Health and Welfare Benefits

Chuze Benefits.

Chuze offers a variety benefits to our eligible employees. Our health and welfare benefits goes 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!

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  • 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.

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)

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. 

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MDLive

Cigna medical plans are bundled with MDLIVE to offer employees the care they need - including most prescriptions - for a wide range of minor conditions via phone or video conference

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Qualifying Life Event (QLE)

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

    • Losing health insurance for any reason except not paying premiums
    • Losing eligibility (Medicaid, Medicare or a Children’s Health Insurance Program)
    • Turning 26 and losing coverage through a parent’s plan
    • Loss of job-based coverage (quit or fired)

Changes in household

    • Marriage, divorce or legal separation
    • Pregnancy, adoption of a child or any adding of dependents
    • Losing coverage due to a death in the family

Other qualifying events

    • Your spouse retires, which forces you to lose coverage
    • Your spouse changes jobs

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.

 

  1. Log in to ADP
  2. Click on Myself > Benefits > Enrollments
  3. Click Report a Life Change > Report a change
  4. Select the life event reason
  5. 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.

  1. 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.  

  1. Log in to ADP
  2. Click on Myself > Benefits > Enrollments
  3. Click Report a Life Change > Report a change
  4. Select the life event reason
  5. 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.

  1. 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.  

  1. Log in to ADP
  2. Click on Myself > Benefits > Enrollments
  3. 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”

**NEW** 2021-2022 HEALTH AND WELFARE POLICY DOCUMENTS

Your Benefits Advocate!

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)
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