💰
Employer Contribution
Coverdash covers 85% of the base plan (DYZC) employee-only premium. For higher-tier plans, your cost is the total premium minus that fixed employer contribution.
85% coveredOverview
Benefits at a Glance
All 11 benefit types available to Coverdash employees in 2026
| Benefit | Provider | Who Pays | Type |
|---|---|---|---|
| Medical | United Healthcare | Employer + Employee | Opt In |
| Dental | Principal Financial | Employer + Employee | Opt In |
| Vision | Principal Financial (VSP) | Employer + Employee | Opt In |
| Voluntary Life & AD&D | Principal Financial | Employee (100%) | Optional |
| Short Term Disability | Principal Financial | Employee (100%) | Optional |
| Long Term Disability | Principal Financial | Employee (100%) | Optional |
| Hospital Indemnity | Principal Financial | Employee (100%) | Optional |
| Critical Illness | Principal Financial | Employee (100%) | Optional |
| Accident Insurance | Principal Financial | Employee (100%) | Optional |
| 401(k) Retirement | Betterment | Employee only (no match) | Optional |
| PTO & Sick Leave | Coverdash Policy | - | Unlimited |
💡
About enrollment types:Benefits marked "Opt In" are available to all eligible employees and must be elected before the end of your hire month. Coverage begins the first of the following month. Benefits marked "Optional" are voluntary - you pay 100% of the premium and can elect or waive independently.
Key Terms
Key Terms, Decoded
Benefits documents love jargon. Here's what it actually means.
Insurance Basics
What's the difference between HMO, PPO, and EPO plans?+
HMO: Requires a primary care physician and referrals for specialists. Lower premiums, must stay in-network.
PPO: See any doctor without a referral, in or out of network. Out-of-network costs more. Higher premiums.
EPO: No referrals needed, but must stay in-network. Usually lower cost than a PPO.
The UHC plans (DYYT, DYYY, DYZC, DY1P) are identified by internal codes - check Rippling's plan summary for the exact type available at your address.
What does "voluntary coverage" mean?+
Voluntary means the company makes a benefit available, but you pay 100% of the premium yourself - the employer doesn't contribute.
STD, LTD, Voluntary Life, Hospital Indemnity, Critical Illness, and Accident Insurance are all voluntary at Coverdash.
What's a Qualifying Life Event (QLE)?+
Outside of your initial enrollment period and Open Enrollment, you can only change benefits if you experience a Qualifying Life Event (QLE).
Examples of QLEs include:
- Getting married
- Getting divorced
- Having or adopting a baby
- Death of someone who shares your health plan
- Moving to a new area
- Earning U.S. citizenship
- Turning 26
- Turning 65
- Experiencing a shift in employment status
- Loss of health insurance
QLE changes must be submitted in Rippling within 30 days of the event. Coverage changes take effect the first of the following month.
Medical Insurance
United Healthcare
4 plan options available. Coverdash covers 85% of the base plan (DYZC) employee-only premium.
Plan ComparisonYour cost after Coverdash's 85% contribution · employee only
Base Plan
DYZC
United Healthcare · HSA-eligible
$98
/mo employee only
Deductible
$6,000 / $12,000
OOP Max
$8,000 / $16,000
Coinsurance
30% / 30%
UHC DY1P
United Healthcare
$214
/mo employee only
Deductible
$1,500 / $3,000
OOP Max
$7,500 / $15,000
Coinsurance
20% / 20%
DYYT
United Healthcare
$261
/mo employee only
Deductible
$1,500 / $3,000
OOP Max
$5,500 / $11,000
Copay
PCP $30 · Specialist $90
DYYY
United Healthcare
$415
/mo employee only
Deductible
$500 / $1,500
OOP Max
$2,500 / $5,000
Copay
PCP $20 · Specialist $30
85%of the DYZC employee-only premium is paid by Coverdash. The prices above reflect your share.
✓All plans available nationwide. Coverage begins the 1st of the month following your start date.
ℹHSA (DYZC): 2026 limits - $4,300 individual · $8,550 family · +$1,000 catch-up (55+)
Full premium schedule (all tiers)+
DYZC
+ Spouse$752.43
+ Children$654.29
+ Family$1,308.58
UHC DY1P
+ Spouse$984.15
+ Children$868.63
+ Family$1,638.78
DYYT
+ Spouse$1,077.25
+ Children$954.75
+ Family$1,771.45
DYYY
+ Spouse$1,386.97
+ Children$1,241.24
+ Family$2,212.80
Additional UHC Plan Details
- ✓Telehealth is $0 on all four plans when using a Designated Virtual Network Provider.
- ✓Children under 19 pay $0 for primary care visits on all plans.
- ✓No referral needed to see a specialist on any UHC plan.
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Provider Network
Coverage costs differ significantly between in-network and out-of-network providers. Use UHC's provider search at uhc.com to verify whether a specific provider is in-network.
In-network savesDental & Vision
Principal Financial
Principal Dental PPO + VSP Vision PPO
ℹ
Coverdash covers 50% of the total premium for both dental and vision. The costs below reflect the employee-only premium.
DentalPrincipal Dental PPO
Preventive
100%
In-network · no deductible
Basic
90%
In-network · $50 deductible
Major
60%
In-network · $50 deductible
Your cost
$17.99
/mo · employee only
$1,500 annual maximum117,000+ in-network dentists
Full premium schedule (all tiers)+
TierYour costTotal premium
Employee only
Coverdash pays $17.98
+ Spouse
Coverdash pays $17.98
+ Children
Coverdash pays $17.98
+ Family
Coverdash pays $17.98
What's covered+
Preventive - 100%, no deductible
- Routine exams twice per year
- Cleanings twice per year
- Bitewing X-rays once per year · Full mouth X-rays every 60 months
- Fluoride and sealants for dependent children under 14
Basic - 90% after $50 deductible
- Fillings, oral surgery, emergency exams
- Root canals (anterior and molar)
- Scaling and root planing (once per quadrant per 24 months)
- Periodontal surgery (once per quadrant per 36 months)
Major - 60% after $50 deductible
- Crowns (every 120 months per tooth)
- Bridges (every 120 months) · Dentures (every 60 months)
- Repairs
Rollover & special programs+
↻
Rollover BenefitIf you have at least one dental service in a calendar year and total claims are under $1,000, 50% of your unused benefit carries over. You can accumulate up to 4× the carryover amount.
+
Periodontal ProgramIf you are pregnant or have been diagnosed with diabetes or heart disease, scaling and root planing is covered at 100% (if dentally necessary), or you may receive one additional cleaning per year.
✓
Network117,000+ dentists nationwide. Visit principal.com/dentist or call 800-247-4695.
What does the $1,500 annual maximum mean?+
Your plan covers up to $1,500 in total dental services per calendar year. This maximum is shared across preventive, basic, and major services - all claims count toward the same cap.
Can I use an out-of-network dentist?+
Yes - the PPO covers both in and out-of-network. However, out-of-network dentists may charge more than what Principal has agreed to pay, leaving you responsible for the difference (balance billing). Staying in-network generally means lower costs.
VisionVSP Vision PPO
Exam copay
$10
Every 12 months
Materials copay
$25
Every 12 months
Frame allowance
$150
Every 12 months
Your cost
$5.97
/mo · employee only
$150 contact lens allowanceIn-network VSP doctors nationwide
Additional benefits & discounts+
✓
Standard Progressive Lenses - covered once every 12 months at $0 copay (in addition to the $25 materials copay).
✓
Laser Vision Correction - average 15% off regular price and 5% off promotional price at VSP contracted clinics. Register at vsp.com.
✓
Glasses & Sunglasses Discount - save 20–25% off at any VSP doctor within 12 months of your last covered exam, even outside your annual benefit.
ℹ
Warehouse Stores - frame allowance is reduced to $80 (not $150) at Costco, Walmart, and Sam's Club.
Full premium schedule (all tiers)+
TierYour costTotal premium
Employee only
Coverdash pays $5.97
+ Spouse
Coverdash pays $5.97
+ Children
Coverdash pays $5.97
+ Family
Coverdash pays $5.97
Disability Coverage
Short & Long Term Disability
Principal Financial · Both voluntary - you pay 100%
ℹ
How STD and LTD relate: Short Term Disability covers the initial period of a disability. Long Term Disability begins after 180 days and can continue until Social Security Normal Retirement Age. The two plans can be enrolled in independently or together.
Short Term Disability
Replacement
60%
of weekly earnings
Weekly max
$1,000
per week
Benefit begins
Day 8
of disability
Duration
26 wks
maximum
STD - additional details+
✓
Pregnancy & Childbirth - treated the same as any other disability under STD.
✓
Work Incentive Benefit - if you return to work part-time while receiving STD, you can keep both your earnings and your STD benefit, as long as the combined total does not exceed 100% of your pre-disability earnings.
ℹ
Pre-Existing Condition Lookback - 3 months - if you have not been treated for a condition in the 3 months before your coverage effective date, or if your disability occurs after 12 consecutive months of coverage, you may still qualify for benefits.
Long Term Disability
Replacement
60%
of monthly earnings
Monthly max
$6,000
per month
Benefit begins
180 days
elimination period
Duration
Age-based
varies by age at disability
LTD - additional details+
✓
Work Incentive Benefit - if you return to work part-time while on LTD, you can keep both your earnings and your LTD benefit as long as the combined income does not exceed 100% of your pre-disability earnings.
✓
Survivor Benefit - if you pass away while receiving LTD benefits, your survivors receive a lump sum equal to 3 times your monthly benefit amount.
ℹ
Mental Health & Substance Abuse - covered under LTD but subject to a 24-month lifetime maximum.
ℹ
Pre-Existing Condition Lookback - 6 months - coverage applies after 12 consecutive months of being insured.
What counts as a "disability"?+
A covered disability means you're unable to perform the essential functions of your job. Covered causes include illness, injury, surgery recovery, and some mental health conditions. Note: these plans cover off-the-job incidents. Workplace injuries are typically covered by workers' compensation.
What are common reasons employees elect disability coverage?+
Disability insurance replaces a portion of income if you're unable to work due to illness or injury. Common considerations include existing savings, other income sources, and how long you could cover expenses without a paycheck. Premiums are age-dependent - rates are available in Rippling.
Supplemental Benefits
Hospital Indemnity · Critical Illness · Accident
Supplemental cash benefits that pay you directly when covered events occur.
ℹ
How supplemental plans work: These plans pay a cash benefit directly to you when a covered event occurs. The benefit can be used for any purpose - including out-of-pocket medical costs, lost income, or other expenses. They are separate from and complement your primary medical coverage.
Voluntary Life & AD&DPrincipal Financial
Employee coverage
$300k
up to · in $10,000 increments
$100,000 guaranteed issue
Spouse coverage
$100k
up to
$25,000 guaranteed issue
Children coverage
$20k
up to per child
Statement of Health required above guaranteed issue amounts
Additional benefits & portability+
✓
Seatbelt / Airbag Benefit - $10,000 benefit in the event of a fatal car accident while wearing a seatbelt or protected by an airbag.
✓
Repatriation Benefit - up to $2,000 for covered transportation of remains if a fatal accident occurs more than 100 miles from home.
✓
Education Benefit - $3,000 per year for up to 4 years for each dependent child enrolled in an accredited post-secondary school at time of claim.
ℹ
Portability - if you leave Coverdash, you may be able to convert your life insurance coverage to an individual policy. Contact Principal for details at the time of your separation.
Hospital IndemnityPrincipal Financial · $10.89/mo employee only
First day hospital
$1,000
max 1 day/year
First day ICU
$2,000
max 1 day/year
Daily hospital
$100
up to 30 days/year
Daily ICU
$200
up to 30 days/year
HSA compatibility, wellness benefit & portability+
ℹ
A minimum of 18 consecutive hours of confinement is required to qualify for hospitalization benefits. Spouse and dependent children receive 100% of the employee benefit amounts.
✓
HSA-Compatible - if you are enrolled in the DYZC medical plan and contributing to an HSA, you can still elect Hospital Indemnity without affecting your HSA eligibility.
✓
Wellness Benefit - each covered person can receive a $50 wellness benefit once per calendar year for a covered health screening test.
ℹ
Portability - if you leave Coverdash and no longer qualify for group coverage, you may be able to continue your coverage through the portability option. Contact Principal directly at the time of your separation.
Critical IllnessPrincipal Financial · lump-sum on diagnosis
You elect
$5k–$20k
in $5,000 increments
Spouse coverage
up to $10k
max 50% of your benefit
Children
Auto
25% of your benefit · free
Wellness benefit
$50
per covered person/year
Covered conditions+
Full Benefit - 100% on first occurrence
Alzheimer's disease, ALS, benign brain tumor, coma, heart attack, invasive cancer, loss of hearing, loss of sight, loss of speech, major organ failure, multiple sclerosis, occupational infectious disease, paralysis, Parkinson's disease, stroke.
Partial Benefit - 25%
Carcinoma in situ, coronary artery disease, COVID-19, skin cancer ($250 flat), Lyme disease, meningitis, MRSA, sepsis, tuberculosis, and others.
Mental Health Benefit - 25%, first occurrence only
Bipolar I disorder, PTSD, schizophrenia.
Family Care Benefit - 25%
Complications of pregnancy, infertility.
Childhood Conditions - 100%
Cerebral palsy, cleft lip/palate, cystic fibrosis, Down syndrome, muscular dystrophy, spina bifida. Children automatically covered at 25% of your benefit at no extra cost.
Second occurrence, lookback & portability+
✓
Second Occurrence - benefits available for a second occurrence of the same illness if diagnosed more than 12 months after the prior illness and after 12 consecutive months treatment-free.
ℹ
Pre-Existing Condition Lookback - 6 months - if you have not received treatment for a condition in the 6 months before your coverage effective date, or after 12 consecutive months of coverage, you may qualify for benefits.
ℹ
Portability - contact Principal directly at the time of your separation for details on continuing coverage.
Accident InsurancePrincipal Financial · on and off the job
How it works
Pays lump-sum cash benefits directly to you for covered injuries - ER visits, hospitalization, surgery, and injury-specific amounts.
Employee only
$5.75
/mo
Family
$15.08
/mo
Wellness, youth sports benefit & portability+
✓
Wellness Benefit - each covered person can receive a $50 wellness benefit once per calendar year for a covered health screening test. Claims must be filed within one year of the date of service.
✓
Organized Youth Sports Benefit - if a covered dependent child age 18 or younger is injured while participating in an organized youth sport, they may be eligible for an additional 25% of the applicable injury benefit, up to $1,000 per calendar year.
ℹ
Portability - if you leave Coverdash and no longer qualify for group coverage, you may be able to continue your coverage through the portability option. Contact Principal directly at the time of your separation.
401(k) Retirement Savings
Betterment 401(k)
Employee contributions only - no employer match
ℹ️
No employer match. Coverdash offers a 401(k) through Betterment. The company does not currently contribute an employer match. All contributions to the account are made by the employee.
2026 Contribution Limits
💼
Employee Contribution
$23,500
Maximum you can contribute from your paycheck in 2026. Applies across all 401(k) plans you participate in.
🎂
Catch-Up (Age 50+)
+$7,500
If you're 50 or older, you can contribute an additional $7,500 on top of the standard limit - up to $31,000 total.
⚡
Super Catch-Up (Age 60–63)
+$11,250
New in 2025 - if you're between 60 and 63, your catch-up limit is higher: $11,250 extra, for a total of $34,750.
How a 401(k) Works
What is the difference between Traditional and Roth contributions?+
Traditional: Contributions are made pre-tax, reducing your taxable income in the year you contribute. Withdrawals in retirement are taxed as ordinary income.
Roth: Contributions are made after tax, with no immediate tax reduction. Qualified withdrawals in retirement are tax-free, including investment growth.
How do I set up or change my contribution?+
Your 401(k) is administered through Betterment, but you access and manage it directly inside Rippling - no separate Betterment login needed. Once in Betterment, you can set your contribution percentage and choose between Traditional and Roth. You can change your contribution rate at any time.
PTO & Sick Leave
Unlimited PTO · Unlimited sick leave
Coverdash policy · Manager approval for PTO
ℹ️
About this policy: PTO is unlimited and requires manager approval. Sick leave is unlimited and does not require advance notice. Most employees take 2–3 weeks of vacation per year.
PTO / Vacation
Unlimited PTO with manager approval. Most employees take 2-3 weeks per year. 2 weeks notice for short requests, 30 days for longer trips.
UnlimitedSick Leave
Unlimited sick leave. No advance notice required - just message your manager. Covers illness, mental health days, and recovery.
UnlimitedCompany Holidays
New Year's Day1/1/2026
Presidents' Day2/16/2026
Memorial Day5/25/2026
Juneteenth6/19/2026
Independence Day7/4/2026
Labor Day9/7/2026
Thanksgiving Day11/26/2026
Thanksgiving Friday11/27/2026
Christmas Day12/25/2026
Bereavement
Paid bereavement leave for the loss of an immediate family member. Additional unpaid leave may be available with manager approval.
Other Leave
Jury duty and military leave available per applicable law. FMLA-eligible employees may take up to 12 weeks of unpaid protected leave.
What counts as an "emergency" for same-day PTO?+
Emergencies include situations where advance notice is not feasible - such as a family crisis, unexpected childcare issues, or a personal emergency. Emergency PTO should be communicated to your manager as soon as practicable.
Does unused PTO roll over or get paid out?+
Because the policy is unlimited, there's no PTO "bank" to roll over or cash out - you take time as you need it throughout the year. If you have questions about PTO at separation, reach out to People Ops.
How do I actually submit PTO in Rippling?+
Log into Rippling → click Time Off in the left sidebar → select Request Time Off → choose the dates, type (PTO or Sick), and add a note if helpful. Your manager will get a notification to approve.
How to Enroll
Ready to get started?
Everything happens in Rippling - here's the full flow
1
Log into Rippling
Go to app.rippling.com or use the Rippling mobile app. Sign in with your personal email address. New to Rippling? Check your onboarding email for the invite link.
2
Find your enrollment task
From the Home screen, look under "Your To-Do List" for the "Make your personal annual elections" task. Click it to open the benefits wizard.
3
Add your dependents (if applicable)
If covering a spouse or children, enter their info when prompted - full name, date of birth, and Social Security Number.
4
Review plans and make your elections
For each benefit type, Rippling shows available plans and your exact per-paycheck cost. You can elect or waive each one. Read plan summaries before choosing.
5
Review your summary and sign
Rippling will show a full summary of all elections and total monthly cost. Verify everything, then electronically sign to confirm.
Warning
Submit before month end. Elections must be submitted in Rippling before the end of your hire month. Coverage begins the first of the following month. Reach out to People Ops if you run into any issues.
I need help choosing - who can I contact?+
Reach out to the People Ops team via Slack or email with any questions about the enrollment process. For carrier-specific coverage questions, UHC and Principal contact numbers are available on the plan summary documents in Rippling.
What if I want to waive all coverage?+
You can waive any benefit you are not required to take. Each plan type in Rippling has a "Waive Coverage" option. Complete and submit the enrollment flow even if waiving all benefits, so your decisions are documented.