What Target offers its employees in pay and benefits

Target structures compensation in two parts: the paycheck itself, and the benefits that come alongside it. The paycheck includes hourly wages or salary, overtime pay when applicable, and shift differentials for certain hours. The benefits side covers health insurance, retirement savings plans, paid time off, and other programs that vary by employment status and tenure.

Not all Target employees receive the same package. Full-time team members get a broader set of benefits than part-time workers. New hires have a waiting period before some benefits begin. Seasonal employees and those in certain roles may have different access. Understanding which programs explore to your situation requires knowing your employment classification and how long you have been with the company.

Key Takeaways

  • Target pays hourly team members and salaried leaders differently, with overtime rules that depend on your state and role classification.
  • Health insurance, retirement plans, and paid time off are available to full-time employees but have waiting periods that range from day one to several months depending on the benefit.
  • Part-time employees can access some benefits like the 401(k) plan, but health insurance and paid time off have stricter may be able to access rules.
  • Target's benefits are described in the Team Member Handbook and on the Target HR portal, which you can access with your employee login.
  • Pay schedules, deductions, and benefit enrollment important date are communicated through your pay stub and through Target's internal systems, not through external mail.

How Target calculates and delivers paychecks

Target pays most team members biweekly — every two weeks on the same day. Your paycheck includes gross pay (the amount before deductions) and net pay (what you actually receive after taxes, insurance premiums, and other withholdings). The gross amount depends on your hourly rate or salary, hours worked, and any shift differentials or overtime.

Overtime rules vary by state. In most states, non-exempt employees (hourly workers in most roles) earn overtime pay at 1.5 times their regular rate for hours over 40 in a week. Some states have daily overtime rules or different thresholds. Target calculates this based on your state of employment, not where you live, so if you work in California you follow California rules even if you live elsewhere.

You can view your pay stub through Target's HR portal using your employee login. The stub shows gross pay, each deduction itemized, net pay, and year-to-date totals. If you notice an error — missing hours, wrong rate, incorrect deduction — you report it to your store's HR team or call Target's HR service line. Corrections typically appear in the next pay cycle.

Health insurance for full-time and part-time employees

Full-time Target employees become may be able to access for health insurance on the first day of the month following 60 days of employment. This covers medical, dental, and vision plans. You choose from multiple plan options during open enrollment, which happens once a year. If you miss open enrollment, you can only change plans if you have a may have access to life event — marriage, birth of a child, loss of other coverage — and you must report it within 30 days.

Part-time employees can enroll in health insurance after working 500 hours in a 12-month period. The threshold is higher than for full-time workers, and the waiting period is longer. Once you cross 500 hours, you become may be able to access on the first day of the following month.

Target contributes a portion of the premium for both full-time and part-time employees, but you pay the rest through payroll deduction. The amount Target contributes and the plans available change year to year. You can review plan details, costs, and coverage through the HR portal before you enroll.

Retirement savings through Target's 401(k) plan

Target offers a 401(k) plan to employees who have completed 90 days of service. Both full-time and part-time employees can participate. You choose how much to contribute from each paycheck — up to the annual limit set by the IRS, which changes yearly. Contributions come out before taxes, lowering your taxable income for that year.

Target matches a portion of what you contribute, but the match formula depends on your employment status. Full-time employees typically receive a higher match than part-time employees. The exact percentage is detailed in the plan documents available through the HR portal. Your match vests — becomes yours to keep — according to a schedule that usually takes three to six years.

You can view your 401(k) balance, change your contribution amount, and adjust your investment selections through the plan's website using your login credentials. If you leave Target, you can roll your balance into another retirement account or leave it in the plan, depending on the amount and the plan rules at that time.

Paid time off and leave policies

Full-time employees receive paid time off (PTO) that combines vacation, sick leave, and personal days into one pool. The amount you receive per year depends on your tenure — newer employees receive less than those who have worked at Target for several years. PTO accrues with each paycheck and you can view your balance on the HR portal.

Part-time employees do not receive PTO in the same way. Some part-time roles may have access to unpaid leave or other time-off policies, but this varies. You should confirm your specific policy with your store's HR team when you are hired.

Target also offers unpaid leave for certain situations: family and medical leave under federal law (FMLA), military service leave, and jury duty leave. These are separate from PTO and have their own may be able to access rules and documentation requirements. If you need to take leave for any of these reasons, you notify your HR team and provide the required paperwork.

Other benefits and programs

Target provides additional benefits beyond pay, health insurance, and retirement. These include life insurance (automatic for full-time employees, optional for part-time), disability insurance, an employee discount on purchases, and access to an employee information program (EAP) that offers counseling and support services.

Some benefits are automatic — you receive them without enrolling. Others require you to opt in during your enrollment period or within a set window after hire. The Team Member Handbook lists all available programs and explains which ones explore to your employment status. If you are unsure whether you are enrolled in a benefit or how to use it, your HR team can confirm your status and walk you through the process.

How to find your benefits information and make changes

Target's HR portal is the main place to view your pay stubs, benefits enrollment status, plan documents, and contact information for each benefit provider. You log in with your Target employee credentials. The portal also shows your 401(k) balance, PTO accrual, and health insurance coverage details.

If you cannot find what you need on the portal, you can contact Target's HR service line by phone or through the internal messaging system. You can also speak with the HR team at your store location during business hours. For questions about a specific benefit — like your health plan or 401(k) — you may need to contact the benefit provider directly; their contact information is on your plan documents or the HR portal.

Changes to benefits outside of open enrollment typically require a may have access to life event. You report the event to HR within 30 days with documentation — a marriage certificate, birth certificate, or proof of loss of coverage. HR then processes the change and confirms your new coverage.

Frequently Asked Questions

When do I start receiving benefits after I am hired?

Health insurance may be able to access begins on the first day of the month after 60 days of employment for full-time employees, or after 500 hours worked in 12 months for part-time employees. The 401(k) plan is open to you after 90 days. PTO accrues from your first paycheck if you are full-time. Exact dates depend on your hire date and employment classification.

Can I change my health insurance plan outside of open enrollment?

You can change plans only if you have a may have access to life event — marriage, divorce, birth or adoption of a child, loss of other coverage, or a change in your employment status. You must report the event to HR within 30 days and provide documentation. Without a may have access to event, you must wait until the next open enrollment period.

What happens to my 401(k) if I leave Target?

Your contributions and any vested match remain yours. You can roll the balance into another retirement account, take a distribution (which may have tax consequences), or leave it in the Target plan if the balance meets the plan's minimum. Non-vested match is forfeited. Contact the plan administrator or HR for specific instructions based on your balance and situation.

Do part-time employees get paid time off?

Part-time employees do not receive PTO in the standard sense. Some part-time roles may have access to unpaid leave or other policies, but this varies by position and location. Confirm your specific time-off policy with your store's HR team when you are hired or at any time by asking.

How do I report a pay error?

Review your pay stub on the HR portal and compare it to your hours worked and rate. If you find an error, contact your store's HR team or call Target's HR service line with the details — the pay period, the amount, and what is wrong. Corrections are usually processed in the next pay cycle once HR investigates and confirms the error.