Benefits forThe Learning Center
Overview of Benefits
Pre-Tax Benefits
Dental Insurance: Sun Life
Vision Insurance: Superior 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
Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
Please note your insurance products will remain in effect unless you speak with a representative to change them.
Enrollment Period: September 30, 2024 – October 4, 2024
Effective Dates: November 1, 2024 – October 31, 2025
ELIGIBILITY:
– Employees must work 35 hours or more per week.
IMPORTANT NOTICES:
– When do my benefits start? The plan year for Colonial Insurance Products, Sun Life Dental, and Superior Vision runs from November 1, 2024 through October 31, 2025. 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.
– When do my deductions start? Deductions for Colonial Insurance Products, Sun Life Dental, and Superior Vision start November 2024 for 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 December 1, 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.