Frequently Asked Questions
When is Open Enrollment?
November 9 - November 20, 2020
Enrollment for the 2021 Plan Year will begin at 8:00am on November 9th and ends at 11:59pm on November 20th. Please note that there will be no exceptions and all enrollments must be completed within the Open Enrollment priod.
How do I enroll?
- If you have already registered your benefits account, visit the Employee Navigator Benefits Website and 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.
*Please note that if you are new hire and just recently enrolled for 2020 coverage, you will need to also complete your Open Enrollment for 2021.
If you do not enroll during Open Enrollment, you will not have coverage in 2021.
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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 2021 (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, 2021 and will continue through December 31, 2021.
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 20th
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. while the carriers remain the same, CKE's plan options in 2021 will be different than those for 2020. So, even if you have enrolled in benefits as a new hire for 2020, you will need to actively enroll in benefits for 2021.
who are the benefit providers?
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2021 Benefit Plans
2021 Medical - UnitedHealthcare (UHC)
Medical Insurance - UnitedHealthcare (UHC)
CKE's medical and pharmacy coverage will continue with UnitedHealthcare for 2021. Open Enrollment is always a great time to review your current benefits and decide on the best coverage for you and your family. UnitedHealthcare offers a broad network of covered providers and a variety of plans to meet your coverage needs.
Prescription Drug Information
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(all 3 medical plans)
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The health reform law (Affordable Care Act) makes certain preventive medications and supplements available to you at no cost—both prescription and over-the-counter (OTC). The preventive medications on this list are covered at 100% with $0 copay when:
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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. |
2021 Dental - UnitedHealthcare (UHC)
Dental Insurance - UnitedHealthcare (UHC)
Good dental health is a critical component of your overall wellness. UnitedHealthcare will continue to provide our dental benefits for 2021. You have the choice between two plans – both have the same deductibles and coverage levels.
(New!) In 2021, the High Plan will now provide Orthodontia benefits for both adults and dependent children, 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".
(New!) In 2021, the High Plan will now provide Orthodontia benefits for both adults and dependent children, 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".
2021 Vision - Unitedhealthcare (UHC)
Vision Insurance - UnitedHealthcare (UHC)
If you wear glasses or contacts, you know vision expenses can add up. UnitedHealthcare will continue to provide our vision benefits for 2021. We have consolidated the vision plans to make this choice easier for you! Your plan remains the same, except now the Vision 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.
You still have the option to 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.
You still have the option to 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.
Health Savings Account (HSA)
Health Savings Account (HSA)
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!
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 PayFlex.
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 PayFlex.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 PayFlex.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.
Retirement (401k)
CKE Savings Plan
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.
2021 Enrollment Resources
What's New in 2021?
2021 Benefits e-guide
Health Advocate
Health Advocate
Do you need more assistance with making a decision for your 2021 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 |
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