Bay Village Schools Open Enrollment Self Service Guide for Selerix Benefits Enrollment System

Transcription

1 Bay Village Schools Open Enrollment Self Service Guide for Selerix Benefits Enrollment System 1910 Indianwood Circle Maumee, OH

2 Logging In Enter this URL into your internet browser: harmony.benselect.com You will see this screen on the landing page after it has loaded: Your personal login credentials are as follows: In the Employee ID or Social Security Number field- you will enter your full Social Security Number, with no spaces or dashes (e.g., would be entered as ). Your Pin Number is the Last Four Digits of your SSN, followed by the last Two digits of your birth year (e.g., If you were born in 1970, your Pin in this continued example would be ) Once you have entered this information, click the Log In button to continue.

3 After you have successfully logged in, you will be brought to the home page of your enrollment site. This is the screen you will see: This screen gives you a recap of your current benefits- hit the Next button to begin your enrollment.

4 The next screen will be your Personal Info screen. You may update any personal information on this screen After you have made your changes please click Next button. If there are no changes to be made just click Next.

5 The following screen is the Dependents screen. You may update your dependent info here. To add a dependent not listed, please select the plus sign on the screen and the following screen will pop up so you can add a dependent:

6 Click save and this will bring you back out to the main dependent screen. You should see the new dependent now. If your changes include the deletion of a dependent then you would just select the x next to the row of the dependent you would like to delete. It will ask you if you are sure you want to delete and just click OK. After all dependent changes are made you can click the Next button.

7 This next screen reviews your Employment information. Click Next to continue. These next screens will be the actual enrollment screens for your benefits.

8 On this screen you will see all of your options for benefit elections. Any coverages that you are currently enrolled in will show under each benefit. Continued--

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10 You will begin by going through each benefit. You can select the option of Quick Enroll if you wish to keep the exact same coverage that you currently have. If you would to review the benefit because you would like to change or look at other coverages you would select the Review tab. Some of the benefits do not have a Quick Enroll option because you have to re-elect or waive the coverage. For example if you are eligible for Life Insurance you will have to review the benefit to re-elect your beneficiaries. Just click the Review tab to walk through the screens. Example life insurance beneficiary screen:

11 The Flexible Spending account benefit also does not have a Quick Enroll tab. You have to re-elect your FSA and Dependent Care elections every year. To re-elect your FSA monies you would enter a dollar amount in the Amount per pay period field and click the Calculate button. If you choose not to participate in the FSA you would simply click the I wish to CANCEL this coverage radio button.

12 Please note: *****ALL FLEXIBLE SPENDING ACCOUNT AND DEPENDENT CARE ACCOUNT ELECTIONS WILL BE EFFECTIVE JANUARY 1, 2018***** (ALL OTHER BENEFITS WILL BE EFFECTIVE OCTOBER 1, 2017) Continue through your enrollment screen and if you wish to look at any of the Colonial benefits you just click on Review

13 For example to look at one of the Colonial products you would click review and then you will see this screen: Click Next and you will be directed to the harmony system where you can look at and enroll in that particular coverage. Click on Get a Quote to further see your options of coverages and prices. You can finish the process to purchase a product, or you can click the button that says My benefits and that will take you back to your original enrollment screen.

14 Once you have waived or enrolled in all of the benefits on your enrollment screen you will have to Sign and Submit. Take a look and make sure your elections look correct and click Next

15 This will bring you to the screen where you will enter your PIN to sign and submit. Enter your PIN at the bottom and click Sign Form (Your Pin number is the last four or your ss# and last two of your birth year.)

16 You have completed your enrollment once you see the following screen: Please click the Logout button at the top of your screen.

17 Accident Insurance Accidents happen in places where you and your family spend the most time at work, in the home and on the playground and they re unexpected. How you care for them shouldn t be. In your lifetime, which of these accidental injuries have happened to you or someone you know? l Sports-related accidental injury l Broken bone l Burn l Concussion l Laceration l Back or knee injuries l Car accidents l Falls & spills l Dislocation l Accidental injuries that send you to the Emergency Room, Urgent Care or doctor s office Colonial Life s Accident Insurance is designed to help you fill some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. The benefit to you is that you may not need to use your savings or secure a loan to pay expenses. Plus you ll feel better knowing you can have greater financial security. Accident 1.0 -Preferred with Health Screening Benefit What additional features are included? l Worldwide coverage l Portable l Compliant with Healthcare Spending Account (HSA) guidelines Will my accident claim payment be reduced if I have other insurance? You re paid regardless of any other insurance you may have with other insurance companies, and the benefits are paid directly to you (unless you specify otherwise). What if I change employers? If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable as long as you pay your premiums when they are due or within the grace period. Can my premium change? Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued. How do I file a claim? Visit coloniallife.com or call our Customer Service Department at for additional information.

18 Benefits listed are for each covered person per covered accident unless otherwise specified. Initial Care l Accident Emergency Treatment... $125 Your Colonial Life policy also provides benefits for the following injuries received as a result of a covered accident. l Burn (based on size and degree)...$1,000 to $12,000 l Coma...$10,000 l Concussion...$60 l Emergency Dental Work...$75 Extraction, $300 Crown, Implant, or Denture l Lacerations (based on size)...$30 to $500 Requires Surgery l Eye Injury...$300 l Tendon/Ligament/Rotator Cuff...$500 - one, $1,000 - two or more l Ruptured Disc...$500 l Torn Knee Cartilage...$500 Surgical Care l Ambulance...$200 l X-ray Benefit...$30 l Air Ambulance... $2,000 Common Accidental Injuries Dislocations (Separated Joint) Non-Surgical Surgical Hip $2,200 $4,400 Knee (except patella) $1,100 $2,200 Ankle Bone or Bones of the Foot (other than Toes) $880 $1,760 Collarbone (Sternoclavicular) $550 $1,100 Lower Jaw, Shoulder, Elbow, Wrist $330 $660 Bone or Bones of the Hand $330 $660 Collarbone (Acromioclavicular and Separation) $110 $220 One Toe or Finger $110 $220 Fractures Non-Surgical Surgical Depressed Skull $2,750 $5,500 Non-Depressed Skull $1,100 $2,200 Hip, Thigh $1,650 $3,300 Body of Vertebrae, Pelvis, Leg $825 $1,650 Bones of Face or Nose (except mandible or maxilla) $385 $770 Upper Jaw, Maxilla $385 $770 Upper Arm between Elbow and Shoulder $385 $770 Lower Jaw, Mandible, Kneecap, Ankle, Foot $330 $660 Shoulder Blade, Collarbone, Vertebral Process $330 $660 Forearm, Wrist, Hand $330 $660 Rib $275 $550 Coccyx $220 $440 Finger, Toe $110 $220 l Surgery (cranial, open abdominal or thoracic)... $1,500 l Surgery (hernia)...$150 l Surgery (arthroscopic or exploratory)...$200 l Blood/Plasma/Platelets...$300

19 Transportation/Lodging Assistance If injured, covered person must travel more than 50 miles from residence to receive special treatment and confinement in a hospital. l Transportation...$500 per round trip up to 3 round trips l Lodging (family member or companion)...$125 per night up to 30 days for a hotel/motel lodging costs Accident Hospital Care l Hospital Admission*... $1,000 per accident l Hospital ICU Admission*... $2,000 per accident * We will pay either the Hospital Admission or Hospital Intensive Care Unit (ICU) Admission, but not both. l Hospital Confinement... $225 per day up to 365 days per accident l Hospital ICU Confinement...$450 per day up to 15 days per accident Accident Follow-Up Care l Accident Follow-Up Doctor Visit... $50 (up to 3 visits per accident) l Medical Imaging Study...$150 per accident (limit 1 per covered accident and 1 per calendar year) l Occupational or Physical Therapy... $25 per treatment up to 10 days l Appliances... $100 (such as wheelchair, crutches) l Prosthetic Devices/Artificial Limb...$500 - one, $1,000 - more than 1 l Rehabilitation Unit...$100 per day up to 15 days per covered accident, and 30 days per calendar year. Maximum of 30 days per calendar year Accidental Dismemberment l Loss of Finger/Toe...$750 one, $1,500 two or more l Loss or Loss of Use of Hand/Foot/Sight of Eye...$7,500 one, $15,000 two or more Catastrophic Accident For severe injuries that result in the total and irrecoverable: l Loss of one hand and one foot l Loss of both hands or both feet l Loss or loss of use of one arm and one leg or l Loss or loss of use of both arms or both legs l Loss of the sight of both eyes l Loss of the hearing of both ears l Loss of the ability to speak Named Insured... $25,000 Spouse...$25,000 Child(ren)...$12, day elimination period. Amounts reduced for covered persons age 65 and over. Payable once per lifetime for each covered person. Accidental Death Accidental Death Common Carrier l Named Insured $25,000 $100,000 l Spouse $25,000 $100,000 l Child(ren) $5,000 $20,000

20 Health Screening Benefit l $50 per covered person per calendar year Provides a benefit if the covered person has one of the health screening tests performed. This benefit is payable once per calendar year per person and is subject to a 30-day waiting period. Tests include: l. Blood test for triglycerides l. Bone marrow testing l. Breast ultrasound l. CA 15-3 (blood test for breast cancer) l. CA125 (blood test for ovarian cancer) l. Carotid doppler l. CEA (blood test for colon cancer) l. Chest x-ray l. Colonoscopy l. Echocardiogram (ECHO) l. Electrocardiogram (EKG, ECG) l. Fasting blood glucose test l. Flexible sigmoidoscopy l. Hemoccult stool analysis l. Mammography l. Pap smear l. PSA (blood test for prostate cancer) l. Serum cholesterol test to determine level of HDL and LDL l. Serum protein electrophoresis (blood test for myeloma) l. Stress test on a bicycle or treadmill l. Skin cancer biopsy l. Thermography l. ThinPrep pap test l. Virtual colonoscopy My Coverage Worksheet (For use with your Colonial Life benefits counselor) Who will be covered? (check one) Employee Only Spouse Only One Child Only Employee & Spouse One-Parent Family, with Employee One-Parent Family, with Spouse Two-Parent Family EXCLUSIONS We will not pay benefits for losses that are caused by or are the result of: hazardous avocations; felonies or illegal occupations; racing; semi-professional or professional sports; sickness; suicide or self-inflicted injuries; war or armed conflict; in addition to the exclusions listed above, we also will not pay the Catastrophic Accident benefit for injuries that are caused by or are the result of: birth; intoxication. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form Accident 1.0-HS (including state abbreviations where used.) This is not an insurance contract and only the actual policy provisions will control. Colonial Life 1200 Colonial Life Boulevard Columbia, South Carolina coloniallife.com 10/11 When are covered accident benefits available? (check one) On and Off -Job Benefits Off -Job Only Benefits 2011 Colonial Life & Accident Insurance Company. Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life and Making benefits count are registered service marks of Colonial Life & Accident Insurance Company Accident 1.0 -Preferred with Health Screening Benefit

21 Specified Critical Illness Insurance How will you pay for what your health insurance won t? Even those of us who plan for the unexpected with life, disability and medical insurance may discover that some expenses can still remain unpaid. Without adequate protection, sufferers of critical illnesses might have to pull from their savings or rely on other financial sources in their time of need. Critical Illness 1.0 with Health Screening, Cancer and Subsequent Diagnosis Specified Disease Insurance helps fill the gaps in your health insurance. With Colonial Life s Specified Critical Illness Insurance, you re paid a benefit that can help you cover: l l l l l l l Deductibles, co-pays and co-insurance of your health insurance Home health care needs and household modifications Travel expenses to and from treatment centers Lost income Rehabilitation Child care expenses Everyday living expenses You re free to use the benefit however you choose. And coverage is available for you and your eligible family members. Covered Specified Critical Illnesses For this illness Cancer 100% Heart Attack (Myocardial Infarction) 100% Stroke 100% Major Organ Failure 100% End Stage Renal (Kidney) Failure 100% Permanent Paralysis due to a Covered Accident 100% Coma 100% Blindness 100% Occupational Infectious HIV or Occupational Infectious Hepatitis B, C or D 100% Coronary Artery Bypass Graft Surgery 25% Carcinoma in Situ 25% We will pay this percentage of the face amount: The Maximum Benefit Amount for this policy is 3x the face amount for the Named Insured for all covered persons combined. The policy will terminate when the Maximum Benefit Amount for Specified Critical Illness has been paid.

22 You can use this coverage more than once Subsequent Diagnosis of a different Specified Critical Illness If you receive a benefit for a Specified Critical Illness, and later you are diagnosed with a different Specified Critical Illness, we will pay the percentage of the original face amount. Subsequent Diagnosis of the same Specified Critical Illness If you receive a benefit for a Specified Critical Illness, and later you are diagnosed with the same Specified Critical Illness (except those listed below), we will pay 25% of the original face amount. (Critical illnesses that do not qualify are: Cancer, Coronary Artery Bypass Graft Surgery, Carcinoma in Situ, and Occupational Infectious HIV or Occupational Infectious Hepatitis B, C or D.) Dates of Diagnoses of Specifed Critical Illnesses must be separated by at least 180 days. Cancer Vaccine Benefit We will pay this benefit if you or a covered family member incurs a charge for and receives any cancer vaccine that is FDA approved for the prevention of cancer, while your policy is in force. Payment of this benefit will not reduce the Maximum Benefit Amount for Specified Critical Illness. Critical Illness 1.0 with Health Screening, Cancer and Subsequent Diagnosis Health Screening Benefit New technology can help improve your chances of surviving a serious illness through early detection and treatment. We will pay this benefit if any covered person incurs a charge for and has any of the following screening tests performed while your policy is in force. Colonial Life 1200 Colonial Life Boulevard Columbia, South Carolina coloniallife.com 5/11 l Stress test on a bicycle or treadmill l Serum cholesterol test to determine levels of HDL and LDL l Carotid doppler l Electrocardiogram (ECG/EKG) l Echocardiogram (ECHO) l Chest x-ray l Colonoscopy l Mammography l Pap smear l PSA (blood test for prostate cancer) 24 tests included No Lifetime Limit This policy has exclusions and limitations. Premium will vary based on plan chosen. This is not an insurance contract and only the actual policy provisions will control. For cost and complete details of the coverage, see your Colonial Life benefits counselor. Applicable to policy form CI-1.0 or CI-1.0-PL8 (including state abbreviations where used, such as CI-1.0-TX) Colonial Life & Accident Insurance Company. Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life and Making benefits count are registered service marks of Colonial Life products & Accident are Insurance underwritten Company. by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand

23 Short-Term Disability Insurance How long could you afford to go without a paycheck? Help protect your paycheck with Colonial Life s short-term disability insurance. You use your paycheck mainly to pay for your home, your car, groceries, medical bills and utilities. What if you couldn t go to work due to an accident or sickness? Monthly Expenses: $ $ $ $ $ $ Total $ My Coverage Worksheet (For use with your Colonial Life Benefits Counselor) How much coverage do I need? On-Job Accident and On-Job Sickness $ Off-Job Accident and Off-Job Sickness $ How long will I receive benefits? Total Disability: months Partial Disability: 3 months* *Partial Disability is 50% of the Total Disability Amount When will my benefits start? After an Accident: days After a Sickness: days How much will it cost? Your cost will vary based on the level of coverage you select. Disability 1000 What additional features are included? l l Waiver of Premium Worldwide Coverage

24 Here are some frequently asked questions about Colonial Life s disability insurance: Will my disability income payment be reduced if I have other insurance? You re paid regardless of any other insurance you may have with other insurance companies. Benefits are paid directly to you (unless you specify otherwise). When am I considered totally disabled? Totally disabled means you are: l Unable to perform the material and substantial duties of your job; l Not working at any job; and l Under the regular and appropriate care of a doctor. What if I want to return to work part-time after I am totally disabled? You may be able to return to work part-time and still receive benefits. We call this Partial Disability. This means you may be eligible for coverage if: l You are unable to perform the material and substantial duties of your job 20 hours or more per week, l You are able to work at your job or any other job for less than 20 hours per week, l Your employer will allow you to work for less than 20 hours per week, and l You are under the regular and appropriate care of a doctor. The total disability benefit must have been paid for at least one full month immediately prior to your being partially disabled What if I change employers? If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable to age 70 as long as you continue to pay your premiums when they are due. What is a pre-existing condition? A pre-existing condition is when you have a sickness or physical condition for which you were treated, received medical advice, or had taken medication within 12 months before the effective date of your policy. If you become disabled because of a pre-existing condition, Colonial Life will not pay for any disability period if it begins during the first 12 months the policy is in force. Can my premium change? You may choose the amount of coverage to meet your needs (subject to your income). You can elect more or less coverage which will change your premium. Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued. What is a covered accident or a covered sickness? A covered accident is an accident. A covered sickness means an illness, infection, disease or any other abnormal physical condition, not caused by an injury. A covered accident or covered sickness: l Occurs after the effective date of the policy; l Is of a type listed on the Policy Schedule; l Occurs while the policy is in force; and l Is not excluded by name or specific description in the policy. How do I file a claim? Visit coloniallife.com or call our Policyholder Service Center at for additional information. Disability 1000 Exclusions We will not pay benefits for losses that are caused by or are the result of: alcoholism or drug addiction; flying; giving birth within the first nine months after the effective date of the policy; hazardous avocations; illegal activities; having a pre-existing condition as described and limited by the policy; psychiatric or psychological conditions; racing; semi-professional or professional sports; suicide or self-inflicted injuries; war or armed conflict. For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form DIS1000 (state abbreviations where applicable). This is not an insurance contract and only the actual policy provisions will control. Colonial Life 1200 Colonial Life Boulevard Columbia, South Carolina coloniallife.com 2011 Colonial Life & Accident Insurance Company. Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life and Making benefits count are registered service marks of Colonial Life & Accident Insurance Company. 4/

25 Whole Life Insurance You can t predict your family s future, but you can be prepared for it. You like to think that you ll be there for your family in the years to come. But if something happened to you, would your family have the income it needs? 50% of U.S. households (58 million) say they need more life insurance. Facts About Life, LIMRA 2013 It s not easy to think about such serious circumstances, but it s important to make sure your family is financially protected. You can gain peace of mind with Colonial Life s Whole Life Insurance. What is whole life insurance? Whole life insurance can help provide protection for you and those who depend on you. You won t have to worry about becoming uninsurable later in life, and your premiums won t increase as you get older. With whole life insurance, you receive a guaranteed death benefit, which can help with funeral costs and other immediate expenses. Also, throughout the life of the policy, you can access its cash value through a policy loan, and use the money for emergencies. Your cost will vary based on the level of coverage you select. Talk with your Colonial Life benefits counselor for information about what level of coverage would work best for you. What are the advantages of Colonial Life s Whole Life Insurance? Your premiums will never increase because of changes in your health or age. You can take the policy with you even if you change jobs or retire, with no increase in premium. A guaranteed purchase option means you can purchase additional whole life coverage without having to answer health questions at three different points in the future. With the accelerated death benefit, you can request 75 percent of your policy s death benefit if you are diagnosed with a terminal illness. An immediate $3,000 claim payment can help your designated beneficiary pay for funeral costs or other expenses. WHOLE LIFE 1000

26 Benefits worksheet For use with your Colonial Life benefits counselor HOW MUCH COVERAGE DO YOU NEED? YOU $ FACE AMOUNT Select the option: Paid-Up at Age 65 Paid-Up at Age 95 SPOUSE $ FACE AMOUNT Select the option: Paid-Up at Age 65 Paid-Up at Age 95 Select any optional riders: Spouse Term Life Rider $ face amount for -year term period Children s Term Life Rider $ face amount Waiver of Premium Benefit Rider To learn more, talk with your Colonial Life benefits counselor. ColonialLife.com Product options Paid-Up at Age 65 or Paid-Up at Age 95 These two plan design options allow you to select what age your premium payments will end. You can choose to have your policy paid up when you reach age 65 or 95. Accelerated Death Benefit If you are diagnosed with a terminal illness, you can request up to 75 percent of the policy s death benefit, up to $150,000. Guaranteed Purchase Option If you are age 55 or younger when you purchase the policy, you have the option to purchase additional whole life coverage without having to answer health questions at three different points in the future. You may purchase up to your initial face amount, not to exceed a total combined maximum of $100,000 for all options. $3,000 Immediate Claim Payment This payment can help meet immediate needs, such as funeral costs, by providing an initial death benefit payment of $3,000 to the designated beneficiary. Additional coverage options Spouse Whole Life Policy This policy offers a guaranteed death benefit, guaranteed level premiums and guaranteed cash value accumulation whether or not you buy a policy on yourself. Spouse Term Life Rider You can purchase term life coverage for your spouse, with a maximum death benefit of up to $50, year and 20-year coverage periods are available, based on the policy you select. You can choose to convert this coverage to a cash value policy within certain time periods later on without having to answer health questions. Dependent Coverage You may purchase up to $10,000 in term life coverage for each of your eligible dependent children and pay one premium. You can later convert this coverage to a cash value life insurance policy without having to answer health questions upon your 70th birthday or the child s 25th birthday, whichever comes first. You can add this additional coverage to either the primary or the spouse policy, but not both. Waiver of Premium Benefit Rider Your premiums on the whole life policy and any riders attached to it will be waived if you become totally disabled before the policy anniversary following your 65th birthday and you satisfy the six-month elimination period (the amount of time until benefits are payable). EXCLUSIONS AND LIMITATIONS If the insured commits suicide within two years (one year in ND) from the coverage effective date or the date of reinstatement (not applicable in AR), whether he is sane or insane (not applicable in AZ), we will not pay the death benefit. We will terminate this policy and return the premiums paid, minus any loans and loan interest to you. Product may vary by state. For costs and complete details of the coverage, call or write your Colonial Life benefits counselor or the company. This product is underwritten by Colonial Life & Accident Insurance Company. This brochure is applicable to policy forms ICC07-WL-NGPO-65/WL-NGPO-65, ICC07-WL-NGPO-95/WL-NGPO-95, ICC08-WL-GPO-65/WL-GPO-65, ICC08-WL-GPO-95/WL-GPO-95 and rider forms ICC07-R-WL-CTR/R-WL-CTR, ICC07-R-WL-STR-10/R-WL-STR-10, ICC07-R-WL-STR-20/R-WL-STR-20, ICC07-R-WL-WOP/R-WL-WOP and applicable state variations Colonial Life & Accident Insurance Company, Columbia, SC Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand

27 THANK YOU FOR CHOOSING NORTHWEST GROUP SERVICES, INC. Customer Service Department: Northwest Group Services Toll Free: Indianwood Circle Local: Maumee, OH Fax: Questions on your Flexible Spending Accounts How to get a Claim form: Submitting your Claims: Mail to: Northwest Group Services Fax: Indianwood Circle nwgsclaims@nwgsonline.com Maumee, Ohio The Benefit Card is a Master Card that may not be accepted at all locations. The card is for Medical or Dependent Care claims only. The Benefit Card has a website which allows you to check your account balance and transactions at any time. You can create an account online at Login or Register at top right of main page. Register if you have not done so already otherwise login with your username and password. Enter Employee I.D. (EE.I.D is the employees Social Security Number with no spaces or dashes). Drop down the Registration ID to Card Number and enter the participants (Employees) card number. Set up a unique user I.D. and Password of your choice. Benefit Cards now have PIN # s. After logging into your account click on Card Status and follow the prompts to retrieve your PIN #. ***Every 90 days you will be asked to reset your password. You will need to know your EE I.D. and your answers to your secret questions. All this information is case sensitive. NWGS now has available A Mobile App please look for it in your App Store NWGS Flex Mobile!! We accept manual claims when merchants do not accept The Benefits Card. Claims submission cut off dates are the 10 th & 25 th every month and we process checks the next business day. The Plan year for BAY VILLAGE CITY SCHOOL DISTRICT is January 1 st to December 31st with. All manual claims submitted must show a Date of Service, Services Rendered, and the amount that you have to pay out of pocket. For Plan Year ending 12/31/2017 Bay Village City Schools has amended their plan documents to eliminate the Grace Period and Permit the Carryover of up to $ All Dates of Service must be within the plan year. All debit cards have an expiration date on them. If you elect from year to year your card will be reloaded with your new amount and when your card is going to be expiring we will automatically issue a new card as long as there is an active account in place. Please direct all questions concerning your debit card to our Customer Services Department NWGS Office Hours: Monday Friday 8:30 a.m. 4:30 p.m.

28 Flexible Spending Accounts/Dependent Care Spending Accounts A Flexible Spending Account (also known as a flexible spending arrangement) will let you set aside a portion of your paycheck tax free to pay for certain out-of-pocket health care costs. You can use funds in your FSA to pay for certain medical, dental and vision expenses, including copayments and deductibles. (IRS regulations allow up to $2,550 per year.) A Dependent Care Flexible Spending Account will let you set aside a portion of your paycheck tax free to pay for dependent care expenses. (IRS regulations allow up to $5, per year per family) Contributions are deducted from your paycheck prior to federal, state and social security tax. No tax on your contribution saves you money! It s not what you earn, it s what you keep that counts! NWGS offers the convenience of the FSA debit card. You will get faster access to your pre-tax FSA dollars with no waiting for reimbursement. Pay for eligible out of pocket expenses with your card, instead of paying cash. Please visit for online resources to learn how to download our convenient mobile app and also access tools and calculators to see how your Flexible Spending Account will benefit you! Northwest Group Services 1910 Indianwood Circle Maumee, OH