2018 Associate Benefits Book - Walmart

2018 Associate

Benefits Book

Summary Plan Description

What's inside

Medical plan Pharmacy benefit

Dental plan Vision plan

Life insurance and disability Walmart 401(k) Plan

Effective January 1, 2018

Resources for Living? ...and much more!

Table of contents

Eligibility and enrollment

4 Accidental death and dismemberment

158

(AD&D) insurance Eligibility and benefits for associates in Hawaii 38

The medical plan

Business travel accident insurance

164

44

The pharmacy benefit

Shortterm disability for hourly associates

170

86

Health Savings Account

Salaried short-term disability plan

178

94

The dental plan

Truck driver shortterm disability plan

186

102

The vision plan

Longterm disability

194

110

COBRA

Truck driver longterm disability

202

116

Resources for Living?

The Associate Stock Purchase Plan (ASPP)

210

124

Critical illness insurance

The Walmart 401(k) Plan

224

128

Claims and appeals

246

Accident insurance

134

Legal information

264

Companypaid life insurance

140

Glossary of terms

278

Optional associate life insurance

146

For more information

286

Optional dependent life insurance

152

Information obtained during calls to WalMart Stores, Inc. or to any Plan service provider does not waive any provision or limitation of the Plan. Information given or statements made on a call or in an email do not guarantee payment of benefits. In addition, benefits quotes that are given by phone are based wholly on the information supplied at the time. If additional relevant information is discovered, it may affect payment of your claim. All benefits are subject to eligibility, payment of premiums, limitations and all exclusions outlined in the applicable Plan documents, including any insurance policies. You can request a copy of the documents governing these plans by writing to: Custodian of Records, People Services, 508 SW 8th Street, Bentonville, Arkansas 727163500.

Atenci?n Asociados Hispanos: Este folleto contiene un resumen en ingl?s de los derechos y beneficios para todos los asociados bajo el plan de beneficios de Walmart. Si Ud tiene dificultades para entender cualquier parte de este folleto puede dirigirse a la siguiente direcci?n: People Services, 508 SW 8th Street, Bentonville, Arkansas 727163500.

O puede llamar para cualquier pregunta al 8004211362. Tenemos asociados quienes hablan Espa?ol y pueden ayudarles a Ud comprender sus beneficios de Walmart. El Libro de beneficios para asociados esta disponible en Espa?ol. Si usted desea una copia en Espa?ol, favor de ver su Representante de Personal.

2018 Associate Benefits Book | Questions? Log on to or the WIRE, or call People Services at 800-421-1362

Welcome to your 2018 Associate Benefits Book

This is where you'll find Summary Plan Descriptions (SPDs) for the Associates' Health and Welfare Plan (aka the Plan) and the Walmart 401(k) Plan. It's a great resource to help you understand your benefits, so take a little bit of time and get to know them.

Lots of information. So easy to find.

When you download the 2018 Associate Benefits Book PDF from the WIRE or , getting answers to your benefits questions is easy and fast. To find what you need, just launch the PDF with Adobe Reader and click "edit" on the top toolbar. Then click "search." From there, just type in what you're looking for. Want to know about coverage for preventive care? Type in "preventive" and click "search." You'll get instant results!

Eligibility and enrollment

WHERE CAN I FIND?

The Associates' Health and Welfare Plan

6

Associate eligibility

6

Parttime hourly and temporary associates: eligibility checks for medical coverage

8

Dependent eligibility

9

Dependents who are not eligible

10

Legal documentation for dependent coverage

10

When your dependent becomes ineligible

10

When you enroll for benefits

10

When coverage is effective

12

Effective dates for benefits under the Plan

12

Enrollment and effective dates by job classification

13

Paying for your benefits

19

Tobacco rates

19

Benefits continuation if you go on a leave of absence

20

Benefits continuation if you have an approved disability claim

21

Changing your benefits during the year: status change events

21

Making changes in your coverage as a result of status change events

23

If your job classification changes

24

Coverage effective dates when transferring from one job classification to another

25

Qualified Medical Child Support Orders (QMCSO)

36

When your Plan coverage ends

37

If you have Medicare or will become eligible for Medicare in the next 12 months, you have more choices for your prescription drug coverage. See page 271 in the Legal information chapter for more details.

2018 Associate Benefits Book | Questions? Log on to or the WIRE, or call People Services at 800-421-1362

5

Eligibility and enrollment

Eligibility and enrollment

ELIGIBILITY AND ENROLLMENT RESOURCES

Find What You Need

Enroll in Walmart benefits

Notify People Services within 60 days of a status change event, such as a dependent losing eligibility under the Plan

Notify People Services if you have questions about the payroll deductions for your benefits

Reinstate coverage upon your return from a military leave

Pay premiums for benefits while on a leave of absence

Online

Go to the WIRE, or Workday

Go to the WIRE, or Workday

Other Resources

Call People Services at 8004211362

Call People Services at 8004211362

Call People Services at 8004211362

Call People Services at 8004211362

If you have an approved shortterm disability claim through Sedgwick, your premiums will be deducted out of your disability benefit check through payroll. Otherwise, send a check or money order payable to the Associates' Health and Welfare Trust to: Walmart People Services P.O. Box 1039 Department 3001 Lowell, Arkansas 72745 Please be sure to include your name, insurance ID number (found on your plan ID card) or your WIN (Walmart ID) number (if you have HMO coverage) and your facility number on your payment to ensure timely posting of your payment. You may also pay by debit or credit card with a Visa, MasterCard or Discover card by calling 8004211362 and saying "make a payment."

What you need to know about eligibility and enrollment

? You can enroll for benefits during your initial enrollment period as a newly eligible associate, during annual enrollment and when you have a status change event.

? When your initial enrollment period begins depends on your job classification. Changes to your job classification may affect your initial enrollment period. Eligibility and benefits information specific to associates in Hawaii is explained in the Eligibility and benefits for associates in Hawaii chapter.

? If you enroll in certain benefits (such as life insurance) after your initial enrollment period, your benefits may be affected.

? Medical, dental, vision, critical illness, accident, and accidental death and dismemberment (AD&D) insurance coverage cannot be changed except during annual enrollment, unless you have a status change event.

? If you choose to enroll in shortterm disability enhanced plan coverage or longterm disability coverage options, you may drop your coverage at any time, but you will only be able to add this coverage during your initial enrollment period, annual enrollment or with a status change event.

? If you have an approved shortterm disability claim, your premiums for medical, dental, vision, AD&D, optional associate and dependent life insurance, critical illness and accident coverage may be deducted out of your benefit checks, which will be issued through the Walmart payroll system.

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