Nationwide associate benefits

Skip to main content Resources for agents E&S/Specialty partners Financial professionals Career seekers Conduct a search Search Log in Vehicle Property Personal Business Investments Resources Claims Pay a bill About us Careers Careers Nationwide’s associate benefits Browse jobs We believe in taking care of our associates in ways that matter to them. Our benefit offerings ensure that our associates have the motivation, inspiration and care they need to be their best at work and at home. Your health You, your children, and your spouse/domestic partner can enroll in Nationwide’s comprehensive benefits plan. Contributions for coverage are generally taken from your biweekly pay on a pretax basis. Coverage begins immediately on Day 1 of hire. Medical All plans include prescription drug coverage, 100% coverage for in-network preventive care, and comprehensive coverage for other medical services. Choose between two High-Deductible Preferred Provider Organization (PPO) plans. Or choose a plan that offers copays instead of a deductible. Local Health Maintenance Organization (HMO) and Accountable Care Organization (ACO) plans are available in certain locations. Other features of the medical plans Virtual visits — “Visit” a doctor without leaving your home or office. Ideal for minor medical needs (such as cold/flu and other common conditions). Health Advocate — Offers services to you and your family members, such as researching claims and billing issues, finding services and resources in your area and providing special help for aging parents, such as locating eldercare and answering Medicare questions.   Dental Nationwide offers two Dental Preferred Provider Organization (DPPO) options and one Dental Health Maintenance Organization (DHMO) option, available in certain ZIP codes. There’s coverage for preventive, diagnostic, basic and major restorative services as well as orthodontic treatment (limited to children under age 19 in the DPPO options, no age limit in the DHMO option). You also have a choice of two dental networks: Aetna or Cigna. Vision Vision insurance covers routine eye exams and allowances for lenses, frames and contacts. Nationwide offers two vision options – a low and a high option. Your work/life balance Nationwide offers a variety of time-off programs to help you balance work and life. Your Time Program The Your Time program provides paid time off to use for vacation, personal and sick time. You receive an initial Your Time award on your hire date, and after that, awards are granted quarterly based on your regularly scheduled work hours, months of service and job level. Newly hired associates receive a minimum of 18 days paid time off each full calendar year, prorated quarterly based on hire date. Newly hired associates at higher job levels may receive additional paid time off. Company-paid holidays New Year’s Day Martin Luther King, Jr. Day Memorial Day Fourth of July (1 or 2 days) Labor Day Thanksgiving Day (2 days) Christmas Day (2 days) LifeTime LifeTime is paid time off designed for unexpected life events—such as transportation issues, childcare challenges, or the loss of a pet. Each associate automatically receives 8 hours of LifeTime at the start of every calendar year. Associates are eligible to use LifeTime beginning on their first day of employment. You may use the full 8 hours at once or divide it into up to four smaller increments, totaling no more than 8 hours per year. This benefit is in addition to the time provided through the Your Time program. Unity Day In addition to your regular Your Time hours and company paid holidays, you’ll receive an additional 8 hours of paid time off on a day of your choosing to celebrate and reflect on what is meaningful to you. This time is awarded annually. You can use this time as one full day or in increments of at least 2 hours, based on your preference. Associates are eligible to take their Unity Day starting on their first day of employment.  Volunteer and blood donation program You can earn up to 2 additional paid days off per calendar year by volunteering for certain nonprofit organizations, donating blood or a combination of both. This benefit is provided in addition to your regular Your Time allocation. Foster care leave Provides up to 3 days of fully paid time off to help with the transition of a new foster child into your home. Military leave Provides 4 weeks of pay differential for short-term training assignments and 728 calendar days of pay differential for long-term deployments. Bereavement (Funeral) leave Allows for up to 5 days (100% paid) away from work to plan, prepare or attend the funeral of an immediate family member. One day is offered to attend the funeral of other relatives or close friends. Jury duty You will be paid your full salary for up to 20 days within a 12-month period for the actual hours required to fulfill your jury duty commitment. Maternity leave New moms receive up to 16 weeks of paid time off following a birth depending on the type of delivery (which is a combination of 6 or 8 weeks of short-term disability and 8 weeks of parental leave). The amount of disability pay depends on your service and benefit elections. Parental leave Parental Leave provides associates paid time off for up to 40 consecutive working days in a rolling 12-month period to bond with their new child. This time off is provided outside of the Your Time and Short-Term Disability programs. Adoption leave Adoption Leave provides adoptive parents paid time off up to 40 consecutive working days in a rolling 12-month period to bond with their new child. This time off is provided outside of the Your Time program. Your financial security Nationwide’s benefits and programs provide financial protection for you and your eligible dependents, as well as funds to help with a variety of expenses and help you save for retirement. Coverage amounts and costs of some benefits are based on base salary or covered compensation. Covered compensation is based on the greater of: The amount of your annual base salary (as reported in Workday) Your total compensation earned in the immediately preceding calendar year; total compensation includes your annual base salary as well as earnings such as overtime, shift differential, commissions, bonus and incentive payments. Life, accident and disability insurance There’s no underwriting or evidence of insurability requirement for any of these insurance benefits if elected at your time of hire. You are automatically enrolled in Company Paid Group Life Insurance and Company Paid Group Accident Insurance, each equal to 1.0 times your annual compensation. In addition, you receive a Consolatory Life benefit—an extra two weeks of pay—at no cost to you. Nationwide also offers the option to purchase additional Group Life and Group Accident coverage, which you can elect and pay for. Supplemental accident — If elected, this coverage supplements any other medical insurance and helps offset out-of-pocket costs, including health plan deductibles and co-insurance costs, when you have medical expenses due to an accident. Payment is made directly to you. Short-Term Disability (STD)  — You are automatically enrolled in Company-Paid Short-Term Disability (“Basic STD”) coverage which provides 80% of your base salary if you become disabled due to an illness. You can purchase “Optional STD” coverage for the remaining 20% of your salary as a new hire or during Open Enrollment each year. Long-term disability (LTD) — If elected, LTD coverage pays 60% of your covered compensation, up to a maximum biweekly benefit, and begins after the 6-month STD period ends. You and Nationwide share the cost of coverage. Underwriting applies if you waive coverage at the time of hire and elect it during a future open enrollment. Pretax spending accounts Nationwide has three spending accounts that you can contribute to with pretax dollars on a biweekly basis to help pay for out-of-pocket medical, dental and vision expenses and dependent day care expenses. Health savings account (HSA) A Health Savings Account (HSA) lets you set aside money for qualified medical expenses. You can contribute to an HSA if you're enrolled in a High-Deductible Nationwide-sponsored health care plan. Benefits include:  Save for qualified medical expenses and use the funds now or in the future Experience a “triple-tax benefit” with tax-free contributions, earnings, and withdrawals for eligible medical services Nationwide provides a company match up to $500 annually for single coverage and up to $1,000 annually for family coverage Unspent money rolls over to the next year Should you leave Nationwide, you can take your HSA funds with you A family medical expense flexible spending account (FSA) allows you to set aside dollars from your paycheck on a pretax basis to pay for medical, dental and vision expenses not otherwise covered or not completely covered. Up to $660 in unused balance can be rolled into the following year. If you contribute to the HSA, you can still contribute to a limited-purpose medical FSA, meaning FSA funds are limited to use for dental, vision and post-deductible medical expenses. A dependent day care FSA allows you to contribute up to $7,500 annually to help pay for eligible day care expenses or custodial care for qualifying individuals. Chat about things like: Lower your tax bill Improve your cash flow Reduce your debt Raise your credit score Save for a goal Your plan for retirement At Nationwide, we want to help you reach your retirement savings goals. That’s why we offer a comprehensive benefits package designed to help supplement your retirement income. These retirement benefits include a 100% company-paid pension plan and the Nationwide Savings Plan — a 401(k) plan with company matching contributions. Together, that’s 7% to 11% or more of your compensation that Nationwide contributes toward your retirement! Nationwide Retirement P