SCAN TO BE DIRECTLY CONNECTED TO THE ONLINE ENROLLMENT GUIDE AT LIVETHEORANGELIFE.COM

Transcription

1 The Benefits Department The Home Depot 2455 Paces Ferry Road, C-18 Atlanta, GA ACTION NEEDED You must take action for your 2013 benefits! SCAN TO BE DIRECTLY CONNECTED TO THE ONLINE ENROLLMENT GUIDE AT LIVETHEORANGELIFE.COM 2013_CAFTS

2 Win an iphone 5! See inside. Your 2013 Benefits ANNUAL ENROLLMENT GUIDE

3 DEAR ASSOCIATE, We live in a time when rising health care costs and the uncertainty of health care reform present many challenges. While the issues are many, we can each do a part to help. I d like to thank you for your efforts to improve your health, as healthy associates help our Company control costs and help you live a fuller life. Last year, 100,000 associates like you and your spouse or domestic partner participated in our health screenings. Not only did you receive a Healthy Living credit(s), but some of you also learned that you were at risk for conditions you could control, such as diabetes or stroke. I ve heard from many of you about the steps you ve taken to make positive changes in your health, and I continue to wish you much success with your efforts. I d like to encourage you to take time to review this brochure to learn more about the 2013 coverage options offered that best fit your health and lifestyle needs. We consider the core value of taking care of our associates to be extremely important. We want to provide you with the resources to be healthy and productive, both at work and at home. Living well benefits our Company, our customers and most importantly, YOU. Thanks for all you do, Frank Blake No hablas o lees inglés? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al y diga Estados Unidos para hablar con un representante en español. The benefits information in this Annual Enrollment Guide is provided as a service to associates. In the event of a conflict between the information provided in the Annual Enrollment Guide, Benefits Summary and other plan documents or policies, the plan documents or policies will govern. Although The Home Depot established its benefit plans with the intention that they may be maintained indefinitely, the plans may be amended, terminated or discontinued at any time. The Benefits Summary is available at livetheorangelife.com. The FutureBuilder and Health and Welfare Plans Summary Annual Reports have been posted to livetheorangelife.com under the communications tab. The annual Medicare Part D notice has also been posted to livetheorangelife.com under communications and a paper copy can be requested by calling the Benefits Choice Center at The Home Depot

4 2013 BENEFITS OVERVIEW It s time to enroll in your 2013 Home Depot benefits! In 2013, Home Depot is offering you a new benefit plan the Hospital Indemnity Plan that pays a cash benefit if you have an inpatient hospital stay. And, throughout 2013 you can participate in healthy living programs that will help you live a healthier orange life. ACTION NEEDED Enroll by November 30 Quick Look at What s New in 2013 Plan Hospital Indemnity Health Care Spending Account Disability What s New This new plan pays a cash benefit for inpatient hospitalizations. For more information, see page 4. The maximum annual contribution is reduced from $5,000 to $2,500 to comply with the Affordable Care Act. Plan administrator change Aetna Some plans also have payroll deductions changes in 2013 see page 3. Our Healthy Living Programs Are Working! 2012 Hidden Health Risk Screening Results 100,000 associates and spouses/ domestic partners screened in HD Health Challenge Participants... Ate enough fruits and vegetables to fill 161,502 5-gallon Homer Buckets Logged enough hours of exercise to staff 4 stores for 1 year Nearly 30% reduced their number of risk factors Lost enough pounds to equal 4,150 bags of mulch Drank as much water as 789,614 gallons of paint Make livetheorangelife.com a regular stop to learn more about the many FREE healthy living programs available to you and your family. 1

5 2013 Annual Enrollment ACTION ITEMS NOW! In December Review the 2013 benefit information in this guide Get details at livetheorangelife.com in the newly remodeled electronic enrollment guide NEW! Easier navigation NEW! Summary of Benefits and Coverage (SBCs), which lets you easily compare the different medical options* NEW! My Orange Life Pin Board The electronic enrollment guide has a new feature the Orange Life Pin Board where you can post reminders of your favorite benefits and programs to help you improve your health and finances. ENROLL or make changes by your enrollment deadline: November 30 or otherwise you will default to your current coverage (except for Healthy Living Credits and the Spending Accounts) Go to livetheorangelife.com and choose Enroll Now! Elect your Healthy Living Credits Enroll in the Spending Accounts Take the online Health Assessment Register to win an iphone 5 at livetheorangelife.com! Look for information on the 2013 Hidden Health Risk Screenings at your home Use your Pin Board to begin a healthier and wealthier 2013 In January Your 2012 W-2 will show the value of your medical coverage in Box 12, DD. This dollar amount is the total cost you and The Home Depot pay for your coverage. The reporting of the value of your coverage is only informational and does not affect your taxable income. * A paper copy is available through the Benefits Choice Center at

6 2013 BIWEEKLY PAYROLL DEDUCTIONS Full-time Hourly and Salaried Associates Medical & Rx Coverage 1 Medical PPO Plan Options Associate Only Associate + Spouse Associate + Child(ren) Associate + Family Health Net Basic HMO $99.50 $ $ $ Health Net Salud Y Mas $82.25 $ $ $ Kaiser Basic HMO $87.75 $ $ $ Kaiser Standard HMO $ $ $ $ Kaiser High Deductible Health Plan 2 $60.50 $ $99.25 $ Hospital Indemnity Plan Hospital Indemnity Plan 3 $6.90 $13.80 $11.28 $20.04 Full-time Hourly and Salaried Associates Valuable Healthy Living Credits Tobacco-Free Credit + $ $ $ $20.00 Health Assessment & Hidden Health Risk Screening Credit 4 + $ $ $ $50.00 Full-time Hourly and Salaried Associates Dental & Vision Coverage MetLife Dental Options $500 Annual Maximum $6.16 $12.31 $12.46 $18.70 $1,000 Annual Maximum $12.84 $25.67 $25.98 $38.98 $2,000 Annual Maximum $15.91 $31.82 $32.22 $48.32 EyeMed Vision Options Select $120 $2.08 $3.64 $3.78 $6.32 Select $150 $6.79 $12.14 $12.72 $19.98 For all other benefit premiums log on to Your Benefits Resources at livetheorangelife.com or call the Benefits Choice Center at Associates covering 3 or more children under the full-time hourly or salaried Home Depot medical plan will pay an additional $25 per biweekly pay period. 2 The Company will match up to $200 annually for full-time hourly and salaried associates enrolled in associate-only HDHP coverage (up to $400 for associate + dependent coverage). A separate prescription drug election is not required. 3 The Hospital Indemnity Plan is NOT a traditional medical plan but will provide some limited assistance with hospitalization costs. 4 Associate/spouse/domestic partner must be covered under a full-time hourly or salaried Home Depot medical plan, complete the online Health Assessment and elect to complete the Screening in early 2013 to receive the Health Assessment & Hidden Health Risk Screening Credit. For weekly rates, take the biweekly rates and divide by 2. 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. 3

7 NEW for 2013! THE HOSPITAL INDEMNITY PLAN The Home Depot is offering you a new benefit for 2013: the Hospital Indemnity Plan. This new plan pays a cash benefit if you have an inpatient hospital stay. You can enroll yourself and eligible family members in Hospital Indemnity Plan coverage as part of your 2013 benefits package. ACTION NEEDED You must actively enroll to have Hospital Indemnity Plan coverage If you or someone you re close to has ever been an inpatient at a hospital, you know the out-of-pocket expenses for even the shortest stay add up fast. And these expenses often come at a time when you re experiencing a loss of income due to the illness or injury, making it difficult to pay your mortgage, rent, car payment and other expenses. The Hospital Indemnity Plan can help by providing cash if you have an inpatient hospital stay. Cash When You Need It Most The plan is very simple. If you have an inpatient hospital stay, the Hospital Indemnity Plan pays the following benefits: Inpatient Hospitalization Hospitalization Benefit (once per calendar year) $1,000 $100 Per-Day Benefit (up to 100 days per calendar year) The benefit is paid in cash and how you use it is up to you groceries, rent, bills or whatever you need. Here s an example of how the plan would pay benefits for two hospital stays within 2013: 2013 Hospitalizations Hospitalization #1: 6 days Hospitalization #2: 12 days Hospitalization Benefit (once per calendar year) Per-Day Benefit ($100 per day up to 100 days per calendar year) $1,000 $100 x 6 = $600 $1,600 $0 $100 x 12 = $1,200 Enrolling in the Hospital Indemnity Plan Hospital Indemnity Plan Benefit $1,200 If you want Hospital Indemnity Plan coverage, you must actively enroll yourself and any eligible dependents you wish to cover. You can enroll in this plan regardless of whether you have medical coverage through The Home Depot. Insurance plan is underwritten by Aetna Life Insurance Company (referred to as "Aetna") and administered by Aetna or Strategic Resource Company (SRC, an Aetna company). IMPORTANT DISCLOSURE: This plan does not offer comprehensive benefits. It provides limited coverage and is not intended to replace other health insurance coverage. This plan has specific limits and other restrictions on the dollar amounts covered under the plan. Once these limits have been reached, the plan will not pay any more towards this coverage. This Benefits Summary explains these limits. Please read it carefully so that you understand the limits to what the plan will pay before you enroll. 4

8 2013 MEDICAL COVERAGE Each year, The Home Depot reviews the cost efficiency and quality of medical provider networks to ensure they are providing the right care and managing costs to meet our associates needs. Based on your home ZIP Code, you will have access to two or more of the following options in 2013: Watch for KP representatives at your work location soon if you are in a KP service area. Kaiser Basic HMO Health Net Basic HMO Kaiser Standard HMO Health Net Salud HMO y más Kaiser High Deductible Health Plan For more detailed information on KP, visit livetheorangelife.com, click on Annual Enrollment and view the Electronic Enrollment Guide, or you can call Kaiser Permanente at Kaiser Permanente Convenient, Coordinated Care Kaiser Permanente (KP) members take advantage of a health care system based on building a partnership with your personal physician, convenient locations with state-of-the-art facilities, access to medical advice 24/7 and modern technology that makes your health information available to you and your team of KP providers. KP facilities are connected electronically to help coordinate your care. KP doctors, hospitals, labs and pharmacies communicate with each other and work together to provide the best care for every KP member. KP ranks highly in many quality studies visit to learn more. Health Net For more detailed information on the Health Net HMO, visit livetheorangelife.com, click on Annual Enrollment and view the Electronic Enrollment Guide, or you can call Health Net at Your healthcare should be provided in consultation with your doctor. You are solely responsible for choosing a healthcare network and providers that best fit your needs. Neither The Home Depot nor the Medical Plan makes any warranties or makes any representations regarding the quality of such care. 5

9 2013 HEALTHY LIVING CREDITS Don t forget to elect your healthy living credits during your enrollment session. If you enroll in a Home Depot medical plan, you can receive up to $35 in biweekly credits for you and an additional $35 in biweekly credits if you enroll your spouse/domestic partner Healthy Living Credit Overview Credit Biweekly Amount Who is Eligible? Resources ACTION NEEDED You must elect these credits during enrollment Tobacco-free Credit Associate: $10 Spouse: $10 Associate and spouse/domestic partner who have been tobacco-free for 6 months or more (or have never used tobacco) and are covered under a full-time Company medical plan If you need help quitting, The Home Depot offers the Quit For Life Program FREE to associates and covered spouses/domestic partners to help you become tobacco-free. Find out more at livetheorangelife.com. Health Assessment & Hidden Health Risk Screening Credit Associate: $25 Spouse: $25 Associate and spouse/domestic partner who are covered under a full-time Company medical plan and complete the Health Assessment AND participate in the Hidden Health Risk Screening in early 2013 The Hidden Health Risk Screening consists of a simple blood draw, waist measurement and blood pressure measurement. Find out more at livetheorangelife.com. Note: If it is unreasonably difficult to quit using tobacco due to a medical condition or medically inadvisable for the associate/spouse/domestic partner to achieve the standards for the credit, The Home Depot will work with the associate/spouse/domestic partner to develop an alternative. This exception requires a letter from the person s doctor. Associates should contact the Benefits Choice Center at for more information. CONGRATULATIONS to the thousands of associates who reduced their risks and improved their health in 2012! We want to hear your story too! Visit livetheorangelife.com and tell us how you are living a healthier Orange Life. 6

10 These Associates are LIVING A HEALTHIER ORANGE LIFE Here are stories from a few of the many associates who have succeeded in improving their health with the help of programs available through The Home Depot. If you have a story that will inspire your fellow associates, tell us about it on livetheorangelife.com. How John from Store 2771 went from size XXXXL to L! John jumped into action after getting his screening results. With the support of his personal Aetna Health Coach, John took advantage of the special Weight Watchers discount and started exercising regularly. He s trimmed his waist by 10 inches, lost 118 pounds, gone from size XXXXL to L...and gained a great new outlook on life! I found through Home Depot programs like health challenges that by exercising, learning to relax and getting enough sleep, I was able to lose over 40 pounds in 2012! I was able to develop a "PLAN"and create a measurable goal to work toward." Shawntel from Customer Care I am a diabetic. When I started the HD Health Challenge, I weighed 308 lbs. I am now at 291 lbs, my blood sugar is low and my A1C is low enough that I have been able to reduce my medications. EVERY ASPECT OF MY LIFE HAS IMPROVED!! John from Store 909 I lost 21 lbs during the HD Health Challenge, but also my energy level increased, my blood pressure is better and it has helped my breathing. Even my voice coach says she can hear my breathing skills are better, leading to a better singing quality! Lori from Store 1201 The Screenings Made a Difference for Cathy from Store 540 When Cathy s screening revealed several risks, she immediately consulted her doctor. After a cancer scare and several tests, she was diagnosed with Celiac disease. Now Cathy feels great: All my health issues were resolved when I went on a gluten-free diet! I would never have discovered the reason if it hadn't been for the hidden health risk screening! 7 How Ronald from Store 4931 Quit Tobacco Smoking had been a way of life for Ronald for more than 20 years. At one point he quit smoking, but because he didn t change the routines in his daily life, he began to smoke again after about six months. Then Ronald picked up the phone and called Quit for Life. He and his Quit Coach created a Quitting Plan to help him change his daily behaviors so that he steered clear of cigarettes. Today, Ronald is tobacco-free and grateful for the help he received from Quit For Life : They helped me come up with ideas that I could use to help me not smoke when I wanted a cigarette.

11 Other Important Benefits for A HEALTHIER ORANGE LIFE Critical Illness Protection Plan The Critical Illness Protection Plan pays a lump-sum benefit if you or your covered family members are diagnosed with a critical illness, such as a heart attack, stroke, cancer or one of 30 other covered illnesses. You and your family members don t have to answer any medical questions or take any medical tests to enroll. It can help you pay your rent or mortgage, cover bills or make your car payment. Visit livetheorangelife.com and click on Annual Enrollment to learn more in the Electronic Enrollment Guide. Best Doctors 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. Associates and their dependents who are enrolled in a Home Depot medical plan can take advantage of this free, valuable benefit. For more information, call or visit livetheorangelife.com and click on Health Care, then Medical Second Opinion Program. Teladoc Associates and their eligible dependents can speak with a U.S. board-certified Teladoc doctor 24/7/365 to diagnose, treat and prescribe medication, if necessary, for many medical issues via phone or online video. At $5 per consultation for associates and their dependents who are enrolled in a Home Depot medical plan 1 and $38 per consultation for all other associates 2, Teladoc costs you much less than urgent care or ER visits. A Teladoc doctor will call you back in 22 minutes, on average, from the time of your consult request. Examples of conditions you can treat through Teladoc include: Cold and flu symptoms Bronchitis Respiratory infection Urinary tract infection Allergies Poison ivy Sinus problems And more! A Teladoc doctor is just a click or call away. Visit Teladoc.com or call Teladoc ( ). 1 Costs may vary for associates enrolled in the High Deductible Health Plan. 2 Plus a small annual fee; call or go online for details. 8

12 Other Important Benefits for A WEALTHIER ORANGE LIFE FutureBuilder 401(k) Plan 1 How FutureBuilder Helps You Save for Retirement Matching Home Depot contributions once you have completed one year of service (at least 1,000 hours in a 12-month period), the Company contributes $1.50 for every $1 you contribute up to the first 1% of your pay. In addition, you ll receive 50 for every dollar you save from the next 2% to 5% of your pay. Professional investment advice if you would like professional advice on how much to save through FutureBuilder and how to invest your savings in the plan, consider using Financial Engines Investment Advice. A lower tax bill you can lower your tax bill today by making before-tax contributions to FutureBuilder. You pay no taxes on your contributions, the Company matching contributions or your investment earnings until you take the money out of the plan. It s important to thoroughly review the FutureBuilder chapter in the Benefits Summary available at livetheorangelife.com for complete information about how the plan works. Bright Horizons Back-up Care Advantage Program The Home Depot has partnered with Bright Horizons to offer high-quality back-up dependent care when you need to be at work and your regular child or adult/elder care is unavailable. Associates have access to the following back-up care programs: Center-based child care In-home child care (including for mildly ill child) In-home adult/elder care Once you have been with the Company for one year, you will receive up to 10 days of care per year through a nationwide network of quality providers at deeply discounted rates. Visit livetheorangelife.com >Financial Wellness>Manage to learn more. 1 You can begin making before-tax and/or Roth after-tax contributions when you complete 90 days of service. 9