CKE RESTAURANTS HOLDINGS, INC.
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Benefits Class 1

Full-Time​ Restaurant General Managers and Restaurant Support Center

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.


Medical/Prescription


​Medical Insurance - Aetna
​

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)


Summary of Benefits and Coverage (SBC)

​HSA PRemier Plan
​Premier Plan
Low Deductible & Copays

Annual Deductible 
​$750 (I)
​

Network Availability
In-Network Only

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

Out-of-Pocket Maximum
$3,375 (I)

​
SUMMARY OF BENEFITS AND COVERAGE (SBC)

​Aetna PREMIER PLAN
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)

​
SUMMARY OF BENEFITS AND COVERAGE (SBC)

​HSA Flex Preferred PLAN


Provider Search
​

Before you select a plan, please take the time to research that your providers are in-network. To find in-network providers, please visit the Aetna Provider Search 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


​​Dental - Cigna
​

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
​
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
​
$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
​
$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
​
Individual Contribution
2019 HSA Annual Contribution Limit
$3,500
Family Contribution
2019 HSA Annual Contribution Limit
$7,000
HSA Benefit Information
HSA Consumer Guide
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.
​

Health Care FSA

Contribute pre-tax dollars from your paycheck to pay for eligible health care expenses for you and your dependents. 

$2,700 
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


Commuter Benefit

Pay for transit passes and parking expenses at or near work using pre-tax contributions. 

$260 
Monthly Contribution Limit


Health Care FSA/Dependent Care FSA Plan Information
Life And Disability


Life and Disability


Company Provided (CKE-paid)

Basic Life and Accidental Death and Dismemberment (AD&D)
CKE provides 1x/annual salary up to $250,000 for these benefits at no cost to you. As you complete the enrollment process, you will see your coverage amounts.

Long-Term Disability
​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%.

Short-Term Disability (STD)
​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.
Voluntary (Employee-paid) 

Voluntary Supplemental Life Insurance
​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
You may select coverage for your spouse in units of $10,000 to a maximum of $250,000, not to exceed 50% of your 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 $2,500 to a maximum of $10,000. The maximum benefit for children under six months is $2,500. Child coverage does not requires EOI.

Voluntary Accidental Death & Dismemberment (AD&D)
You may purchase additional Accidental Death & Dismemberment coverage for you and your dependents. Elect up to 10x/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.
401(k) Plan Features
SMM Amendment 1
401(k) Savings SPD
SMM Amendment 2
401(k) Retirement Investment Advice
401(k) Plan Info and Enrollment Guide
Work/Life Benefits


​
​Work Life Benefits

​

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. 
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. 
​
Auto/Legal/Home/Pet Plan Information
​Hospital Indemnity
This plan pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons. 
Hospital Indemnity
​Enroll NOW!

Enrollment Instructions

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. 
​
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

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  • Home
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