Program Details for Fidelity

Overview

Who can use this benefit?

Fidelity is offering Wellthy’s Backup Care as a pilot program through December 31, 2026. This program is available to regular, U.S.-based associates regularly scheduled to work 20 or more hours per week whose office is located in Kentucky, New Hampshire, New Jersey, New York, or North Carolina.

What’s included in this benefit?

As an eligible Fidelity associate, you can use up to 20 backup care days during the pilot period.

Definition of a backup care day:

A backup care day includes up to 10 hours of care booked in a single day. Care exceeding 10 hours in one day will be counted as two or more backup care days.

Costs and Coverage:

Fidelity covers the cost of backup care up to:

• Up to $200 per day for providers within Wellthy’s Care Network
• Up to $100 per day for providers within your Personal Network You are responsible for any costs that exceed the subsidized amount provided by Fidelity.

Who can this benefit be used for?

Backup care can be used for your children or aging loved ones.

Getting Started

Activate your Wellthy account

1. You can sign up with your preferred email address and create a password of your choice.
2. If prompted, verify that you are an eligible associate by providing your Fidelity corporate ID (a#).

Tips for signing up

Have your Fidelity corporate ID (a#) on hand, and if you think you’ll use this benefit at some point, register in advance to save time when you actually need care. Get ahead of emergencies and proactively:

• Search Wellthy’s Care Network for providers in your area
• Ask a Backup Care Specialist to search for you
• Add your Personal Network in the system to have on speed dial

How do I get in touch with Wellthy?

The Wellthy team is ready to support you!

• You can message our team on our digital platform, which is available 24 hours, 7 days/week
• For backup care requests, Backup Care Specialists are available 24 hours, 7 days/week
• You can message us directly through the platform or call (877) 588-3917

Wellthy Care Network and Providers

What kinds of providers will I find in Wellthy’s Care Network?

All types! Wellthy’s Care Network is designed to offer a wide range of solutions tailored to your unique situation. Whether you're looking for convenient local providers, in-home support, enriching activities for your kids (think Boys & Girls Clubs, YMCA programs, arts and crafts, and more!), reliable babysitters, nannies, private caregivers, or trusted daycare options (both centers and home-based), Wellthy has you covered.

Will I have options, or will I have to use a certain provider?

You will never be required to use a particular provider for backup care. Wellthy has created a Care Network of different types of vetted options for you to choose from, and our Backup Care Specialists are here to help you find the best-fit provider. You can also use your own Personal Network providers (who are not your regular caregivers) for backup care. Proof of payment and documentation that care took place will be required to receive reimbursement.

How do I know that the providers in Wellthy’s Care Network are high-quality, safe, and reliable?

Wellthy’s Care Network of backup care options are vetted providers that go through a rigorous screening process:

• Center-based care: Wellthy verifies state and federal licensing, considers online reviews across multiple platforms, and calls providers to confirm best fit.
• Community-based activities and programs: Similar to the above, Wellthy assesses online reviews, contacts providers to ensure good fit, and checks licensing where applicable.
• In-home providers: A thorough review of past experience and comprehensive background checks (criminal, sex offender, SSN trace, global watchlist) is conducted.

Costs and Payments

How much is backup care?

Fidelity covers the cost of backup care up to:

• Up to $200 per day for providers within Wellthy’s Care Network
• Up to $100 per day for providers within your Personal Network You are responsible for any costs that exceed the subsidized amount provided by Fidelity.

Can I schedule backup care on my own and get reimbursed?

Yes, you can reserve the care on your own, pay the provider, collect a receipt for the payment, and request a reimbursement on the Wellthy platform by completing a reimbursement form, which includes: who provided the care, the date when care was provided, and the amount paid. Examples of acceptable proof include:

• A receipt provided by a care program
• A screenshot of digital payment (e.g., PayPal, Zelle, or Venmo)
• A photo of a check written out to the care provider

How long will it take to get my reimbursement?

Once the appropriate documentation is submitted, a Backup Care Specialist will review within 1 business day. If approved, you’ll receive your reimbursement within 5–7 business days.

How long do I have to submit for reimbursement?

You have 30 days from the date of care to submit your reimbursement request. Be sure to allow enough time for your request to be reviewed, approved, and processed before the deadline.

Backup Care Allowance

What if I use up all of my backup care days for the year and I need more?

If you’ve used all your backup care days, you can still access Wellthy’s Care Network to find and book care—you’ll just pay the full cost out of pocket. Wellthy’s Backup Care Specialists will still be available to help you search for care and coordinate everything, even if you used all your days for the year.

If I have backup care days left over at the end of the year, can I roll them over to the next year?

No, unused backup care days do not roll over. You’ll receive a new set of days each year based on Fidelity’s program.

What if my spouse/partner and I work for Fidelity?

You and your partner are both eligible for your individual allowance. Each associate would need to set up their profile within the Wellthy platform.

How can I use my days across multiple loved ones?

You can use your backup care days flexibly, whether you're caring for your children or an aging loved one. When booking backup care for multiple loved ones on the same day, Wellthy determines how many backup care days are used by how the provider charges.

Cancellation Policy

Please note that cancellation policies vary per provider. Wellthy will provide clear expectations around each of the providers' cancellation policies when booking care so you know in advance.

If you need to cancel care more than 24 hours before the scheduled care start time

• You will not be charged a backup care day use.
• Backup Care Specialists will request a refund from the provider; however, a refund is not guaranteed.

If you need to cancel care less than 24 hours before the scheduled care start time

• You will be charged for one backup care day.

What if the provider cancels my confirmed reservation?

If care was not secured after the cancellation:

• You will not be charged for a backup care day.
• All payments will be refunded back according to the type of payment made.

FAQs

Can Wellthy’s Backup Care Specialists find and schedule backup care for me?

Yes! Backup Care Specialists are here to help you find and secure care when you need care. They can also proactively help you build a list of potential options for when the time comes — this is called building your Backup Care Circle. Backup Care Specialists are available Monday - Friday from 5am to 1am ET and Saturdays and Sundays from 5pm to 1am ET.

What’s a Backup Care Circle?

A Backup Care Circle is like a ‘speed dial’ of your family, friends, preferred and vetted providers. It’s a great planning tool you can turn to when you have to schedule an urgent or planned backup care need.

How do I build a Backup Care Circle?

On your dashboard, click “Build your Backup Care Circle.” From there you will be given options to add your own providers (family, friend, neighbor, babysitter, etc.) or choose from Wellthy’s Care Network.

What happens if I don’t have a Backup Care Circle when I need to schedule care?

You can either explore Wellthy’s Care Network by clicking “Find Providers” and scheduling care on your own. Or, you can enlist the help of a Backup Care Specialist by clicking “Schedule Care” and they will help you find safe and reliable providers in your area.

Can I provide feedback about my care experience using Wellthy’s Backup Care?

Once the care event is completed, connect with your Backup Care Specialist for any immediate feedback you would like to share.