Benefits forWestmoreland County Public Schools (VA)

Benefits Plan Overview

Pre-Tax Benefits

Health Insurance*: Anthem – The Local Choice*

Dental Insurance*: Delta – The Local Choice*

Vision Insurance*: Anthem – The Local Choice*

Flexible Spending Accounts**

  • Medical Reimbursement Maximum $2,700/year
  • Dependent Care Reimbursement Maximum $5,000/year

 Cancer Benefits: Colonial Life

Medical Bridge: Colonial Life

 Accident Benefits: Colonial Life

Vision Insurance***: Superior – Stand-Alone Policy

 

*The Local Choice benefits are included in this booklet for information purposes only.

***You will need to re-sign for the Flexible Spending Accounts if you want them to continue next year.

IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE September 30, 2019.

**Westmoreland County Public Schools will pay the Employee Only portion for each tier of Superior Vision benefits for employees that waive medical coverage and provide proof of coverage elsewhere.

 

Post-Tax Benefits

 Disability Benefits: Colonial Life

Critical Care Benefits: Colonial Life

 Life Insurance

  • Term Life Insurance: Colonial Life
  • Whole Life Insurance: Colonial Life

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

Enrollment Period: August 12, 2019 – September 6, 2019

Effective Dates: October 1, 2019 – September 30, 2020

 

QUALIFICATIONS:

  • Employees must work 20 hours or more per week with a contract.

 

IMPORTANT FACTS:

  • The plan year for Colonial Insurance products, Spending Accounts and Superior Vision lasts from October 1, 2019 through September 30, 2020.

 

  • Deductions for Colonial Insurance products, Spending Accounts and Superior Vision will begin October 2019.

 

  • If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when meeting with the Benefits Representative.

 

  • 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.

 

  • 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 Pierce Group Benefits Service Center at 1-800-387-5955 to request a change in elections.

 

  • Medical Reimbursement and Dependent Care Reimbursement expenses must be incurred during the Plan Year in order to be eligible for reimbursement.

 

  • An employee has 90 days after the plan year ends to submit claims for medical reimbursement and/or dependent care expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 90 days after the termination date to submit claims.

 

  • Unlike Medical Reimbursement Accounts, with Dependent Care Flexible Spending Accounts, the maximum reimbursement you can get is equal to the current account balance in your Dependent Care account.

 

  • The Colonial Cancer plan and the Health Screening Rider on the Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until October 31, 2019.

 

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

 

  • Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution.

 

  • 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.