Archived No insurance for 12 months. How do they get away with it?

[Joglee]

New to the company, lost insurance coming here.

Getting 40hrs a week(well 39.9), but cant get any insurance for 12 months, nor is there any special enrollment periods covered by any qualifying life events.

How does Target manage to get away with what looks to me to be a clear violation of federal law?

 

[Black Sheep 214]

If you lost job related health insurance check out Obamacare. Good luck.

 

[Planosss]

I think if you work 1000 hours you become eligible.

 

[allnew2]

New to the company, lost insurance coming here.

Getting 40hrs a week(well 39.9), but cant get any insurance for 12 months, nor is there any special enrollment periods covered by any qualifying life events.

How does Target manage to get away with what looks to me to be a clear violation of federal law?

As previously stated by humble tl , you have to work 1000 hours to become eligible and after that you need to wait until the new enrollment which is in april

 

[Hardlinesmaster]

From the target pay and benefits site.
WHEN AM I ELIGIBLE FOR BENEFITS? 2018
As a Target Stores Team Member, you are eligible for:
At date of hire:
 Team Member Discount
 Team Member LifeResources
 Business Travel Accident
At 6 months* if you average 19.5-29.49 hours per week:
 Vacation
 Sick Hours (CA, NJ, NY, RI and locations where legislated)
 Bereavement (Funeral) Pay
At 6 months* if you average 29.5 hours or more per week:
 Vacation
 Sick Hours (CA, NJ, NY, RI and locations where legislated)
 Short-term Disability (team members in California, New York, New Jersey and Rhode Island have disability insurance through their state
Disability Program, not through Target’s Short-term Disability Plan)
 Bereavement (Funeral) Pay
 Personal Holidays
 National Holidays (Thanksgiving and Christmas)
 Well-being Time
Additional benefits at 12 months* if you average 19.5-29.49 hours per week:
 Supplemental Medical (Accident, Hospital Indemnity, Critical Illness)
 Dental (coverage for Spouse/DP available in Basic Dental Plan only)
 Daycare Flexible Spending Account (Daycare FSA)
 Identity Theft Protection
 Group Legal Plan
 Adoption Reimbursement
 Life Insurance (Company Paid, Supplemental, Spouse/Domestic Partner and Dependent Life)
 Paid Parental Leave
 Long-term Disability
Additional benefits at 12 months* if you average 29.5 or more hours per week:
 Medical
 Supplemental Medical (Accident, Hospital Indemnity, Critical Illness)
 Dental
 Vision Eyewear Plan, available with medical enrollment
 Life Insurance (Company Paid, Supplemental, Spouse/Domestic Partner and Dependent Life)
 Paid Parental Leave
 Long-term Disability
 Health Care Flexible Spending Account (Health Care FSA)
 Daycare Flexible Spending Account (Daycare FSA)
 Identity Theft Protection
 Group Legal Plan
 Adoption Reimbursement
*See the “Initial Benefits Eligibility Calculation” section.
WHO IS NOT ELIGIBLE FOR BENEFITS?
Please see your Summary Plan Description (SPD) for information regarding who is not eligible for benefits.
WHAT ARE SUMMARY PLAN DESCRIPTIONS (SPDS)?
SPDs are the primary reference for information about your Target Benefits. SPDs are the documents that summarize each of the benefit plans for which you are eligible or will become eligible. They will be available to you when you become eligible for the plans. Target will provide updates annually, if needed, to keep the SPDs current.

 

[RedcardReba]

ACA will cover u immediately.

 

[GoodyNN]

New to the company, lost insurance coming here.

Getting 40hrs a week(well 39.9), but cant get any insurance for 12 months, nor is there any special enrollment periods covered by any qualifying life events.

How does Target manage to get away with what looks to me to be a clear violation of federal law?

If you have already completed eligibility requirements (see Hardlinesmaster's post above mine) at the time of losing other coverage, then you can use that qualifying life event to invoke a special enrollment period rather than wait for the next open enrollment.

It sounds like you are new to Target, which means that you have not met the requirements yet. Your current options are COBRA through your prior employer or ACA coverage until you meet the eligibility requirements.

 

[TargetScanMan]

Add 401K with 5% match and BCU (credit union) which features interest bearing checking account and ATM card with thousands of no fee access points to list of benefits.

 

[buliSBI]

Target has always had eligibility requirements for health insurance for TMs.