Welcome to your 2025 Benefits!
We’ve got good news!
You will find that just about everything that is most important to you about your CKE STAR Benefits –
the coverage you expect, the doctors you see, the healthcare facilities you use -- will be enhanced for 2025!
Frequently Asked Questions
When is Open Enrollment?
November 4 - November 15, 2024
Enrollment for the 2025 Plan Year will begin at 8:00am on November 4th and ends at 11:59pm on November 15th. Please note that there will be no exceptions and all enrollments must be completed within the Open Enrollment period.
How do I enroll?
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All Open Enrollment elections will be made in CKE's new MyStar system. To get started, log into your MyStar profile and select "Manage My Benefits". This link will take you directly to your Open Enrollment.
*** Important *** Please be sure to complete the entire enrollment. Your benefits enrollment is now like an online shopping experience, where you add various coverages to your shopping cart and are displayed with a total cost per paycheck. Once you have made your elections, please be sure to check out and obtain a copy of your enrollment confirmation statement. If you do not complete the entire enrollment process and check out, your benefit enrollments will not be saved and you will not have coverage in 2025. |
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*Please note that if you are new hire, you still need to enroll in 2024 benefits.*
You will also have to complete Open Enrollment for 2025 benefits in the MyStar system.
If you do not enroll during Open Enrollment, you will not have coverage in 2025.
Who should complete open enrollment?
We encourage all CKE employees to participate in Open Enrollment.
Full-time benefits-eligible employees have the option to enroll in one or all of CKE's Medical, Dental, Vision, HSA/FSA, Life, Disability, and Voluntary Benefit Plans. Even if you do not intend to enroll in benefits, you should take this opportunity to make sure that your beneficiaries on file for your Life insurance are correct and up to date. This is a great opportunity to make sure that you are enrolled in the plans that best fit your and your family's needs.
ACA Full-time Crew Members and Shift Leaders are eligible for CKE's Medical, Dental, Vision, HSA, and Voluntary Benefit Plans. This is a great opportunity to make sure that you are enrolled in the plans that best fit your and your family's needs.
Hourly Crew Members and Shift Leaders are eligible for CKE's Voluntary Accident and Critical Illness Plans, which provide cash benefits if you experience a covered accident or are diagnosed with a critical illness.
Full-time benefits-eligible employees have the option to enroll in one or all of CKE's Medical, Dental, Vision, HSA/FSA, Life, Disability, and Voluntary Benefit Plans. Even if you do not intend to enroll in benefits, you should take this opportunity to make sure that your beneficiaries on file for your Life insurance are correct and up to date. This is a great opportunity to make sure that you are enrolled in the plans that best fit your and your family's needs.
ACA Full-time Crew Members and Shift Leaders are eligible for CKE's Medical, Dental, Vision, HSA, and Voluntary Benefit Plans. This is a great opportunity to make sure that you are enrolled in the plans that best fit your and your family's needs.
Hourly Crew Members and Shift Leaders are eligible for CKE's Voluntary Accident and Critical Illness Plans, which provide cash benefits if you experience a covered accident or are diagnosed with a critical illness.
What happens if i don't enroll?
Over the past few years, CKE has hosted an "Active" Open Enrollment. This means that if you do not enroll, you will not have coverage in 2025 (except for any company-provided benefits). Extensions beyond the Open Enrollment period will not be permitted.
When do my benefits start?
All benefits elected during Open Enrollment begin on January 1, 2025 and will continue through December 31, 2025.
You will see your 2025 benefit premiums deducted from your weekly paycheck, beginning on January 20, 2025.
You will see your 2025 benefit premiums deducted from your weekly paycheck, beginning on January 20, 2025.
Can I make changes to my benefits after open enrollment?
No. Open Enrollment is the one time each year for you to make changes to your benefits. All final elections must be submitted by 11:59pm on November 15th.
You can only change your benefits in the middle of the Plan Year if you experience a qualified Life Event (marriage, birth, adoption, etc.). For more details, visit the Making Changes page of the this website.
You can only change your benefits in the middle of the Plan Year if you experience a qualified Life Event (marriage, birth, adoption, etc.). For more details, visit the Making Changes page of the this website.
I was recently hired and already enrolled. Do I need to enroll again?
Yes. As a new hire in 2024, you will have to complete your initial new hire benefits enrollment AND 2025 Open Enrollment in CKE's MyStar system.
who are the benefit providers?
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2024 Benefit Plans
2024 Medical - Cigna
Medical Insurance - Cigna
We are excited to announce that CKE's medical and pharmacy coverage will remain with Cigna for 2024. Open Enrollment is always a great time to review your current benefits and decide on the best coverage for you and your family. Cigna offers a broad network of covered providers and a variety of plans to meet your coverage needs.
Cigna Provider Search
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You can see any doctor you choose with no referrals, but you will always save money when utilizing in-network providers. Visit cigna.com to find doctors and facilities - you don’t have to log in to search! Just click “Find a Doctor, Dentist, or Facility”, select “Employer or School”, update your location, choose the kind of doctor you are looking for, and choose Open Access Plus, OA Plus, Choice Fund OA Plus.
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Prescription Drug Information
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(Prescription Drug List; all plans)
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This is a list of the most commonly prescribed medications covered on the Cigna Value 3-Tier Prescription Drug List as of July 1, 2021. Tier 1 & 2 Medications are listed by the condition they treat, then listed alphabetically within tiers (or cost-share levels).
This drug list is updated often so it isn’t a complete list of the medications your plan covers. Also, your specific plan may not cover all of these medications. Log in to the myCigna App and myCigna.com, or check your plan materials, to see all of the medications your plan covers. Prescription medications used to treat allergies (ex. Allegra, Clarinex, Xyzal and generics) and heartburn/stomach acid conditions (ex. Nexium, Prilosec and generics) aren’t covered on the Cigna Value 3-Tier Prescription Drug List. These medications are considered plan (or benefit) exclusions. You can get over-the-counter (OTC) versions of these medications at the pharmacy without a prescription. |
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(HDHP medical plan only)
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This is a list of Preventive Medications that may be covered under your plan. If your plan covers these Preventive Medications, your insurance benefit is applied before you meet your deductible.
Some medications may have other requirements or limits depending on your benefit plan and are noted below. To find out if a drug is covered, please check your plan benefits on the health plan’s member website. Or, call the toll-free phone number on your health plan ID card. This list may not be all-inclusive. Brand and generic drugs may not always be available due to market changes. |
2024 Dental - Cigna
Dental Insurance - Cigna
Good dental health is a critical component of your overall wellness. Cigna will remain our administrator of the CKE's Dental options in 2023. You still have the choice between two different plans – Both have the same deductibles and coverage levels, covering preventive care and restorative services.
The High Plan will continue to provide Orthodontia benefits for both adults and dependent children with a higher annual maximum for you and every member of your family.
The High Plan will continue to provide Orthodontia benefits for both adults and dependent children with a higher annual maximum for you and every member of your family.
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You can see any doctor you choose with no referrals, but you will always save money when utilizing in-network providers. Visit cigna.com to find doctors and facilities - you don’t have to log in to search! Just click “Find a Doctor, Dentist, or Facility”, select “Employer or School”, update your location, choose the kind of Dentist you are looking for, and choose Total Cigna DPPO (Cigna DPPO Advantage and Cigna DPPO)
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2024 Vision - vsp
Vision Insurance - VSP
VSP will continue to administer our vision benefits for 2023, allowing you to get the best value, while being able to see the vision providers that you prefer!
You have the option to see any vision provider you choose, but benefits are highest when you use a network provider. Finding an in-network provider is simple. Just head over to VSP.com for a list of in-network vision care professionals - you don’t have to log in to search! Just click “Find a Doctor” and enter your location.
You have the option to see any vision provider you choose, but benefits are highest when you use a network provider. Finding an in-network provider is simple. Just head over to VSP.com for a list of in-network vision care professionals - you don’t have to log in to search! Just click “Find a Doctor” and enter your location.
Health Savings Account (HSA)
Health Savings Account (HSA)
Cigna, in partnership with HSA Bank, administers CKE's Health Savings Account. This alignment creates expedited claim resolution and easy access to your HSA funds for medical claims.
When you enroll in the HDHP, you can contribute your own tax-free money to an HSA (via payroll deduction, up to annual IRS limits).
*If you contribute at least $500 of your own money to your HSA, CKE will make a matching contribution of $500. Then, shortly after enrollment, you will receive an HSA debit card in the mail. It works like a bank debit card at any vendor that accepts healthcare cards.
Keep in mind, the IRS Contribution Limit includes CKE’s contributions – so if you contribute $500 and CKE contributes $500, the IRS views this as $1,000 toward the limit. Make your elections accordingly!
Cigna, in partnership with HSA Bank, administers CKE's Health Savings Account. This alignment creates expedited claim resolution and easy access to your HSA funds for medical claims.
When you enroll in the HDHP, you can contribute your own tax-free money to an HSA (via payroll deduction, up to annual IRS limits).
*If you contribute at least $500 of your own money to your HSA, CKE will make a matching contribution of $500. Then, shortly after enrollment, you will receive an HSA debit card in the mail. It works like a bank debit card at any vendor that accepts healthcare cards.
Keep in mind, the IRS Contribution Limit includes CKE’s contributions – so if you contribute $500 and CKE contributes $500, the IRS views this as $1,000 toward the limit. Make your elections accordingly!
Flexible Spending Accounts (FSA)
Flexible Spending Accounts (FSA)
CKE offers two flexible spending accounts (FSAs) – a Healthcare FSA and a Dependent care FSA – administered by Cigna. Partnering with Cigna will provide expedited claim resolution and easy access to your FSA funds for eligible medical claims.
With FSAs, you set aside tax-free money from your paycheck to pay for out-of-pocket expenses like deductibles, copays, coinsurance, childcare and adult daycare. You pay less for these expenses because the money is not taxed when it is deducted from your paycheck or when you use it to pay for eligible expenses. Refer to the Cigna.com website for a list of eligible expenses.
With FSAs, you set aside tax-free money from your paycheck to pay for out-of-pocket expenses like deductibles, copays, coinsurance, childcare and adult daycare. You pay less for these expenses because the money is not taxed when it is deducted from your paycheck or when you use it to pay for eligible expenses. Refer to the Cigna.com website for a list of eligible expenses.
- You can contribute to one or both of the FSAs.
- You do not have to be enrolled in other coverage to participate.
- You cannot contribute to the Healthcare FSA if you are enrolled in a Health Savings Account (HSA).
Life and disability
Life and Disability Insurance
Life and AD&D Insurance provides financial protection in the event you or a covered family member dies or becomes seriously injured in an accident. Coverage is provided through Lincoln Financial.
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Evidence of Insurability (EOI): Evidence of Insurability is an application process through which you provide information on the condition of your or your dependent's health in order to be considered for certain types of insurance coverage over a specific dollar amount. For CKE, EOI is required for most changes or increases in voluntary life insurance and/or long-term disability insurance elections.
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Short-term Disability: If you are a regular full-time employee, short-term disability is provided by CKE at no cost to you. Short-term Disability Insurance provides you with 60% of your weekly income up to $1,500 if you can’t work temporarily due to a covered illness, injury or a pregnancy-related condition. Benefits for employees in CA will coordinate with CA SDI benefits. Not available in NY, NJ, HI, RI.
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Long-term Disability: Long-term disability coverage generally picks up where short-term disability coverage leaves off to protect you financially if your disability continues for an extended period. If you are unable to work for an extended period of time due to a covered disability, this benefit will replace 40% of your monthly income up to $10,000 beginning at 6 months off of work. You may purchase an additional 20% as a voluntary add-on to make your benefit a total of 60%.
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Voluntary Accident and critical Illness
Voluntary Work/Life Benefits
Lincoln Financial gives you the choice of two additional benefit plans, Accident and Critical Illness. Your participation in these plans is totally voluntary. If you choose to enroll, you can pay your premiums via payroll deduction.
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Accident Insurance: With accident insurance from Lincoln, you can help protect your budget against unforeseen expenses if you suffer an off-the-job injury. You can also cover your dependents! You can use the cash benefits from this coverage to help meet copays and other expenses, or any other way you see fit. The accident plan pays benefits for a variety of covered events – see the summary for more details.
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Critical Illness: With critical illness insurance, you receive cash benefits when diagnosed with a covered critical illness. You can use this as you wish, to help cover medical or personal expenses. You can choose benefit amounts of $10,000, $15,000, or $20,000 for yourself and additional benefits for your dependents. The payable benefit varies by diagnosis – see the summary for more details.
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employee assistance program (EAP)
Employee Assistance Program (EAP)
Life comes with many demands — from family issues to legal and financial concerns to coping with stress. Occasionally these matters can affect your work, health and family. When that happens, count on EmployeeConnect PlusSM services to provide you with the support, resources and information you need to rise to the challenge.
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Retirement (401k)
CKE Savings Plan
The CKE 401k Savings Plan is administered by Principal Financial Group. Principal has been a leader in providing retirement solutions for over 75 years. We’re excited to share the new features, tools, and resources you can use to help save for, and live in, retirement.
Start exploring
If you haven't already registered, now is a great time to register! Visit the Principal website (principal.com/welcome) and select Get Started. From there, you can take a closer look at some of the robust features available to you, including:
Start exploring
If you haven't already registered, now is a great time to register! Visit the Principal website (principal.com/welcome) and select Get Started. From there, you can take a closer look at some of the robust features available to you, including:
- Customized dashboard for your retirement account
- Retirement Wellness Score – personalized score to see how you’re tracking towards your retirement goals
- Principal® Milestones – a financial wellness resource that provides self-serve, personalized, online education
- Principal® app – streamlined for convenience, it puts you in control with retirement wellness checks, in-the-moment education and self-serve transaction capabilities
- Principal® Flash Briefing – voice assistant delivering tips, fun facts, and reminders weekly
Maintain your current lifestyle in retirement. For each year of retirement, many experts suggest you’ll need at least 80% of your annual preretirement income to maintain your standard of living. And thanks to medical advancements, many people are living longer, which could mean a longer retirement and a need to save a larger amount of money.
Reduce your current tax bill and possibly boost your refund. Every pretax dollar you contribute to the plan reduces your current taxable income, which means you could lower your overall income taxes. You may also be eligible for the Saver’s Credit, an income tax credit available to some people who contribute to an employer’s retirement plan or IRA.1
Pick from a variety of investment options. The plan offers a wide variety of investment options so you can personalize your investment portfolio to meet your specific preferences and goals.
Employer Matching Contributions. CKE will contribute $0.25 for every $1.00 that you contribute, up to 6% of your pay. Try to save at least 6% to ensure you aren’t missing out on receiving the maximum matching contribution.
Highly Compensated Employees. Highly Compensated Employees (HCEs) are limited to saving 5% of total eligible compensation. CKE identifies an HCE as an employee receiving $130,000.00 or more in eligible compensation during the current Plan year. If you have questions about your classification as an HCE, please contact the CKE Benefits team.
2024 Enrollment Resources
2024 Benefits e-guide
Need help picking a plan?
Understanding Medical Plan Types
At CKE, we know that picking a health plan can be confusing and hard. That is why we have implemented some helpful tools to help you make the best decision for you and your family! Please check out the video below for a better understanding of what each plan type means and what you should be thinking about when completing your enrollment.
Cigna's Easy Choice Tool
Now that you know a little bit more about how medical plans work, Cigna is here to help you with the rest of your decision! CKE has partnered with Cigna to help you decide what medical plan is right for you. Using Cigna's Easy Choice Tool, you can answer some questions and the decision support tool will provide you with plan choices, which you can compare and review.
(To use the Decision Support Tool, you will need to use access code:YMJDQH96)
Still need more help? Contact Health Advocate...
Health Advocate
Do you need more assistance with making a decision for your 2024 Benefits? In partnership with CKE, Health Advocate is here to provide assistance to CKE employees and their family members. Health Advocate is a free service that makes healthcare easier, so you get the right coverage, the right care and the right support - at the right time!
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With Health Advocate, experienced benefits specialists can:
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Call: 866-695-8622
Visit: HealthAdvocate.com/members Email: [email protected] Download The App: at the App Store or Google Play |
Enroll Now!
Enroll NOW!
Enrollment Instructions
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All Open Enrollment elections will be made in CKE's new MyStar system. To get started, log into your MyStar profile and select "Manage My Benefits". This link will take you directly to your Open Enrollment.
*** Important *** Please be sure to complete the entire enrollment. Your benefits enrollment is now like an online shopping experience, where you add various coverages to your shopping cart and are displayed with a total cost per paycheck. Once you have made your elections, please be sure to check out and obtain a copy of your enrollment confirmation statement. If you do not complete the entire enrollment process and check out, your benefit enrollments will not be saved and you will not have coverage in 2024. RSC Employees - Click HERE to enroll! Restaurant Employees - Click HERE to enroll! *If your MyStar account has been locked, passwords are reset daily at: 10am CST and 4pm CST* |
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*Please note that if you are new hire, you will need to enroll in 2023 AND 2024 benefits in the MyStar system.*
Don't Forget...
If you do not enroll, you will NOT have benefits in 2024.
Generally, there are two times you can enroll for benefits: 1) when you first become eligible and 2) during Open Enrollment. Once you enroll, your choices remain in effect for the entire calendar year. Please make sure that you take the time to determine the correct benefits for you and your family for 2024.
Adding dependents?
If you are adding new dependents to your plan, please have their dates of birth and Social Security Number available.
Adding dependents?
If you are adding new dependents to your plan, please have their dates of birth and Social Security Number available.
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