PGC Benefits

PGC provides you access to industry leading benefits. You can personalize your benefits by selecting from multiple medical plans as well as ancillary options including dental, vision, life and disability insurance. Eligible workers are also able to take advantage of our retirement saving program through our 401(k).
Below you can view comprehensive plan summaries, information on the benefits offering, and general FAQs. You will be able to manage your benefits online in your personal benefits portal, which you will receive access to during your initial engagement with PGC. This is where you can enroll in medical and ancillary benefits, set any HSA and commuter benefits deductions, and view information on setting up a 401(k).

Our Benefits Portal: Employee Navigator


PGC BENEFITS
GUIDE

Overview of Medical and Ancillary Benefits Summary and costing

MEDICAL PLAN SUMMARY

Medical Plan Summary’s and insights into coverage options

ANCILLARY BENEFITS SUMMARY

Ancillary benefits: Dental, Vision,
Life, Disability


COMMUTER BENEFITS
PLANS

Pay for certain mass transit and parking expenses on a tax-free basis through payroll deductions.

EMPLOYEE NAVIGATOR

Employee Navigator access, where you can review plan information and manage your benefits online.

401(k)
OVERVIEW

Overview of PGC’s 401(k) plan & how you can utilize pre-tax contributions to save for retirement.


401(k)
RESOURCES

View plan descriptions and and access the John Hancock website to manage your 401(k).

HEALTH SAVINGS ACCOUNT (HSA)

Our HSA offers a variety of employment related benefits to cover you and your family.

Individual Retirement Account (IRA)

Our IRA program is available to everyone, regardless of of your eligibility to our 401(k) program.


COVID Healthcare Coverage

Summary of COVID-19 dates by program


FAQs

What Benefits does PGC offer me?

PGC has a comprehensive collection of benefits for you to choose from. These include:

1. Medical Insurance and Dental through Blue Cross Blue Shield*
2. Vision through Blue Cross Blue Shield*
3. Life and Disability through Cigna*
4. Health Savings Account (HSA) through Benefits Resource*
5. 401(k) through John Hancock*
6. Commuter Benefits through Benefits Resource
7. Individual Retirement Savings Account through workIRA and Aspire Financial

*based on eligibility

Can I choose the coverage the suits me best?

Yes, if eligible, you can create a tailored plan for yourself and your family by choosing from 3 levels of medical coverage – Platinum PPO, Gold PPO HSA, or Silver HSA. Then, you can add ancillary cover of your choice. These include coverage for dental, vision, life insurance, long-term disability, and short-term disability. If eligible for benefits, you will have an initial registration period available to you once employed through PGC, the next chance to register would be during the 2021 open enrollment period.

401(k) benefits, if eligible, can be started the first of the following month after 30 days of employment, or anytime after. They can be ended, or modified at any time.

You can also start, end, or modify your commuter benefits at any time as well.  

Please note for changes to your 401(k) or commuter benefits deductions we do need to receive any changes no later than 5 business days prior to payroll to ensure this change is processed.

The Individual Retirement Account (IRA) is owned by you from the day you sign up. This means that after your project ends, you will continue to have access to the IRA.

Do I receive a contribution towards my premium?

PGC will cover part of your employee-only premium, in accordance with Affordable Care Act requirements for eligible workers. You may choose to enroll in any plan of your choice and cover the difference in premium.

If your client chooses to provide a larger portion of your benefits cost, when you sign up for coverage through the benefit portal, Employee Navigator, your contribution will be listed and you will be able to see your benefits cost on a monthly basis.

I don’t require medical coverage through PGC, what do I need to do?

No problem! You can simply waive coverage by logging into your benefits portal. However, you should first ensure that you have appropriate ACA-compliant coverage elsewhere, otherwise you risk a tax penalty for lack of qualifying healthcare coverage.

How do I enroll in, or modify, my benefits plans?

You can start, or modify your benefits and payroll deductions during open enrollment in your benefits portal (we’ll send you a registration link).

Is there a Mobile App?

Blue Cross Blue Shield and myCigna both provide an online portal and app to monitor your account and deductibles, find a healthcare professional, view cost estimates, and easily track claims. You can download these apps on the iTunes store or on Google Play.

Our benefits portal is also mobile friendly, allowing you to quickly view and edit your eligible deferrals and deductions on your mobile device.

Can I keep the same doctor?

As a top-3 health cover provider Blue Cross Blue Shield has an extensive network of health professionals. You can still use their services if your current doctor isn’t registered, but it will carry a higher out-of-network cost.

For medical, dental, and ancillary coverages you can view the Blue Cross Blue Shield Glossary on their website or the Blue Cross Blue Shield mobile app.

How do I pay for my employee portion of the medical contribution?

PGC will deduct your monthly contribution from your first payroll of each month. Please be advised that the entire month’s deductions will be deducted from your first paycheck of month, except for your 401(k) and IRA deductions, which are deferred per paycheck.

We require direct payment of any difference within five business days should your check be insufficient to cover the month’s deduction. Failure to pay within that time could result in immediate termination of your medical coverage.

Will I receive global medical cover?

Blue Cross Blue Shield’s out-of-network coverage includes basic emergency and urgent care options abroad. Prior to traveling, we recommend speaking to Blue Cross Blue Shield to understand what coverages your specific plan accommodates. PGC also strongly recommends purchasing travel insurance when visiting abroad.

Where can I find details on the benefits available?

The document links above provide comprehensive information on each of the benefits as well as general information on the medical, dental, and ancillary coverage through Blue Cross Blue Shield and Cigna.

We have also included a comparison of the three levels of medical coverage in the PGC Benefits Summary.

How will I receive my ID card?

You can access your card on the Blue Cross Blue Shield app. Medical ID cards are also sent via postal mail – please update us if your address has changed.

When does my coverage begin?

You will receive a notification advising you of your eligibility date and effective date of cover. Typically, this is the first of the month 30 days after your start date. For Example, an April 15 start date means that your coverage would begin on June 1.

What if my ID card doesn’t arrive in time?

In case your ID card hasn’t arrived prior to the effective start of your coverage, you can access it via the Blue Cross Blue Shield app or email us to request a temporary ID card. You can also visit the doctor and ask them to bill you and then provide the insurance information at a later date.

Deductible reset

The deductible for the 2021 plan will reset on December 31st, 2021.

Am I eligible for COBRA?

You may be eligible for COBRA post-employment, pending your visa status. COBRA is a federally-mandated program that allows you to pay out-of-pocket to maintain your medical benefits for up to 18 months after your end date with PGC. You will receive communications from our COBRA administrator, Benefit Resource, during offboarding. It will contain instructions and details on the plans that you can enroll in.

Do you offer a 401(k) savings plan?

Yes we do! Through our partnership with The Platinum 401(k) and John Hancock, PGC is able to offer its eligible employees the opportunity to save for retirement. To be eligible, you must be over 21, have worked with PGC for a full month, and not have received in excess of $130,000 USD in compensation from PGC ONLY in the previous fiscal year.

When do my 401(k), IRA, HSA, commuter benefits changes take effect?

The first of the following month after any change is made.

Do you offer an IRA?

Yes we do! Through our partnership with workIRA and Aspire Financial, PGC is able to offer all employees the opportunity to save for retirement. To sign up, simply visit the links provided in your onboarding email which outline the necessary steps needed.

More questions?

If you have further questions do get in touch via email at workforce@pgcgroup.com or by phone (646) 490-3600. We are always available to guide you through the enrollment process.