Worker Benefits

What benefits are you eligible for at Spur?

All Spur workers are eligible to enroll in the following benefits after onboarding and completing their first job on the platform, during open enrollment, or at the time of a qualifying event:

  • Limited Medical
  • Dental
  • Vision
  • Short-Term Disability
  • Term Life
  • Pre-Tax Spending
  • Paycard
  • Perks

You have 30 days after working your first job on Spur to enroll in benefits. If you do not enroll in benefits within those 30 days, then you will not be able to enroll in benefits until an open enrollment or a qualifying event occurs.

How do you enroll in benefits at Spur?

To enroll in benefits on Spur, visit our online benefits portal (your login credentials are the same as the Spur mobile app). After logging in, you will be able to perform the following actions:

  • Review applicable benefit offerings
  • Enroll in or waive benefits coverage
  • Update or change benefits coverage

How quickly do you have benefit coverage after enrollment?

If you enroll in a limited medical, dental, or short term disability/term life plan, the first benefit deduction will occur on the pay period following the week you enrolled and your benefit coverage will start on the Monday of the first benefit deduction.

For example, if you enroll in the limited medical plan on Tuesday, August 27, then the first benefit deduction would occur on Friday, September 6 and your benefits coverage would start on Monday, September 2nd.

If you enroll in the vision plan, the first benefit deduction will occur on the second pay period following the week you enrolled and your benefit coverage will start on the first day of the month following the month of enrollment.

For example, if you enroll in the vision plan on Tuesday, August 27, then the first benefit deduction would occur on Friday, September 13 and your benefits coverage would start on Sunday, September 1.

If you enroll in the major medical plan, the first benefit deduction will occur on the second pay period following the week you enrolled and your benefit coverage will start on the 31st day following the date of enrollment.

For example, if you enroll in the major medical plan on Tuesday, August 27, then the first benefit deduction would occur on Friday, September 13 and your benefits coverage would start on Friday, September 27.

If you enroll in the major medical plan and want benefits coverage to go into effect immediately upon working your first day on Spur, then you must indicate the intent to pre-pay for immediate benefit coverage through the online benefits enrollment portal and mail Spur a check or money order for the entirety of the monthly premium amount and ensure it’s received within seven days of enrolling in the major medical plan. If Spur does not receive a check or money order for the entirety of the monthly premium amount within seven days of you enrolling, then you will not have benefits coverage go into effect until the 31st day following the date of enrollment. Checks and money orders should be made out to Spur Employment, Inc. and mailed to Spur c/o Benefits Administrator, PO Box 107, Huntsville, AL 35804.

How much do benefits cost at Spur?

To review the cost of benefits at Spur, visit our online benefits portal.

Do you lose coverage if you are unable to cover the cost of benefits through a payroll deduction?

If you are enrolled in one of the limited medical plans and miss a payment, you will lose benefit coverage just for the week(s) of the missed payroll deduction unless you pay the limited medical plan provider directly within 45 days or until you are able to cover the cost of the weekly premium through a payroll deduction. After 12 consecutive weeks of nonpayment, you will no longer have benefits coverage until an open enrollment or a qualifying event occurs.

If you are enrolled in the major medical plan and miss a payment, you will no longer have benefits coverage as of the Friday of the missed payroll deduction until an open enrollment or a qualifying event occurs.

If you anticipates not being able to work enough hours to cover the cost of a weekly premium through a payroll deduction, then you can prepay the weekly premium by adhering to one of the following payment methods:

  • Mail Spur a check or money order for the weekly premium amount and ensure it’s received by the Friday of the missed payroll deduction. Checks and money orders should be made out to Spur Employment, Inc. and mailed to Spur c/o Benefits Administrator, PO Box 107, Huntsville, AL 35804.
  • Request two weeks in advance of the anticipated date of the missed payroll deduction that Spur deduct multiple weeks worth of weekly premiums from the payroll immediately prior to the anticipated date of the missed payroll deduction.

If you do not prepay the weekly premium for an anticipated missed payroll deduction, your major medical plan benefits will be terminated effective the Friday of the missed payroll deduction.

If you lose major medical plan benefits coverage due to a missed weekly premium, you will become eligible to enroll in one of the limited medical plans. In this instance, you will have 30 days after losing major medical benefits coverage to enroll in one of the limited medical plans.

If you are enrolled in the vision plan and miss a payment, you will no longer have benefits coverage as of the last date of the month of the missed payroll deduction until open enrollment or a qualifying event occurs.

If you anticipates not being able to work enough hours to cover the cost of a weekly premium through a payroll deduction, then you can prepay the weekly premium by adhering to one of the following payment methods:

  • Mail Spur a check or money order for the weekly premium amount and ensure it’s received by the Friday of the missed payroll deduction. Checks and money orders should be made out to Spur Employment, Inc. and mailed to Spur c/o Benefits Administrator, PO Box 107, Huntsville, AL 35804.
  • Request two weeks in advance of the anticipated date of the missed payroll deduction that Spur deduct multiple weeks worth of weekly premiums from the payroll immediately prior to the anticipated date of the missed payroll deduction.

If you do not prepay the weekly premium for an anticipated missed payroll deduction, the Spur worker’s vision plan benefits will be terminated effective the last date of the month of the missed payroll deduction.

How do workplace contributions impact the weekly premiums that you owe for benefits?

If you work at a workplace that offers a workplace contribution, then your weekly premium will be adjusted to reflect the difference of the weekly premium minus the workplace contribution.

If you work at multiple workplaces that offer a workplace contribution, then your weekly premium will be adjusted to reflect the difference of the weekly premium minus the workplace contributions. If the amount of the workplace contributions exceeds the amount of the weekly premium, then you will not owe a weekly premium.

If you work at a workplace that currently provides a workplace contribution toward benefits to lower the cost of your weekly premiums and you decide to switch workplaces, then the workplace contribution that you are currently receiving will no longer be applied toward the cost of the your weekly premiums and you will be responsible for covering the entire cost of the weekly premium unless the new workplace is also providing a workplace contribution; in which case, the new workplace contribution would be applied toward the cost of your weekly premiums and you would be responsible for covering the remaining cost of your weekly premiums.

What counts as a qualifying event for benefits enrollment?

Spur workers can only enroll in benefits outside of regular enrollment, which is the first 30 days after you complete your first job on the platform, during open enrollment, which is a predesignated period of time for enrollment each year, or after a qualifying event has occurred. The following situations are considered qualifying events:

  • Marriage
  • Divorce or separation
  • Birth or adoption of child
  • Loss of coverage due to involuntary loss of employment
  • Loss of coverage due to reduction in hours worked
  • Eligibility for benefits due to increase in hours worked
  • Eligibility for Medicare, Medicaid, or Children’s Health Insurance Program (CHIP)
  • Relocation to the USA as a permanent resident
  • Court order
  • Other

In addition, the qualifying event must have happened within the past 30 days in order to enroll in benefits.


If you need care prior to receiving your ID card, please have the medical provider contact Reliance’s customer service department  (866) 375-0775 to obtain a verification of benefits.-

To contact Express Scripts for questions about prescriptions, please call the customer service number at  (866) 282-1491.  If you find yourself at the pharmacy without your prescription ID card, the pharmacist is able to look you up in the system using your SSN and the following information;
Plan Carrier:      Express Scripts
Rx BIN:               003858
Rx PCN:             A4
RX GRP:            AS4A

Please note: When you change workplace on Spur, this does not count as a qualifying event.

The Reliance provider’s contact number is 1-866) 375-0775 
The VSP provider’s contact number is 1- (866) 628-5661.