Living Well

The Living Well program helps you manage three important parts of your total well-being: health, money and life. We partner with Castlight® and GuidanceResources, leading providers in wellness, work/life and employee assistance programs, to provide you with confidential services. We also offer Wellness Rewards — up to $800 in Health Savings Account contributions (plus another $400 if your spouse/domestic partner is covered by a PNC medical option and participates) or $100 in gift cards (if you’re not enrolled in a PNC medical option and/or don’t have the HSA) — to reward you for taking an active role in your total well-being. Check out this overview video, then visit Castlight to get started!

Shine Brighter in 2023 with Castlight

Living Well’s partnership with Castlight makes it easier to manage your total health and well-being in one convenient place.

All employees (and spouses/domestic partners covered by a PNC medical option) can access Castlight to take advantage of the 2023 Wellness Rewards Program1. If you’re enrolled in a PNC medical option with a PNC BeneFit Plus Health Savings Account (HSA), you can earn up to $800 in your HSA, plus up to an additional $400 if your covered spouse/domestic partner (if applicable) participates. If you’re not enrolled in a PNC medical option or don’t have an associated HSA, you can still earn up to $100 in gift cards.

To get started, pick one of the easy registration options below:

  • Go to Pathfinder and select Benefits, then click the Castlight logo;
  • Visit;
  • Text2 APP to 35925 for a link to the Castlight app.

1Participation in the Wellness Rewards Program is subject to specific eligibility criteria. You are strongly encouraged to visit the Living Well page of Pathfinder to review eligibility requirements and other rules. To be eligible to receive wellness rewards, you must be an active employee: a) when you complete the activity, b) when you redeem your points and c) when the reward is paid via gift card or deposited in your Health Savings Account, as applicable. Please note: It can take up to six weeks from the time points are redeemed until the applicable rewards are deposited in your HSA, so plan accordingly.
2Standard data and text messaging rates may apply.

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 a time that 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 Rewards through Castlight.

  2. Onsite Events and Online Resources

    Living Well offers free Biometric Screenings and flu shots at most major PNC locations, with other options available to smaller locations. 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.

    Up to seven telephonic, chat, video and/or face-to-face counseling sessions (combined) 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.

    Onsite EAP counselors are also available on a monthly basis at each of PNC’s onsite Well-being Centers.

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

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 benefits enrollment for medical coverage, you’ll avoid paying the tobacco user contribution. (Reminder: Vaping is considered tobacco use for purposes of 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. The GuidanceResources program is confidential, free to the participant and includes reimbursement up to $300 per person for eligible out-of-pocket expenses for nicotine replacement therapies, including over-the-counter products (e.g., patches and nicotine gum) and prescriptions (e.g., Chantix). The program typically involves five telephonic counseling sessions (based on individual progress) at least one week apart, and takes an average of six to eight weeks to complete; or

  2. An alternative program listed below. Call GuidanceResources for pre-approval before starting an alternative program and upon completion to avoid or stop the tobacco user contribution.

    • Medical Insurance Carriers: PNC’s medical carriers offer cessation programs, and CVS Caremark covers nicotine replacement therapies at 100% with no copay. Contact your carrier.

    • Ex Plan: Based on ex-smokers’ personal experiences and scientific research at Mayo Clinic. Go to

    • Nicotine Anonymous: In-person, telephonic and virtual meetings. Call 877-TRY-NICA (877-879-6422).

    • Call 800-QUIT-NOW (800-784-8669) or 877-44U-QUIT (877-448-7848) or go to

    • State Quitlines: Every state offers an individual cessation program. Go to and select the desired state.

    • TRICARE® Smoking Quitline (for Tricare beneficiaries not eligible for Medicare). Call the North region at 866-459-8766; South region at 877-414-9949; West region at 866-244-6870. For veterans enrolled in the VA health care system, call 877-222-8387. Or visit www.tricare/mil/coveredservices/isitcovered/tobaccocessationservices#

    • YouCanQuit2 (for U.S. military personnel and their families). Go to

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.

  • 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. If eligible, you can even earn Wellness Rewards for meeting with a financial advisor/planner and recording the activity completion in Castlight. Go to: Pathfinder > Living Well > GuidanceResources Online or call 888-999-6768 to connect with resources.

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

Ovia Health Family-Building Services

Ovia Health is a collection of easy-to-use apps that provide daily confidential support for your entire parenthood journey. The program is available to all PNC employees and their families at no cost. You don’t need to be enrolled in a PNC medical option to take advantage of the program.

Features include fertility tracking, personalized health data and insights, unlimited in-app messaging with experts, including registered nurses, lactation consultants and health coaches; a variety of physician-developed health programs; information about PNC's family benefits and programs; and much more. Note: Ovia coaches educate participants about options, answer questions, help navigate patient advocacy conversations and connect members to care. They will not diagnose, prescribe or act in a medical capacity.

You can access and download any or all of the three Ovia apps through Castlight: log in to the Castlight app or register if you're a first-time user, then search “Ovia" to sign up.

  • If you download one or more of the Ovia apps directly through your device's app store, you must list “PNC" as your employer in your profile to be eligible for the expanded range of free services available to PNC employees.
  • If you already use one of the Ovia apps, you can update your employer information within the app by going to More and then going to Your Profile and selecting My Healthcare Info and then Health Plan/Employer and adding “PNC" in the Employer field.

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 that you may be considering.

You can access GuidanceResources through 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.

Wellthy Caregiver Support

Wellthy provides care coordination and support by researching options and connecting you with appropriate services to help with the administrative and logistical tasks related to care — such as financial, medical, legal, in-home services, housing and social/emotional needs.

Wellthy is available to full-time employees (including Reduced Schedule Professionals), part-time employees and employees on an approved leave (except long-term disability and personal leave) who are paid through PNC's U.S. payroll.

Wellthy's Care Coordinators partner with families regardless of who needs the care, the type of care needed and how long the care is expected to last. Whether it's care for you, your spouse, children, parents, grandparents or another loved one — Wellthy can help.

PNC pays 100% of the fees associated with the services Wellthy provides. However, Wellthy is a taxable benefit, which means you will be responsible for all income taxes on the value of the benefit (the benefit is valued at $300 per month for each active care plan). Refer to the Wellthy page in Pathfinder for full details.

Flexibility at PNC

PNC is committed to being a flexible company, supporting a variety of hybrid, remote and onsite working arrangements.

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 up to seven free telephonic and/or in-person (combined) 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-YOUR-PNC (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 Just In Case Care webinar for program details.

Note: The IRS limits the amount employers can exclude from an employee’s income for dependent care assistance to $5,000 per year. Amounts over the limit will be considered imputed income and taxed as regular wages. This limit applies to amounts you contribute to the Dependent Care Reimbursement Account (DCRA), as well as the value of any child or elder care services provided by PNC through Bright Horizons, combined.