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Waive coverage

Follow these steps if your company is currently in open enrollment with Gusto and you want to opt out of 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.
  3. In the yellow box that says "Time-Sensitive Benefit Enrollments," 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 each form has been signed, click Confirm Enrollment.

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