January 2023

Remind Employees to Check Benefit Deductions

January paystubs will show the first NCFlex deductions for the 2023 plan year. Remind employees to check their paystubs by comparing their deductions to the 2023 rate sheets.

If your employee(s) feel there was an error made during Open Enrollment, they should contact you, their HBR/UBA, to determine if an exception request is warranted. As HBRs/UBAs, it is your decision whether or not to submit exceptions on an employee's behalf. Whether you agree with the employee or not, always include all details you feel are relevant to the exception request for NCFlex's consideration.

To submit an exception, complete the exception form on the NCFlex HBR Webpage. Include all pertinent details to help us process your exception quickly and accurately.

NCFlex will accept Open Enrollment exception requests through March 15. Dependent Day Care exceptions will still be considered after this date if an employee enrolled in the DDCFSA in error.

Vendor Contact Updates

We are currently working on our 2023 Admin Manual and will send an alert once it is posted to our HBR webpage. In the meantime, please note the following changes for our vendors:

• Critical Illness is now administered by Voya:
• Claims starting 1/1/23 should be filed with Voya, whereas claims prior to 1/1/23 should be filed with Allstate.
• Premium payments should go to the same contact and address as the NCFlex Accident, Term Life and AD&D plans. If you communicate this information with employees on Leave of Absence, be sure to update this information.

• EyeMed Vision now has a new contact for HBRs (please remember these contacts are for your use only, not to be shared with employees):
• Sherry Bowling has retired and her replacement is Joanie Fontaine, [email protected].
• Brittany LaCourse has been replaced with Rhonda Wilson, [email protected].

• Allstate (Cancer plan) now has a generic email address for HBRs to reach out regarding member issues:
• [email protected]
• This email is monitored by multiple team members with Allstate including Carrie Hirst, Hannah Johnson and Brad Hoback.

NCFlex Disability Claims Process

When assisting employees filing a claim for the NCFlex Disability benefit (non-university employees only), please keep in mind that filing by phone or online are the most efficient methods.

The NCFlex Disability webpage includes pages directly from the guide that describe the benefit itself as well as how to file a claim and FAQs. Consider bookmarking the disability webpage for reference when assisting employees.

Please contact [email protected] with any questions regarding employee disability claims.

Critical Illness and Accident Plan Participants - 1099 Forms

If an employee was paid a benefit from their Critical Illness or Accident Plan in 2022 over $600, they will receive a 1099 from Allstate (for Critical Illness) or Voya (for Accident). If receiving a 1099 for the Accident Plan, please note employees will receive three copies; two for their records and one for filing.

Employees should consult a tax professional as to whether the amount received is fully subject to income tax. Since the premium is deducted on a pre-tax basis, the benefit received is only subject to income tax to the extent that the employee’s unreimbursed medical expenses (for which Health Care FSA funds were NOT used to pay) are less than the benefit payment.

For example, if a plan (such as Accident) pays $200 for a medical office visit, but the covered individual has unreimbursed medical costs as a result of the visit of $30 (such as a copay that the HCFSA was not used for), then the $30 would be excluded from the employee's income and the excess amount of $170 would be taxable.

More information can be found in this article around taxation and fixed indemnity plans which discusses an IRS Memo released in 2017.

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