Industry Leading 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.

Your Benefits Portal: Employee Navigator

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).

PGC Benefits Summary Guide

Overview of Medical, Dental, and Vision summary and costing via Aetna.

Life Insurance & Disability Benefits

Life and Short and Long Term Disability insurance coverage via New York Life.

Platinum OAMC Aetna Benefits Plan

Full coverage details for the Open Access Managed Choice (OAMC) platinum plan.

Gold OAMC HSA Aetna Benefits Plan

Full healthcare coverage details if you opt for the Gold OAMC HSA benefits plan.

Silver OA EPO HSA Aetna Benefits Plan

Full coverage details for the Open Access Elect Choice Silver plan via Aetna.

Aetna Dental Benefit Plan High PPO

Dental coverage details for the high PPO plan.

Aetna Dental Benefit Summary Low PPO Plan

Dental coverage detail if you opt for the low PPO plan.

Aetna Vision Coverage Summary Plans

Coverage details for the vision plans provided via Aetna.

Life & Accidental Death & Dismemberment Insurance

Voluntary life insurance and dismemberment coverage from New York Life.

Short Term & Long Term Disability Coverage

View coverage from New York Life in the event of a disability that would prevent you working.

Open Enrollment for Healthcare Plans FAQs

Common questions on enrolling for employer sponsored healthcare plans.

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

Health Savings Account

Our Health Savings Account (HSA) offers a variety of employment-related benefits to cover you and your family.

Retirement Account

Individual Retirement Account (IRA) is available to everyone, regardless of your eligibility for 401(k)


If you have any questions about your benefit plan, take a look at our FAQs below.

What Benefits does PGC offer me?

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

1. Medical, Dental, and Vision Insurance offered by Aetna.
2. Voluntary Life Insurance, Long-Term Disability, and Short-Term Disability offered by New York Life.
4. Health Savings Account (HSA) in correspondence to two of the Medical plan tiers, administered by Benefit Resource (BRI).
5. 401(k) Retirement Savings administered by John Hancock.
6. Commuter Benefits administered by Benefit Resource (BRI).
7. Individual Retirement Savings Account administered through workIRA and Aspire Financial.

*All offerings based on eligibility

Can I choose the coverage that 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:

1. OAMC (Platinum)

2. HSA OAMC (Gold)

3. OA EPO HSA (Silver)

Then, you can add the ancillary cover of your choice. This includes coverage for:

– Dental (High and Low plan offering)

– Vision

– Life insurance (With Optional Accidental Death and Dismemberment coverage)

– Long-term disability

– Short-term disability

Eligibility period for benefits

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 next open enrollment period, which typically occur late in the year, for an effective date of January 1st of the following year.

401(k) benefits

401(k) benefits, if eligible, can be started the first of the following month after one full calendar month of employment, or anytime thereafter. They can be ended, or modified at any time. 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 as intended.

Commuter benefits

You can start, end, or modify your Commuter Benefits at any time as well.  

Individual Retirement Account (IRA)

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?

Aetna and New York Life 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 Aetna has an extensive network of health professionals and expands your existing Hospital and provider network. You can browse doctors on the Aetna website.

For medical, dental, and ancillary coverages you can view the Aetna Glossary.

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 three business days should your paycheck 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?

Aetna’s out-of-network coverage includes basic emergency and urgent care options abroad. Prior to traveling, we recommend speaking to Aetna 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 Aetna.

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 Aetna 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 coverage. Typically, this is the first of the subsequent month after one full calendar month of employment. 

For Example, an April 15th start date means that your coverage would begin on June 1st.

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 Aetna app. 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 Medical Plan will reset on December 31st/January 1st of each new benefit year.

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 $155,000 USD in compensation from PGC ONLY in the previous fiscal year.

When do my 401(k), IRA, HSA, and 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.

Any more questions?

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

Need More Advice on Employer Sponsored Healthcare Plans?

Navigate back to our main page filled with information on your employer sponsored healthcare plans. From the periods to enroll and links to the main plans, you’ll find everything you need here. If you any questions we haven’t covered email: or call: (646) 490-3600