2020 Associate Benefits Book - Walmart
[Pages:340]2020 Associate Benefits Book
Summary Plan Descriptions with 2021 Summaries of Material Modifications
What's inside
Medical plan Pharmacy benefit Dental plan Vision plan
Life insurance and disability plans Associate Stock Purchase Plan Walmart 401(k) Plan 2021 Summaries of Material Modifications
Effective January 1, 2020
Walmart 401(k) Plan effective February 1, 2020
Version 4.5 | Nov. 2020
Table of contents
Eligibility and enrollment
4
Eligibility and benefits for associates in Hawaii
38
The medical plan
44
The pharmacy benefit
92
Health savings account (HSA)
98
The dental plan
106
The vision plan
116
COBRA
122
Resources for Living?
130
Critical illness insurance
134
Accident insurance
140
Companypaid life insurance
148
Optional associate life insurance
154
Optional dependent life insurance
160
Accidental death and dismemberment
(AD&D) insurance
166
Business travel accident insurance
174
Shortterm disability for full-time hourly associates 180
Salaried short-term disability plan
190
Truck driver shortterm disability plan
198
Longterm disability
206
Truck driver longterm disability
214
The Associate Stock Purchase Plan (ASPP)
222
The Walmart 401(k) Plan
234
Claims and appeals
260
Legal information
280
Glossary
294
2021 Summaries of Material Modifications
296
For more information
338
Information obtained during communications with Walmart Inc. or any Plan service provider does not waive any provision or limitation of the Plan. Information given or statements made through any form of communication 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 losasociados bajo el plan de beneficios de Walmart. Si Ud tienedificultades para entender cualquier parte de este folletopuede 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.
2020 Associate Benefits Book | Questions? Log on to One. or call People Services at 800-421-1362
3
Welcome to your 2020 Associate Benefits Book
This is where you'll find the Summary Plan Descriptions (SPDs) for the Associates' Health and Welfare Plan (the Plan), and the Walmart 401(k) Plan.
The prospectus for the Associate Stock Purchase Plan is here, too.
Check out the table of contents for a complete list of what you'll find in this book. It's a great resource to help you understand your benefits.
This is also where you'll find the 2021 Summary of Material Modifications to the Associates' Health and Welfare Plan and the 2021 Summary of Material Modifications to the Walmart 401(k) Plan. The addition of these "SMMs" brings the 2020 Associate Benefits Book up to date for another year. You'll find the SMMs on page 296, along with several important legal notices.
Throughout this book you'll also see many spots where we have alerted you to details that have been updated in one of the SMMs--look for the page icon like the one to the left. When you see that, you'll know where to turn to find the most current information.
Lots of information. So easy to find.
When you download the 2020 Associate Benefits Book from One., you'll have answers to your benefit questions at your fingertips.
Just launch the PDF with Adobe Reader and click "Edit" on the toolbar. Then click "Find," and enter a word or phrase that describes what you're looking for, like "preventive" or "copay." Easy!
Key words
Many of the terms used throughout the 2020 Associate Benefits Book may be unfamiliar to you, or have specific meanings within the context of the Plans. You'll find many of them defined in the Glossary on page 294, and we have also included important definitions at critical points throughout the text.
Eligibility and enrollment
The Associates' Health and Welfare Plan
6
Associate eligibility
6
Part-time hourly and temporary associates: eligibility checks for medical benefits
7
Dependent eligibility
9
Legal documentation for dependent coverage
10
Dependents who are not eligible
10
When your dependent becomes ineligible
10
When you enroll for benefits
10
When coverage is effective
11
If you leave the company and are rehired
12
Effective dates for benefits under the Plan
12
Enrollment and effective dates by job classification
13
Paying for your benefits
18
Tobacco rates
19
Continuing benefit coverage if you go on a leave of absence
19
Continuing benefit coverage while disabled
20
Status change events
21
If your job classification changes
24
Transferring from one job classification to another
24
Qualified Medical Child Support Orders (QMCSO)
36
When your Plan coverage ends
36
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 287 in the Legal information chapter for more details. See page 332
2020 Associate Benefits Book | Questions? Log on to One. or call People Services at 800-421-1362
Eligibility and enrollment
5
Eligibility and enrollment
RESOURCES
Find What You Need
Online
? Enroll in Walmart benefits ? Notify People Services within 60
days of a status change event
Notify People Services if you have questions about the payroll deductions for your benefits
Pay premiums for benefits while on a leave of absence
Go to One. or Workday for Jet associates
Other Resources
Call People Services at 800-421-1362
Call People Services at 800-421-1362
See Continuing benefit coverage if you go on a leave of absence in this chapter for detailed information. If you are required to pay your premiums to keep coverage current, you must pay the premiums to keep coverage current. You may pay by credit or debit card with a Visa, MasterCard, American Express, or Discover card by calling 800-421-1362 and saying "make a payment." You may also 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 To ensure timely posting of your payment, be sure to include your WIN (Walmart ID) number on the check.
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, or when you have a status change event.
? Your job classification (or changes to your job classification) determines when your initial enrollment period begins. If you are a Hawaii associate, see the Eligibility and benefits for associates in Hawaii chapter.
? Medical, dental, vision, critical illness, accident, and accidental death and dismemberment (AD&D) insurance benefits cannot be changed except during Annual Enrollment or after you have a status change event.
? If you choose to enroll in the short-term disability enhanced, long-term disability, or truck driver long-term disability benefits options, you may drop your coverage at any time, but you will only be able to add this coverage again during an initial enrollment period, Annual Enrollment, or when you have a status change event.
? You may enroll in, drop, or change optional life insurance benefits at any time but if you enroll after your initial enrollment period, you will have to provide Proof of Good Health.
See page 298
Eligibility and enrollment
6
The Associates' Health and Welfare Plan
The Associates' Health and Welfare Plan (the Plan) is a comprehensive employee benefit plan that offers medical, dental, vision, critical illness insurance, accident insurance, AD&D, business travel accident insurance, life insurance, disability, and Resources for Living (employee assistance and wellness) benefits to eligible associates and their eligible dependents. Eligibility for these benefits is described in this chapter, and the terms and conditions for these benefits are described in the applicable chapters of this 2020 Associate Benefits Book. The Plan is sponsored by Walmart Inc. (the company).
You are automatically enrolled for certain benefits under the Plan on your date of hire or a later date. For other benefits, however, you must enroll to have coverage. Refer to the Enrollment and effective dates by job classification section in this chapter for details about initial enrollment periods and when coverage is effective, for all benefits available under the Plan.
Associate eligibility
The benefits you are eligible for depend on a number of factors, which may include your date of hire, average weekly hours, and your job classification in the Walmart Inc. payroll system. In addition, for most benefits, you may be required to meet an eligibility waiting period. See the Enrollment and effective dates by job classification section in this chapter for a list of the benefits you are eligible for and for your eligibility waiting period based on your job classification.
Our expectation is that you will use correct and accurate information when applying for or enrolling in benefits. If you do not, you may be subject to the loss of benefits and/or loss of employment. To review Walmart's policy about intentional dishonesty, refer to the Statement of Ethics, which can be found on One.. See Legal documentation for dependent coverage later in this chapter for information about documents that may be requested of you to verify dependent eligibility.
NOTE: Your eligibility for benefits is determined by the eligibility rules detailed in this Associate Benefits Book. To the extent that any information provided to you through other sources conflicts with the Associate Benefits Book, the eligibility rules in the Associate Benefits Book will control.
MANAGEMENT ASSOCIATE ELIGIBILITY
To be eligible for benefits as a management associate, you must be classified in the company's payroll system as a management associate, management trainee, California pharmacist, or full-time truck driver.
FULL-TIME HOURLY ASSOCIATE ELIGIBILITY
To be eligible for benefits as a full-time hourly associate, you must be classified in the company's payroll system as a full-time hourly associate.
PART-TIME HOURLY ASSOCIATE ELIGIBILITY
To be eligible for benefits as a part-time hourly associate, you must be classified in the company's payroll system as a part-time hourly associate.
To be eligible to enroll in medical benefits, you must work an average of at least 30 hours per week, with the following exceptions:
? Part-time hourly pharmacists hired prior to February 1, 2012, do not need to work a minimum number of hours per week.
? Part-time hourly pharmacists hired on or after February 1, 2012, must work an average of at least 24 hours per week.
? Part-time hourly associates in the field supply chain must work an average of at least 24 hours per week.
? Part-time hourly nurse practitioners must work an average of at least 24 hours per week.
Part-time hourly associates are subject to the annual eligibility check process described later in this chapter, with the exception of part-time hourly pharmacists hired prior to February 1, 2012. The annual eligibility check determines your eligibility for medical benefits based on the number of hours you work on average in the 52-week period preceding the date of the annual eligibility check. For more information, see the section titled Part-time hourly and temporary associates: eligibility checks for medical benefits.
PART-TIME TRUCK DRIVER ELIGIBILITY
To be eligible for benefits as a part-time truck driver, you must be classified in the company's payroll system as a part-time truck driver. You do not need to work a minimum numbers of hours per week to be eligible to enroll in medical benefits as a part-time truck driver.
2020 Associate Benefits Book | Questions? Log on to One. or call People Services at 800-421-1362
7
Eligibility and enrollment
TEMPORARY ASSOCIATE ELIGIBILITY
To be eligible for benefits as a temporary associate, you must be classified in the company's payroll system as a temporary associate.
To be eligible to enroll in medical benefits, you must work an average of at least 30 hours per week, with the exception of temporary associates in the field supply chain, who must work an average of at least 24 hours per week.
Temporary associates are subject to the annual eligibility check process described later in this chapter. The annual eligibility check determines your eligibility for medical benefits based on the number of hours you work on average in the 52-week period preceding the date of the annual benefits eligibility check. For more information, see the section titled Part-time hourly and temporary associates: eligibility checks for medical benefits.
ASSOCIATES WHO ARE NOT ELIGIBLE
You are not eligible for the Plan if you fall in any of the following categories, even if you are reclassified by a court, the IRS, or the Department of Labor as a common-law employee of the company or any participating affiliate:
? A leased employee ? A nonresident alien (except for optional associate life
insurance, optional dependent life insurance, accidental death and disability insurance, and business travel accident insurance, and unless covered under a specific insurance policy for expatriates or third-country nationals who are employed by the company) ? An independent contractor ? A consultant ? An associate residing outside the United States ? Not classified as an associate of the company or its participating affiliates ? An associate who is enrolled in Medicare Part D (applicable only to eligibility for medical plan options, including HMOs and the eComm PPO Plan), or ? An associate covered by a collective bargaining agreement, to the extent that the agreement does not provide for participation in the Plan.
ELIGIBILITY INFORMATION FOR ADDITIONAL ASSOCIATE CATEGORIES
Associates in HMOs and eComm PPO Plans: HMO and eComm PPO Plans are available for some work locations. The policies and enrollment materials for the HMO and eComm PPO Plans may describe different eligibility
requirements and waiting periods than those described in this chapter. If there is any difference between the HMO's or eComm PPO Plan's eligibility terms and the eligibility terms of the Associates' Medical Plan (AMP) as described in this chapter, eligibility terms in this chapter will control.
In addition, some HMOs require participants to accept an arbitration agreement, where permitted by law, before coverage under the HMO will become effective. Your agreement must be received by the HMO within 60 days of your initial enrollment or your HMO coverage will not take effect. If the HMO does not receive your agreement, you will not have medical coverage under the Plan unless you have a valid status change event, as described later in this chapter.
Hawaii associates: Special rules govern benefits eligibility and enrollment in the state of Hawaii. If you are a full-time hourly, part-time hourly, or temporary associate in Hawaii, please refer to the chapter titled Eligibility and benefits for associates in Hawaii. For management associates in Hawaii, the eligibility and enrollment terms described in this Eligibility and enrollment chapter apply.
Localized associates: If you have been approved by the company as having localized status, you and your dependents residing in the United States are eligible for the same benefits under the Plan as associates who are United States citizens residing and working in the United States. Any applicable waiting period is waived. You are not eligible for expatriate coverage under the Plan. If you are a localized associate and an eligible dependent resides outside the United States, medical claims will be processed as network benefits regardless of the provider's network status and paid at the applicable copay or coinsurance rate for network charges, subject to applicable limitations and exclusions under the Plan. You or your enrolled dependents must file a claim for reimbursement under the Plan's claims procedures.
See page 298 for important information for part-time hourly and temporary associates about eligibility checks.
Part-time hourly and temporary associates: eligibility checks for medical benefits
INITIAL ELIGIBILITY CHECK FOR MEDICAL BENEFITS
If you are a part-time hourly or temporary associate (other than a part-time truck driver), your initial eligibility for medical benefits is determined during your initial measurement period. Your initial measurement period is the 52 consecutive weeks beginning on your date of hire, during which your average hours worked per week are reviewed.
Eligibility and enrollment
8
If you work an average of at least 30 hours a week (24 hours a week for part-time nurse practitioners, part-time hourly pharmacists, part-time hourly and temporary associates in the field supply chain) over the 52-week review period without a break in employment greater than 13 weeks, you will become eligible for medical benefits at the close of your initial measurement period. Specifically, your eligibility for medical benefits will begin on the first day of the second calendar month following your one-year anniversary date. For example, if your date of hire is April 16, 2019, your average hours worked from that day through April 15, 2020 will be calculated. If you meet the average-hours-worked requirement over this initial measurement period, your coverage would begin June 1, 2020 (assuming you enroll in a timely manner).
Initial medical coverage for associates who meet the average-hours-worked requirement continues through the end of the second calendar year following date of hire. In the example above, your coverage (if you enroll in a timely manner) would continue through the end of 2021. You would then be subject to annual eligibility checks, as described below.
ANNUAL ELIGIBILITY CHECK FOR MEDICAL BENEFITS
If you are classified as a part-time hourly or temporary associate (other than a part-time truck driver or a parttime hourly pharmacist hired before Feb. 1, 2012), you will be subject to an annual eligibility check to establish your eligibility for medical benefits for the next calendar year. You will also be subject to the annual eligibility check if you were originally hired as a management or full-time hourly associate and were employed one year or more before changing to part-time hourly or temporary status.
The measurement period for the annual eligibility check will be the 52 weeks preceding an annually designated date in early October prior to each calendar year's Annual Enrollment. For example, the annual eligibility check occurring in fall 2020 (for the 2021 calendar year) will review your hours worked from October 5, 2019, through October 4, 2020. If you meet the average hours requirement (24 or 30 hours per week, depending on job classification) over the 52-week period, you will be eligible to enroll in medical benefits during Annual Enrollment for coverage during 2021.
If you do not meet the average weekly hours requirement in the annual eligibility check, your medical coverage may continue for a period of time, as described below under If you do not meet the annual eligibility check for medical benefits.
IF YOU MEET THE ANNUAL ELIGIBILITY CHECK FOR MEDICAL BENEFITS
If you are currently a part-time hourly or temporary associate who is enrolled for medical coverage and you meet the annual eligibility check in October, you will remain enrolled for medical coverage for the remainder of the current year. You will receive Annual Enrollment materials and be eligible to enroll for medical benefits for the following year.
You will be subject to the annual eligibility check each year to determine your eligibility for medical benefits for the following year.
IF YOU DO NOT MEET THE ANNUAL ELIGIBILITY CHECK FOR MEDICAL BENEFITS
If you are currently a part-time hourly or temporary associate who is enrolled for medical coverage, but you do not meet the annual eligibility check in October, you will remain enrolled for medical coverage for the remainder of the current calendar year. You will not be eligible for medical benefits for the following year unless your job classification changes and you meet the eligibility requirements based on your new classification. You will receive a letter describing your options under the Consolidated Omnibus Budget Reconciliation Act (COBRA) to continue your medical coverage when the current calendar year ends. (See the COBRA chapter for more information.)
You will be subject to the annual eligibility check each year to determine your eligibility for medical benefits for the following year.
IF YOU TAKE TIME OFF DURING THE ANNUAL MEASUREMENT PERIOD FOR THE ELIGIBILITY CHECK
If you take any type of unpaid time off that is not an approved leave of absence, as described below, your number of actual service hours will still be used in the calculation of your average hours for the annual eligibility check (even if it is zero).
If your absence is an approved leave (including for jury duty, Family and Medical Leave Act of 1993 [FMLA] leave, or military leave), your average-hours-worked calculation will be based on the number of weeks during the 52-week measurement period that you worked. For example, if you take an approved leave during two weeks of the 52-week measurement period, your average hours worked will be calculated over 50 weeks rather than 52.
If you have questions about the annual eligibility check, call People Services at 800-421-1362.
2020 Associate Benefits Book | Questions? Log on to One. or call People Services at 800-421-1362
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