Overview of Benefits

Pre-Tax Benefits

Health Insurance: The Local Choice – Anthem

Dental Insurance: The Local Choice – Delta Dental of VA

Vision Insurance: The Local Choice – Blue View Vision

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Gunshot Wound Policy: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance

Additional Benefits

Student Loan Assistance Program: GradFin

Please note your insurance products will remain in effect unless you speak with a representative to change them.

Enrollment Period: April 15, 2024 – May 3, 2024

Effective Dates: July 1, 2024 – June 30, 2025

ELIGIBILITY:

– Employees must work 30 hours or more per week to be eligible for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for The Local Choice Benefits (Anthem Health, Delta Dental, and Blue View Vision) and Colonial Insurance Products runs from July 1, 2024 through June 30, 2025. Please Note: The Local Choice Benefit information is included in this guide only for informational purposes.

– When do my deductions start? Deductions for Colonial Insurance Products start July 2024 for all enrolled employees.

– Why have my Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and 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, 2024.

– 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. Please speak with your Plan Administrator for more information.

– 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.