Life’s full of moments that matter. Your benefits should match them.
A few quick questions will reveal which flexible benefits connect to your world—and why they matter to you. You’ll get a personalized list of Flexible Benefits Program options worth exploring further.
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First enrollment? Act fast!
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Getting married soon?
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Going through a divorce?
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Planning to grow your family soon?
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Recently had a baby or adopted?
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Planning to adopt or going through fertility treatments?
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Buying or selling a new house?
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Juggling care for aging parents or kids?
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Have a disabled dependent child?
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Thinking about retirement soon?
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Family history of cancer or heart disease?
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Pregnant or living with special health care needs, or such chronic conditions as diabetes, heart disease, or stroke?
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Have an athlete in the family?
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Kids who wear eyeglasses?
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Love to travel?
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People you love counting on you?
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Young and healthy—why bother with life insurance?
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Married to someone who works in a risky job?
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Want to make sure your income is protected if life throws you a curveball?
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Are you a planner who covers all the bases?
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Built up a lot of vacation and sick time?
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Taking regular medications or have ongoing medical expenses?
Disclaimer: This quiz provides general information only and is not binding advice or coverage recommendations. All benefit decisions are yours to make. If there are conflicts between this content and official plan documents, the plan documents prevail. This tool simply helps connect your life moments with available benefit options.
Based on your profile, here are the benefits that best fit you. Each one is designed to protect what matters most—your health, your life, and your family’s financial security.
Thanks for taking the quiz! Even if none of these scenarios match your current situation, flexible benefits might still have value for you and your loved ones.
Here’s the thing: Life has a way of surprising us. Maybe you’re focused on your own needs right now, but these benefits can also protect your spouse, children, parents, or other family members. Sometimes the best benefits are the ones that cover the people we care about the most.
Consider this: Even if you’re healthy and secure today, benefits like dental and vision coverage, life insurance, or legal services might make sense for your family members. And rates for many coverage options are more affordable since they are offered at low group rates through Georgia’s DOAS Flexible Benefits Program.
Take a few minutes to browse all available options. You might discover something that fits perfectly, even if it wasn’t covered in this quick quiz.
Congrats! You have 31-days from your date of hire (or first benefits eligibility) to sign up for life and disability insurance — with no medical questions asked. If you miss this window, you may have to submit medical information or pay more if you choose to enroll in future years.
Marriage means new opportunities to protect your loved one. You have 31 days after your wedding to add your spouse to your benefits or make changes to your coverage.
Life changes mean benefit changes. You have 31 days after your divorce is final to update your coverage or beneficiaries. And don’t forget that you might find new coverage options to support you during this transition.
Having a baby or adopting can bring big costs — from medical bills to childcare. Smart planning now can help you avoid financial surprises later.
Good news! You have 90 days (not the usual 31) to add your new little one to your benefits. Don’t let this extended window slip by.
The Flexible Benefits Program includes option to enroll for Legal Benefits, which include adoption services. Hospital indemnity pays cash for planned procedures that might be involved. Plus, you have 90 days (not 31) to add your new child to benefits.
Legal benefits include unlimited attorney support for real estate transactions, mortgage reviews, and deed preparation. All covered for a low-monthly price—that is much less than what you’d pay for one hour with an attorney without coverage.
Whether you’re part of the “sandwich generation” caring for aging parents, or you’re working parents who need reliable childcare while you’re at the office—you’re managing a lot. There are benefits designed specifically for people balancing work and caregiving responsibilities.
Disabled children who became disabled before age 26 can be enrolled during Open Enrollment and stay on your benefits under special circumstances. Disabled dependents must meet eligibility requirements and you must submit supporting documentation within 31 days of enrollment during Open Enrollment.
Some benefits in the Flexible Benefits Program can follow you into retirement, but you need to plan ahead. Your coverage typically continues through the month after your last premium payment. You can extend some coverage through COBRA or by making arrangements directly with a benefits vendor.
You can’t change your genes, but you can prepare for what they might bring. Critical Illness and Cancer Insurance provide cash benefits you can use for anything you want — treatment, travel, or simple peace of mind.
Experiences like these can mean more care — and more cost. All dental options include added coverage, reimbursing copays and coinsurance for such services as cleanings or gum treatments. And, for ongoing medical or dental expenses, a Health Care FSA lets you save about 30% by using pre-tax dollars to cover eligible expenses.
From cheerleading to football, soccer to gymnastics, sports injuries can happen fast — and cost a lot. Accident Insurance pays cash benefits for injuries, ambulance rides, ER visits, and treatment. It even adds a 25% cushion of up to $1,000 for anyone injured while playing in an organized sporting event or supporting from the stands.
Active kids → broken glasses. Your Vision Care plan protects against wear and tear with no-cost upgrades like scratch-resistant coatings and protective eyewear. It also goes beyond the State Health Benefits Plan with annual eye exams and allowances for prescription glasses and contacts.
Adventure is great—until something goes wrong far from home. Accident Insurance with travel protection has your back when you’re exploring the world.
Your loved ones depend on you — for today and all the tomorrows you’re building together. If you couldn’t provide for them, this group of benefits can help protect the dreams you have for their future.
Because you’re young and healthy. It’s the best time to get this benefit. It’s easy, affordable, and future you will be glad you did.
Construction, law enforcement, freelancing—some jobs carry higher risks. What happens if they can’t work due to injury or illness?
Illness, injury, or recovery can take you away from work — and put your paycheck on hold. Disability insurance can keep your income coming while you take time to heal.
You’ve likely protected your car and home — now protect your paycheck. Disability insurance can help keep your income secure when you can’t work due to illness or injury. And legal benefits can clear your path when you need it most.
Here’s a benefits hack: Choose the disability insurance option with a 30-day disability waiting period and pay nearly half the cost of the 7-day option. Use your saved time for the first 30 days at 100% pay, then disability kicks in. It’s the perfect option for state employees who accumulate leave.
Here’s a tip: Using the Health Care FSA can reduce your “net cost” by 20% to 35%. It’s a great way to keep more cash in your pocket.
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