CKE RESTAURANTS HOLDINGS, INC.
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Benefit Group 2

Full Time Shift Leaders, Shift Leader Trainees, Shift Managers, Team Leaders
Welcome to your 2019 Benefits! 

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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.
Medical/Prescription


​Medical Insurance - Aetna
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Plan Rates
Plan Comparison
Aetna Formulary
Aetna Preventative Drug List
​​HSA Premier Plan
Lowest Premiums

​Annual Deductible 
​$3,500 (I)

Network Availability
In-Network Only

Primary Doctor's Visit Cost
 30% after deductible
 
Plan pays for Preventive prescriptions

Out-of-Pocket Maximum
$6,450 (I)


Learn More
​Premier Plan
Low Deductible & Copays

Annual Deductible 

​$750 (I)
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Network Availability
In-Network Only

Primary Doctor's Visit Cost
 $20 copay
 
Plan pays for Preventive prescriptions

Out-of-Pocket Maximum
$3,375 (I)
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Learn More
HSA Flex Preferred Plan
Moderate Deductible

Annual Deductible 
​$1,750 (I/In-Network)

Network Availability
In and Out-of-Network
 
Primary Doctor's Visit Cost
20% co-insurance
 
Plan pays for Preventive prescriptions

Out-of-Pocket Maximum
$3,500 (I)

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Learn More


Provider Search
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Before you select a plan, please take the time to research that your providers are in-network. To find in-network providers, please click on the Aetna Provider Search button below. If you aren't sure your search results are correct, please contact the Aetna Concierge to verify.  ​
Aetna Provider Search
Transition of Coverage Request
Dental

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​Dental - Cigna
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Good dental health is a critical component of your overall health. Your dental plan is through Cigna and provides benefits for preventive, basic and major services. To find an Cigna network dentist in your area, visit the Cigna website.
Cigna Dental Rates
​Dental PPO
Deductible
$50 (I)
Annual Benefit Maximum
$1,500
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Orthodontia
50%; Lifetime Max $1,500


​Dental HMO (California-Only)
No Deductible

No Annual Deductible


​Orthodontia
​Cost based on schedule​
Cigna Dental Benefit Summary
Cigna Dental Care - DHMO
Vision

Vision - VSP

If you wear glasses or contacts, you know vision expenses can add up. At CKE, vision benefits are provided by VSP. Even if you don’t wear contacts or glasses, annual eye exams are recommended. All VSP Vision plans come with one of the largest vision networks in the country. To find a Vision provider, visit the VSP Vision website.
VSP Rates
​Vision Choice w/ Computer Care
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$20 copay / 12 months
Eye Exams

$10 copay / 12 months
Prescription Glasses Exam

Up to $60 copay / 12 months
Contact Lenses Exam

$20 copay
Diabetic Eyecare Plus
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$30 copay
Computer Vision Exam
​Vision Choice Standard

$20 copay / 12 months
 Eye Exams

$10 copay / 12 months
Prescription Glasses Exam

Up to $60 copay / 12 months
Contact Lenses Exam
​
$20 copay
Diabetic Eyecare Plus
VSP w/Computer Care Benefit Summary
VSP Benefit Summary
Health Savings Account (HSA)

​Health Savings Account (HSA)

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! 
​
NEW THIS YEAR! 
​CKE will match your HSA contributions dollar-for-dollar up to $500.
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.


Annual IRS Contribution Limits
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Individual Contribution
2019 HSA Annual Contribution Limit
$3,500
Family Contribution
2019 HSA Annual Contribution Limit
$7,000
HSA Benefit Information
HSA Consumer Guide
Work/Life Benefits

​Work Life Benefits
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Critical Illness
Up to $30,000 guaranteed issue.
​A cash benefit is payable to you at time of diagnosis of a covered critical illness and is paid regardless of any other coverage. 
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Critical Illness Summary
Critical Illness Premium Table

Accident
Off-the-Job Protection. The High Plan includes $1,500 for Hospital Confinement, $75 for Outpatient Physician, and up to $300 for Emergency Room coverage.​
 
Aetna Accident Plan

​Auto/Legal/Home/Pet
Save money on the lifestyle benefits you need, with group discounts and convenient payroll deductions. 
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Auto/Legal/Home/Pet Plan Information

​Individual Short-Term Disability
Provides you with a monthly cash benefit if you are faced with an unexpected sickness or off-the-job injury to help pay for treatment for up to 3 months. 
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Short Term Disability Plan Summary
​Hospital Indemnity
This plan pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons. 
Hospital Indemnity

​Universal Life
Protect your family.
A $40,000, $60,000 or $80,000 benefit helps provide financial protection in the event of your death. Spouse and Children coverage is offered as well! 
Universal Life Insurance
Enroll Now

Enrollment Instructions
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If you were recently hired or re-hired, you should receive a registration link to the email address on file.
  • If you have a CKE email address, the registration link will be sent to that email address.
  • If you do not have a CKE email address, the registration link will be sent to your personal email address on file.
    • Follow the instructions in the email to create/register your Benefits account.

​If you were not hired recently or still have to create/register your Benefits account, follow the enrollment instructions provided below.
​ 

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.​
  • Your username can be whatever you like (we recommend using your current email address or your employee ID number).
  • If you are a returning user and forget your username, contact ​benefits@ckr.com to retrieve your username.
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Don't Forget...

You must enroll in or decline benefits within 30 days of your hire date as a benefits-eligible employee. If you miss this deadline, you won’t have the opportunity to enroll again until Annual Open Enrollment. The only exception to this rule is if you have a “qualified life event” such as marriage, divorce, the birth of a child, or the loss of coverage under your spouse’s medical plan. 
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Adding dependents?
If you are adding new dependents to your plan, please have their dates of birth and Social Security Number available.
Did you call the concierge?
Did you call the Aetna Concierge to ensure you are selecting the best medical plan for your family?
Aetna Concierge 
The Aetna Concierge​ has the answers to your questions about your benefits or healthcare services. They can help you decide what health plan to select by explaining plan details, finding a provider in your area, and more! They are available for you at 855-217-2836
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. 
  • 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:
  1. Visit Employee Navigator Benefits Website
  2. ​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)
  3.  Click the "Adjust Coverage" icon, select the appropriate life event,​​​ and enter the appropriate event date*
​             *for most events (Marriage, Birth/Adoption, Divorce, Death of a Dependent) the date of the event is when the event actually took place
             *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.



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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.
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COBRA PRemiums
COBRA FAQs
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