Part-time Hourly Benefits Summary - Home Depot Live The Orange

179 Pages·2009·4.71 MB·English

“I LIVE the Orange LIFE!”
That’s the power of your Home Depot benefits.
2010 Benefits Summary for U.S. Part-Time Hourly Associates
Kristen Archer from Store 3810 in Canton, OH shares the power of
The Home Depot by helping a grieving widow. Another extraordinary
way our associates live the Orange Life.
What’s inside
Remember!
1 Life Events
10 Eligibility and Enrollment
NO Enrollment =
21 Benefits for Same-sex Domestic Partners
27 Medical NO Coverage!!
40 Hawaii Medical
54 Hospital Indemnity
59 Dental
71 Vision
81 Term Life Insurance
85 Disability for Part-Time Hourly Associates
89 FutureBuilder
123 Employee Stock Purchase Plan IMPORTANT NOTICE
134 Work/Life Benefits This 2010 Benefits Summary contains an important notice
140 Time-Off Benefits about your prescription drug coverage and Medicare.
141 Leaves of Absence
You will find this notice in the Medicare Part D
142 COBRA Coverage
chapter in the back of this book.
150 Claims and Appeals
160 Plan Administration
166 Medicare Part D
170 HIPAA Notice ¿No habla o lee inglés?
Por favor llame al Benefits Choice Center (Centro de Opción
de Beneficios) al 1-800-555-4954 y diga “Estados Unidos” para
hablar con un representante en español.
The Company benefit plans also provide benefits to the following groups of associates
of Home Depot U.S.A., Inc. and its affiliates in the U.S., who receive different versions
of the Benefits Summary: full-time hourly and salaried associates. The Company
benefit plans also provide benefits to full-time hourly, part-time hourly and salaried
associates in the Company’s affiliates in Guam, Puerto Rico and St. Thomas, who receive
different versions of the 2010 Benefits Summary.
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Life Events
U.S. Part-Time Hourly Associates and THD At-Home Services
100% Commission Associates with Under One Year of Service
Chapter Contents
2 Life Events 5 Loss of Coverage Due to Moving
3 Marriage
6 Gain or Loss of Other Coverage
3 Divorce/Legal Separation/Annulment
8 Lifetime Limit Reached
4 Judgement, Order or Decree, including a Qualified Medical
8 Change of Employment Status
Child Support Order (QMCSO)
8 Military Leave
4 Birth
9 Leaves of Absence
5 Adoption, Placement or Termination of Adoption
5 Death of…
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Life Events � � � � � � � � � �� �� � � � � � �
Get the Most Value from Your Plan
What do you need? Find it here...
Notify the Benefits Choice Center that you have had Call the Benefits Choice Center at 1-800-555-4954 and speak with a representative
a qualified status change
Make changes in your benefits after qualified status change Go to Your Benefits Resources at http://resources.hewitt.com/homedepot; or call the Benefits Choice
Center at 1-800-555-4954
Remember that all election changes made as a For purposes of this Life Events chapter, your
Life Events
result of a life event must be made within 30 days spouse means your spouse as defined in the
Although, due to IRS regulations, you are generally
after the date of the event unless noted otherwise. Eligibility and Enrollment chapter, and references
not permitted to make midyear election changes
to your child or children only include your own chil-
during the year for benefits paid through a cafeteria If you experience a qualified status change, your
dren, and do not include the child(ren) of your same-
plan on a pre-tax basis, the IRS does allow election requested change in benefits must be consistent
sex domestic partner. In addition, references to your
changes to be made during the year on account of with, and correspond to, the qualified status change.
dependents do not include your same-sex domestic
and consistent with certain life events (also referred For example, if you are divorced and had been
partner or his or her child(ren) regardless of whether
to in this book as qualified status changes). This covered under your spouse’s medical plan, it
they are considered your dependents under other
section outlines the life events which may permit would be consistent to elect coverage under the
chapters in this summary.
you to make election changes to the benefits provided Company’s Medical Plan. However, if you did not lose
to you by the Company. Use the charts to help guide coverage as a result of the divorce, it would For information on benefits for your same-sex domes-
you through the benefit coverages you may need not be consistent for you to elect medical coverage. tic partner, see the Benefits for Same-sex
to change following a particular life event. Absent Domestic Partners chapter.
a qualified status change, no mid-year election
Note: the Plan Administrator may also permit any
changes can be made.
other changes provided for under the Plan document
in addition to those listed in these charts.
U.S. Part-Time Hourly Associates 2 For help, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
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Life Events � � � � � � � � � �� �� � � � � � �
You can change your benefits as follows:
If you have You may be asked
the following to provide the You must notify the Medical, Hospital Term Life Insurance,
change in Benefits Choice Benefits Choice Center Indemnity Plan, Long-term Care, Legal
status… Center with… within 30 days after… Dental, Vision Services Plan1,2 Disability2
Marriage
You wish to add Marriage certificate if Date of marriage Can add coverage for self, Can add or increase coverage Not applicable
self, spouse different last name spouse and/or children and for self, spouse and/or children
and/or children change option (e.g.,Standard
to Premium Plus)
You wish to drop Marriage certificate Date of marriage or date new Can drop coverage for self Can drop or decrease
coverage coverage gained, whichever is and/or children, if covered coverage for self, spouse
later under spouse’s employer’s and/or children
plan
Divorce/Legal Separation/Annulment
You wish to drop Final divorce decree or Date of decree Can drop coverage for Can add, increase, drop or Not applicable
your dependents’ legal separation decree children with proof of decrease coverage for self
coverage under with official court signature coverage under other and/or children
the plan parent’s plan
You must drop Proof of coverage under
coverage for other parent’s plan if you
spouse and any wish to drop coverage for
stepchildren who eligible children
cease to be your
dependents
You wish to add Final divorce decree or Can add or change coverage Can add or increase coverage
self and/or your legal separation decree option for self and/or children for self and/or children
eligible children with official court signature if you or at least one child
under the plan has lost coverage under
spouse’s plan
1 A Statement of Health (SOH) is required for all associates who do not enroll in the Long-term Care Plan when first eligible, and for dependents under the Long-term Care Plan.
2 Must be actively at work for coverage to take effect.
U.S. Part-Time Hourly Associates 3 For help, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
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Life Events � � � � � � � � � �� �� � � � � � �
You can change your benefits as follows:
If you have You may be asked
the following to provide the You must notify the Medical, Hospital Term Life Insurance,
change in Benefits Choice Benefits Choice Center Indemnity Plan, Long-term Care, Legal
status… Center with… within 30 days after… Dental, Vision Services Plan1,2 Disability2
Judgement, Order or Decree, including a Qualified Medical Child Support Order (QMCSO)3
Requires Approved court order, Issuance of a court order Coverage is automatically No change permitted Not applicable
coverage for judgement or decree added for child(ren) and
your child requiring coverage Coverage will start as soon as self, if not enrolled, as
under this plan order is approved specified by the judgement,
order or decree
Medical Plan option may
change to provide required
coverage
Requires Approved order requiring Date other employer plan Drop coverage for child(ren)
coverage of coverage accepts the order covered by the order
your child under
spouse’s plan
Birth
You wish to add Birth certificate Date of birth Can add coverage for Can add or increase Not applicable
self, spouse new child, self, other coverage for self, spouse
and/or new child children and spouse and/or and/or children
change coverage option
You wish to drop Proof of other coverage Can drop coverage for No change permitted
coverage for self, under spouse’s plan and self, spouse and/or
spouse or other birth certificate dependents if you gain
children and coverage under spouse’s
cover under plan following birth
spouse’s plan
1 A Statement of Health (SOH) is required for all associates who do not enroll in the Long-term Care Plan when first eligible, and for dependents under the Long-term Care Plan.
2 Must be actively at work for coverage to take effect.
3 A QMCSO may require coverage for your child, but not for your spouse or former spouse.
U.S. Part-Time Hourly Associates 4 For help, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
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Life Events � � � � � � � � � �� �� � � � � � �
You can change your benefits as follows:
You may be asked Term Life Insurance,
to provide the You must notify the Long-term Care,
If you have the following Benefits Choice Benefits Choice Center Medical, Hospital Indemnity Legal Services
change in status… Center with… within 30 days after… Plan, Dental, Vision Plan1,2 Disability2
Adoption, Placement or Termination of Adoption
You wish to add self, Final adoption decree or Date of adoption or place- Can add self, spouse and/or Can add or increase Not applicable
spouse and/or new child legal documentation of ment child(ren) and change coverage coverage for self, spouse
placement option and/or child
You wish to drop coverage Can drop coverage for self, spouse No change permitted
and cover child under and/or other dependents if become
spouse’s plan covered under spouse’s plan
You wish to drop Must drop coverage for child who Drop affected child only
coverage due to ceases to be an eligible dependent
termination of
adoption proceedings
Death of…
Your dependent covered Death certificate Date of death Must drop coverage for dependent Must drop coverage for Not applicable
under a Home Depot plan who died dependent who died, can
drop or decrease your
coverage
Your spouse and you and/or Date coverage ends with Can add coverage for self and/or Can add or increase
your children lose coverage other employer children or change coverage option coverage for self and
under your spouse’s plan if you or any child lost coverage children
under spouse’s plan
Loss of Coverage Due to Moving
You, your spouse and/or Address must be Your move to new ZIP code Can add or drop coverage for you, No change permitted Not applicable
your dependent changes updated in payroll your spouse or child(ren) and/or
place of residence causing system change coverage options
a loss of coverage in this
plan or a spouse’s plan
1 A Statement of Health is required for all associates who do not enroll in the Long-term Care Plan when first eligible, and for dependents under the Long-term Care Plan.
2 Must be actively at work for coverage to take effect.
U.S. Part-Time Hourly Associates 5 For help, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
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Life Events � � � � � � � � � �� �� � � � � � �
You can change your benefits as follows:
You may be asked Term Life
to provide the You must notify the Medical, Hospital Insurance, Long-
If you have the following Benefits Choice Benefits Choice Center Indemnity Plan, term Care, Legal
change in status… Center with… within 30 days after… Dental, Vision Services Plan1,2 Disability2
Gain or Loss of Other Coverage3
Gain of coverage due to spouse’s Proof of gain of Effective date of Can drop or decrease coverage Can stop or decrease Not applicable
employer’s period of coverage coverage coverage gained for self, spouse and/or children if coverage for self, spouse
differing from Home Depot’s period become covered under spouse’s and/or children
of coverage plan
Loss of coverage due to spouse’s Proof of loss of Effective date of Can add or increase coverage Can add or increase
employer’s period of coverage coverage coverage lost for self, spouse and/or children coverage for self, spouse
differing from Home Depot’s period if coverage is lost under the and/or children
of coverage spouse’s plan
Gain coverage due to change Proof of other Date coverage begins with Can drop or decrease coverage Can drop or decrease
in spouse’s or dependent’s coverage other employer for self, spouse and/or children if coverage for self, spouse
employment covered under newly available plan and/or children
Loss of coverage due to child’s Proof of loss of Effective date of You must drop coverage for Can stop or decrease
loss of eligibility under the Home coverage coverage lost dependent child coverage for self, spouse
Depot plans and/or children
You, your child or dependent Proof of loss of Effective date of Can add coverage and/or change Can add or increase
lose coverage under another coverage coverage lost coverage for you, your spouse or coverage for self, spouse
health plan because it no longer your children and/or children
offers benefits to similarly
situated individuals
Loss of coverage due to you, Proof of loss of Date coverage ends Can add or increase coverage Can add or increase
your spouse’s or your coverage for self, spouse and/or children coverage for self,spouse,
dependent’s loss of eligibility or change coverage option if you and/or children
under another health plan4 add affected dependent
Loss of coverage due to action Proof of loss of Date other coverage Can add or increase coverage for Can add or increase
of other employer by termination coverage involuntarily ends self, spouse and/or children or coverage for self, spouse
of all plans of the same type change coverage option if each and/or children
or by ceasing all employer had been covered under the
contributions of coverage that spouse’s plan
is not COBRA coverage
1 A Statement of Health (SOH) is required for all associates who do not enroll in the Long-term Care Plan when first eligible, and for all dependents under the Long-term Care Plan.
2 Must be actively at work for coverage to take effect.
3 You must notify the Benefits Choice Center after the loss of coverage has occurred but before the 30 days have passed since that loss of coverage.
4 Loss of eligibility does not include loss of coverage due to failure to pay premiums on a timely basis or termination for cause (such as making fraudulent claims).
U.S. Part-Time Hourly Associates 6 For help, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
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Life Events � � � � � � � � � �� �� � � � � � �
You can change your benefits as follows:
You may be asked You must notify the Term Life
to provide the Benefits Choice Insurance, Long-term
If you have the following Benefits Choice Center within 30 Medical, Hospital Indemnity Care, Legal Services
change in status… Center with… days after… Plan, Dental, Vision Plan1,2 Disability2
Gain or Loss of Other Coverage3
Loss of coverage due to the Proof of loss of Date COBRA coverage Can add coverage for self, spouse No change permitted Not applicable
exhaustion of COBRA cover- COBRA coverage ends with other employer and/or children or change coverage
age4 option if covered under the spouse’s
plan4
Spouse’s employer eliminates Proof of elimination or Effective date of change If option is eliminated, can add cover-
or adds a benefit option (e.g., addition of benefit age for self, spouse and/or children
HMO, PPO, POS or Indemnity) option and proof that If option is added, can drop coverage for
no similar option is self, spouse and/or children if covered
offered under new option
You, your spouse or dependent Proof of loss of Date when coverage Can add or increase coverage for self,
lose coverage under Medicare Medicare or Medicaid ends spouse and/or children who lost
or Medicaid, and you wish to coverage coverage under Medicare or Medicaid
add coverage (medical only)3
You, your spouse or dependent Proof of Medicare Date when Medicare or Can drop or decrease coverage for
gain coverage by Medicare or Medicaid coverage Medicaid coverage self, spouse and/or children covered
or Medicaid, and you wish begins by Medicare or Medicaid
to drop coverage (medical only)
Gain eligibility under Medicaid Proof of Medicaid or You must notify the BCC Can drop or decrease coverage for No change permitted Not applicable
or CHIP CHIP coverage within 60 days after the self, spouse and/or children covered by
date you become eligible Medicaid or CHIP (medical only)
for Medicaid or CHIP
Lose coverage under Medicaid Proof of loss of You must notify the BCC Can add or increase coverage for
or CHIP Medicaid or CHIP within 60 days after the self, spouse and/or children who lost
coverage date when Medicaid or coverage under Medicaid or CHIP
CHIP coverage ends (medical only)
1 A Statement of Health (SOH) is required for all associates who do not enroll in the Long-term Care Plan when first eligible, and for all dependents under the Long-term Care Plan.
2 Must be actively at work for coverage to take effect.
3 You must notify the Benefits Choice Center after the loss of coverage has occurred but before the 30 days have passed since that loss of coverage.
4 Exhaustion of COBRA means that an individual’s COBRA continuation coverage ceases for any reason other than either failure of the individual to pay premiums on a timely basis, or for cause
(such as making a fraudulent claim for an intentional misrepresentation of a material fact in connection with the plan).
U.S. Part-Time Hourly Associates 7 For help, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
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Life Events � � � � � � � � � �� �� � � � � � �
You can change your benefits as follows:
You may be asked You must notify the
to provide the Benefits Choice Term Life Insurance,
If you have the following Benefits Choice Center within 30 Medical, Hospital Indemnity Long-term Care, Legal
change in status… Center with… days after… Plan, Dental, Vision Services Plan1,2 Disability2
Lifetime Limit Reached
You, your spouse, or your Proof that lifetime Date lifetime limit Can add coverage and/or change No change permitted Not applicable
dependent has a claim for limit has been reached coverage option for you, your
benefits denied due to reaching reached spouse or your child(ren)
a lifetime limit on all benefits
under another health plan3
You, your spouse, or your Proof that lifetime Date lifetime limit Can add coverage and/or change
dependent has a claim for limit has been reached coverage option for you, your
benefits denied due to reaching reached spouse or your child(ren)
a lifetime limit on all benefits
under a Home Depot medical
coverage option3
Change of Employment Status
Part-time to Full-time The later of date of Part-time benefits coverage ends except Vision, Long-term Care You are automatically
employment status and Legal Services Plan participation. Can enroll self, spouse enrolled in coverage when
change or eligibility date and/or children in full-time benefits. See the Full-time first eligible
Hourly/Salary Benefits Summary.
See the Disability chapter
Full-time to Part-time Full-time benefits coverage ends except Vision, Long-term Care for more information on
and Legal Services Plan participation. Can enroll self, spouse coverage changes once
and/or children in part-time benefits. See this Benefits Summary. enrolled
Military Leave
Leaving for and returning from Proof of military leave Date leave begins or Coverage before leave will Coverage before leave will Not applicable
a military leave of absence date leave ends automatically be reinstated automatically be reinstated
within the same calendar year OR OR
Can add coverage and/or change Can add coverage and/or
coverage for you, your spouse or change coverage for you,
your children your spouse or your children
Leaving for and returning from Proof of military leave Can add coverage Can add coverage and/or change Can add or increase cover-
a military leave of absence in a and/or change coverage coverage for you, your spouse or age for self, spouse and/or
subsequent year for you, your spouse or your children children
your children
1 A Statement of Health (SOH) is required for all associates who do not enroll in the Long-term Care Plan when first eligible, and for all dependents under the Long-term Care Plan.
2 Must be actively at work for coverage to take effect.
3 Associates must notify the BBC within 30 days of the date he/she receives notice that a claim was denied due to the application of the lifetime limit.
U.S. Part-Time Hourly Associates 8 For help, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954