Your 2012 Benefits ORIENTATION GUIDE. For Permanent Guam Part-time Hourly, Full-time Hourly and Salaried Associates

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1 Your 2012 Benefits ORIENTATION GUIDE For Permanent Guam Part-time Hourly, Full-time Hourly and Salaried Associates

2 YOUR KEY BENEFITS AND HR RESOURCES Your Benefits Resources Benefits Information Website Complete resource for all benefits information: Enrollment Guides Enroll, view current elections or make benefit changes/additional transactions: Health & Welfare Benefits FutureBuilder 401(k) ESPP To enroll for the first time, you will need the last 4 digits of your SSN, date of birth and ZIP code to begin the log on process. After you enter your personal identification, you will create a user id and password. You will use these as your log in information going forward. Last, you will choose security questions and answers to use in case you forget your password in the future. Find a Provider Tools/Transition of Care Information Carrier Contact List Communications and Forms Library Benefits Summaries (detailed benefit information) Associate success stories Additional resources available here: The Home Depot Associate Discount Site Access to Your Spending Account (Health Care and Dependent Day Care Spending Account Information) Online Financial Advice Your Total Value 529 Savings Plan And much more! Benefits Choice Center Representatives are available to answer all benefit questions or take enrollments if you are not able to enroll online. Your HR Resources HR Website Online HR and Payroll transactions (view your pay stub, change your withholdings, change or activate your direct deposit information, view your W-2s and change your mailing address) HR Service Center myTHDHR ( ) Get answers to HR and Payroll questions and complete transactions via phone (pay related information, changes to your record, Leave of Absence and HR questions) Associate Advice and Counsel Group (AACG) myTHDHR ( ) The AACG is a team of dedicated Home Depot HR professionals committed to providing fair and impartial help on a variety of issues, including: Resolving associate concerns Providing advice regarding resolutions for workplace concerns Answering questions about Company policy and procedures 3

3 WELCOME To The Home Depot We re glad you decided to put on the orange apron and bring your skills and know-how to our Company. When your apron comes off at the end of the work day, your Home Depot benefit plans, programs and services keep working for you to help you live your best possible life what we like to call the Orange Life. Now it s time for you to start enjoying the benefits of your new Orange Life. What you NEED TO KNOW You MUST enroll on the enrollment website or by calling the Benefits Choice Center by your enrollment deadline: For part-time hourly and full-time hourly associates: before your 91st day of employment For salaried associates: before your 31st day of employment You MUST actively enroll in Medical/Vision*, Dental, Critical Illness Protection Plan and/or the Spending Accounts* or you will not have coverage in these plans for the rest of You MUST designate your beneficiary(ies) for your life insurance coverage during your enrollment session. All full-time hourly and salaried associates have Basic Accidental Death and Dismemberment coverage and must designate a beneficiary for this coverage during their enrollment session. * Available to full-time hourly and salaried associates only. 1

4 QUICK LIST OF YOUR HEALTH CARE COVERAGE OPTIONS Through The Home Depot To have health care coverage and to participate in the spending accounts* through The Home Depot for the rest of 2012, you must enroll by your enrollment deadline! For complete information on all of the valuable plans, programs and services available exclusively to you as a Home Depot associate, visit Action Needed! You must elect health care coverage by your enrollment deadline to have coverage in Medical/Vision Coverage Options for Full-time Hourly and Salaried Associates You can choose one of these medical/vision options for 2012: The TakeCare PPO option The TakeCare Asia option TakeCare PPO participants can receive care anywhere in the world. You ll pay less if you receive care from a TakeCare participating provider. You also may use a non-participating provider; however, you will have a higher deductible and pay more for out-of-network care. TakeCare Asia participants can receive care in any country in Asia; however, you must use a TakeCare participating provider. No medical/vision benefits are payable for services received from a non-network provider. Critical Illness Protection Plan The Critical Illness Protection Plan can be purchased in four benefit amount options: $5,000 benefit $10,000 benefit $20,000 benefit $30,000 benefit This plan pays a lump-sum benefit for specific conditions, such as heart attack, stroke, cancer, transplant, Alzheimer s disease and paralysis, as well as benefits for eligible travel and lodging expenses and wellness services. * Available to full-time hourly and salaried associates only. 2

5 Dental Coverage The TakeCare Dental Plan The TakeCare Dental Plan provides comprehensive coverage that includes benefits for orthodontia. Preventive care services are free and the plan begins paying benefits immediately there is no deductible before benefits for covered dental services are paid. However, you must receive services from a TakeCare network dentist or your dental care will not be covered. To find a TakeCare network dentist, go to or call the Customer Service department on Guam at The Health Care and Dependent Day Care Spending Accounts for Full-time Hourly and Salaried Associates Spending accounts are a great way to pay for certain qualified expenses with before-tax payroll deductions, reducing your taxable income. You can review a list of eligible expenses on the Your Benefits Resources website during your enrollment session. There are two types of accounts: Health Care and Dependent Day Care. You may contribute up to $5,000 in a Health Care account and $5,000 in a Dependent Day Care account in Each year during Annual Enrollment, you ll need to make a new election in order to participate for the next year. Important Enrollment Information Within a couple of weeks from your hire date, a printed version of the New Associate Enrollment Guide or a New Associate Enrollment CD, which contains a link to the electronic version of this guide on will be sent to your home address. The New Associate Enrollment Guide contains complete details on all of your benefit options and an overview of the enrollment process. You also can visit the Home Depot benefits website, any time to find your New Associate Enrollment Guide, as well as information on the valuable resources and programs available to you as a Home Depot associate. Even if you don t receive your enrollment information at your home address, you must actively enroll on the Your Benefits Resources website by your enrollment deadline or you won t have health care coverage or spending account* participation through the Company for the rest of 2012 unless you have a qualified status change during the year. * Available to full-time hourly and salaried associates only. 3

6 OTHER IMPORTANT BENEFITS For Full-time Hourly and Salaried Associates Short-Term Disability (STD) & Long-Term Disability (LTD) Receive additional financial protection if you become disabled and are unable to work because of illness or injury. IMPORTANT: Full-time hourly associates are automatically enrolled into coverage. Full-time hourly associates will have payroll deductions begin on your 91st day of employment unless you decline coverage. If you decline, Evidence of Insurability will be required for future enrollments. Salaried associates are provided Company-paid STD & LTD coverage. Salaried associates are defaulted into the LTD Tax on Plan Cost option. This means that the cost of the LTD coverage that the Company pays for you will be charged to you as income and you will pay income taxes on the LTD cost. By doing this, if you were approved for LTD, then your benefit would be a tax-free benefit. You can change this option during your enrollment session. Life Insurance and Accidental Death and Dismemberment (AD&D) You can enroll in life insurance and AD&D coverage at any time by calling the Benefits Choice Center but not more than once during a 12-month period or if you experience a family status change. Company-Paid Basic Term Life Insurance The Company provides you and your dependents with basic life insurance if you and your dependents participate in a Company medical plan. Associate and Dependent Voluntary Term Life Insurance You ll have an opportunity to purchase additional life insurance coverage, in multiples of your pay, that best meets your needs. As a new associate, you have a one-time opportunity to enroll in Voluntary Life Insurance coverage of up to three times your pay without having to provide an Evidence of Insurability form*. Company-Paid Basic AD&D The Company provides all full-time hourly and salaried associates with basic AD&D insurance. Voluntary AD&D You ll have an opportunity to purchase additional AD&D coverage for yourself or yourself and your family, in multiples of your pay. Evidence of Insurability is not required for AD&D coverage. * An Evidence of Insurability form is required if you elect a coverage amount above $500,000. 4

7 For Part-time Hourly Associates Short-Term Disability (STD) IMPORTANT: Part-time hourly associates are automatically enrolled into coverage. If you don t want this coverage, you must decline it before your 91st day of employment or payroll deductions will begin. When you are covered under the short-term disability plan, you ll continue to receive part of your income (50% of your weekly base pay up to $125 per week) if a qualified disability due to illness or injury leaves you unable to work. Benefits begin after you have been unable to work for 14 consecutive calendar days and continue for an approved period of disability for up to 26 weeks (your 14-day elimination period plus your 24 weeks of coverage). Term Life Insurance for You and Your Dependents IMPORTANT: Part-time hourly associates are automatically enrolled in Term Life Insurance for yourself. If you don t want this coverage, you must decline it before your 91st day of employment or payroll deductions will begin. Term Life Insurance provides a $20,000 benefit for you, the associate. If your death is the result of an accident, your beneficiary will receive an additional $20,000 benefit. You also can enroll your spouse/domestic partner and your eligible dependent children in Term Life Insurance. Dependent coverage provides a $2,500 benefit for your spouse/domestic partner and a $2,500 benefit for each eligible child age six months and older. The plan provides a $500 benefit for a child under six months old. 5

8 OTHER IMPORTANT BENEFITS continued For All Associates FutureBuilder 401(k) Savings Plan FutureBuilder can help you save money for your future through convenient payroll deductions. You can begin making beforetax and/or Roth after-tax contributions to your FutureBuilder account when you complete 90 days of service. After one year of service (at least 1,000 hours in a 12-month period) you can begin receiving a Company matching contribution. It s easy to enroll in FutureBuilder or make changes to your contributions or investments during your enrollment session. Employee Stock Purchase Plan (ESPP) The ESPP allows you to set aside up to 20% of your eligible pay (subject to certain tax limits) to purchase The Home Depot stock. Get Home Depot stock at a discount. The Employee Stock Purchase Plan gives you a unique opportunity to invest in ownership of the Company at a special associate price. Through the plan, you can purchase shares of Home Depot stock at a 15% discount. Buy stock through convenient payroll deductions. When you enroll, you ll indicate the percentage of your pay you want to invest in the ESPP through payroll deductions, up to a maximum of 20% of your eligible earnings or $21,250. On the last day of each plan, The Home Depot stock will be purchased for you. The price of the stock is 15% off the closing stock market price on the last day of the plan. You have two opportunities to enroll in the ESPP each year before each ESPP Plan deadline. You can enroll by visiting MetLaw Legal Services MetLaw provides coverage for legal services, such as wills, estate planning documents and real estate matters at a discounted price. IMPORTANT: To have coverage in 2012 you will need to enroll by your 61st day of employment. 6

9 Additional Programs Best Doctors FREE Expert Medical Second Opinion Program* If you are diagnosed with a serious illness and would like a second opinion, Best Doctors can help. Better than a traditional second opinion, Best Doctors can provide quick and easy access to the best minds in medicine to help you get the right answers about your medical condition, diagnosis and treatment so you have the support you need to make good medical decisions. For more information, call or visit * Available to Home Depot medical plan enrollees, including dependents. Ayco s Money in Motion Personal Finance Program Associates have access to comprehensive financial education and counseling by phone at a highly discounted rate of $200 per year. For example, counselors can assist with budget planning and strategies for saving for college tuition. To learn more about or enroll in this program, log onto Your Benefits Resources from and choose the Savings & Retirement tab. Financial Engines Investment Advice Financial Engines is an independent investment advisor that provides unbiased advice to FutureBuilder 401(k) Plan participants. Log on to Your Benefits Resources from and click on the Financial Benefits tab. Learn about these benefits and more at or by calling the Benefits Choice Center at Paid Time Off CARE/Solutions for Life Health Advocate Matching Gift Program 529 Savings Tool Tuition Reimbursement** Adoption Assistance Associate Discounts Quit for Life Tobacco Cessation Program My Health Chat ** Available to full-time hourly and salaried associates only.

10 2012 BIWEEKLY PAYROLL DEDUCTIONS Associate Only Associate + Spouse + Associate Child(ren) Associate + Family GUAM FULL-TIME HOURLY AND SALARIED ASSOCIATES ONLY MEDICAL/VISION PLAN OPTIONS TakeCare PPO $34.75 $94.25 $77.00 $ TakeCare Asia $24.25 $64.25 $52.50 $93.25 ALL GUAM ASSOCIATES DENTAL PLAN OPTIONS TakeCare Dental $24.80 $49.51 $47.13 $65.48 For weekly rates, take the biweekly rates above, multiply by 26, then divide by 52. In some instances your paycheck may not be enough to cover the entire amount of your benefits premiums. In those cases, the amount of the premium above your paycheck is still owed and will be collected from your future paychecks. For all other benefit premiums including the Critical Illness Protection Plan and Spending Account Information, log on to Your Benefits Resources at or call the Benefits Choice Center at In the event of a conflict between this guide and the plan documents or policies, the plan documents or policies will govern. The 2011 Benefits Summary, along with the 2011 Benefits Summary Supplement, is the primary source of information regarding benefits OG_GuamSFTSPT