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Change your Gusto benefits

If you or your dependent have a qualifying life event, and documentation for it, follow the steps below to change your insurance coverage. You must submit the change within 30 days of the event date. 

If you're enrolling as a new hire or during your open enrollment, follow the steps in this article instead. If your company offers benefits through another broker, contact your broker about making a change. 

Part 1: Tell us about your Qualifying Life Event 

  1. Sign in to your Gusto account.
  2. Head to the Benefits section.
  3. If you have active benefits, click Any major life changes? Update your benefits.
    • If you don’t have active benefits, scroll to the bottom of the page and click Add Coverage.
  4. In the drop-down menu, let us know the reason for changing your benefits. 
  5. Type the date of the event.
    • The carrier’s deadline to submit the change is 30 days after the event. 
  6. Click Add Proof to upload documentation of the event.
    • To approve the change, the carrier needs to review valid proof of the event. This can be a photo, screenshot, or copy that includes the date of the event.
  7. Click Select File, or drag and drop your file to upload.
  8. Click Continue.

The next page returns you to your benefits dashboard to continue making your change.

Part 2: Verify your personal info

  1. In the yellow sticky note on your dashboard labeled "Time-Sensitive Benefit Enrollments," click Enroll or Waive.
    • The next page lists the benefits that your company offers and the date that the change will be effective. 
  2. Click Get Started!
  3. Verify your personal info. 
    • If you’re waiving coverage for yourself or your dependents, you’ll do so on the next page.
  4. If you’re not adding a dependent with this change, click Save & continue.
  5. If you’re adding a dependent to coverage: 
    • Click Add dependent.
    • Fill out their personal information and click Save.
    • To add more dependents, click Add dependent again.
    • Click Save & continue.

Part 3: Make your enrollment changes

The next page lists each line of coverage your company offers. If you’re currently enrolled in anything, your plan name is listed.

  1. For each line of coverage you’re making changes to, click edit.
  2. Next steps depend on the change you’re making to this line of coverage: 
    • Add dependent(s): click the checkbox next to the name of each dependent you’re adding.
    • Remove dependent(s): click the checkbox next to their name to remove the checkmark. 
    • Choose a new plan: if your company offers other options, click Select on the plan you choose.
    • Keep your current plan: find the plan that already says “Selected,” then click Save & Continue.
    • Waive coverage altogether: scroll to the “Waive Medical Coverage” tile and click Waive.
  3. Click Save & continue
  4. Repeat for each line of coverage that you want to make changes to.
  5. Click Save & continue.
  6. Answer the questions on the “Add Extra Info” page.
    • If you're waiving coverage, the carrier needs the reason for waiving to verify that your company meets their participation requirements.
  7. Click Save & continue.

Part 4: Review and confirm your selections 

  1. Review each line of coverage to make sure your new enrollment details are correct. 
    • To change any enrollments, 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.

We'll prepare your paperwork and send your selections to the health insurance carrier. You can view the status of your enrollment from the yellow sticky note in your Benefits section. Once the carrier processes your coverage, they’ll issue you a member ID number send your ID card in the mail.

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