TargetCW Employee Benefits for Contingent Workers! | Benefits
TargetCW is committed to the principle of equal access for customers, clients, candidates, and workers with disabilities in compliance with the Americans with Disabilities Act (ADA). If you are having difficulty navigating our websites or utilizing any of our online services, we have agents available to assist you 24 hours per day Monday through Saturday at the following toll-free phone number: 888-388-8873. You can also email info@targetcw.com.

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2021 Health Plan Information

2021 Healthplan Notices

Group Benefit Highlights:

Who’s Eligible to Enroll?

Full-time employees scheduled to work at least 30 hours per week are eligible to enroll in medical, dental and vision coverage. New full-time employees will be able to begin enrolling in coverage on the 7th of the month prior to their benefits effective date. For those that enroll, coverage is effective the first of the month following at least 30 days of employment.  Please refer to the Eligibility Chart below to view your enrollment window and when benefits will be effective.

If you’re eligible for benefits and have not received an Enrollment email, please contact benefits@targetcw.com.

targetcw employee benefits, Benefits

How To Enroll:

On the first day of your enrollment window, you will receive an enrollment email containing log in instructions and benefit details.  Please refer to the Eligibility Chart above to view your enrollment window and when benefits will be effective.

Go to the Benefits Enrollment Portal at www.targetcwbenefitslogin.com and follow the steps.

  • 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: Date of Birth (YYYYMMDD)
  • To view the Benefits Guide, please email benefits@targetcw.com
  • To find providers in your area please use our Provider Locator

Can I Change My Coverage Anytime?

Once the enrollment window has closed and/ or once benefits are effective, employees are not able to make any changes to their coverage(s) until the end of the year during Open Enrollment or if you’ve experienced a qualifying event that satisfies federal regulations.

Examples of Qualified Life Events

If one of the following qualifying events occurs, you may make changes to your benefits that are consistent with the event.

  • Marriage, legal separation or divorce
  • Birth or adoption of a child
  • Change in eligibility of a child
  • Death of a dependent family member
  • Change in the employment status of your Spouse / Domestic Partner
  • Your Spouse / Domestic Partner reaches age 65 and is covered by Medicare
  • FMLA special requirements
  • HIPAA special enrollment rights
  • Increase or reduction of hours that changes employment status
  • Transfer to or from a benefits-eligible position

PLEASE NOTE:  New elections and supporting documentation must be completed and submitted within 30 days from the date of your Life Event.  To complete the life event process, please contact benefits@targetcw.com for further instructions.

Employee Cost of Coverage

Your cost of coverage will vary depending on the plan option and tier you choose.  Medical, dental, and vision health premiums are deducted pre-tax from each paycheck, saving you tax dollars.

IMPORTANT: If you are no longer an active TargetCW employee due to voluntary or involuntary termination, employee coverage terminates on the last day of the month in which the termination occurs. Any owed insurance premiums from prior or current month(s) will be deducted from your final paycheck. Coverage may be terminated for failure to timely pay premiums via payroll.

Employment Statuses & ACA 12-month look-back Measurement

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At TargetCW, we value happy and healthy employees!  We also believe that our employees and culture have played the biggest roles in our success, which is why we strive to provide a comprehensive benefits package.  Take a look at what we offer!

targetcw employee benefits, Benefits

Aetna Medical

TargetCW offers full coverage EPO and PPO plans through Allied Benefit Systems that use the Aetna network and include prescription drug coverage through CVS Caremark. The plans satisfy the requirement of Minimum Essential Coverage and Minimum Essential Value under the Affordable Care Act.  The 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.  Health benefits are often complex and can be difficult to understand.  Our TPA, Allied Benefit Systems, will process claims, answer questions, and other important management functions related to our health plans.

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Cigna Dental

TargetCW also offers a dental HMO (for CA residence only) and a dental PPO plan through Cigna. Overall good health includes a healthy mouth, gums, and teeth. Gum disease can cause health conditions, like heart disease, stroke, diabetes, and other diseases. Getting regular dental checkups can reduce your risk.  Cigna’s dental plan makes it easier to manage good oral health. Here’s how:

  • Covers most preventive care at low-cost or no extra-cost to you
  • Includes screening for oral cancer and other types of care*
  • The fees you pay – or copays – are clearly listed on your Patient Charge Schedule (PCS), so you know what you’ll pay beforehand.

As a Cigna Member, you can create an account at MyCigna.com to print forms/order ID cards, view claims, and coverage, and locate providers.

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

targetcw employee benefits, Benefits

VSP Vision

TargetCW offers vision coverage through VSP.  VSP offers access to great eye doctors, quality eyewear, and the affordability you deserve, all at low out-of-pocket costs.  As a VSP member, you can create an account at www.vsp.com to view your in-network coverage, find the VSP network doctor who’s right for you, and discover savings with exclusive member extras.

Call VSP Member Services at 1-800-877-7195 if you have additional questions about your vision benefits.

 

Questions about benefits?

Please call (858) 810-3000 or email the Benefits Team at benefits@targetcw.com.  We’re happy to help!

Employee Assistance Plan (EAP)

Employee Assistance Plan (EAP)

All employees have access to our EAP at no cost to you. The EAP offers support for a wide range of work and personal issues to promote a healthy work/life balance.  You typically have three free, confidential sessions per issue.  Counselors are also available for referrals for additional care or to help with child/elder care services, finances, personal and legal issues.

Get help 24/7 by visiting www.unum.com/employees/services/life-balance or call 800- 854-1446.

401k

 

Create the future you want and pursue financial independence and setup a TargetCW 401k retirement savings plan through Empower Retirement. Your TargetCW 401(k) Plan can help you achieve the retirement you want — a future focused on what you want to do instead of what you have to do.

Get started today and use the tools to help you invest for the retirement income you may need.

  • Enroll any time after 60 days of employment
  • No minimum hours per week required
  • Contributions will begin on the first paycheck at the start of the next quarter following eligibility requirements and enrollment.
  • No match offered, but you may be eligible for a $500 bonus!  Click here for more details.
  • Annual Contribution Limit for 2021: $19,500 or $26,000 for employees age 50+. Participants can defer up to 90% (after applicable taxes) of their salary.
    • NOTE: Participants earning $130,000 or more annually may not be eligible for the full $19,500/$26,000 deferral due to IRS restrictions.

Ready to Enroll?

Go to www.empowermyretirement.com

    • Select Register.
    • Select I do not have a PIN tab.
    • Follow the prompts to create your username and password.

Questions? Contact Empower at (800) 338-4015 Mon- Fri 6am- 8pm MT and Sat 7am- 3:30pm MT

Please allow 3-5 business days for your enrollment to be processed. Once processed, you will receive a confirmation email from TargetCW.

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Get the most out of your plan

  • Easy payroll deductions so you can save with every paycheck.
  • Pre-tax contributions reduce your current taxable income
  • TargetCW’s 401(k) plan provides access to 27 investment funds. These funds range from conservative to aggressive growth funds.
  • Complete access to your account: complete exchange transactions via the web or phone.

Need financial guidance?

TargetCW has teamed up with Kornerstone 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, Kornerstone 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.

Kornerstone, Inc.  |  (530) 343-4015  |  info@kornerstoneinc.com

1811 Concord Ave., Suite 130.  Chico, CA 95928

Resources:

Questions? Reach out to the TargetCW Benefits Team at benefits@targetcw.com

Flexible Spending Account

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 30 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.

Healthcare FSA

The Healthcare FSA lets you set aside pre-tax funds via payroll deductions. You can use the money to reimburse

yourself for eligible medical, dental and vision expenses.  In 2021, you can contribute up to $1,500.  Any unused funds left in the Healthcare FSA on December 31st of each plan year or after your termination date will be forfeited, except for balances up to $550 that can be carried over into the next plan year, if you’re an active employee and re-enroll in the plan.  To see all eligible expenses, visit: www.fsastore.com/FSAEligibility-List.aspx

 

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.  Employees may defer up to $5,000 pre-tax per year.  Funds do not rollover to the next 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 and must include the date of service.

IMPORTANT NOTES

  • 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 31st of each plan year will be forfeited, except for $550 that can be carried over into the next Plan Year only if you re-enroll.

 

What Happens to my FSA 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!

Enroll Now

Auto & Home

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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

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.
  • Our Commuter program is also compliant with specific city ordinances like Seattle and San Francisco. Click on the city name for more information.

 

Commuter Benefits Program Highlights

  • The IRS max pre-tax limits per month for 2021 are $270 for transit and $270 for parking.
  • You can elect both transit and parking benefits up to $270 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 benefits@targetcw.com 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 forfeited by the employee per Section 1.132-9(b) Q&A 14(d) of the IRS regulations.

 

Commuter Benefits Program Resources & 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

 

targetcw employee benefits, Benefits

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.

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 the plan document for your reference:  Transit Pass Program Summary

TargetCW PayCard

targetcw employee benefits, Benefits

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

 

Resources:

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

targetcw employee benefits, Benefits

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 adoptapet.com 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 employee benefits, Benefits

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

targetcw employee benefits, Benefits

Fun Express Discounts

As an employee of TargetCW, you are now eligible to receive discounted tickets and enjoy savings of up to 55% on tickets to hundreds of attractions nationwide including Universal Studios Hollywood, Knott’s Berry Farm, SeaWorld, Legoland, Dinner Shows, Movie Theatres, Water Parks, Halloween events, and much more!  Most tickets can be instantly emailed to you any time of the day!  Click HERE for more information.

Register Today in Three Easy Steps!

Step 1:  Visit www.funex.com

Step 2:  Click on ‘Register’ button at the top of the homepage.

Step 3:  Create an account with your email address and the Employee Access Code (EAC).  Our EAC is 14-42014

Need help?  Please call 949-367-1900 or reach out to help@funex.com

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:
TargetCW
9475 Chesapeake Drive
San Diego, California 92123

 

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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: www.workingadvantage.com
  • 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

 

targetcw employee benefits, Benefits

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 benefits@targetcw.com to receive our Corporate ID

 

Website Enrollment:

  • Go to www.24hourfitness.com/corporate
  • 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

 

ClassPass

What is ClassPass? The world’s most flexible fitness and wellness membership. On-demand videos, livestream classes from global & local studio brands, wellness experiences, and in-studio classes all in one place.

Sign up here to get a discounted membership. From acupuncture, on-demand strength classes, to virtual boxing and Pilates, there is something for everyone.

Additional information and rates can be found in the flyer below.

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.

targetcw employee benefits, Benefits

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.

 

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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 benefits@targetcw.com

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**

Introduction

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 benefits@targetcw.com 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 benefits@targetcw.com 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 www.healthcare.gov.

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 www.dol.gov/ebsa. (Addresses and phone numbers of Regional and District EBSA Offices are available through EBSA’s website.) For more information about the Marketplace, visit www.HealthCare.gov.

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
benefits@targetcw.com

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: www.healthcare.gov

Resources: