Manage employee eligibility

The Thatch dashboard is where you’ll invite new hires and offboard employees who become ineligible for benefits.

Add and invite new hires

You determine the waiting period for benefits eligibility and use Thatch to schedule benefits invitations and enrollment windows. How you add employees depends on your setup.

• Manually managed: From the Employees page, click Add employee, then enter and save their information.
• Payroll-connected: Thatch syncs new hires automatically within 24–48 hours. Once a new hire syncs, you can invite them to enroll.

Invite employees by selecting them on the left of the employee table and clicking Invite selected. Schedule their invite using the appropriate waiting period and enrollment window.

Anyone who hasn't enrolled or declined by the end of that window automatically gets a five-day extension, during which Thatch continues sending reminders.

Individual health coverage begins on the first of the month after an employee selects and confirms a plan, and coverage dates can't be backdated except in a few specific cases. The Affordable Care Act (ACA) mandates that employees have access to coverage no greater than 90 days from their hire date as an eligible employee.

See Invite employees to Thatch for a full guide to inviting employees, selecting enrollment windows, and understanding coverage start dates.

Offboarding ineligible employees

To end Thatch benefits for former or ineligible employees, follow the process below to offboard them in Thatch. Before beginning the process, be sure to know:

• Employee's last day of eligibility or employment (not the last day of the month)
• Employee's personal email address; offboarding communications are sent here if provided
• Whether your company is subject to Consolidated Omnibus Budget Reconciliation Act (COBRACOBRA A federal law that allows employees to temporarily continue employer-sponsored health insurance after leaving a job, reducing work hours, or experiencing other qualifying events. Employees typically pay the full premium cost plus an administrative fee.); you'll self-attest during the offboarding flow

caution

To ensure you do not pay for an extra month of coverage: schedule employee offboarding as soon as you know their last day of employment or benefits-eligibility.

On the employee's benefit termination effective date, Thatch automatically sends the employee an offboarding email, which includes their COBRACOBRA A federal law that allows employees to temporarily continue employer-sponsored health insurance after leaving a job, reducing work hours, or experiencing other qualifying events. Employees typically pay the full premium cost plus an administrative fee. election notice if you’ve indicated they should receive one.

Thatch also disables the payment methods associated with the employee’s Thatch membership as soon as their last month of coverage is paid. Insurance coverage remains active through the end of the month in which the employee is offboarded. For example, if an employee becomes ineligible July 4th, their coverage extends to July 31.

Manual roster offboarding

1. Log in to the Thatch dashboard.

2. Go to the Employees section.

3. Click Offboard employees.

4. Select each employee you wish to offboard, then click Continue.

5. Review the information for each employee you selected, including:

   • Final day of employment: past or future dates are both fine. This should be the employee's last effective employment date.
   • COBRACOBRA A federal law that allows employees to temporarily continue employer-sponsored health insurance after leaving a job, reducing work hours, or experiencing other qualifying events. Employees typically pay the full premium cost plus an administrative fee. eligibility: see COBRA administration for more information.
   • Personal email: if it's not pre-filled, add it now.

6. Once the information is correct, click Next.

7. Review one more time, then click the Offboard employee button.

tip

Schedule employee offboarding in Thatch as soon as you know their last day of eligibility to reduce the probability of paying premiumspremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month. for the upcoming month.

Payroll-connected offboarding

If you've connected your payroll system, Thatch automatically flags employees who have or will become inactive in your payroll system. You'll see a notification badge on the Employees page showing how many employees need attention, along with the option to review and offboard each.

warning

Payroll deactivation isn't the same as offboarding in Thatch — you must confirm in Thatch that the employee is no longer benefits-eligible. Schedule employee offboarding in Thatch as soon as you know their last day of eligibility to reduce the probability of paying premiumspremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month. for the upcoming month. You do not need to wait until they are deactivated in your payroll system.

1. Log in to the Thatch dashboard.

2. Go to the Employees section.

3. Click Offboard employees.

4. Select each employee you wish to offboard, then click Continue.

5. Review the information for each employee you selected, including:

   • Final day of employment: past or future dates are both fine. This should be the employee's last effective employment date. It will be prefilled with the effective date of the termination pulled from your payroll system.
   • COBRACOBRA A federal law that allows employees to temporarily continue employer-sponsored health insurance after leaving a job, reducing work hours, or experiencing other qualifying events. Employees typically pay the full premium cost plus an administrative fee. eligibility: see COBRA administration for more information.
   • Personal email: if it's not pre-filled, add it now.

6. Once the information is correct, click Next.

7. Review one more time, then click the Offboard employee button.