2019 Part-Time Benefits and Programs — Overview

Medical & Prescription Drug

Select Health Choice 1 or Health Choice 2. Both options offer the same features:

  • A Health Savings Account (HSA) (if eligible), which lets you set aside pretax money to pay for current and future eligible health care expenses.
  • Use any doctor you choose. You’ll save money with in-network providers.
  • In-network preventive care (according to federal guidelines) is paid at 100% up to the allowable amount and not subject to the deductible.
  • Annual deductible: All non-preventive covered expenses — medical and prescription drug — go toward meeting the deductible.
  • Out-of-pocket maximum (OOP maximum): Protects you from unexpected high health care costs in any given year. Note: OOP Maximums work differently under individual and family coverage.
  • Prescription drug coverage through CVS Caremark: Certain covered preventive care drugs are covered at 80% or 100% and not subject to the deductible.

Teladoc

Telemedicine service that gives you and your covered family members convenient, affordable access to a board-certified doctor by phone or online. Phone consultations are available 24/7. Video consultations are available from 7 a.m. to 9 p.m. ET every day. Note: Limitations apply in some states. You save time and money: regular medical visits are $40, dermatology visits are $75 and behavioral health support is $80 to $160, depending on the service. All fees can be paid from your HSA and are subject to your medical plan deductible, coinsurance and out-of-pocket maximum. That means you’ll pay the full cost of these services until you’ve met your deductible, then only 20% of the regular fee after that until you meet the out-of-pocket maximum.

If eligible, you can even earn $100 in wellness credits when you register for Teladoc or complete a consultation. See the Wellness Incentive Program Checklist for details.

Dental

Options include:

  • Preventive Preferred Dental Organization (PPDO) with an annual benefit maximum of $750 per person.
  • Preferred Dental Organization (PDO) with an annual benefit maximum of $1,500 per person.
  • Dental Maintenance Organization (DMO), where available, which requires that you select and use a primary-care dentist in order to receive benefits. There is no annual benefit maximum in this plan.
The PDO and DMO plans include orthodontic services for children. The PDO includes orthodontia for adults as well. The PPDO plan does not cover orthodontia for children or adults.

Vision

Coverage for exams, frames, and lenses or contacts with both in- and out-of-network coverage levels.

Life Insurance

$20,000 Life Insurance benefit is automatically provided by PNC.

Incentive Savings Plan (ISP) 401(k)

Part-time employees are eligible for the plan after completing one year of service. You are automatically enrolled at a pretax contribution rate of 4% in the BlackRock LifePath Target Date Fund that most closely aligns with the year you’ll reach age 65, unless you make different contribution/investment choices or decline the enrollment within 30 days of your eligibility date.

  • You may contribute from 1% to 75% of your eligible compensation on a pretax basis and/or through Roth after-tax contributions, up to the IRS maximums.
  • PNC will match your pretax and/or Roth after-tax contributions dollar for dollar up to 4% of your eligible pay. You are eligible for the company match as soon as you enroll. You are vested in the company match after three years of service.
  • There is a minimum company match of $2,000 if you contribute at least 4% every pay period throughout the year and remain employed by PNC on the last business day of that year. The minimum match is prorated for hourly or part-time employees based on the number of hours worked, and those who are eligible for less than a full year.
  • You choose from a variety of investment options to match your personal savings and retirement goals.

Pension Plan

Part-time employees are eligible for the plan after completing one year of service.* The plan provides a retirement benefit that is company-funded. Your benefit accrues with earnings credits in an amount equal to a percentage of your eligible pay each quarter, along with interest credits earned on your account balance each quarter. The benefit vests after three years of service.

  • If you were covered by the PNC Pension Plan — including active participation in the National City portion — as of Dec. 31, 2009, you will be maintained at the earnings credit level you had attained on that date (from 3% to 8%, which was based on your age and years of service). Your earnings credit level will not increase in the future.
  • If you first became a participant in the plan on or after Jan. 1, 2010, you will receive a fixed 3% earnings credit after becoming eligible for the plan.
  • Effective Jan. 1, 2018, eligible employees receive a minimum $2,000 credit annually.
*Harris Williams employees do not participate in the PNC Pension Plan.

Vacation

Active, part-time employees may be eligible for paid vacation time after their first year of service.

Holidays

  • The corporate holiday schedule provides 10 paid days per year.
  • Part-Time employees are eligible for paid holidays if the holiday falls on a regularly scheduled work day.

Educational Assistance

This program provides eligible part-time employees with reimbursement of up to $1,200 per year for eligible costs related to eligible undergraduate or graduate classes, degree programs, or certain certification programs.

Visit the Educational Assistance policy on Pathfinder to learn more.

Living Well

Living Well is available to all employees, and includes programs, tools and resources to support all aspects of your well-being: health, money and life. Some benefits and programs are also available to spouses/domestic partners and/or family members in the home.

The Wellness Incentive Program rewards you with wellness credits when you take certain steps to maintain or improve your well-being.

  • If you’re enrolled in a PNC medical option with associated PNC BeneFit Plus Health Savings Account (HSA), you can earn up to $600 in wellness credits deposited in your HSA. Your covered spouse or domestic partner can earn an additional $400 in your HSA.
  • If you are not enrolled in PNC's medical benefits and/or do not have an associated PNC BeneFit Plus HSA, you can earn up to $100 in wellness credits as taxable cash in your regular PNC pay throughout the year.

Learn more

Employee Assistance Program (EAP)

Free confidential assistance with life’s challenges, ranging from parenting and elder care support to mental health counseling. It is available 24/7 to employees and family members.

Advocacy

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.

Parental Leave (for birth or adoption)

Eligible new parents of any gender are provided with six work-weeks’ time off, paid at 100% of regular salary, to bond with a new baby or child. Employees must meet eligibility requirements, including one full year of continuous service as of the date of a birth or in conjunction with an adoption. Time must be taken within one year after a birth or in conjunction with an adoption, and it must be taken in whole work-week increments.

Just In Case Care

In partnership with Bright Horizons, a national network of back-up child and elder/adult care services can help you make it to work when your regular arrangements are unavailable.

Visit the Just in Case Care policy on Pathfinder to learn more.

Adoption Assistance

If you have at least one year of continuous part-time service and meet additional eligibility requirements, PNC will provide financial assistance up to $2,500 for eligible expenses for each adoption.

Learn more

Commuter Benefits Program

Pay for eligible parking or transit expenses with pretax dollars with convenient debit cards or home delivered transit passes, among other options. You may enroll or change your contribution at any time.

Business Travel/Criminal Acts Insurance

Covers death and dismemberment while you travel on company business or resulting from the criminal acts of others that occur while you travel and are functioning in your capacity as a PNC employee.

Employee Stock Purchase Plan (ESPP)

Part-Time employees with at least one year of service may contribute 1% to 10% of their regular pay to purchase PNC common stock at a 5% discount from the fair market value on the purchase date.