Benefit Resource Portal

Welcome to the Churchill Downs Incorporated benefit resource portal. You will find valuable benefit information along with how to enroll in your benefits using the EMB Enroll online benefits enrollment system. Please take some time to review your benefits guide, along with the brochures and videos on this page. 

2025 Benefit Guide

Click Here To View
Your Benefit Guide

Mobile App Information

Mobile App Tutorial Video
Check out the Mobile App Flyer to get it on your Apple or Android Device

Options to Enroll

  • Enroll in Insurance Benefits (New Hires Only)
  • View Current Benefits and Download Forms
  • Update Personal information for yourself and dependents and beneficiary changes
  • Process Qualifying Life Event (Ex. Gain of Other Coverage, Loss of Other Coverage, Marriage, Divorce, and Birth of a Child)

Click Below To Enroll Now

Log into Your Benefit System
to enroll or view benefits


Self Enrollment Tutorial

Click Here to View an
Enrollment System Tutorial

Call Center New Hire Enrollment:

Benefit Counselor assisted enrollments are available through the EMB Call Center. Click the button below to schedule your telephonic enrollment meeting.

Appointments are available every Tuesday – Friday of each week between 9:00am – 5:00pm EST.

Schedule Your Enrollment Session with Explain My Benefits

EMPLOYEE ASSISTANCE PROGRAM

Life has its share of ups and downs

And sometimes you may need a little guidance through the “downs.”
HealthAdvocate is designed to help handle healthcare and insurance-related issues by cutting through the red tape and barriers that so often create frustrationand problems. With HealthAdvocate, you will have access to a Personal HealthAdvocate (PHA). PHAs
are typically registered nurses, supported by medical directors, and benefit and claim specialists.

Click Here to Learn More

24/7 Support

Mental Health Support

Find Providers

Financial and Legal Aid

FINANCIAL WELLNESS

Month to Month Educational Resources

Financial wellness is your ability to live a healthy financial life. It is the power to take control of your financial health now and into the future. You can enhance your financial wellness by improving various aspects of your personal finances.

Click Here to Watch Videos

401K

Savings

Retirement

Financial Planning

Benefit Video Library

Benefit Video Library

20 Videos

Enhance Your Coverage with Voluntary Benefits

We are excited to offer enhanced voluntary benefits plans that may include a guaranteed issue coverage offer.  These plans pays a lump sum payment directly to you when you experience a significant health event covered by the plan. You use the money as you need it which can help offset medical expenses or everyday expenses that may put a stress on you financially as you recover from the health event.

Click the sections below for more information .

Plan pays members cash directly to help cover out-of-pocket costs such as deductibles or coinsurance, day care, utility bills or whatever else they need as a result of a covered accident
Benefits Include:

  • $50 Wellness Benefit Included
  • Off-the-job coverage
  • Family coverage available
  • Cash payouts for Hospital services, fractures, dislocations, burns, surgeries, and more.

Plan Summaries

Provides immediate financial relief from overwhelming expenses of a serious illness such as a heart attack, stroke, or cancer
Benefits Include:

  • $150 Health Screening Benefit Included
  • Family coverage available
  • Up to $20,000 worth of coverage is available.
  • Cash payout in the event of a stroke, heart attack, organ failure, and many more.
  • Multiple lump sum benefit payments for different diagnoses.

Plan Summaries

Provides protection for you and your loved ones in the event of untimely death and while you are living too, if you need home health care, assisted living, or nursing care. This benefit has a Guaranteed Rate till age 100.

Plan Summaries

HOW TO FILE A CLAIM WITH VOYA?

Life Change Affecting Your Voluntary Benefits?

These benefits may require a custom rate quote and/or underwriting questions to make changes. 

Click Here to Submit a Request

Benefit Summaries and Forms

From summary plan descriptions to service forms, this site has everything you need.
Refer to each benefit section to find what you are looking for, then click on the desired item.

Transparency in Coverage

The following links lead to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Click here to access the machine readable files:
Anthem: Transparency in Coverage

Important Contacts

Click the Icons below to contact the carrier.

Medical

Anthem BCBS
833-597-3747

Pharmacy

CVS
844-278-5589

Dental

Delta Dental of KY
800-955-2030

Vision

VSP
800-877-7195

Universal Life

Trustmark
800-918-8877

FSA & HSA Accounts

Fidelity
800-835-5095

Employee / Family Assistance

HealthAdvocate
866-799-2728

Accident and Critical Illness

VOYA
877-236-7564

Basic Life and AD&D

VOYA
888-955-7736

Leave Management and Disability

VOYA
888-305-0602

McGriff Concierge

McGriff
844-923-2370

401k

Fidelity
844-835-5095