Welcome to your 2020 Benefits!
At CKE, quality and service are key ingredients in our recipe for success. But it’s not just our fresh and innovative menu that makes us Impossible to Ignore — it’s also our people. That’s why CKE proudly offers up a benefits package created with you in mind.
2020 MEDICAL
Medical Insurance - United Healthcare (UHC)
For 2020, United HealthCare (UHC) is replacing Aetna as the administrator of our medical and pharmacy plans. If you’ve always chosen the plan with the lowest deductible or haven’t found a CKE plan to be the best for you in the past, give it a closer look for 2020! Your options and your premiums have changed – for example, all plans now have a broader network and out-of-network benefits.
Prescription Drug Coverage
Transition of Care
If you had a previously authorized procedure(s) in 2019 with Aetna or if you have a procedure scheduled for 2020, you will want to be sure that United Healthcare also authorizes it. With your doctor's help, you can complete the Transition of Care form to request authorization from UHC.
Provider Search
You can see any doctor you choose with no referrals, but you will always save money when utilizing in-network providers. Visit myuhc.com to find doctors and facilities - you don’t have to log in to search! Just click “Find a Doctor”, “All UnitedHealthcare Plans”, and choose Choice Plus
2020 Dental
Dental - UHC
Good dental health is a critical component of your overall wellness. UnitedHealthcare will provide our dental benefits for 2020. You have the choice between two plans – both have the same deductibles and coverage levels, but the High Plan provides Orthodontia benefits for your children up to age 19, and has a higher annual maximum for you and every member of your family.
With either option, you can see any dentist you choose, but benefits are highest when you use a network provider. Visit myuhc.com to find dentists - you don’t have to log in to search! Just click “Find a Dentist”, enter your location, and choose "National Options PPO 30".
With either option, you can see any dentist you choose, but benefits are highest when you use a network provider. Visit myuhc.com to find dentists - you don’t have to log in to search! Just click “Find a Dentist”, enter your location, and choose "National Options PPO 30".
2020 Vision
Vision - UHC
If you wear glasses or contacts, you know vision expenses can add up. UnitedHealthcare will provide our vision benefits for 2020. You’ll still have the choice of two options, both of which cover the same services at the same benefit level, but the Computer Vision Care Plan includes an additional benefit for computer glasses. The computer glasses benefit gives you an additional $100 frame allowance to purchase a 2nd pair of prescription glasses that include protection against blue light. There is no additional material copay for the 2nd pair of computer glasses. You can choose any frame at network provider locations and apply the frame allowance toward the cost. This benefit is only for you and does not include dependents.
With either option, you can see any vision provider you choose, but benefits are highest when you use a network provider. Visit myuhc.com to find vision care professionals - you don’t have to log in to search! Just click “Find a Vision Provider” and enter your location.
With either option, you can see any vision provider you choose, but benefits are highest when you use a network provider. Visit myuhc.com to find vision care professionals - you don’t have to log in to search! Just click “Find a Vision Provider” and enter your location.
There is only 1 summary plan document because the coverages are the same, except the additional allowances under the Computer Vision Care plan, as referenced above.
2020 Health Savings Account (HSA)
Health Savings Account (HSA)
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Reasons to Elect an HSA
Your funds rollover from year-to-year. Contribute tax-free deposits from your paychecks into your account automatically! Lastly, you can pay for health care expenses, save for retirement, and more! |
Pay for Health Care Expenses
Use your HSA as an option to pay for your health care expenses tax-free. A debit card is provided to you, making paying for your services easier than ever before. |
CKE HSA Matching Contributions
Just like in 2019, CKE will continue to match up to $500 of your annual HSA contributions. CKE’s contributions will be prorated, so you will receive an equal portion of the match on each of your 2020 paychecks.
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!
Just like in 2019, CKE will continue to match up to $500 of your annual HSA contributions. CKE’s contributions will be prorated, so you will receive an equal portion of the match on each of your 2020 paychecks.
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!
Annual IRS Contribution Limits
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Individual Contribution
2020 HSA Annual Contribution Limit $3,550.00 |
Family Contribution
2020 HSA Annual Contribution Limit $7,100.00 |
2020 Flexible Spending Accounts (FSA)
Flexible Spending Account (FSA)
Want to reduce your taxable income and increase your take-home pay? Enroll in an FSA and start saving money on eligible health care and/or dependent care expenses.
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Health Care FSA
Contribute pre-tax dollars from your paycheck to pay for eligible health care expenses for you and your dependents. $2,700.00 Annual Contribution Limit |
Dependent Care Spending
A Dependent Care enables you to set aside pre-tax dollars to pay for qualified dependent care expenses. Funds can be used to pay for day care, preschool, elderly care or other dependent care. $5,000 Annual Contribution Limit |
2020 Life And Disability
Life and Disability
Basic Life and AD&D
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Voluntary Supplemental Life Insurance
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Retirement (401k)
CKE Savings Plan
Take the steps toward a better future today.
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.
Save easily with payroll deductions.
Make it easy to pay yourself first.
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.
Take the steps toward a better future today.
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.
Save easily with payroll deductions.
Make it easy to pay yourself first.
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.
Voluntary Benefits
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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Critical Illness
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. |
Accident
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. |
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.
Important Plan Documents/Notices
2020 Enrollment Resources
2020 Enrollment TOOLS
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Health Advocate
Do you need more assistance with making a decision for your 2020 Benefits? New this year, CKE is partnering with Health Advocate 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: answers@HealthAdvocate.com Download The App: at the App Store or Google Play |
Leave of Absence (LOA)
Leave of Absence, Disability, FMLA
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Effective June 1, 2020, all Leave of Absence, Short-term Disability, Long-term Disability , and Family & Medical Leave (FMLA) services will be administered by Lincoln Financial Group. Lincoln Financial Group offers employees direct access to claims, resources, and information. You can easily report a claim and check the status of your claim through Lincoln Financial Group's dedicated secure website of by telephone. Please visit: www.MyLincolnPortal.com to access employee resources and online tools. First time users must register using Company Code CKERHINC. Call 1-888-408-7300 and speak with an Intake Specialist to report your claim. Once you have already filed your claim, you can check the status of your claim by calling your Case Manager at 1-800-291-0112 or Leave Specialist at 1-866-630-9320 |
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Enroll Now!
Enroll Now!
Enrollment Instructions
As a new hire, you have 30 days from your date of hire to enroll in your benefits.
- If you have already registered your benefits account, login with your username and password to complete your Enrollment.
- If you are a first-time-user, you will need to register your account and create a username/password. Please follow the instructions below.
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Step 1: Visit Employee Navigator Benefits Website Step 2: Click on "Register as a new user". Step 3: Enter your own Personal Information (Company Identifier will be "CKE") and click Next. Step 4: You will be prompted to create a username and password.
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Don't Forget...
If you miss your enrollment deadline, you will not have benefits for the rest of the year!
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 2020.
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.
Making Changes
Making Changes - Qualified Life Events
If you experience one of the events below, you will have 30 days from the date of your event or change in coverage.
To make the appropriate changes to your benefits, follow the instructions below:
*for other events (Dependent's Gain/Loss of coverage), the date of the event is the first day your dependent no longer has their previous coverage
Please note that all life events will require formal documentation be submitted to the benefits department.
If you experience one of the events below, you will have 30 days from the date of your event or change in coverage.
- Marriage
- Birth/Adoption
- Death of a Covered Dependent
- Divorce
- Gain/Loss of Coverage for an Eligible Dependent (Spouse or Dependent Child)
To make the appropriate changes to your benefits, follow the instructions below:
- Visit Employee Navigator Benefits Website
- Log in with your username and your password (If you are a new user, click on the Enroll Now section above to create your account)
- Click the "Adjust Coverage" icon, select the appropriate life event, and enter the appropriate event date*
*for other events (Dependent's Gain/Loss of coverage), the date of the event is the first day your dependent no longer has their previous coverage
Please note that all life events will require formal documentation be submitted to the benefits department.
- Marriage - a copy of the marriage certificate
- Divorce – a copy of the final divorce decree with the file date and judge’s signature.
- Birth – a copy of the birth certificate or the mother’s copy received in the hospital.
- Adoption – a copy of final adoption papers signed by a judge or a document stating the child has been placed in anticipation of adoption from the adoption agency.
- Death – a copy of the death certificate.
- Dependent’s Gain/Los of Coverage Elsewhere – a copy of the hire/termination letter must be on company letterhead and state the hire/termination date and the date the employer-sponsored coverage either began or ended.
COBRA
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan.
COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.
COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.