Full-time employees scheduled to work at least 30 hours per week are eligible to enroll in 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. Coverage is effective the first of the month following at least 30 days of employment.
If you will NOT be working in the city of San Francisco, this benefits guide is NOT applicable to you. Please contact benefits@tcwglobal.com for your appropriate benefits guide.
TCWGlobal performs periodic reviews to verify family members’ eligibility for enrollment in the benefit plans. TCWGlobal and the insurance carriers reserve the right to request documentation (for example, marriage and/or birth certificates) to verify eligibility.
Please refer to the chart below for your enrollment window and benefits effective date.
Start Date |
Enrollment Window |
Benefits Effective Date |
11/2/23 – 12/2/23 |
Dec. 7–21 |
1/1/2024 |
12/3/23 – 1/2/24 |
Jan. 7–21 |
2/1/2024 |
1/3/24 – 1/30/24 |
Feb. 7–21 |
3/1/2024 |
1/31/24 – 3/2/24 |
Mar. 7–21 |
4/1/2024 |
3/3/24 – 4/1/24 |
Apr. 7–21 |
5/1/2024 |
4/2/24 – 5/2/24 |
May 7–21 |
6/1/2024 |
5/3/24 – 6/1/24 |
Jun. 7–21 |
7/1/2024 |
6/2/24 – 7/2/24 |
Jul. 7–21 |
8/1/2024 |
7/3/24 – 8/2/24 |
Aug. 7–21 |
9/1/2024 |
8/3/24 – 9/1/24 |
Sept. 7–21 |
10/1/2024 |
9/2/24 – 10/2/24 |
Oct. 7–21 |
11/1/2024 |
10/3/24 – 11/1/24 |
Nov. 7–21 |
12/1/2024 |
TBD | TBD |
1/1/2025 |
Work a different number of hours from week to week (includes on-call workers). Hours are tracked for the first year. If the employee averages 130 hours per month their first year, coverage will be offered at that time. Once an employee enrolls, they will be in a stability period until hours are evaluated for the next year’s open enrollment eligibility. The stability period allows the employee to retain coverage if they are consistently receiving paychecks and paying premiums.
In accordance with the SFHCSO, TCWGlobal covers the cost of the Allied PPO only for eligible employees. You will be automatically enrolled in this plan, unless you opt to buy-up to another. You will be responsible for the cost difference for any additional benefits and eligible dependents. For more detailed information about the SFHCSO, Click Here. This plan information is only applicable to employees working in San Francisco, CA. If your work site changes, you will no longer be covered under this ordinance. At that time, you will have the opportunity to enroll in one of our other plans.
This plan information is only applicable to employees working in San Francisco, CA. If your work site changes, you will no longer be covered under this ordinance. At that time, you will have the opportunity to enroll in one of our other plans.
Under the ACA guidelines, a returning employee with a break of service less than 13 weeks will be considered active. Therefore, if the employee was previously enrolled in coverage, the waiting period will be waived and all previous benefits will be reinstated the 1st of the month following the date of return. Returning employees will need to email benefits@tcwglobal.com prior to the benefits effective date to have their coverage(s) reinstated.
You can enroll in or make changes to your benefits during your new hire enrollment period or each year during open enrollment. You won’t be able to make changes to your coverage during the year unless you have a qualifying life event* (in accordance with Internal Revenue Code rules).
Examples of qualified status change events include (but not limited to):
For a complete description of the company’s election change rules or to make a life event change, please contact benefits@tcwglobal.com.
New elections and supporting documentation must be completed and submitted within 30 days from the date of your qualifying life event. Failure to complete enrollments during the New Hire and/or annual Open Enrollment period will be considered waiving coverage.
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 in the section above.
Go to the Benefits Enrollment Portal and follow through the steps.
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.
Date of Birth (YYYYMMDD)
Due to federal and state tax regulations, benefits provided to registered domestic partners are generally taxable and therefore deducted from your pay on an after-tax basis. Additionally, any premium contributions made by TCWGlobal on behalf of your registered domestic partner are generally considered taxable income to you. Contact TCWGlobal Benefits at benefits@tcwglobal.com if you believe your registered domestic partner is exempt from federal or state taxes.
If you are no longer an active TCWGlobal 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. Insurance coverage is subject to termination for failure to timely pay premiums via payroll.
Your cost of coverage will vary depending on the plan option and tier you choose. Medical, dental and vision contributions are deducted pre-tax from each paycheck, saving you tax dollars. As a result, the IRS requires that your elections remain in effect for the entire year if you are active. Once benefits are effective, you cannot drop or change coverage outside of open enrollment unless you experience a qualifying life event.