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

149 Pages·2010·3.75 MB·English

“I LIVE the Orange LIFE!”
That’s the power of your Home Depot benefits.
2010 Benefits Summary for U.S. Virgin Islands 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
1 Life Events
10 Eligibility and Enrollment
19 Same-sex Domestic Partners
25 Medical
33 Dental
45 Vision
54 Term Life Insurance
58 Disability
62 FutureBuilder
96 Employee Stock Purchase Plan
107 Work/Life Benefits
112 Time-Off Benefits IMPORTANT NOTICE
113 Leaves of Absence This 2010 Benefits Summary contains an important notice
114 COBRA Coverage about your prescription drug coverage and Medicare.
122 Claims and Appeals
You will find this notice in the Medicare Part D
131 Plan Administration
chapter in the back of this book.
137 Medicare Part D
140 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. Virgin Islands, who receive different versions
of the Benefits Summary: U.S. Virgin Islands full-time hourly and salaried associates. The
Company benefit plans also provide benefits to full-time hourly, part-time hourly and salaried
associates, COBRA full-time hourly and salaried associates and COBRA part-time hourly asso-
ciates in the U.S. and the Company’s affiliates in Guam and Puerto Rico, who receive different
versions of the 2010 Benefits Summary.
Your Benefits Resources™ Web site
• Available 24 hours a day, 7 days a week, from any computer with Internet access
• Get information about your benefit plans and check your benefit coverage
• Change your coverage if you marry, divorce, have a baby or adopt a child
• Enroll in benefits during your eligibility period as a new associate or during Annual Enrollment
• Enroll in FutureBuilder and access your account
Creating your benefits password What if you forget your password?
The first time you log on to the Your Benefits • If you use the Your Benefits Resources Web site,
Resources Web site or call the Benefits Choice you can enter a hint when creating the password
Center, you’ll create a password. You’ll use this to help you remember your password later.
password each time you call or access the Web • You can speak to a Benefits Choice Center repre-
site. This is not the password or PIN printed on sentative and reset your password immediately
your paycheck. by providing the identification information above.
Your password You can use the Your Benefits Resources Web site
• Can contain numbers, letters or both and the automated telephone system to request a
• Can be between 4 and 20 characters long new password. You will receive a temporary pass-
• Can be the same as your paycheck PIN word in the mail within 7–10 days.
When creating your password, you will be asked Your password prevents unauthorized people from
to provide the following identification information accessing or changing your benefits, including your
for security purposes: Social Security number, FutureBuilder account contribution elections and
birth date, home ZIP code and date of hire. investments. In order to ensure your privacy, be
sure to keep your password in a safe place, and
do not share your password with anyone.
LOG ONTO YOUR BENEFITS RESOURCES AT http://resources.hewitt.com/homedepot
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Life Events
Virgin Islands Part-Time Hourly Associates
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 within 30 days of your Call the Benefits Choice Center at 1-800-555-4954 and speak with a representative
qualified status change
Make allowed changes in your benefits after qualified Go to Your Benefits Resources at http://resources.hewitt.com/homedepot; or call
status change the Benefits Choice Center at 1-800-555-4954
If you experience a qualified status change, your For purposes of this Life Events chapter, your
Life Events
requested change in benefits must be consistent spouse means your spouse as defined in the
Although, due to tax regulations, you are generally
with, and correspond to, the qualified status change. Eligibility and Enrollment chapter, and references
not permitted to make midyear election changes for
For example, if you are divorced and had been to your child or children only include your own chil-
benefits paid through a cafeteria plan on a pre-tax
covered under your spouse’s medical plan, it dren, and do not include the child(ren) of your same-
basis, election changes are allowed during the year
would be consistent to elect coverage under the sex domestic partner. In addition, references to your
on account of and consistent with certain life events
Company’s Medical Plan. However, if you did not dependents do not include your same-sex domestic
(also referred to in this book as qualified status
lose coverage as a result of the divorce, it would partner or his or her child(ren) regardless of whether
changes). This section outlines the life events which
not be consistent for you to elect medical coverage. they are considered your dependents under other
may permit you to make election changes to the
chapters in this summary.
benefits provided to you by the Company. Use
the charts to help guide you through the benefit For information on benefits for your same-sex domes-
coverages you may need to change following a tic partner, see the Benefits for Same-sex
particular life event. Absent a qualified status change, Domestic Partners chapter.
no mid-year election changes can be made.
Note: the Plan Administrator may also permit any
Remember that all election changes made as a other changes provided for under the Plan document
result of a life event must be made within 30 days in addition to those listed in these charts.
after the date of the event unless noted otherwise.
Virgin Islands 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 Term Life Insurance,
change in Benefits Choice Benefits Choice Center Long-term Care, Legal
status… Center with… within 30 days after… Medical, 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 option3
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
Proof of coverage under
You must drop other parent’s plan if you
coverage for wish to drop coverage for
spouse and any eligible children
stepchildren who
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 plan3
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 Medical coverage is available to associates only. Dependents of associates are eligible for dental and vision coverage—dependents cannot be enrolled in the company medical plan.
Virgin Islands 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 Term Life Insurance,
change in Benefits Choice Benefits Choice Center Long-term Care, Legal
status… Center with… within 30 days after… Medical, 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 decree4
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 option4
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.
4 Medical coverage is available to associates only. Dependents of associates are eligible for dental and vision coverage—dependents cannot be enrolled in the company medical plan.
Virgin Islands 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 Legal Services
change in status… Center with… within 30 days after… Medical, 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 option3 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 plan3
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 options3
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.
3 Medical coverage is available to associates only. Dependents of associates are eligible for dental and vision coverage—dependents cannot be enrolled in the company medical plan.
Virgin Islands 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 You must notify the Term Life
to provide the Benefits Choice Insurance, Long-
If you have the following Benefits Choice Center within 30 days term Care, Legal
change in status… Center with… after… Medical, 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 plan5
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 plan5
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 plan5 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 coverage coverage lost dependent child coverage for self, spouse
Home 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 children5 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 dependent5
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 plan5
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).
5 Medical coverage is available to associates only. Dependents of associates are eligible for dental and vision coverage—dependents cannot be enrolled in the company medical plan.
Virgin Islands 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 Care, Legal Services
change in status… Center with… days after… Medical, 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
plan4,5
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 children6
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)3,5
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)5
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).
5 Medical coverage is available to associates only. Dependents of associates are eligible for dental and vision coverage—dependents cannot be enrolled in the company medical plan.
Virgin Islands Part-Time Hourly Associates 7 For help, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954