Living Well

The Living Well program helps you manage three important parts of your total well-being: health, money and life. We partner with GuidanceResources®, a leading provider of employee assistance, work/life and wellness programs, to provide you with confidential services. We also offer wellness credits — up to $1,000 in Health Savings Account contributions or $100 cash (depending on your PNC medical coverage elections) — to reward you for taking an active role in your total well-being. Refer to the Wellness Incentive Program Checklist for wellness incentive activities and eligibility, plus other important details.

With the Wellness Incentive Program, you can earn wellness credits as contributions to your Health Savings Account (HSA) or as cash in your pay, as described below. Refer to the Wellness Incentive Program Checklist for an overview of the program or read the Wellness Incentive Program Guide on Pathfinder for additional details. Spouses/domestic partners can find the guide on (web ID: PNC). Here’s a quick look at what you can earn and what you need to do.

Who is eligible?

The following eligibility criteria must be met at the time you complete the wellness incentive activity and at the time the wellness credits are paid out.

All full-time, part-time and RSP employees who are active or away from work for less than 91 consecutive calendar days, or who are on maternity or parental leave, are eligible to earn wellness credits. New employees are eligible after they complete their PNC medical benefit elections and their elections have been automatically shared with GuidanceResources (typically about 30-40 days from the first day of employment). Spouses/domestic partners are eligible to earn wellness credits if they’re covered under a PNC medical option.

Temporary employees, contract employees and employees away from work 91 consecutive calendar days or more are not eligible (except as noted above).

In the event of the death of an eligible employee or spouse/domestic partner, wellness incentive activities completed before the date of death may be eligible for wellness credits, based on when the activities are reported. Please contact GuidanceResources at 888-999-6768 anytime for assistance.

What do I get?

  • If you’re enrolled in a PNC medical option with a PNC BeneFit Plus Health Savings Account (HSA), you can earn up to $600, and your covered spouse/domestic partner (if applicable) can earn up to an additional $400, deposited in your HSA as activities are completed.
  • If you’re not enrolled in a PNC medical option or don’t have a PNC BeneFit Plus HSA, you can earn up to $100 in wellness credits paid as cash in your regular PNC pay as activities are completed. Spouses/domestic partners cannot earn wellness credits payable as cash.

Learn more about the Health Savings Account.

How do I earn?

Step 1: Complete the online, confidential Health Assessment to start earning wellness credits.

Step 2: Earn additional wellness credits by completing other qualifying wellness incentive activities. Check out the 2019 Wellness Incentive Program Checklist for details.

Step 3: Record your completed wellness incentive activities in the Incentive Tracker on GuidanceResources Online. Some activities are automatically recorded.

It typically takes four to six weeks from the time you submit or complete your activity for the wellness credit to show up in your paycheck or HSA.

When and how do I participate?

All activities must be completed and entered in the Incentive Tracker by 11:59 p.m. CT Dec. 15 to qualify for 2019 wellness credits.

How do I complete the Health Assessment?

The Health Assessment is a free, confidential questionnaire that, once complete, provides a snapshot of your current health status and wellness behaviors. The questionnaire takes about 15 minutes to complete, after which you’ll receive a Wellness Score that highlights your level of risk for possible health issues or concerns.

To take the online Health Assessment any time and begin earning wellness credits:

Coaching and support

PNC provides confidential resources and support to help you stay healthy or get healthier. PNC gives you free, time-saving ways to take better care of yourself, physically and emotionally.

  1. Well-being Coaching through GuidanceResources

    Well-being coaching is available over the phone or online through GuidanceResources, PNC’s third-party partner. With telephonic coaching, you’re connected with a health coach who will help you set a personalized plan to develop new healthy habits depending on your goals. You’ll talk with your coach on a weekly basis for a few weeks, at whatever time fits your schedule. Online coaching allows you to explore a variety of well-being topics and use self-study to develop healthy habits. Tip: Both activities can earn you wellness credits, once you complete the Health Assessment.

  2. Onsite Events and Online Resources

    Living Well offers free Biometric Screenings and free flu shots at most major PNC locations, with other options available to smaller locations. Through GuidanceResources, you and your family members also have access to an online library of information, tools and trackers to help you manage your well-being. Options range from online relaxation webcasts to weight loss trackers and healthy recipes.

  3. Employee Assistance Program (EAP)

    GuidanceResources is our EAP provider, offering comprehensive services for everyday challenges such as parenting, emotional health or financial well-being; help with mental health or relationship issues; and general legal information about landlord/tenant issues, divorce, etc.

    Unlimited telephonic counseling, and up to five face-to-face counseling sessions with a master’s-certified clinician are included per year, per topic, to help you or your family members address emotional and behavioral well-being concerns. This service is available to all employees; you don’t have to be enrolled in a PNC medical option to use it.

    Call GuidanceResources at 888-999-6768 or access more information on the Living Well page of Pathfinder.

  4. Your Personal Advocate

    PNC’s advocacy service is there when you need help with complex health and benefits issues, locating doctors and medical facilities, coordinating PNC’s benefits with Medicare and managing claims issues. Call the HR Service Center at 877-YOUR-PNC (968-7762), option 1, then say “advocacy” when prompted.

Tobacco Cessation

GuidanceResources offers confidential support to help you kick the tobacco habit for good. As an added benefit, when you agree to complete a tobacco cessation program during annual enrollment, you’ll avoid paying the tobacco user contribution.

Call GuidanceResources at 888-999-6768 to sign up for and to complete one of the following approved tobacco cessation programs:

  1. GuidanceResources tobacco cessation program: This program is confidential, free and includes reimbursement up to $300 per person for eligible out-of-pocket expenses for nicotine replacement therapies, including over-the-counter products and prescriptions. The program typically involves five weekly phone counseling sessions and takes about six to eight weeks to complete.

  2. Alternative national program that has documented outcomes. Call GuidanceResources at 888-999-6768 to obtain pre-approval before starting an alternative program. After completing the program, call GuidanceResources to avoid or stop the tobacco user contribution. Alternative programs include:
    • Medical Insurance Carriers: Nicotine replacement therapies are often covered. Contact your carrier (e.g., Highmark Blue Cross Blue Shield, Aetna and UHC) at the number on the back of your medical plan ID card.
    • American Cancer Society: The Freshstart Program is designed to help people stop smoking for life. Visit or call 800-227-2345.
    • American Legacy Foundation: “The EX Plan” is based on ex-smokers’ personal experiences as well as scientific research from the Mayo Clinic. Visit
    • American Lung Association: Freedom From Smoking (FFS) is an online seven-module program. Visit or call the Lung HelpLine at 800-LUNGUSA (800-586-4872).

Note: If a tobacco user thinks that they are unable to meet the tobacco cessation program requirements described above, they might qualify for an opportunity to avoid the contribution by different means. To explore this option, contact GuidanceResources at 888-999-6768; counselors will work with you (and your doctor, if you wish) to find a program that is appropriate for your health status.

Even if you did not originally elect to complete an approved tobacco cessation program, or you did not complete an approved program by the deadline, it’s not too late. Contact GuidanceResources at any time during the year to start an approved tobacco cessation program. Your per-pay tobacco user contribution will be stopped when the program is complete (as soon as administratively possible), but amounts already paid cannot be refunded.

For additional information, read the FAQs on tobacco user contribution.

Being healthy is about more than just physical wellness. Research shows that being able to manage money and make good financial decisions can increase our sense of well-being and lower stress levels.

The Living Well program provides tools and resources to help you improve your financial well-being and work toward achieving your financial goals. These resources include:

Employee Discount Program

Save more of the money you earn by taking advantage of special employee discounts. PNC has partnered with GuidanceResources to offer discounts at hundreds of major retailers and service organizations, as well as colleges and universities. Browse all deals in one place on the Living Well Employee Discount website.

  • Go to: Pathfinder > Living Well > GuidanceResources Online and type “Discounts” into the search bar.
  • Search by topic and/or state for PNC exclusive discounts.
  • Select Working Advantage at the top of the list for all other discounts and offers on theater and movie tickets, theme park and ski tickets, gyms, hotels, car rentals, retail and restaurant gift cards, premium shopping websites and more.

Financial Resources

Check out tips and information through GuidanceResources to help you manage your money now and plan your financial future, or set up a phone appointment with one of their financial specialists to evaluate your financial position. You may even be able to earn wellness credits for meeting with a financial advisor/planner (after you complete the Health Assessment). Go to: Pathfinder > Living Well > GuidanceResources Online or call 888-999-6768 to connect with resources.

MoneyWise: PNC Discounts and More

As a PNC employee, you’ll receive discounts on our banking and financial services offerings including:

  • Checking accounts
  • Savings accounts
  • Mortgages
  • Investments

For details, go to MoneyWise on Pathfinder.

PNC offers benefits that fit every stage of your life, and all the highs and lows that come along with changes and challenges.

Child, Elder and Adult Care Management

GuidanceResources provides services to help you with the challenges of caring for a child, adult or elderly relative. These services include:

  • Free child, adult and elder care management services, such as in person assessment of and recommendations for your situation;
  • Check-in services to keep an eye on your loved one anywhere they live in the United States; and
  • Research/reviews of child care centers, assisted living or nursing homes you may be considering.

You can access GuidanceResources on their website or speak with a counselor at 888-999-6768. All contact with GuidanceResources is strictly confidential.


  • Back-up child, adult and elder care is also available through PNC’s Just In Case Care program. Care is available in all markets through Bright Horizons’ national network of quality, experienced, in-home caregivers from credentialed agencies. You have access to 15 days of back-up care per child/adult, per year, at an affordable rate. (See Just in Case Care below for more information.)
  • If eligible, the Dependent Care Reimbursement Account (DCRA), lets you use pretax dollars to pay for eligible dependent care expenses. Refer to the DCRA section for details.

Flexible Work Arrangements

PNC recognizes employees as individuals who need to balance their work and home responsibilities. That’s why we’ve established six formal flexible work arrangements that may be considered, based on your role and business needs:

  • Telecommute
  • Remote Work
  • Flextime
  • Compressed Workweek
  • Reduced Schedule Professional (RSP)
  • Job Share

To learn more see Flexible Work Arrangements on Pathfinder.

Employee Assistance Program (EAP)

GuidanceResources EAP is among PNC’s most valuable employee benefits, offering a range of services at no cost to you, including:

  • Confidential support for everyday challenges such as parenting, emotional well-being and financial wellness; mental health and relationship issues; and general legal information about landlord/tenant issues, divorce, etc.
  • All employees (full-time and part-time) are eligible for unlimited telephonic counseling, and up to five free in-person counseling sessions per year, per topic, with a licensed counselor in their local area.
  • Online materials/resources on topics such as financial planning, child care facilities and summer camps.
  • Research and referral services to help you with everyday needs like planning a vacation, choosing a cell phone plan and more.

Call GuidanceResources at 888-999-6768 or access more information on the Living Well page in Pathfinder.

New Mothers’ Rooms

PNC offers private lactation rooms for new mothers after they return to work. In many cases, the rooms are outfitted with pumps, comfortable chairs and small refrigerators. For more information, visit the New Mother’s Rooms policy on Pathfinder or call the HR Service Center at 877-968-7762, option 4. Representatives are available weekdays from 9 a.m. to 5 p.m. ET.

Just In Case Care

Say you’re working on a critical deadline or you have an important meeting you can’t miss. What would you do if your regular day care or adult/elder care provider is unavailable? Use PNC’s Just In Case Care program to access a national network of back-up child and adult/elder care services. The program is provided through Bright Horizons.

All full-time, part-time and Reduced Schedule Professional (RSP) employees are eligible for 15 days of care per child/adult per calendar year, with a low-cost to you:

  • Center-based back-up child care: $25 per child per day with a maximum charge of $50 per family per day
  • In-home child and adult/elder care: $4 per hour with a four-hour minimum
  • Medical care: $50 per hour

Advance registration is required. To learn more, register or request reservations: Call 877-242-2737, or visit the PNC Just In Case Care policy on Pathfinder.

Watch a prerecorded webinar for program details.