How the Plan Works

Your DGC Benefits Plan provides you and your family with valuable, affordable mental and physical health coverage and financial protection if you experience an illness, injury or disability. In this section, we explain how the plan works and what’s covered under each level.

Plan Overview

Below is an at-a-glance summary of how the plan works:

PRODUCER CONTRIBUTIONS

Producers contribute to the DGC Benefits Plan based on rates negotiated by the DGC and how much you work.

YOUR AUTOMATIC COVERAGE LEVEL

Based on your producer contributions for the prior 24 months (ending June 30), or Life Member status.

Coverage Level
2025
Contributions or status between July 1, 2022 to June 30, 2024
2026
Contributions or status between July 1, 2023 to June 30, 2025
BASIC COVERAGE
Greater than or equal to $1,100 in past 5 years
Greater than or equal to $1,160 in past 5 years
LEVEL I
$1,200 – $3,199.99
$1,260 – $3,359.99
LEVEL II
$3,200 – $5,299.99
$3,360 – $5,569.99
LEVEL III
$5,300+
$5,570 or more
65+ & 10+ consecutive years*
65+ & 10+ consecutive years*

* Note: Life Member coverage is for recognized DGC Life Members. (Must be a member in Active Good Standing for 10+ consecutive years as of turning age 65, or attain 10+ consecutive years in Active Good Standing at any age thereafter.)

YOUR DOLLAR BANK — YOU CHOOSE HOW AND WHEN TO SPEND IT DURING ANNUAL RE-ENROLMENT!

SAVE IT FOR FUTURE YEARS

HEALTHCARE SPENDING ACCOUNT (HSA)

UPGRADE TO HIGHER COVERAGE LEVEL