IN-PERSON & SELF-ENROLL
During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process. If you prefer, you may also self-enroll online following the instructions on the Enrollment Instructions page of this site.
ANNUAL ENROLLMENT PERIOD: MAY 1, 2025 – MAY 15, 2025
ELIGIBILITY:
– Employees working 30 hours or more per week are eligible for benefits.
IMPORTANT NOTICES:
– When do my benefits start? The plan year for Colonial Life Insurance Products, The Local Choice Benefits (Anthem Health, Delta Dental and Anthem Blue View Vision), Ameriflex Spending Accounts, HSA Bank Savings Accounts, Delta Dental (Stand-Alone Policy), Blue View Vision (Stand-Alone Policy) and CHUBB Long Term Care Benefits runs from July 1, 2025, through June 30, 2026.
– When do my deductions start? Deductions for The Local Choice Benefits (Anthem Health, Delta Dental and Anthem Blue View Vision), Delta Dental (Stand-Alone Policy), and Blue View Vision (Stand-Alone Policy) start June 2025 for all eligible employees. Deductions for Colonial Life Insurance Products, Ameriflex Spending Accounts, HSA Bank Savings Accounts and CHUBB Long Term Care Benefits start July 2025 for all eligible employees.
– Why have my Accident or Medical Bridge benefits not started yet? The Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2025.
– My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.
– How do Dependent Care Account (DCA) funds work and when do they need to be used? Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. It’s important to note that any remaining funds in your DCA account must be utilized before the deadline. Failure to use all allotted funds in the DCA account will result in a “Use It or Lose It” scenario.
– When will I get my card? If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.
– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.
– What is the difference between pre and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.
– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here.
– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE ANNUAL ENROLLMENT PERIOD:
– Enroll in, change, or cancel The Local Choice benefits (Health, Dental, and Vision).*
– Enroll in, change, or cancel Health Savings Accounts.
– Enroll/Re-Enroll in Flexible Spending Accounts.⁺
– Enroll in, change, or cancel Dental Insurance (Stand-Alone Policy).**
– Enroll in, change, or cancel Vision Insurance (Stand-Alone Policy).**
– Enroll in, change, or cancel Long Term Care Benefits.
– Enroll in, change, or cancel Colonial coverage.
⁺You will need to re-enroll in the Flexible Spending Accounts if you want them to continue each year.
*The Local Choice Benefits are not available for self-enroll. You will need to meet with a Benefits Representative in order to sign up or make changes to this benefit.
**The Delta Dental and Blue View Vision stand alone plans are for employees who have waived coverage under a The Local Choice Health/Dental/Vision plan. Members enrolled in a TLC plan may not enroll in the Dental or Vision Stand-Alone plans.
IMPORTANT NOTE & DISCLAIMER
This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in your benefits guide including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in the benefits guide.
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Critical Illness Benefits: Colonial Life
Whole Life Insurance: Colonial Life
Employee Assistance Program: Sun Life – Employer-Paid Benefit
Short-Term Disability Benefits: Colonial Life – Employer-Paid Benefit
Health Insurance: The Local Choice – Anthem
Health Savings Accounts: HSA Bank
Flexible Spending Accounts: Ameriflex
Dental Insurance (Stand-Alone Policy): Delta Dental of VA
Vision Insurance (Stand-Alone Policy): Blue View Vision
Long Term Care Benefits: CHUBB
Student Loan Assistance Program: GradFin