Enroll in or waive benefits

Depending on the type of enrollment window you're in, here's how much time you have to choose plans in Gusto. 

New hire enrollment

• You can start choosing plans as soon as your company admin finalizes your Gusto account.
• You have until 20 days after the coverage effective date to enroll.
  • Ex: say you were hired on January 3rd and your company's new hire waiting period is "First of the month following hire." Your benefits would start on February 1st and you have until February 20th to enroll. 

Open enrollment

• Open enrollment starts sometime close to your company's annual renewal date.
• You'll typically have about a week to choose your coverage.

Qualifying life event

• If you're not a new hire or in open enrollment, the insurance carriers only let you change coverage if you experience a qualifying life event (such as the birth of a child or getting married).
• You must submit your qualifying life event within 30 days of the event.

Step 1: Get started

1. Sign in to your Gusto employee account.
2. Go to the Benefits section. 
   • If you're an admin, make sure you’re in your employee profile. 
   • If you don't see this in your left menu, your company may not offer benefits through Gusto. Contact your employer for next steps.
3. In the tile at the top of your Benefits page, take a look at your selection deadline then click Enroll or Waive.
   • If you don't see this tile: your new hire enrollment or open enrollment deadline may have passed. Check the "Enrollment deadlines" section above or ask your company admin to verify your eligibility.  
4. Click Get Started! 

Step 2: Verify your personal info 

Verify your info for the insurance carrier’s records and enter your dependents’ info if you want to see pricing for them. If you’re waiving coverage, you’ll do so on the next page.

1. Verify your personal info. 
   • If anything is incorrect, reach out to your employer to make changes.
2. If you’re not adding a dependent with this change, click Save & continue.
3. If you’re adding a dependent to coverage, or just want to see pricing for them: 
   • Click Add dependent.
   • Fill out their personal information and click Save.
   • To add more dependents, click Add dependent again.
   • Click Save & continue.

The next page lists each type of benefit that your company offers. When you click Enroll or Waive, you’ll be presented with the plan options and pricing for each benefit.

Step 3: Choose or waive medical coverage 

1. On the Medical tile, click Enroll or Waive.
2. If you don’t want to enroll, scroll to “Waive Medical Coverage” and click Waive.
3. Indicate which dependents you’re enrolling in this plan. 
   • Check the box next to each dependent you’re enrolling. 
   • Click the box again to uncheck it and exclude that dependent from this plan. 
4. Review all the plans on this page and take your time to consider which benefits and premiums will be the best fit for you for the next year. 
   • Want help figuring out which plan is best for you? Check out this video where we cover the differences between plan types, common insurance terms, and few examples with different people and the plan that best fits their situation.
   • Cost: “Your cost” is the amount that’ll be deducted from each of your paychecks. Hover over the “i” icon to see the total monthly premium cost and what portion your company’s paying. 
   • Coverage: click View full plan details to review each plan’s Summary of Benefits (SBC). This’ll help you understand how much you’d pay for common services you may need in the next year. If you need more info, check out our guide to your SBC or call the carrier’s member service department. 
5. Click Select on the plan you decide on.
6. Click Save & continue.

Step 4: Choose or waive the remaining lines of coverage

1. If your employer offers other types of benefits, click Enroll or Waive and repeat the above steps for each. 
   • Short-term disability, long-term disability, and life insurance: the insurance carrier automatically enrolls you in these plans because your company pays 100% of the premiums. Dependents aren’t eligible to enroll. 

Step 5: Review your selections and understand the cost summary 

1. Once you’ve enrolled in or waived each line of coverage, check that each line of coverage reflects your choices. 
   • Click View Enrollees for each benefit to see who’ll be enrolled in the plan. 
2. Review the cost summary.
   • “Total Cost of Benefits:” the total premiums per pay period for each line of coverage you selected and each dependent you enrolled (if any). 
   • “Employer’s Contribution:” the portion of the total cost that your company is paying for you each pay period. 
   • “Your total cost:” the amount that will be deducted from each of your paychecks. Hover over this number to see your company’s pay period schedule.
3. Click Save & continue.

Step 6:  Add waiver reasons and extra info   

4. Answer the questions on the “Add Extra Info” page.
   • If you're waiving coverage, the insurance carrier needs the reason to verify that your company meets their participation requirements. Check out the "Waive coverage" section of this article for more info. 
5. Click Save & continue.

Step 7: Review and confirm your selections 

1. Review each line of coverage and make sure your plan choices and dependent enrollments are correct.
   • To change anything, scroll to the bottom of the page and click Back.
2. Scroll to “Forms you need to sign.”
3. Click Sign form beside each form.
4. To review a form, click on its name to open it in a new tab.
5. Draw your name in the signature field and check the box where it says "I agree to electronically sign this form." 
6. Click Sign. 
7. Once you've signed each form, click Confirm Enrollment.

What comes next

• Submission to the carrier:
  • If Gusto's your broker, we'll prepare your paperwork and send your selections to the health insurance carrier.
  • If your company uses the broker integration, we'll notify your broker to submit your selections to the health insurance carrier. 
• Enrollment status: You can view the status of your enrollment from the sticky note in your Benefits section.
• Member ID and accessing care: Once the carrier processes your coverage, they'll mail you your member ID card. If you need to go to the doctor before your ID card arrives, check out this article.

Follow these steps if your company is currently in open enrollment with Gusto and you want to opt out of coverage. Your company needs you to sign a waiver in Gusto because the insurance carriers keep track of waiver reasons to determine your company’s eligibility for coverage. 

If your company is not in open enrollment but you've experienced a Qualifying Life Event, follow these steps instead to waive coverage.

1. Sign in to your Gusto account.
2. Go to the Benefits section.
   • If you don't see this in your left menu, your company may not offer benefits through Gusto. Contact your employer for next steps. 
3. In the tile at the top of your Benefits page, take a look at your selection deadline then click Enroll or Waive.
4. The next page lists the benefits that your company offers and the date coverage would begin. Click Get Started! 
5. Verify that your personal info is up to date. If it's incorrect, reach out to your company admin to make changes before you continue. 
   • If you want to see pricing for dependents before you waive, click Add dependent and enter their personal info. You can still waive coverage in the next steps.
6. Click Save & Continue.
7. The next page lists each benefit that's available to you. Click Enroll or Waive for the first benefit you're waiving.
   • If your company offers life or disability coverage, all employees are automatically enrolled because the company covers 100% of your premium for this benefit.  
8. Scroll to the bottom of the benefit's page and click Waive, then Save & continue.
9. Once you've waived each benefit, click Save & Continue.
10. Answer the questions on the “Add Extra Info” page.
    • The carrier needs the reason you're waiving to verify that your company meets their participation requirements.
11. Click Save & Continue.
12. Review each line of coverage to make sure your selections are correct. 
    • To change any enrollments, scroll to the bottom of the page and click Back.
13. Scroll to “Forms you need to sign" and click Sign form beside each form.
    • To review the form, click its name to open it in a new tab.
14. Draw your name in the signature field and check the box where it says "I agree to electronically sign this form." 
15. Click Sign. 
16. Once you've signed each form, click Confirm Enrollment.