Under the Pre-Tax Contribution Program (PTCP), your share of the health insurance premium is deducted from your wages before taxes are withheld, which may lower your tax liability.

If you wish to change your PTCP selection for 2016, please see me to complete a new Health Insurance Transaction Form (PS-404) by November 30, 2015.

If you are currently enrolled in the PTCP, you can make the following changes:

• Change your PTCP election
• Change from Family to Individual coverage, while your dependents are still eligible, when there is no qualifying event
• Change from Individual to Family coverage without a qualifying event (late enrollment provisions will apply)
• Voluntarily cancel your coverage, while you are still eligible for coverage, when there is no qualifying event

Requests made in November during the PTCP Election Period are effective beginning the next plan year.

NO ACTION IS REQUIRED TO KEEP YOUR CURRENT PTCP STATUS.