United Healthcare

DTCC offers two medical/Rx plans from UnitedHealthcare (UHC):

• Point of Service Plan (PSP)
• Consumer Choice Plan (CCP)

Under both plans, you can select in- or out-of-network providers, and referrals are not required to see a specialist.

Both plans also cover in-network preventive care visits at 100% with no copay or coinsurance.

Both plans include prescription drug coverage.

Dental & Vision

Cigna offers two dental plans for DTCC employees, the Dental PPO and Dental HMO. Both plans provide 100% coverage preventative care twice a year, as well as additional coverage for other services. Be sure to check out our Benefits Guide to review all the details you need to make the best decision for you and your family.

The DTCC vision plan is also managed by Cigna. The plan provides a comprehensive exam plus allowances for lenses and frames or contact lenses every year.

Wellbeing

Managing your health just got a whole lot easier. Rally is designed to help you make changes to your daily routine, set smart goals, and track your progress. You’ll get personalized recommendations to help you move more, eat better, and improve your health—and have fun doing it.

Don’t forget to take full advantage of our DTCC Wellbeing Incentive Program to receive health premium discounts and/or get $50 worth of gift cards. Please review our Wellbeing Guide to determine your eligibility today!

Active&Fit Gym and Fitness Discounts

Gym and fitness discounts through Active&Fit give you access to a wide variety of gyms with discounted memberships and additional member benefits, including gym memberships for your spouse, one-on-one coaching, workout videos, and online resources to support your health journey.

Financial Counseling

When you’re in control of your finances, you tend to experience less stress, feel more confident, and sleep better. Ayco can help you with everyday financial decisions and planning for big events. This benefit is FREE to you and can support you and your family as you navigate all different stages of life. What are you waiting for? Get to know AYCO today!

Employee Assistance Program

When life happens, we’re here for you. With your EAP benefits, you’re eligible for virtual visits or face-to-face sessions—at no cost to you.

It doesn’t just stop there, you can get legal consultations, financial wellness resources, parenting and caregiving guidance, and much more! Take a moment and explore all the possibilities of support.

PlumBenefits

PlumBenefits offers exclusive discounts, special offers, and access to preferred seating and tickets to top attractions, theme parks, shows, sporting events, movie tickets, hotels, and much more.

Chase Home Lending

You can take advantage of special benefits through the Chase Employee Benefit Program. If you are interested in refinancing your current mortgage or buying a new home, you are eligible for a $1,000 credit at closing from Chase. Plus, additional products and services including:

• Expert Help: Chase Home Lending Advisors are ready to help from start through closing
• Affordable Lending: Variety of affordable mortgage options, including down payments as low as 3% and homebuyer assistance programs where you can earn $2,500 or $5,000 toward your purchase with the exclusive Chase Homebuyer Grant
• Purchase Closing Guarantee: Chase guarantees that when you buy a new home, you’ll close on time or Chase will give you $5,000
• More Than A Mortgage: Access to the full array of Chase financial products and services beyond home lending, including personal banking, auto loans, credit cards, and more

The Chase Home Lending $1,000 closing cost credit is not available at Banking Centers.

Bright Horizons

Younger children at home? Bright Horizons offers affordable back-up child care. Need help managing work, family and personal responsibilities? Bright Horizons Enhanced Family Supports is there to help! Teenagers preparing for college? Bright Horizons College Coach can help guide employees and their families through the admissions and finance process.

New users, use the employer login credentials below to register:
• Employer Username: dtcc
• Employer Password: BHCares4u

Accident Insurance

With Group Accident Insurance, you can receive cash benefits in the event of an accident that requires emergency room treatment or hospitalization. The additional cash can help you pay for deductibles, copays, and other costs related to the covered accident. Key highlights of the plan include:

• No evidence of insurability is required, and there are no medical exams or tests to take;
• Accident coverage for yourself or your entire family; and
• Benefits are in addition to medical or any other benefits you may receive (e.g., Accidental Death & Personal Loss (AD&PL) and are paid directly to you, unless you assign them to someone else

Hospital Indemnity Insurance

If you have to stay in the hospital due to illness or injury, Group Hospital Indemnity Insurance* provides cash benefits to help pay for your overnight hospital stay. This includes hospital admission for maternity care. Key highlights of the plan include:

• No pre-existing conditions clause;
• No waiting period to receive benefits;
• No evidence of insurability required; and
• No medical exams or tests to take.

*IMPORTANT: DTCC offers a fixed indemnity policy; this is NOT health insurance. If you are considering purchasing this policy, please read the notice under “Resources” in its entirety.

Critical Illness

If you are ever diagnosed with a serious illness such as a heart attack, cancer, or stroke, your focus should be on getting well, not on the financial strain a serious illness can cause. Group Critical Illness Insurance pays a lump-sum benefit ($15,000 or $30,000) upon diagnosis of a covered illness. This coverage can supplement your existing medical coverage, providing added financial security for you and your family. The plan includes an annual $50 Wellness Benefit for each covered person. A Wellness Benefit claim can be filed online, and the money is deposited directly into your bank account within three days. Please note: You must have separate medical coverage to enroll in this plan; however, it does not need to be a DTCC medical plan option.

Group Whole Life Insurance with Accelerated Death Benefit for Long Term Care (GWL-LTC)

The flexible option helps provide financial security to you and your loved ones during life’s unexpected events, including both death benefits and cash value that can be used along the way. You’ll have access to funds that help cover long term care if it’s needed. Plus, any unused funds convert to Whole Life Insurance coverage after death.

Legal Insurance

Life is full of legal situations. Some you plan for, like creating a will, and others are more unexpected—like fighting a traffic ticket or getting your deposit back from a difficult landlord.

Legal insurance makes it affordable to get the legal help you need: network attorney fees are 100% paid-in-full for most covered matters.

Choose between two plans to get the coverage that best fits the needs of you and your family. UltimateAdvisor® covers most common legal issues. UltimateAdvisor Plus™ includes more robust coverage plus additional services.

Identity Protection

Allstate Identity Protection delivers comprehensive financial and identity monitoring designed to help protect you, your family, and your finances from threats. See your personal data and monitor it with rapid alerts. If fraud occurs, get full-service restoration and up to $1 million in reimbursement for stolen funds and expenses.