CKE RESTAURANTS HOLDINGS, INC.
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Benefit Group 2

ACA Full Time Shift Leaders, Shift Leader Trainees, Shift Managers, Team Leaders, Crew positions



​Welcome to your 2020 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.

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2020 MEDICAL


​Medical Insurance - United Healthcare (UHC)
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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.
MEDICAL Plan Rates
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Summary of ​HDHP with HSA
Certificate of Coverage - HDHP with HSA
SBC - HDHP with HSA
SUMMARY OF Silver PPO
Certificate of Coverage - Silver PPO
SBC - SILVER PPO
SUMMARY OF GOLD PPO
Certificate of coverage - Gold PPO
SBC - Gold PPO


​Prescription Drug Coverage
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RX Summary of ​HDHP with HSA Pharmacy
RX SUMMARY OF UHC Silver PPO Pharmacy
RX SUMMARY OF GOLD PPO Pharmacy
2020 UHC Prescription Drug List


​​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. 
Transition of Care form



​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 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
United HealthCare Provider Search
2020 Dental


​​Dental - UHC
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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.
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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". 
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UHC Dental Plan Rates
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UHC Dental PPO (LOW) - Benefit Summary
UHC Dental PPO (HIGH) - Benefit Summary
2020 Vision


​Vision - UHC
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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. 
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UHC Vision Rates
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UHC Vision - Benefit Summary
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! 


Annual IRS Contribution Limits
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Individual Contribution
2020 HSA Annual Contribution Limit
$3,550.00
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Family Contribution
2020 HSA Annual Contribution Limit
$7,100.00
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HSA Benefit Information
HSA Consumer Guide
2020 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. ​

Critical illness insurance
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. ​

Accident Insurance
​Important Plan Documents
Summary Annual Report - 2019



​2020 Enrollment Resources

2020 Enrollment TOOLS


​What's New?

Click the button below for an overview of what is changing in 2020. This includes the new plans for 2020, as well as the benefits that are ending on December 31, 2019 and other important information that you need to know.


​2020 Benefits eGuide

Click the button below for your 2020 Benefits eGuide! This guide provides an in-depth look at your 2020 Benefits and has all of the information you will need in order to make decisions about your 2020 Benefits. 
What's New?
2020 Benefits eguide



​Health Advocate
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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:
  • Help you understand your plan options and choose the right plan for you
  • Explain your share of the costs for each plan option
  • Check networks to see if your doctor(s) participate
  • Help you research treatment options and find the best provider for your needs
  • Answer your questions about health conditions, diagnoses and treatments, no matter how complex
  • Get symptom advice from a nurse 24/7
  • Help you understand your bill
  • Resolve claims problems and billing issues
  • And More!
​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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Leave / Disability Claim Instructions



​​Enroll Now!

Enroll Now!


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​Enrollment Instructions
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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.

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...
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If you miss your enrollment deadline, you will not have benefits for the rest of the year!
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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. 
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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.
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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    Submit Documentation to Benefits

    Max file size: 20MB
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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

Please ​​click here​ to review your 2021 Benefits options.
Please note that the below information is for the 2020 Benefits. That information will be updated when the 2020 year has concluded. For 2021 Benefits, please click the link above, which will direct you to the information for Open Enrollment. 
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  • Home
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