
Health & Welfare
Chuze offers a variety of benefits to eligible employees. Our health and welfare benefits go beyond just medical, dental and vision. We offer employer-paid life insurance, extra life insurance if you want to increase your amount, short-term disability, and supplemental plans to help you with those out-of-pocket costs that you may find with your regular medical insurance. Want to check out all of the benefits Chuze offers? Please click on the Chuze Benefits Guide below!
Benefits Eligibility
An employee who is classified as Full-Time is considered to be a benefit eligible employee and able to participate in the company sponsored health and welfare plans. An employee who is classified as Part-Time is considered to be a non-benefit eligible employee and unable to participate in the company sponsored health and welfare plans, but may still be eligible for medical coverage if their stability period, as defined by the Affordable Care Act, is Full-Time. For more information, please refer to appendix B in the plan document.
Coverage Start
Coverage will start after the following: Insurance plans selected during your New Hire window will be effective 1st of the month following 60 days of employment. Selections made during Open Enrollment are effective on September 1st of that plan year. Coverage effective dates for mid-year entries due to Qualifying Events vary.
Selections and Changes
Eligible employees can make benefits election and changes only during the following: Within 30 days of your hire date as a full-time employee Within 30 days of your status change to full-time During the annual Open Enrollment period Within 30 days of a qualifying life or family status event (applies only to certain changes)
MyCigna
MDLive
Qualifying life events are those situations that cause a change in your life that has an effect on your health insurance options or requirements. The IRS states that a qualifying event must have an impact on your insurance needs or change what health insurance plans that you qualify for. In either case, the qualifying life event triggers a special enrollment period that would make you eligible to select or drop coverage.
Category | Examples of Qualifying Life Events |
Loss of health-care coverage |
|
Changes in household |
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Other qualifying events |
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Qualifying Life Events are evaluated on a case-by-case basis and require documentation related to the QLE
Per the IRS (Section 125 regulations), employees may not alter their plan selections mid-year without a valid Qualifying Life Event (QLE). This is not a Chuze policy, this is an IRS regulation that we must follow.
- Log in to ADP
- Click on Myself > Benefits > Enrollments
- Click Report a Life Change > Report a change
- Select the life event reason
- Fill in required fields
You will be required to provide documentation to prove the date of the QLE. Please note all qualified life events (QLE) must be completed within 30 days of the event. Proof documents are official documents directly related to the event.
- Submit.
Benefits will review your elections and documentation. If your QLE has been accepted and approved you will receive a benefits confirmation email. If your QLE is rejected or further information is needed you will receive an email.
- Log in to ADP
- Click on Myself > Benefits > Enrollments
- Click Report a Life Change > Report a change
- Select the life event reason
- Fill in required fields
You will be required to provide documentation to prove the date of the QLE. Please note all qualified life events (QLE) must be completed within 30 days of the event. Proof documents are official documents directly related to the event.
- Submit.
Benefits will review your elections and documentation. If your QLE has been accepted and approved you will receive a benefits confirmation email. If your QLE is rejected or further information is needed you will receive an email.
- Log in to ADP
- Click on Myself > Benefits > Enrollments
- Click Report a Life Change > Manage
Adding dependents and beneficiaries does not automatically add them to benefit plans. If you need to add dependents to your plan please see “Add insurance coverage after a valid Qualifying Life Event (QLE) occurs”
2022-2023 Health and Welfare Policy Documents
Previous Years Health and Welfare Policy Documents
Questions about Chuze Benefits? Need help picking a plan? Claim Problems? Talk to a Benefits Advocate!
Your Benefits Advocates Center (BAC) can help you navigate the healthcare system and make the most of your health benefits. Use the BAC service to help you understand your coverage, assistance with picking a plan and support with billing and claims.
The Benefits Advocates Center service is in addition to the Chuze Benefits Team! BAC for Chuze employees is brought to you by our benefits broker Gallagher
Contact Information
Chuze Benefits Advocate Center (BAC)
- 833-266-2144
- bac.rachasincbenefitadvocatecenter@ajg.com
- Monday - Friday 8AM - 6PM Pacific Time