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2019 Health Plan Information

Group Benefit Highlights:

  • For new hires: Benefits are effective the 1st of the month following 60 days of employment.
  • Open Enrollment is offered once per year for employees to add, make changes to, or cancel benefits.
  • Outside of Open Enrollment, changes to the plan can only be made within 30 days of a qualifying family status change (marriage, divorce, the birth of a child, etc.).
  • Full-time employees working a minimum of 30 hours per week are eligible to enroll.
  • When you enroll in a plan, premiums are automatically deducted from your paycheck pre-tax, on or after your effective start date of benefits.
  • IMPORTANT:  Insurance coverage is subject to termination for employees that go 30 days without paying premiums via payroll.

How To Enroll:

TargetCW employees will use PlanSource to manage their benefit selections. This system allows you to sign up for benefits and even review your elections at any time.

* Please note, there is a waiting period for enrolling in benefits. You will not be able to login to the benefits portal until the  first week of the month following 30 days of employment. At that time, you will receive an email from our benefits department with login information and directions. If you’re eligible for benefits and do not receive an email, please contact

  1. Please visit
  2. Enter your username and password.
    Username: the first initial of your first name, the first six characters of your last name, and the last four digits of your Social Security number
    Password: your date of birth in a number format without any punctuation, starting with the year you were born, then the month and then the date (YYYYMMDD)
  3. Follow the prompts to walk through your enrollment.

For our brochure listing or plan options please email

To find providers in your area please use our Provider Locator


TargetCW offers full coverage EPO and PPO plans through Cigna. This plan satisfies the requirement of Minimum Essential Coverage and Minimum Essential Value under the Affordable Care Act. Cigna plans offer co-payments for doctors’ visits and prescriptions, while also offering an out of pocket maximum so employees can have peace of mind in the event of a serious illness or accident.

You can create an account at to print forms/order ID cards, view claims, and coverage, and locate providers.

Call a Cigna One Guide representative during pre-enrollment and after enrollment to get personalized and useful guidance at 888-806-5042.


Have Questions?

Please Call (858) 810-3000 or email us at


Setup a TargetCW 401k retirement savings plan with The Nationwide Retirement Innovator program through Nationwide Financial ( Your 401k plan allows for pre-tax deductions to be made from your paycheck and invested in one or more of the 49 investment funds.

  • Enroll anytime after 60 days of employment with TargetCW.
  • Pre-tax deductions begin the first of the quarter after the application is received.
  • No minimum hours per week required.
  • $500 bonus! Click here for more details.
  • Enrollment case number: 361-80417

*TargetCW pays all but the “fund fees” charged by various funds and fund companies. We cover enrollment fees, statement fees, online fees and most of the other costs many employers pass on to their workers. Sign up and start saving today!

401(k) Highlights:

  • Participants can defer up to 90% (after applicable taxes) of their salary to a maximum of $19,000 per year or $25,000 for employees over the age of 50 (deferral amounts may change, amounts are as of 2019). (NOTE: Participants earning $125,000 or more annually may not be eligible for the full $19,000/$25,000 deferral due to IRS restrictions. Contact your benefits administrator for information).
  • TargetCW’s 401(k) plan provides access to 49 investment funds with 9 destination funds. These funds range from conservative to aggressive growth funds.
  • Experienced investors may gain access to self-direct their investments through a brokerage account at TD Ameritrade.
  • Complete access to your account: complete exchange transactions via the web or phone.
  • Plans are transferable.
  • TargetCW’s 401(k) plan is under a group umbrella that allows for maximum investment flexibility. (Administrative services provided by Innovative Pension).

TargetCW has teamed up with Seaside Financial & Insurance Services to give employees access to a team of financial professionals. They are available to help explain the investment options within the 401(k) plan.

Recognizing every person has a unique financial situation, Seaside welcomes the opportunity to work with you on an individual basis. If you require more than just general advice about the 401(k) plan, please schedule a consultation by emailing or call 760-433-4632.

Contact Info:
Kornerstone, Inc.
1811 Concord Ave., Suite 130
Chico, CA 95928
(530) 343-4015


Already Enrolled?

Once you are enrolled in the Nationwide 401k plan, accessing and making changes to your account online is easy!

In your Nationwide online account you can:

  • View your balance
  • View transactions
  • Change your address
  • Change your weekly deferral
  • Make changes to your investment options
  • And more!

Click here to set up your Nationwide Online Account today!
TargetCW Case Number: 361-80417
Questions? Reach out to the TargetCW benefits team:

Flexible Spending Account

Flexible Spending Accounts

How they work and why you want to participate

A Flexible Spending Account (125 FSA) allows you to set aside pre-tax dollars from your paycheck to be used for paying out of pocket for eligible health and dependent care expenses which lowers your taxable income and increases your take home pay because contributions you make to your 125 FSA are not reported as income to the IRS.

Eligibility Requirements

  • Enroll by the 1st of the month following 60 days of employment during your enrollment period (or during annual Open Enrollment)
  • Must be an active, full-time worker working a minimum of 30 hours per week

How the Plans Work

You determine the annual amount of your contributions to a plan for the plan year.  When you have eligible expenses, you pay them from your account(s) through your Benefits Mastercard or pay out-of-pocket and submit a claim for reimbursement.

Medical FSA

This benefit can be used to pay out of pocket for doctor co-pays, deductibles, hospital fees, lab fees, contact lenses, contact solutions, braces, and even cold medicine.  Click here to view a list of Eligible Medical Care Expenses governed by federal regulations.  You may contribute up to $1,500 pre-tax per year.

 Dependent Care FSA

This benefit is designed to help you pay for eligible expenses you incur for childcare, or for the care of a disabled dependent, while you work or attend school.  Childcare expenses may include day care, nursery school costs, or after-school programs. You may contribute up to $5,000 pre-tax per year.

Benefit Card

If you enroll in a FSA, a benefit card will be mailed to you from PlanSource and you will use this card to make payments.  Please remember that if you make a payment and forget to use your Benefits card, be sure to save your receipts just in case PlanSource requests a copy for verification and reimbursement purposes.

  • All receipts should be itemized to reflect what product/ service was paid for.

Important Notes

 How Much to Elect?

  • We encourage you to plan ahead to make the most of your FSA dollars. It is important to elect your annual contribution amount carefully as any unclaimed funds in your account after the plan year and/ or after your engagement ends will be forfeited per IRS regulations.
  • You can only change FSA amounts during Open Enrollment or within 30 days of a Qualified Life Event.


  • You must be an active worker and re-enroll in the FSA plan each year during Open Enrollment. Your FSA enrollment will not automatically rollover.
  • Any monies left in the Health Care Flexible Spending Account on December 31 of each plan year will be forfeited, except for $500 that can be carried over into the next Plan Year only if you re-enroll.

What Happens After My Engagement Ends?

  • Medical and/or Dependent Care FSA claims may be submitted up to 60 days following your termination date, however the dates of service on all claims/ receipts must be prior to your date of termination.  If you do not elect to continue Medical Care FSA through COBRA, any unused funds remaining in your account after your date of termination and/ or after the plan year are forfeited per IRS regulations. 
  • Dependent Care FSA is not eligible to be continued on COBRA as it is not a group health plan.

FSA Plan Resources and Information

TargetCW’s FSA plans are administered by PlanSource.  All materials are available on PlanSource’s website such as an FSA Guide which includes lists of eligible items, information about how to contact PlanSource, how to file a claim online or where to mail or fax a claim, etc.


PlanSource also offers a FREE, mobile app available on your Apple or Android devices, My Benefits Accounts!


For more plan information and details, click here.

Enroll Now

529 Plan

This plan allows TargetCW employees to setup an account for themselves or anyone, in order to save for higher education expenses through a tax-advantaged account which invests in mutual funds. TargetCW’s plan is called CollegeAmerica, with 20 investment options through American Funds (

  • Enroll anytime after 60 days of employment with TargetCW.
  • Deductions begin the first of the quarter after the application is received.
  • No minimum hours per week required.

529 Plan Highlights:

  • Save for college or further education and use your investment to pay for tuition, room and board, books, supplies, and many other fees and expenses.
  • Participant’s contributions are made after-tax dollars, but there is no federal tax on the investment earnings withdrawn and used for higher education expenses.
  • Plan allows for contributions from anyone to be invested into the participants account.
  • No income limits are placed on the participant. Lifetime maximum contribution is $350,000 and there is no annual contribution limit.
  • No enrollment fees, but some funds may charge a small administrative fee.
  • Plans may be transferred to another 529 plan by the participant.


Mail applications to:

Seaside Financial and Insurance Services

2032 Corte del Nogal, Suite 100

Carlsbad, CA 92011

Auto & Home

MetLife Auto & Home is a voluntary group auto and home benefit program that provides you with access to insurance coverage for your personal insurance needs. Policies available include: auto, home, landlord’s rental dwelling, condo, mobile home, renters, recreational vehicle, boat, and personal excess liability policies. Now, just for being an employee of a participating group, you can get special group discounts on auto and home insurance from MetLife Auto & Home®

  • Automatic payment discounts of up to 10%
  • Savings when you insure both your auto & home
  • Call 1 800 GET-MET 8 to sign up today!

Commuter Benefits Program


Commuter Benefits Program

How it works and why you want to participate

TargetCW is pleased to offer our employees this pre-tax benefit for the purchase of various public transportation and commuter products.  Employees nationwide are taking advantage of a federal law designed to encourage the use of public transportation. This law allows employees to reduce their commuting costs by using tax-free dollars from your paycheck (subject to monthly limits) to pay for Mass Transit and Parking fees. Taking public transportation, using vanpools, or bicycling can not only save you money, but it also dramatically reduces your environmental impact. Commuter benefits can help you do your part in an easy and low-cost manner!

How the Plan Works

  • You determine the monthly contribution amount to a plan. When you have eligible expenses, you pay them from your account(s) through your Benefits Mastercard or pay out-of-pocket and submit a claim for reimbursement.
  • When you enroll for transit or parking benefits, TargetCW will deduct the total amount pre-tax from your first or second paycheck of the month after enrollment. Deductions will always be made one month in advance so it’s like pre-paying for the benefit.

Commuter Benefits Program Highlights

  • The IRS max pre-tax limits per month for 2019 are $265 for transit and $265 for parking.
  • You can elect both transit and parking benefits up to $265 by filling out a separate enrollment form for each one.

Benefit Card

  • Within 10-14 days after enrollment, you will receive a debit card from PlanSource to the address listed on your Commuter Benefits Program Enrollment Form. Funds will be loaded onto this card for both transit and parking expenses.  If your transit provider or parking facility does not accept debit card payments, you may pay out of pocket and submit a reimbursement request online or by using their free, mobile app on your phone, My Benefits Accounts!
  • If you also have a Flexible Spending Account with TargetCW, your funds will be placed on the same debit card for easy access.

Need To Cancel or Change Your Contribution?

If you need to make changes to your monthly contribution or to cancel your enrollment, please contact to make those changes for you.

What Happens After My Engagement Ends?

Any unused funds reported to PlanSource and/ or any remaining balances in your account will be forfeit by the employee per Section 1.132-9(b) Q&A 14(d) of the IRS regulations.

Commuter Benefits Program Resources And Information

TargetCW’s Commuter Benefits Plan is administered by PlanSource.  All materials are available on PlanSource’s website such as how to contact PlanSource, how to file a claim online or where to mail or fax a claim, etc.

PlanSource also offers a FREE, mobile app available on your Apple or Android devices, My Benefits Accounts!

Enroll Online

Atlanta Commuter Benefits Program

For Atlanta employees: we are now offering discounted MARTA, Cobb Community Transit, Gwinnett County Transit, and GRTA transit passes through Midtown Alliance.

  • Please note that these Commuter Benefits follow the same pre-tax limits and enrollment deadlines as PlanSource.
  • TargetCW will send you a new Breeze Card that will be automatically loaded with the product(s) of your choice each month. Please note that only the MARTA Calendar Monthly Pass will roll over each month.

Atlanta Commuter Benefits Program Resources:
This benefits plan is administered by Midtown Alliance. All materials, such as more information about the program, are available on Midtown Alliance’s website.

Enroll Online

Please review our plan documents for your reference.
Transit Pass Program Summary

TargetCW PayCard

TCW PayCard

TargetCW is pleased to offer the rapid! PayCard. You can have your paycheck automatically deposited to the PayCard, giving you instant access to your money the morning of every payday.

PayCard Highlights:

  • Get your money sooner—access your money right away on payday
  • No cost to enroll and no credit check required
  • Use it at ATMs as a debit card to access your cash
  • Use it wherever Debit MasterCards are accepted
  • Payments received onto your rapid! PayCard can be transferred via ACH into your other traditional bank accounts
  • Ability to open a Savings Account
  • Cash Back Rewards
  • Bill Pay can be used online or by phone
  • Bilingual Customer Service
  • Mobile App

Enroll Online



Charitable Match (Giving Together)

Giving Together

TargetCW encourages our workers to make charitable donations. We now support their efforts by matching contributions to all certified 501(c)(3) nonprofit organizations. Pick your favorite charity and get the most out of your donation with our Giving Together program.

TargetCW will match dollar for dollar up to $5,000 to all 501(c)(3) nonprofit organizations. TargetCW workers must be employed for at least 60 days to qualify. All you have to do is fill out the Giving Together Form, upload a receipt of your donation, and TargetCW will match your contribution. Contributions must be made during the current calendar year in order to be eligible for TargetCW’s match. Thank you in advance for helping us in the most rewarding aspect of our business!

Community/Charitable Works

TargetCW supports charitable donations and works from our internal employees and our clients’ payrollees. We believe in assisting great causes and pledge to donate a portion of our profits every quarter to various non-profit organizations.

Adopt a Pet

Adopt a Pet

Did you know that approximately 4 million adoptable dogs and cats are killed each year due mainly to overpopulation? Adopting a pet is a loving option because you have the opportunity to save a life. Additionally, animal shelters usually examine and give vaccinations to animals and adopting can be a great cost-saving measure. That’s why TargetCW has partnered with to pay up to $100 of your pet adoption fee!

Getting reimbursed is simple! Just fill out our form below and make sure to attach your receipt.

Get Reimbursed

Please note:

  • You must be employed for 60 days to qualify
  • The pet must come from a legitimate shelter/foster/rescue organization and not be a breeder or other business selling pets that have been bred for profit

Check out Adopt-a-Pet’s blog posts about TargetCW! We Love Pet-Friendly Employers!, TargetCW advocates for dogs at work & How One Company Encourages Pet Adoption!

Pet Insurance Discount


TargetCW is now offering one month of FREE* pet insurance when you enroll with Healthy Paws to help you care for your four-legged family members.

We have recently partnered with Healthy Paws to offer TargetCW employees affordable pet insurance at a discount. See plan details.

Please note:

  • *TargetCW will reimburse one month of your pet insurance premium up to $50
  • You must be a full-time employee and have been employed for 60 days to qualify
  • One reimbursement per household every 12 months
  • Pet insurance coverage must be through Healthy Paws

Receive a quote from Healthy Paws and enroll in a discounted pet insurance

Get Reimbursed

Entertainment Services

Fun Express

Fun Express Discounts

Entertainment & Service discounts include Disneyland, Sea World, Knott’s Berry Farm, Universal Studios, and AMC Theaters. Please visit to register. Once registered, you will be able to see all of the discounts provided on tickets. Tickets are shipped directly from the website when purchased.

  • Go to:
  • Click on the registration tab to register as an employee of TargetCW
  • Employee Activity Code (EAC) assigned to TargetCW: 14-42014

For our employees who live outside the Southern California area, please list the TargetCW corporate address in order to receive discounts. If the service requires paper tickets to be mailed, we will gladly forward any tickets that arrive at our office.

Our corporate address is:
9475 Chesapeake Drive
San Diego, California 92123


Working Advantage

Working Advantage Discounts

TargetCW is excited to bring a world of employee savings through Working Advantage. This is your exclusive one-stop shop for discounts to movies, shopping, entertainment and special venues. Signing up is simple:

  • Go to:
  • Click on Register at the top of the screen
  • Then click on Employee
  • Key in Member ID# 913607477

Fitness Discount

TargetCW cares about you on and off the clock. That’s why we offer up to a $50 reimbursement on all gym memberships just for showing us you care about your health. All you have to do is fill out our form, upload a receipt of your dues, and we’ll reimburse up to $50 of your yearly gym membership!

  • One reimbursement per 12 months
  • Claim reimbursement after 60 days of employment
  • No minimum hours per week required

Get Reimbursed


24 Hour Fitness

24 Hour Fitness

TargetCW has teamed up with 24 Hour Fitness to offer you a great corporate discount membership offer. Employees will receive discounted memberships starting at $30.99 per month. We will also reimburse you up to $50.00 per year! Check out your local 24 Hour Fitness!

  • Enroll anytime
  • No minimum hours per week required
  • Email to receive our Corporate ID


Website Enrollment:

  • Go to
  • Enter the Corporate ID
  • Click Continue
  • Enter your zip code or address to find a 24 Hour Fitness near you
  • Select your Membership Options
  • Enter your personal information
  • Complete your enrollment

Cell Phone Discounts

We are very excited to offer all of our employees a discount on T-Mobile and AT&T wireless services. Getting your discount is easy! Just follow the steps below for your wireless carrier. Both discounts apply to new and existing customers.

T-Mobile Advantage Program

T-Mobile Advantage Program

Beginning March 31, 2014, T-Mobile announced their new T-Mobile Advantage Program for all TargetCW Employees, delivering the best value in wireless plus a bonus!

  • Early Termination Fees reimbursed to free you from your current service contracts
  • Phone upgrades whenever you want with JUMP!
  • A wide selection of the latest phones and tablets
  • $25 Advantage Reward Card with purchase of a device each and every time you activate a new line of service, upgrade your device or add a line to your account

Click here to learn more about how you can earn a $25 Reward as an Advantage Program member or call 1-866-464-8662 and provide promo code: 19493TMOFAV Individuals who enrolled in the Advantage Program prior to 4/1/14 will remain on the old program and do not qualify for the Reward Card.



8% AT&T Discount

There are three easy steps to get your AT&T Discount (available for new & existing AT&T Customers)

  1. Print out your TargetCW Paystub
  2. Print out the TargetCW AT&T Discount Flyer
  3. Visit your local AT&T store with both documents to receive your 8% discount.

For additional questions, please contact

Classroom Rewards

There are few things more important than education. That’s why we want to encourage and reward our employees who are working hard in the classroom. Education is a lifelong activity that should be cherished at every age. Whether you are entering college for the first time or continuing education online, we want to reward your hard work. You must have taken at least 9 college credits within a year and have at least a 3.0 GPA to qualify. Employees are eligible after 60 days of employment and can be rewarded every twelve months.

Getting your TCW gift is easy. Just fill out the form below and be sure to attach your transcript.

  • 3.0 GPA* – TCW gift valued at $25
  • 3.5 GPA* – TCW gift valued at $50
  • 4.0 GPA* – TCW gift valued at $75

Get Rewarded

*GPA calculation is based on the most recent completed semester

COBRA continuation coverage

General Notice Of COBRA Continuation Coverage Rights

**Continuation Coverage Rights Under COBRA**


This notice is applicable if you obtain coverage under a group health plan (PanAmerican Medical, PanaBridge Dental/Vision, and/or MetLife Dental). This notice has important information about your right to COBRA continuation coverage, which is a temporary extension of coverage under the Plan. This notice explains COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect your right to get it. When you become eligible for COBRA, you may also become eligible for other coverage options that may cost less than COBRA continuation coverage.

The right to COBRA continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA continuation coverage can become available to you and other members of your family when group health coverage would otherwise end. For more information about your rights and obligations under the Plan and under federal law, you should review the Plan’s Summary Plan Description or contact the Plan Administrator.

You may have other options available to you when you lose group health coverage. For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower out-of-pocket costs. Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse’s plan), even if that plan generally doesn’t accept late enrollees.

What is COBRA continuation coverage?

COBRA continuation coverage is a continuation of Plan coverage when it would otherwise end because of a life event. This is also called a “qualifying event.” Specific qualifying events are listed later in this notice. After a qualifying event, COBRA continuation coverage must be offered to each person who is a “qualified beneficiary.” You, your spouse, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event. Under the Plan, qualified beneficiaries who elect COBRA continuation coverage must pay for COBRA continuation coverage.

If you’re an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events:

  • Your hours of employment are reduced, or
  • Your employment ends for any reason other than your gross misconduct.

If you’re the spouse of an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events:

  • Your spouse dies;
  • Your spouse’s hours of employment are reduced;
  • Your spouse’s employment ends for any reason other than his or her gross misconduct;
  • Your spouse becomes entitled to Medicare benefits (under Part A, Part B, or both); or
  • You become divorced or legally separated from your spouse.

Your dependent children will become qualified beneficiaries if they lose coverage under the Plan because of the following qualifying events:

  • The parent-employee dies;
  • The parent-employee’s hours of employment are reduced;
  • The parent-employee’s employment ends for any reason other than his or her gross misconduct;
  • The parent-employee becomes entitled to Medicare benefits (Part A, Part B, or both);
  • The parents become divorced or legally separated; or
  • The child stops being eligible for coverage under the Plan as a “dependent child.”

When is COBRA continuation coverage available?

The Plan will offer COBRA continuation coverage to qualified beneficiaries only after the Plan Administrator has been notified that a qualifying event has occurred. The employer must notify the Plan Administrator of the following qualifying events:

  • The end of employment or reduction of hours of employment;
  • Death of the employee;
  • The employee’s becoming entitled to Medicare benefits (under Part A, Part B, or both).

For all other qualifying events (divorce or legal separation of the employee and spouse or a dependent child’s losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within 30 days after the qualifying event occurs. You must provide this notice and proof of the event to: TargetCW by emailing or by faxing the information to 858-810-3001.

How is COBRA continuation coverage provided?

Once the Plan Administrator receives notice that a qualifying event has occurred, COBRA continuation coverage will be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect COBRA continuation coverage. Covered employees may elect COBRA continuation coverage on behalf of their spouses, and parents may elect COBRA continuation coverage on behalf of their children.

COBRA continuation coverage is a temporary continuation of coverage that generally lasts for 18 months due to employment termination or reduction of hours of work. Certain qualifying events, or a second qualifying event during the initial period of coverage, may permit a beneficiary to receive a maximum of 36 months of coverage.

There are also ways in which this 18-month period of COBRA continuation coverage can be extended:

Disability extension of 18-month period of COBRA continuation coverage

If you or anyone in your family covered under the Plan is determined by Social Security to be disabled and you notify the Plan Administrator in a timely fashion, you and your entire family may be entitled to get up to an additional 11 months of COBRA continuation coverage, for a maximum of 29 months. The disability would have to have started at some time before the 60th day of COBRA continuation coverage and must last at least until the end of the 18-month period of COBRA continuation coverage. You must provide this notice and proof of the event to: TargetCW by emailing or by faxing the information to 858-810-3001.

Second qualifying event extension of 18-month period of continuation coverage

If your family experiences another qualifying event during the 18 months of COBRA continuation coverage, the spouse and dependent children in your family can get up to 18 additional months of COBRA continuation coverage, for a maximum of 36 months, if the Plan is properly notified about the second qualifying event. This extension may be available to the spouse and any dependent children getting COBRA continuation coverage if the employee or former employee dies; becomes entitled to Medicare benefits (under Part A, Part B, or both); gets divorced or legally separated; or if the dependent child stops being eligible under the Plan as a dependent child. This extension is only available if the second qualifying event would have caused the spouse or dependent child to lose coverage under the Plan had the first qualifying event not occurred.

Are there other coverage options besides COBRA Continuation Coverage?

Yes. Instead of enrolling in COBRA continuation coverage, there may be other coverage options for you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as a spouse’s plan) through what is called a “special enrollment period.” Some of these options may cost less than COBRA continuation coverage. You can learn more about many of these options at

If you have questions

Questions concerning your Plan or your COBRA continuation coverage rights should be addressed to the contact or contacts identified below. For more information about your rights under the Employee Retirement Income Security Act (ERISA), including COBRA, the Patient Protection and Affordable Care Act, and other laws affecting group health plans, contact the nearest Regional or District Office of the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) in your area or visit (Addresses and phone numbers of Regional and District EBSA Offices are available through EBSA’s website.) For more information about the Marketplace, visit

Keep your Plan informed of address changes

To protect your family’s rights, let the Plan Administrator know about any changes in the addresses of family members. You should also keep a copy, for your records, of any notices you send to the Plan Administrator.

Plan contact information

TargetCW Benefits
9475 Chesapeake Drive
San Diego, CA 92123
P: 858-810-3000
F: 858-810-3001

Health Care Reform

TargetCW is dedicated to helping employees navigate new federal guidelines mandating insurance coverage beginning January 1, 2014. The changes are meant to help expand access to adequate and affordable health care coverage; Health Insurance Marketplaces (an online exchange) where individuals can shop for health insurance coverage will be operated by each state or, if the state does not have its own marketplace, by the Federal government. A list of state exchanges can be found on the CMS website.

As part of the Affordable Care Act, workers with household incomes between 100% and 400% of the federal poverty level may be eligible for subsidies to help offset health insurance costs when purchased through their state Health Insurance Marketplace. See Below for 2015 federal poverty levels.

You can learn about coverage options and costs available to you through the Health Insurance Marketplace by visiting: