2020 Associate Benefits Book
2020 Associate
Benefits Book
Summary Plan Descriptions with
2021 Summaries of Material
Modifications
What¡¯s inside
Medical plan
Life insurance and disability plans
Pharmacy benefit
Associate Stock Purchase Plan
Dental plan
Walmart 401(k) Plan
Vision 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
Company?paid life insurance
148
Optional associate life insurance
154
Optional dependent life insurance
160
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 72716?3500.
Accidental death and dismemberment
(AD&D) insurance
166
Business travel accident insurance
174
Short?term disability for full-time hourly associates 180
Salaried short-term disability plan
190
Truck driver short?term disability plan
198
Long?term disability
206
Truck driver long?term 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
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 72716?3500.
O puede llamar para cualquier pregunta al 800?421?1362. 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
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¡ªlook 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.
?
Welcome to your 2020
Associate Benefits Book
3
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
5
RESOURCES
Find What You Need
Online
Other Resources
? Enroll in Walmart benefits
? Notify People Services within 60
days of a status change event
Go to One. or
Workday for Jet associates
Call People Services at 800-421-1362
Notify People Services if you have
questions about the payroll deductions
for your benefits
Call People Services at 800-421-1362
Pay premiums for benefits while on a
leave of absence
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
Eligibility and enrollment
................
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