Open Enrollment
Open enrollment is your annual opportunity to update and learn about the benefits provided through Pinnacle Business Systems. Please review your current coverage and choose the best options for you and your family online through Paycor. All benefit changes during open enrollment will become effective June 1, 2026.
What is happening this year?
- Dental, Vision, Life, Disability, and Accident Coverage: No changes to premiums or benefits.
- New Voluntary Benefit: Hospital Indemnity coverage is being introduced.
- Health Savings Account (HSA): An HSA will not be offered this plan year; however, we are actively evaluating options and hope to introduce this benefit in the future.
- Flexible Spending Accounts (FSA): Health Care and Dependent Care FSAs will renew on June 1, 2026, and will now align with the plan year (June 1 – May 31).
- Medical Plans: Plans will remain largely the same, with only minor benefit updates. While premiums are increasing, PBS will absorb most of the increase by contributing more toward dependent coverage (from 35% to 45%) and will continue to offer a $0 cost option for employee-only coverage.
- Medicare Education: We will host a virtual Medicare education meeting open to everyone this year—please watch for your invitation. You can contact Chad Coulter (chad.coulter@nfp.com) anytime with questions about Medicare and Individual Medical Coverage or visit Medicare & Individual Health Insurance | NFP.
Enrollment Instructions
Online Enrollment through Paycor
Open Enrollment begins on May 14, 2026, and ends on May 21, 2026.
If you missed the meeting, please view the recorded presentation to the right.
Active Open Enrollment
This means you are required to review and confirm your benefits this open enrollment period.
Benefit changes outside of Open Enrollment require a Qualifying Life Event and/or Loss of Eligibility.
You may not change your benefits throughout the year unless you experience a Qualifying Life Event. Qualifying Events may include marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you must notify HR within 30 days of the event. Please remember you only have 30 days from the event to make changes to your benefit elections.
Medical
Our medical plans will remain with BCBS of OK.
Base Medical Plan
Buy-up Medical Plan
Dental
Dental insurance is offered with MetLife.
1-800-275-4638
Dental Plan
Vision
Vision Insurance is with Mutual of Omaha and the EyeMed network is utilized.
Vision Plan
FSA
Healthcare - Flexible Spending Account
- Annual contribution limit: $3,400
- Full elected amount is available the first day of the plan year.
- Funds are used to pay for out of pocket medical, dental, vision and some over the counter items tax free.
- At the end of this plan year funds over $660 will be forfeited.
- Funds $660 and under will rollover to next plan year after 90 days.
- For the next plan year $680 will rollover to after May 31, 2027.
Dependent Care - Flexible Spending Account
- Annual contribution limit: $7,500 or $3,750 if you are married and file taxes separately from your spouse.
- Anyone is eligible with dependents who need care while guardians are working.
- Funds pay for dependent care (children under 13 years or disabled dependents) tax free.
- Funds are available as they are contributed per pay period.
- Unused funds will be forfeited (runout period to file claims: 90 days after plan year ends).
Basic Life/AD&D
Pinnacle Business Systems provides all full-time employees with $50,000 of Basic Life/AD&D coverage.
Who's Your Beneficiary? Everyone needs to make sure your beneficiary is up to date.
Don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Life Policy Conversion is available if you want to keep this coverage after you leave employment. You may apply to convert this policy to an individual whole life policy by completing the below application and following the directions on the form within 30 days of leaving employment.
Supplemental Life/AD&D
You have the opportunity to enroll in Supplemental Life and AD&D insurance in addition to the employer provided Basic Life and AD&D coverage.
Open Enrollment:
If you are currently enrolled in this benefit, you are eligible to increase by $10,000 without Evidence of Insurability (EOI). A larger increase or adding this benefit for the first time at Open Enrollment will require EOI approval from Mutual of Omaha. Group ID Number is G000CJBK
Disability
Disability coverage is insurance for your income.
Accident
Accident Insurance is through Mutual of Omaha
Accident insurance provides you with the extra money you need to help cover the incurred expenses you face when you suffer an injury due to an accident. Benefits are paid in addition to other insurance and can be used to help cover gaps in health insurance or other expenses.
Health Maintenance Screening Benefit - Pays a $50 benefit once per calendar year when you or your dependents go to the doctor for covered wellness screening.
Hospital Indemnity
Hospital Indemnity Insurance is through Mutual of Omaha
Hospital Indemnity insurance helps to pay for hospital related fees. This benefit provides a lump sum payment in the event of a covered hospital expense. Some of the covered hospital benefits include:
- Hospital Admission
- Per Day Hospital Confinement
- Per Day ICU Confinement
Health Maintenance Screening Benefit - Pays a $50 benefit once per calendar year when you or your dependents go to the doctor for covered wellness screening.
Extras
Mutual of Omaha
Call 1-800-316-2796 or click the below link.
Resource Videos
Contacts
Client Contacts
Jim Young
jim.young@pbsnow.com
(405) 359-0121