Benefits Plan Overview

Pre-Tax Benefits

Dental Insurance*: SunLife

Vision Insurance: Superior

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

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

*EMPLOYEES WILL NEED TO RE-SIGN FOR DENTAL INSURANCE IN ORDER TO CONTINUE COVERAGE FOR THE NEW PLAN YEAR BEGINNING NOVEMBER 1, 2022.

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

Enrollment Period: OCTOBER 6, 2022

Effective Dates: NOVEMBER 1, 2022 – OCTOBER 31, 2023

QUALIFICATIONS:

– Employees must work 35 hours or more per week.

IMPORTANT FACTS:

– The plan year for Colonial Insurance products, Sun Life Dental, and Superior Vision lasts from November 1, 2022 through October 31, 2023. Please Note: Dental benefits are based on the Calendar Year, running from January 1st through December 31st. Dental benefits and deductibles will reset every January 1st.

– Deductions for Colonial Insurance products, Sun Life Dental, and Superior Vision will begin November 2022..

– 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.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa.

– Once a family status change has occurred, an employee has 30 days to notify the North Carolina Service Center at 1-888-662-7500 to request a change in elections.

– 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 December 1, 2022.

– Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

– An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for more information.