BENEFITS ELIGIBILITYLegal spouseState-registered domestic partner or legal unionFoster childrenDependent children under age 26Dependent children under age 21 for Life Insurance (Option C- Family)Adult children with disabilities
DEPENDENT ELIGIBILITY VERIFICATION➢ If you add family members to your coverage, you are required to provide documentation to verify coverage eligibility for the dependents that you add during the Open Enrollment process or for a qualifying life event. When you enroll online, you must also submit dependent eligibility verification.➢ Failure to comply will result in a cancellation of health care coverage for that dependent. ➢ DCHR has the authority to determine whether the documentation satisfies the plan’s requirements. Any fees associated with obtaining documents are the employee’s responsibility.➢ Please Note: You are not required to provide annual verification for dependents currently covered by any DC Government health plan; however, DC Government reserves the right to request supporting documentation at any time.
For employees hired on or after October 1, 1987.The cost is shared by the employee and the DistrictEligible employees have a choice of the following plans: Aetna Healthcare HMO, PPO or CDHP Kaiser Permanente HMO UnitedHealthcare Choice HMO and PPO CareFirst HMO, PPO or CDHPEMPLOYEE BENEFITS
Health Maintenance Organization (HMO) An HMO provides comprehensive health care coverage to plan participants through a network of physicians and hospitals. Traditionally, HMOs require a referral from the individual’s primary physician to receive care from a specialist. PPOs provides services between innetwork and out-of-network providers. Covered individuals receive a higher reimbursement when using services from physicians and hospitals in the plan’s network.HMO VS PPOPreferred Provider Organization (PPO)
,While CDHPs have the lowest premium cost, by selecting a CDHP you take on more financial risk — a much higher deductible and out-ofpocket limit.A CDHP is a high-deductible plan where a portion of the health care services are paid for with pre-tax dollars.•More control of your health care expenses. Most often paired by a Health Savings Account (HSA).CONSUMER- DRIVEN HEALTH PLAN (CDHP)
MEDICAL PLAN 2026 BI-WEEKLY PREMIUM RATESFor detailed plan information, please see the 2026 DCHR Benefits Guide Available online athttps://dchr.dc.gov/publication/dc-government-benefits-guideAetna HMOAetna CDHPAetna PPOKaiser Permanente HMOUnitedHealthcare HMOUnited Healthcare PPOCareFirst HMOCareFirst CDHPCareFirst PPOSelf Only $150.75 $62.89 $140.06 $101.25 $124.56 $118.73 $107.63 $54.16 $125.69Self + 1 $298.27 $123.61 $275.30 $193.38 $237.90 $226.76 $212.04 $103.44 $240.07Family $432.71 $181.71 $404.72 $296.63 $364.94 $347.85 $311.06 $158.67 $368.27
DENTAL PLANS➢ Provider: Cigna Dental➢ DHMO: District pays 100% of premium costs.➢ DPPO: Employee pays a portion of premium costs.➢ 2026 Bi-weekly Premium Rates:
VISION PLANS➢ Provider: VSP Vision Care➢ Vision coverage is available at no cost to eligible employees.➢ The District pays 100% of the vision premium.➢ For detailed plan information, please see the 2026 Vision Summary Plan Description, available online athttps://dchr.dc.gov/sites/default/files/dc/sites/DCHR/publication/attachments/VSP_Benefit%20Summary.pdf .
COVERAGE EFFECTIVE DATES➢ Health benefits coverage begins the pay period afterthe election has been submitted and during the pay period that a payroll deduction was made to pay for the benefit.➢ For Flexible Spending Accounts (FSA), including Health Care FSA and Dependent Care FSA, coverage begins after your first payroll deduction.
Health Care FSAYou may contribute: • Maximum Annual Contribution: $3,400• If you enroll in the CDHP plan you are not eligible to elect a health care FSARollover Limits: • Maximum $680Eligible Expenses: • Out of pocket medical, prescription, dental or vision expenses • Copays, deductibles, and co-insuranceEnrollment Periods: • Open Enrollment • 31 days from New Hire• 31 days from Qualified Life Event EMPLOYEE BENEFITS
Dependent Care FSAYou may contribute: • Maximum Annual Contribution: $7,500• $2,500 if married and you and your spouse file a separate tax returnRollover Limits: • No rollover limit (forfeit) Eligible Expenses: • Expenses to care for dependent children under the age of 13Enrollment Periods: • Open Enrollment • 31 days from New Hire• 31 days from Qualified Life Event ➢ DAY CAMPS➢ BEFORE OR AFTER SCHOOL PROGRAMSEMPLOYEE BENEFITS
Commuter Benefits ProgramYou may contribute: • Maximum Monthly Contribution: $340• Mass Transit • Parking Rollover Limits: • All unused funds rolloverEligible Expenses: • Transit and parking services for commuting expenses to and from workEnrollment Periods: • Option to enroll, disenroll, increase, or decease their annual election at any time throughout the year➢ Metro Bus & TrainEMPLOYEE BENEFITS
EMPLOYEE BENEFITS: GROUP & OPTIONALLIFE INSURANCELife Insurance Coverage CostGroup LifeAnnual salary rounded to the next thousand, plus and additional $2,000You pay two-thirds of the total cost and the government pays one-thirdOption A – Standard Optional Per $10,000 coverage Based on your ageOption B – Additional Optional InsuranceAdditional optional life insurance (multiples from 1x -5x basic salary)Based on your ageOption C – Family Optional InsuranceSpouses and dependent children under the age of 21Based on your age
EMPLOYEE BENEFITS: DISABILITY INSURANCEShort-Term Disability (STD) Long-Term Disability (LTD)Policy Type Group GroupBenefit Salary Replacement Up to 66.7%; between $15 -$1,154 Income replaced at 66 2/3 percent of your pre-disability earningsElimination Period 20 days 180 daysPremium Based on age Based on age• Standard Insurance Company is the District Government disability insurance provider. • Deductions for both disability programs are deducted on an aftertax basis.
EMPLOYEE BENEFITS: RETIREMENT PROGRAMPlan Type Employer Contribution Employee Requirements401(a) Defined Contribution Pension Plan• 100% Employer-Funded: 5% of the base salary (5.5% for Corrections Officers) • Begins the first pay period after one year of service• Must have one year of continuous service to participate• Fully vested after five years of continuous service.457(b) Deferred Compensation Plan n/aOpen to all employees who can contribute the minimum of $20 per pay period.
EMPLOYEE BENEFITS: EMPLOYEE ASSISTANCE PROGRAMInova’s 24/7 EAP hotline and convenient online resources provide employees with easy, confidential access to professionals and resources, including:Confidential counselingLegal services, financial services, Savings CenterIdentity theft services Webinar training Work-life referral servicesLactation supportVisit Inova online at http://www.inova.org/eapOnline account login information:➢ Username: DCGOV➢ Password: DCGOV
FAMILY & MEDICAL LEAVEEligibilityFamily & Medical LeaveDC Family and Medical Leave Act was effective October 1, 1990, for employees whose actual work location is in the District of Columbia as of April 1, 1991. To be eligible you must work at least 1,000 hours (DCFMLA) or 1,250 hours (FMLA) for one (1) year with no break in service during the 12-month period immediately preceding the request for leaveDCFMLA Statutory Medical LeaveAllows up to 16 weeks of unpaid leave in any 24-month period for specified reasons, as prescribed by DCFMLA. Medical certification/documentation is required.DCFMLA Statutory Family Leave of AbsenceAllows up to 16 weeks of unpaid leave in any 24-month period for specified reasons, as prescribed by DCFMLA. Medical certification/documentation is required.DC Family Leave ProgramEffective October 1, 2014, employees may receive up to eight (8) weeks of paid leave for the birth of adoption of a child or to care for a family member with a serious health condition.
ANNUAL & SICK LEAVEYears of Service Hours Accrued Number of Days0-2 Years 4 hours per pay period 13 Days3-15 Years 6 hours per pay period 20 Days15+ Years 8 hours per pay period 26 DaysEligible employees accrue annual leave each pay period:All regular full-time employees annually accrue 13 days of sick leave (4 hours per pay) period regardless of employment.
PART-TIME & EXECUTIVE SERVICE EMPLOYEES➢ Part-Time employees who work at least 40 hours per pay period earn annual leave and sick leave at a proportional rate.➢ Executive Service employees receive 26 days of universal leave per calendar year to be used for any purpose (prorated depending on start date).
ANNUAL LEAVE BANK➢ A fund of accumulated annual leave donated by employees for the use of other leave bank members. ➢ To become a member and receive leave from the bank, an employee must donate a minimum of four hours of annual leave each year.
HOLIDAYSEmployees receive 12 paid holidays per year:➢ New Year’s Day➢ Martin Luther King, Jr. Birthday➢ Washington’s Birthday➢ DC Emancipation Day➢ Memorial Day➢ Juneteenth➢ Independence Day➢ Labor Day➢ Indigenous Peoples' Day➢ Veterans Day➢ Thanksgiving Day ➢ Christmas Day
DISCOUNTSHealth & Fitness:➢ Capital Bikeshare➢ Department of Parks and Recreation Fitness Centers➢ MINT Health ClubWireless Discounts:➢ AT&T Discount➢ Sprint Discount➢ T-Mobile Advantage➢ Verizon FiOSApple Employee Purchase Program➢ All District of Columbia Government employees (full-time, part-time, and contractors) may now purchase Apple products at a reduced price. http://dchr.dc.gov/page/discount-programs-district-employees
BENEFIT ENROLLMENT RECAP➢ Employees may enroll in/change plans: ➢ During the annual Open Enrollment period.➢ Within 31 days of their initial employment.➢ Within 31 days of a qualifying life event.➢ Newly hired/rehired employees should submit their benefit elections in the new hire benefit event section prior to making any other PeopleSoft changes➢ All enrollment changes are to be made through Employee Self Service (ESS), which can be accessed at https://ess.dc.gov on any computer with an internet connection. ➢ Employees must upload dependent documentation for covered dependents.➢ Please keep your emailed confirmation statement from PeopleSoft.➢ Benefits coverage begins the period after you make your elections.
UNDERSTANDING MY PAYCHECKLog into Employee Self Service (ESS) at https://ess.dc.gov.
HOW TO LOCATE YOUR PAYCHECK IN PEOPLESOFT➢ Log in to Employee Self Service (ESS) at https://ess.dc.gov. ➢ From the Main Menu, select Self Service.➢ Select Payroll & Compensation.➢ Select View Paycheck.➢ Your paychecks will be listed in descending order. Select the paycheck you wish to view.
PAYCHECK ISSUES, QUESTIONS, ETC.For specific questions regarding your paycheck, pay discrepancies, etc., contact the Office of Pay and Retirement Services at (202) 741-8600.
CONNECT & LEARN MOREDCHR’s Benefits & Retirement Administration:Phone: (202) 442-7627Email: [email protected]: http://dchr.dc.govOffice: DCHR1015 Half Street, 9th FloorWashington, DC 20003
Overview of the District of Columbia 401(a) Defined Contribution PlanDistrict of Columbia 457(b) Deferred Compensation Plan
ADMASTER-STAMP!20201015-1312545-4160227Why your 401(a) and 457(b) Plans MatterHow will you fund your retirement that may last 20, 30, 40 years? Will you be eligible for…▪ A pension?▪ A full or partial pension?▪ Social Security?401(a) PLAN: may be your main source of retirement income. 457(b) PLAN: valuable supplemental income.
ADMASTER-STAMP!20201015-1312545-4160227Contributions401(a) Plan Employer funded 5% of base salary, 5.5% for corrections officer after your 1st year of credible service “Vesting” – your ownership of employer contributions457(b) Plan You control how much you contribute Flexibility to increase, decrease, stop, restart
ADMASTER-STAMP!20201015-1312545-4160227How your 401(a) Retirement Plan WorksYears of Creditable Service% of Your Accountthat Is VestedLess than 2 0%2 20%3 40%4 60%5 or more 100%
Both help build retirement securityHelp you save and invest, with tax advantagesContributions Investment Control Tax Deferral Withdrawals Made each pay period Pre-tax contributions lower your current taxable income After-tax option only in 457(b) You control Can change any time No taxes due, including earnings, until you withdraw Allowed when you leave employer* You then control when, how much* Exceptions may applyTAXES
When you start saving mattersHow much could my account be worth at age 65?For illustrative purposes only. Assumes $50 bi-weekly contributions and an effective annual return of 6%, compounded bi-weekly.$216,509 $109,137 $50,170 $17,785 $- $50,000 $100,000 $150,000 $200,000 $250,000Start at 25 Start at 35 Start at 45 Start at 55How much could my account be worth at age 65?
* For illustrative purposes only. Actual returns may be higher or lower. Increase your contributions over timeAssumes:• Assumes initial $10,000 account value• $50 bi-weekly contributions at age 40 • Annual increase of $25• Effective 6% average annual return• Compounded biweekly
2026 Contribution limits – 457(b) PlanAge as of December 31, 2026 Contribution Limit Catch-up Contribution LimitTotalContribution LimitUnder age 50 $24,500 N/A $24,250Age 50-59 and 64 and older1 $24,500 $8,000 $32,500Age 60-632 $24,500 $11,250 $35,7503-year3 $24,500 $24,500 $49,0001 If eligible for both the Age-based Catch-up and the 3-year Catch-up in the same year, you may only use the catch-up which allows you to contribute the greatest amount. You may not use both at the same time. 2 Under a change made in SECURE 2.0, a higher catch-up contribution limit applies for employees aged 60, 61, 62 and 63 who participate in most 401(k), 403(b), governmental 457 plans and the federal government’s Thrift Savings Plan plans.3 To use the 3-year Catch-up you must be in one of the 3 years prior to the year you reach Normal Retirement Age as defined in the deferred compensation plan. In addition, you must have under contributed to the Plan in the past. A calculation is required.
Investments – choose your approachHave a professional take the leadProfessional ManagementChoose from Target Date fundsDo it for meChoose my own investment mixDo it myself
Investments – Do it myselfFund Name Fund Code Ticker SymbolInvestment CategoryStable Value/Cash ManagementVoya Capital Preservation Fund Class CP1 N/A Stable ValueVanguard Federal Money Market Fund 5527 VMFXX Money Market-TaxableBondDC Plus Fixed Income, 457(b) Plan 1170 N/A Intermediate-Term BondPIMCO Real Return Collective Trust II 1620 N/A Inflation-Protected BondPIMCO All Asset Fund Institutional Class 5184 PAAIX Tactical AllocationU.S. StockDC Plus Large Cap Value, 457(b) Plan 1171 N/A Large ValueAmerican Funds Fundamental Investors® Class R-6 4414 RFNGX Large BlendVanguard Institutional Index Fund - Institutional Plus Shares 5425 VIIIX Large BlendDFA U.S. Core Equity I Portfolio Institutional Class 4574 DFEOX Large BlendDC Plus Large Cap Growth, 457(b) Plan 1172 N/A Large GrowthAriel Fund Institutional Class 1548 ARAIX Mid-Cap BlendVanguard Small-Cap Index Fund Institutional Shares 5450 VSCIX Small BlendBrown Capital Management Small Company Fund Institutional Shares 1404 BCSSX Small GrowthInternational/Global StockAmerican Funds New Perspective Fund® Class R-6 4391 RNPGX World StockHarbor International Fund Institutional Class 4846 HAINX Foreign Large BlendVirtus Emerging Markets Fund Class I 5544 HIEMX Diversified Emerging MktsSpecialtyNuveen Real Estate Securities Fund Class R6 5112 FREGX Real EstateIf you prefer:• To be in control• To select your own individual investment mix• To actively manage your accountConsider Core FundsYou pick the funds and create a strategy that you think will best fit your time horizon and risk tolerance and then manage your portfolio of funds over time. These funds include capital preservation, fixed income, and equities investment options. Tools and resources will be available online to help educate you on options for managing your portfolioDo it myself
Investments – Do it for meIf you prefer:• To be hands-off• To have your investment mix pre-selected for you• To have your investments automatically become more conservative the closer you get to retirementConsider Target Date Funds*These “one-stop-shopping” funds are a pre-diversified mix of investments managed by a professional fund manager who automatically adjusts the risk/ return exposure of the fund as you get closer to retirement. Do it for me Fund Name Fund Code Ticker SymbolInvestment CategoryBalanced/Asset AllocationThe Vanguard Target Retire Inc Trust I 1600 N/A Target DateThe Vanguard Target Retire 2015 Trust I 1602 N/A Target DateThe Vanguard Target Retire 2020 Trust I 1603 N/A Target DateThe Vanguard Target Retire 2025 Trust I 1604 N/A Target DateThe Vanguard Target Retire 2030 Trust I 1605 N/A Target DateThe Vanguard Target Retire 2035 Trust I 1606 N/A Target DateThe Vanguard Target Retire 2040 Trust I 1607 N/A Target DateThe Vanguard Target Retire 2045 Trust I 1608 N/A Target DateThe Vanguard Target Retire 2050 Trust I 1609 N/A Target DateThe Vanguard Target Retire 2055 Trust I 1610 N/A Target DateThe Vanguard Target Retire 2060 Trust I 1676 N/A Target DateThe Vanguard Target Retire 2065 Trust I 1748 N/A Target Date*There is no guarantee that any investment option will achieve its stated objective. Principal value fluctuates and there is no guarantee of value at any time, including the target date. Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the Fund name refers to the approximate year (the target date) when an investor in the Fund would retire and leave the work force. The Fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in the Target Retirement Fund is not guaranteed at any time, including on or after the target date.
Investment – Professional Management /Advisory servicesADMASTER-STAMP!20220301-2029015-6345276Professional ManagementWe do the workOnline AdviceYou do the workProfessional investment selection ✓ ✓Appropriate retirement savings rate recommendations ✓ ✓Quarterly account monitoring and automatic adjustments to your strategy as needed✓Quarterly updates to keep you in sync with your goals ✓Emailed summaries of our management activities ✓Extra support from VRA Investment Advisor Representatives✓Fee for use of the service ✓Both services provide retirement savings and investment recommendations, along with access to powerful online tools.
Charles Schwab’s Personal Choice Retirement Account goes beyond the plan’s core investment options for more flexibility and choice for investors wanting to manage their own investments.Investment - Self Directed Brokerage Account• Access to more than 13,000 mutual funds; • 4,500 available with no transaction fees• Fixed-income securities available• Access to Individuals stocks listed on major U.S. exchanges• Access to alternative investments, including ETFsSchwab Personal Choice Retirement Account® (PCRA) is offered through Charles Schwab & Co., Inc. (Member SIPC), the registered broker/dealer, which also provides other brokerage and custody services to its customers. ©2023 Charles Schwab & Co., Inc., (Member SIPC). All rights reserved. Charles Schwab & Co., Inc. and Voya Financial are not affiliated and are not responsible for the products and services provided by the other.ADMASTER-STAMP!20220301-2029015-6345276
Withdrawals One loan at a time – 50% of account balance, $50k MAX Both plans – Upon leaving employer, for any reason 457 plans – no 10% early withdrawal penalty, regardless of age** 10% penalty tax never applies to withdrawals of original 457 plan contributions and associated earnings. But penalty may apply to non-457 plan assets rolled into a 457 plan and subsequently withdrawn prior to age 59½.
Choose BeneficiariesMarried Participants – Most 401 plans require your spouse to be the primary beneficiary for 100% of the account unless your spouse waives this right.It’s important to name the individuals or trust you want to receive your account balance in the event of your death. Don’t forget to designate a secondary beneficiary as well. To set up a beneficiary:• You will need their name and date of birth;• Log in to your account at dcretire.voya.com;• Go to My Profile in the top right-hand corner of your retirement account web page and choose Personal Information to add/edit your beneficiary information; or • Call the District of Columbia Retirement Service Center at 833-427-1802.
Access your accountOnlinedcretire.voya.comTelephoneContact the District of Columbia Retirement Service Center: 833-427-1802 Hearing impaired: 800-579-5708Voya Mobile App▪ See current balances, balance history and balance by source▪ Reallocate your balance▪ Change investment electionsADMASTER-STAMP!20220301-2029015-6345276ADMASTER-STAMP!20220301-2029015-6345276
Next steps…✓ Access your Voya account▪ Review your saving, investing goals▪ Not participating? Enroll today!▪ Already contributing? Increase your saving▪ Consider consolidating outside accounts into your 457▪ Review your beneficiary designations✓ Use the interactive tools that inspire action✓ Schedule an appointment with one of the local representatives:https://dcretire-scheduler.timetap.com/
Your local Voya representativesHarold Michael Financial AdviserAndrew McFallsFinancial AdviserAngela Macon CRC®Financial AdviserSteven Taylor CFP®Financial AdviserRyan Myers CFP®Financial AdviserLocal Office1899 L St. NW Washington D.C. Schedule an appointment with one of the local representatives:https://dcretire-scheduler.timetap.com/
Important Disclosures Advisory Services provided by Voya Retirement Advisors, LLC (VRA). VRA is a member of the Voya Financial (Voya) family of companies. For more information, please read the Voya Retirement Advisors Disclosure Statement, Advisory Services Agreement and your plan’s Fact Sheet. These documents may be viewed online by accessing the advisory services link(s) through your plan’s website at www.milwaukeedcp.com. You may also request these from a VRA Investment Advisor Representative by calling your plan’s information line at 844-360-MDCP (6327). Financial Engines Advisors L.L.C. (FEA) acts as a sub advisor for Voya Retirement Advisors, LLC. Financial Engines Advisors L.L.C. (FEA) is a federally registered investment advisor. Neither VRA nor FEA provides tax or legal advice. If you need tax advice, consult your accountant or if you need legal advice consult your lawyer. Future results are not guaranteed by VRA, FEA or any other party and past performance is no guarantee of future results. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All other marks are the exclusive property of their respective owners. FEA and Edelman Financial Engines, LLC are not members of the Voya family of companies. ©2026 Edelman Financial Engines, LLC. Used with permission.The Income Beyond Retirement (IBR) feature of Professional Management provides you with a customized investment allocation that combines both the standard \"growth\" objective and \"income\" objective with optional payout capabilities and the ability to generate lifetime income from your retirement account(s). IBR seeks to manage your investments to create payouts that can last into your early 90s. If you think you'll want payouts longer than that and want a lifetime guarantee, consider an optional out-of-plan annuity purchase. Guarantees of lifetime income are based on the claims-paying ability of the issuing company. However, annuities are not guaranteed to be available and are generally unavailable to those over age 85 or for balances less than $10,000. Annuities are not right for everyone and you should decide if they are appropriate for you. Voya Retirement Advisors, LLC and Edelman Financial Engines, LLC do not guarantee payout amounts or payouts for life.Neither VRA nor FEA provides tax or legal advice. If you need tax advice, consult your accountant or if you need legal advice consult your lawyer. Future results are not guaranteed by VRA, FEA or any other party and past performance is no guarantee of future results. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All other marks are the exclusive property of their respective owners. FEA and Edelman Financial Engines, L.L.C. are not members of the Voya family of companies. ©2026 Edelman Financial Engines, LLC. Used with permission
Important Disclosures (Continued) Not FDIC/NCUA/NCUSIF Insured | Not a Deposit of a Bank/Credit Union | May Lose Value | Not Bank/Credit Union Guaranteed | Not Insured by Any Federal Government Agency Variable annuities, group annuities or funding agreements are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59½, an IRA 10% premature distribution penalty tax may apply. Money taken from the annuity will be taxed as ordinary income in the year the money is distributed. An annuity does not provide any additional taxdeferral benefit, as tax deferral is provided by the plan. Annuities may be subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject. However, an annuity does provide other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you.Variable investments, of any kind, are not guaranteed and are subject to investment risk including the possible loss of principal. The investment return and principal value of the security will fluctuate so that when redeemed, it may be worth more of less than the original investment. In addition, there is no guarantee that any variable investment option will meet its stated objective. For 403(b)(1) annuities, the Internal Revenue Code (IRC) generally prohibits withdrawals of 403(b) salary reduction contributions and earnings on such contributions prior to death, disability and age 50½, severance of employment, or financial hardship. Amounts held in a 403(b)(1) annuity as of 12/31/1988 are “grandfathered” and are not subject to these restrictions. For 403(b)(7) custodial accounts, the IRC generally prohibits withdrawals of any contributions and attributableearnings prior to death, disability, age 59½, severance of employment, or financial hardship. For both 403(b)(1) annuities and 403(b)(7) custodial accounts, the amount available for hardship is limited to the lesser of the amount necessary to relieve the hardship, or the account value as of 12/31/1988, plus the amount of any salary reduction contributions made after 12/31/1988 (exclusive of any earnings).All Guarantees are based on the financial strength and claims-paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.Neither Voya nor its affiliated companies or representatives provide tax or legal advice. Please consult a tax adviser or attorney before making a tax-related investment/insurance decision.You should consider the investment objectives, risks, and charges and expenses of the investment options carefully before investing. Prospectuses containing this and other information can be obtained by contacting your Representative. Please read the prospectuses carefully before investing.
Important Disclosures (continued)ADMASTER-STAMP!20220301-2029015-6345276ADMASTER-STAMP!20220301-2029015-6345276This presentation was designed to provide you with fundamental information on retirement planning and to outline other sources of information to assist you in managing your personal finances.The information presented does not constitute legal, investment or financial advice of any kind.Consult your financial, legal and/or tax advisor for advice.©2026 Voya Financial. All Rights Reserved.Created May 2026
Welcome
New DC Government employees…Aflac group insurance is available for whatever life may throw at you!Available plans - Benefits include, but are not limited to, the following: • Hospital Indemnity (2 plan options – Mid and Low)o Hospital Admission, Hospital Confinement, Hospital Intensive Care, Intermediate Intensive Care Step-Down Unit, Emergency Room Observation, Telemedicine Services, Outpatient Doctor’s Office Visit, Inpatient / Outpatient Surgery and Anesthesia, and moreo Riders: Building Benefit; Dependent Child Neonatal and Pediatric Hospital ICUThis is a brief product overview. The plans have limitations and exclusions that affect benefits payable. Please refer to the plans for complete details, limitations and exclusions. Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, Is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not Licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands.Continental American Insurance Company • Columbia, South CarolinaAGC2400124 EXP 2/25• Accident (2 plan options – High and Mid)o Hospital Admission and Confinement, Ambulance, Emergency Treatment, Major Diagnostic Testing, Medical Appliances, Fractures and Dislocations, Burns and Lacerations, Therapy, and moreo Riders: Gunshot Wound; Accidental Death; Line of Dutyo $60 Wellness RiderFor more information, scan the QR code or contact the Open Enrollment Call Center at 877-651-3601.