How Can Employees Waive Employer-Sponsored Reimbursement or Insurance Coverage Through Take Command?
Waiving employer-sponsored benefits through Take Command means formally opting out of receiving reimbursements or insurance-related contributions for the rest of the calendar year. Below is a step-by-step guide to understanding and completing the waiver process, along with key information about its implications.
What Does Waiving Coverage Mean?
Waiving coverage implies that you are declining reimbursement from your employer for qualified healthcare expenses for the applicable plan year. It is a significant decision that prevents you from accessing these funds later in the year. If you are sure you do not wish to be reimbursed, follow the procedures outlined below.
Steps to Waive Employer-Sponsored Benefits
Follow these instructions to waive your employer-sponsored reimbursement or insurance coverage:
1. Log In to Your Member Portal
Visit the Take Command platform (HRA Hub).
Use your credentials to log in. If you've forgotten your password, use the password reset option to regain access to your account.
2. Access the Waiver Option
Once logged in, completing the waiver depends on where you are in the onboarding process:
During Onboarding: Click on the "I Want to Shop" button. Locate the waiver option at the bottom of the page and follow the prompts to complete your waiver.
After Onboarding: Navigate to the "Health Insurance" tab in your portal. Click on the "Shop Insurance Plans" button to access onboarding steps again. Then select the "I Want to Shop" button to locate the waiver option at the bottom of the page and complete your waiver.
3. Administrator Assistance (If Necessary)
If you're unable to log in or complete the waiver yourself, an administrator can waive the coverage on your behalf. This requires: Additionally, administrators must ensure that waiver forms are fully completed and submitted by the 24th of each month to align with billing cycles. Proper documentation, including notifying employees and retaining signed waiver records, is crucial for compliance. Following the platform transition to HRA Hub, waiver forms submitted in older systems are no longer valid. Administrators must ensure that employees log in to the HRA Hub to complete the waiver process manually. Any reset of accounts or plan uploads should be addressed promptly to comply with current requirements.
Filling out an official online waiver form.
Attesting that the required employee notices were provided.
Keeping records of the signed waiver for compliance purposes.Administrators handling bulk waiver submissions should download and use the Bulk Waiver Spreadsheet Template where applicable, ensuring all employee-related details and waiver reasons are accurately captured before submission.- Submitting the completed documentation by the 24th of the month to avoid billing employees who waived coverage.- Ensuring that any updates required by the HRA Hub platform migration, including the invalidation of older forms, are addressed. Employees need to complete waivers directly in the HRA Hub.### Common Issues and Troubleshooting
Missing Waive Option
If the waive action isn’t available for an employee, it might be due to one of these reasons:
The employee hasn’t completed their initial welcome email and first login. In such cases:
Instruct the employee to log in and finish their onboarding process.
Once onboarding is complete, the employer or the employee can proceed with waiving coverage.
Platform-Specific Waiver Issues
Following the platform migration to the HRA Hub:
Waivers must now be completed manually by employees directly within the HRA Hub.
Pre-submitted waiver forms from previous platforms are no longer valid. Employees need to reset their account if necessary (e.g., a plan has been selected or a document uploaded) and complete the waiver in the enrollment steps.
Important Considerations
Roster Inclusion: Waiving coverage does not mean you are removed from the company's roster. Only your employer can make changes to the employee roster. However, staying listed ensures accurate end-of-year reporting.
Existing Insurance: If you have other forms of coverage, such as Medicare with TRICARE as a secondary insurance, you can waive the employer's reimbursement if you do not wish to utilize it for your premiums or other eligible expenses.
Annual Commitment: Choosing to waive applies for the entire plan year and cannot be reversed until the following year. Ensure that you understand the long-term implications before proceeding.- Bulk Waiver Guidelines: When managing waivers for multiple employees, consider using approved bulk processes to increase efficiency and minimize errors.- Timing and Billing Cycles: Waivers submitted on or after the 24th of the month may result in the employee being billed for the subsequent cycle. Always adhere to the deadline to ensure accurate billing.- HRA Hub Migration: All waivers must now be processed directly on the HRA Hub platform. Pre-submitted waiver forms from older systems are no longer valid. Employees and administrators should follow updated instructions for onboarding and waiver processing.### Managing Enrollment Links
Sending and Resending Links to Employees
Administrators can send or resend enrollment links as follows:
Navigate to the Admin Portal and locate the “People” table.
Use the search bar or scroll to find the desired employee.
Click the employee’s name to open their profile.
Select “Send Sign-Up Link.”
A confirmation message will appear if the link is successfully sent.
Note: If the employee has already signed up, this option will not be available. In the Users section, administrators can also:
Select one or more users.
Open the Actions menu and choose “Send Sign-Up Link.” This action emails a Get Started link to employees, allowing them to create a password and log into the portal.
Automatic Enrollment Link Sending
Enrollment emails are automatically sent when employees become eligible for onboarding. This feature ensures timely distribution of sign-up links without manual intervention.
Summary
Waiving employer-sponsored coverage through Take Command is a straightforward but impactful decision. By logging in to your member portal and following the outlined steps, you can complete the waiver without hassle. If you're unsure about whether waiving is appropriate for your circumstance, consider consulting with a benefits advisor or your employer’s administrator. For additional information or troubleshooting assistance, refer to your platform documentation or contact support.