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Employee Handbook

Insurance Information


The retirement plan is the Tennessee Consolidated Retirement System (TCRS) for eligible, full-time employees. DCEA and the employee each contribute toward the employee's retirement. For more information on this plan, you may refer to Introduction to Your TCRS Retirement, or to the TCRS website,

TCRS now has your retirement information online. You may access your account at Click on this link Member Self-Service Guide, to learn how to log into your account. You may select a beneficiary, change your address, check your account online and do many other things.

New 401(k) Retirement Savings Plan Available to All Employees!

ALL Douglas-Cherokee employees are eligible  to participate in the State of Tennessee 401(k) savings plan. Any employee, no matter how many hours you work, is eligible to join. The main purpose of the 401(k) is to help you save and invest for retirement. When you make regular payroll deductions over a long period of time, your contributions can really add up, thanks to compounding-gaining earnings on what you already earned, as well as on your initial contributions. Your State of Tennessee 401(k) Deferred Compensation Program is not a short-term savings account. Many financial experts suggest setting aside a separate emergency fund for unexpected expenses. Bear in mind, the Deferred Compensation Program has a long-term horizon as a retirement savings plan.

Quick and Easy Enrollment: A few simple steps and your are on your way to investing in your State of Tennessee 401(k) Deferred Compensation Program.

Investments: Know your options. Your State of Tennessee 401(k) Deferred Compensation Program offers a diverse array of investment options and convenient account management. Detailed program and account information and the flexibility to make changes to your account are available at

For more information, or to enroll, contact the Human Resources office at (423)587-4500 or


Some employees are enrolled in the 401(a), the Agency's previous retirement plan. DCEA contributes to this plan at Nationwide. No new employees are allowed to join.

If you have questions, you may contact the Human Resources office at (423)587-4500 or

Retirement Benefits

Public Service Loan Forgiveness (PSLF) Program

As a DCEA, Inc. employee, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness (PSLF) Program administered by the U.S. Department of Education. PSLF is a program that forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan, while working full-time for a nonprofit organizations. However, your loan will only be forgiven if you meet all of the PSLF Program eligibility requirements. Click here to learn more about PSLF.

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