The annual Open Enrollment Period is your opportunity to
review your benefits and make any changes for the year
ahead. Outside of Open Enrollment, the only time you can
make a change to your benefits is if there is a qualifying life
Again, for newly hired employees, all benefit enrollment
forms are due within three days of hire. Any forms received
after this timeframe cannot be processed without a qualify-
ing event. Take some time to learn about your options, eval-
uate you and your family’s needs, and choose the benefits
that will best serve you (and your eligible family members).
If you experience a qualifying event, please notify the
Department of Management Services/HR within
31 calendar days.
Some examples of such events include:
Birth or adoption of a child;
Divorce and/or Legal separation;
Death or loss of a dependent;
Change in spouse’s employment status causing a
loss and/or a gain of coverage;
Change in your own employment status;
Change in residence;
Eligibility for Medicare.
Changes in health and/or dental coverage due to a
qualifying event are effective the date of the qualifying
event. Additional premium may need to be collected
depending on timing of the event with payroll run dates.
We recognize that you may have questions as you read through the packet. In case you do, please know
we are here for you. Feel free to contact us, should you require assistance in completing your forms.
HSA Eligibility past age 65
Qualified Life Events
Please note: Enrollment in any type of Medicare makes you ineligible to
contribute to an HSA, per IRS regulations.
Employees past age 65 who are actively working and receive
employer HSA contributions and/or elected voluntary HSA
contributions to be deducted from their pay; must notify the
employer seven months prior to the date they expect to apply
for social security benefits so that employer and if applicable,
voluntary employee contributions can be stopped at the
appropriate date. This is because when you apply for Social
Security, Medicare Part A will be retroactive for up to six
months (as long as you were eligible for Medicare during those
six months). If you do not stop contributing six months before
you apply for Social Security, you may have a tax penalty.
If an employee past age 65 continues to defer social security
but applies for Medicare, they should notify the employer the
month before the Medicare effective date.
If you are an active employee turning age 65 in 2021 and/or
become Medicare eligible in 2021,
and are enrolled in Campbell
County’s HDHP with HSA, you
should contact us to discuss the
impact enrolling in Medicare will
have on your HSA.
It is your responsibility to determine
your eligibility for contributions to
an HSA. If the County continues to
fund an HSA on your behalf past
the date you are eligible, you will
be responsible for any IRS penalties
and payment of back taxes.
You may contact Darlene Cowart , HR and Benefits Coordina-
tor, at 434-332-9794 or email to schedule an appointment at
What is the benefit enrollment deadline for
newly hired employees?
Enrollment forms for all new employees are
due by close of the business day on third
day of hire.
What is a Health Savings Account (HSA)?
An HSA is a tax-favored savings account that may be
used to pay for qualified healthcare expenses for your-
self, your spouse and your IRS tax-qualified dependents.
Am I eligible to participate in the HSA program?
HSA’s are governed by the Internal Revenue Code (IRC),
and you must meet the following eligibility requirements
to qualify for a HSA:
must be enrolled in a high deductible health plan
cannot be covered by any other healthcare plan,
flexible spending account (FSA) or enrolled in Medi-
cannot be claimed as a tax dependent on someone
else’s tax return.
How much may I contribute annually to my HSA?
In 2021, the maximum IRS HSA contributions for Employee
only coverage is $3,600, and for Employee + 1, Family,
and for couples who are both employed by the County is
$7,200. If you are age 55, or older, you may contribute
an additional $1,000 annually.
Please note: You must include the County’s portion in
your maximum annual contribution. For example, if you
select Employee only coverage, this means your contri-
bution could be no greater than $2,599.92 per year
($216.66 monthly), and for the remaining coverage plans
offered, could be no greater than $5,199.96 annually
Frequently Asked Questions