​2021 Plan Information

2021 MEDICAL (Rate changes)


​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.


​Prescription Drug Coverage
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​​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
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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
2021 Dental (Plan changes)


​​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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2021 Vision (Plan Changes)


​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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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.
2021 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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2021 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
2021 Life And Disability 


Life and Disability


Basic Life and AD&D
(CKE-paid)

CKE provides 1x/annual salary up to $500,000 for these benefits at no cost to you. As you complete the enrollment process, you will see your coverage amounts.​

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​​Long-Term Disability
​(CKE-paid)

​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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​​Short-Term Disability (STD)
​(CKE-paid)

​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.​



​Employee Assistance Program (EAP)
(CKE-paid)

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.​

Voluntary Supplemental Life Insurance
(Employee paid)

​Helps provide financial protection in the event of your death, to help cover costs such as funeral expenses, daily expenses and college tuition. Elect up to 5x/annual salary up to $1,000,000.

Dependent Life Insurance
Spouse
You may select coverage for your spouse in units of $10,000 to a maximum of $250,000, not to exceed 50% of your approved coverage amount. The cost of coverage will be based on your spouse’s age. Evidence OF Insurability (EOI) is required for a spouse that elects an amount over the GI amount, which is $20,000. 

Your Unmarried, Dependent Children
You may select coverage for your unmarried, dependent children in units of $2,000 to a maximum of $10,000. The maximum benefit for children under six months is $2,500. Child coverage does not require EOI.

Voluntary Accidental Death & Dismemberment (AD&D)
You may purchase additional Accidental Death & Dismemberment coverage for you and your dependents. Elect up to 5x/annual salary up to $1,000,000.
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.
​Voluntary Benefits


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​Work Life Benefits
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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. 

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. 
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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. 
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​Open Enrollment Resources

2021 Open 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. 



​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:
  • 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​
2021 Virtual OPEN ENROLLMENT FAIR
​Come meet our new vendors! This is a great time to ask questions about the new plans and how they may impact your enrollment choices for 2020.

When: Tuesday, November 5th, 2019 from 10:00am  - 2:00pm
Where: CKE Corporate Office; 1st Floor Conference Room
(Optional)
​Bring your computers to the Western Bacon Cheeseburger Conference Room if you need assistance with completing your enrollment. This is also a great time to ask your benefits team questions about the new plans.
 
All Labs will be held at the CKE Corporate Office in the Western Bacon Cheeseburger Conference Room (10th floor) at the following times:
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Wednesday 11/6/2019 from 2:00pm – 4:00pm
Thursday 11/7/2019 from 9:00am –11:00am 
Tuesday 11/12/2019 9:00am –11:00am 
Wednesday 11/13/2019 2:00pm – 4:00pm 
Thursday 11/14/2019 from 9:00am –11:00am
Friday 11/15/2019 from 2:00pm – 4:00pm



​​Enroll Now!

Enroll Now! (Deadline is November 20th at 11:59PM)


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​Enrollment Instructions
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Open Enrollment begins on Monday, November 9th and continues through Friday, November 20th at 11:59pm CST.
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  • If you have already registered your benefits account, login with your username and password to complete your Open 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.


​​Don't Forget...
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​If you do not enroll, you will not have benefits in 2020.
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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.
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