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.

Eligibility and enrollment

6

The Associates' Health and Welfare Plan

The Associates' Health and Welfare Plan (the Plan) is a single, 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) coverage to eligible associates and their eligible dependents. The 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 2018 Associate Benefits Book. The Plan is sponsored by WalMart Stores, Inc.

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 for coverage to take effect. 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 hire date, average weekly hours and your job classification in the company's (WalMart Stores, Inc.) payroll system. In addition, for most benefits, you may be required to meet the applicable 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 benefits eligibility waiting period based on your job classification.

Our expectation is that you will apply for or enroll in benefits using correct and accurate information. If not, you may be subject to the loss of benefits and/or loss of employment. To review Walmart's policy about intentional dishonesty, please refer to the Statement of Ethics, which can be found on the WIRE.

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 fulltime truck driver.

FULLTIME HOURLY ASSOCIATE ELIGIBILITY

To be eligible for benefits as a fulltime hourly associate, you must be classified in the company's payroll system as a fulltime hourly associate.

MANAGEMENT AND FULLTIME HOURLY ASSOCIATES: IF YOU HAVE A BREAK IN SERVICE

If your employment ends and you return to employment within less than 31 days, you will be automatically reenrolled in your previous coverage (or the most similar coverage offered under the Plan).

If your employment ends and you return to employment after 30 days and before 13 weeks, you will be automatically reenrolled in the same coverage you had before you left, but your annual deductibles and outofpocket maximum will reset and you will be responsible for meeting the new deductibles and outofpocket maximum in their entirety. You will have 60 days to drop or otherwise change the medical, dental, vision, AD&D, critical illness and accident coverage in which you were automatically reenrolled.

If your employment ends and you return to employment after 13 or more weeks, you will be treated as if you were a new associate.

PARTTIME HOURLY ASSOCIATE ELIGIBILITY

To be eligible for benefits as a parttime hourly associate, you must be classified in the company's payroll system as a parttime hourly associate.

To be eligible to receive medical benefits, you must work an average of at least 30 hours per week, with the following exceptions:

? Parttime hourly pharmacists hired on or after February 1, 2012, must work an average of at least 24 hours per week.

? Parttime hourly pharmacists hired prior to February 1, 2012, do not need to work a minimum number of hours per week.

? Parttime field Logistics must work an average of at least 24 hours per week.

? Parttime truck drivers do not need to work a minimum number of hours per week.

Parttime associates are subject to the annual eligibility check process described later in this chapter, with the exception of parttime hourly pharmacists hired prior to February 1, 2012, and parttime truck drivers. The annual eligibility check determines your eligibility for medical benefits based on the number of hours you worked on average in the 52week period preceding the date of the annual eligibility check. For more information, see the section titled Parttime hourly and temporary associates: eligibility checks for medical coverage.

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 hourly associate.

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

7

Eligibility and enrollment

To be eligible to receive medical benefits, you must work an average of at least 30 hours per week. Temporary pharmacists hired on or after February 1, 2012, and temporary field Logistics 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 worked on average in the 52week period preceding the date of the annual benefits eligibility check. For more information, see the section titled Parttime hourly and temporary associates: eligibility checks for medical coverage.

HAWAII ASSOCIATES

Special rules govern eligibility and enrollment in the state of Hawaii. If you are a fulltime hourly, parttime hourly or temporary associate in Hawaii, please refer to the Eligibility and benefits for associates in Hawaii chapter of this Summary Plan Description for information regarding eligibility for benefits. For management associates in Hawaii, the eligibility and enrollment terms described in this Eligibility and enrollment chapter apply.

HOURLY ASSOCIATES WITH SALARIED STATUS

Regardless of hire date, hourly associates or associates in some positions may qualify for the same benefitseligibility waiting period as management associates if:

? The job description of the hourly associate is substantially the same as a management associate of Walmart or a participating subsidiary, and

? State law mandates that the position be classified as hourly.

INELIGIBLE ASSOCIATES

Ineligible associates (those associates who are not otherwise eligible for other Plan benefits) may still receive Resources for Living and business travel accident insurance benefits.

ELIGIBILITY RULES FOR CERTAIN INSURED BENEFITS

HMO and eComm PPO Plans are available for some facilities. The policies for the HMO and eComm PPO Plans may have different eligibility requirements and waiting periods than those described in this chapter. If you enroll for coverage under an HMO or a PPO, the enrollment materials and certificate of plan coverage you receive may describe the eligibility terms of the HMO or PPO. Please note that if there is any difference between the HMO's or PPO's eligibility terms and the eligibility terms of the Associates' Medical Plan, as described in this chapter, the Plan will apply its own eligibility requirements.

In addition, some HMOs require participants to accept an arbitration agreement, where permitted by law, before

benefits under the HMO can become effective. Your agreement must be received by the HMO within 60 days of your initial enrollment or your HMO benefits will not take effect.

LOCALIZED ASSOCIATES

Associates who have been approved by the company as having localized status, and their dependents residing in the United States, will be eligible for the same benefits under the Plan as associates who are United States citizens residing and working in the United States, including medical, dental, vision, life, disability and any other benefit available to United States associates under the Plan. These localized associates and applicable dependents will not be eligible for expatriate coverage under the Plan. For medical benefits where an eligible dependent of a localized associate resides outside the United States, the eligible dependent may choose to use any local provider or a network provider affiliated with the Third Party Administrator through whom the localized associate has coverage, if one is available. Medical benefits will be processed as network claims and paid at the applicable coinsurance rate for network charges, subject to applicable limitations and exclusions under the Plan. The localized associate or their enrolled dependent(s) must file a claim for reimbursement under the Plan's claims procedures. Any applicable waiting period will be waived for localized associates and their covered dependents.

ASSOCIATES WHO ARE NOT ELIGIBLE

You are not eligible for the Plan even if you are, or may be, reclassified by the courts, the IRS or the Department of Labor as a commonlaw employee of WalMart Stores, Inc. or any participating subsidiary, if you are:

? 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 thirdcountry nationals who are employed by the company)

? An independent contractor

? A consultant

? Residing outside the United States

? Not classified as an associate of WalMart Stores, Inc. or its participating subsidiaries, or

? Enrolled in Medicare Part D (applicable only to eligibility for medical plan options, including HMOs and the eComm PPO Plan).

You are also excluded if you are covered by a collective bargaining agreement, to the extent that the agreement does not provide for participation in the Associates' Health and Welfare Plan.

Eligibility and enrollment

8

Parttime hourly and temporary associates: eligibility checks for medical coverage

INITIAL ENROLLMENT ELIGIBILITY CHECK FOR MEDICAL COVERAGE

If you are a parttime hourly or temporary associate, your initial eligibility for medical benefits is determined by a review of your average hours worked per week over the 52 consecutive weeks beginning on your hire date. This review applies to all parttime hourly and temporary associates, with the exception of parttime hourly pharmacists hired before February 1, 2012, and parttime truck drivers.

If you average at least 30 hours a week (24 hours a week for parttime hourly pharmacists hired on or after February 1, 2012, and parttime field Logistics) over the 52week review period without a break in employment of 13 weeks or greater, you will become eligible for medical benefits. Specifically, your eligibility will begin on the first day of the calendar month that falls not less than one month and not more than two months after the end of the 52week review period (i.e., on the first day of the second calendar month following the day before your oneyear anniversary date). For example, if you are hired on April 16, 2018, the company will average the hours you work beginning April 16, 2018, through April 15, 2019. If you work an average of at least 30 hours a week over the review period, your coverage (if you enroll in a timely manner) would begin June 1, 2019.

Initial medical coverage for associates who work an average of at least 30 hours a week over the 52week review period will continue 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 2020.

ANNUAL ELIGIBILITY CHECK FOR MEDICAL COVERAGE

Generally, parttime hourly associates (including those initially hired as management or fulltime hourly who have been employed one year or more and change to parttime hourly status) and temporary associates will be subject to an annual benefits eligibility check to establish their eligibility for medical benefits for the next calendar year. The annual eligibility check will be administered prior to each calendar year's annual enrollment period.

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 period. For example, the annual check prior to the annual enrollment occurring in fall 2017 (for the 2018 calendar year) will review the associate's hours worked

from October 5, 2016, through October 4, 2017. If you meet your appropriate average weekly hours requirement (24 or 30 hours, depending on job classification) over the 52week period, you will be eligible to enroll in medical benefits during the annual enrollment period for coverage during 2018, in addition to the other benefits to which parttime hourly and temporary associates are eligible

If you do not meet the applicable average weekly hours requirement in the annual eligibility check, your medical coverage may continue for a certain period of time, as described below under If you do not meet the annual eligibility check for medical benefits.

For questions about the annual benefits eligibility check process, please talk to your personnel representative or call People Services at 8004211362.

IF YOU MEET THE ANNUAL ELIGIBILITY CHECK FOR MEDICAL BENEFITS

If you are a parttime or temporary associate who is currently eligible for medical benefits and subject to the annual eligibility check requirement, and you meet the annual eligibility check in October, you will remain eligible 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 a parttime hourly or temporary associate who is currently eligible for medical benefits and subject to the annual eligibility check requirement, but you do not meet the annual eligibility check in October, you will:

? Remain eligible for medical coverage for the remainder of the current year (if you are in your initial coverage period, you will be considered eligible for medical coverage through the end of the second calendar year following your date of hire)

? Not be eligible for medical coverage under Walmart's plans for the following year unless your job classification changes and you meet the eligibility requirements based on your new classification, and

? Receive a letter that will explain your options under the Consolidated Omnibus Budget Reconciliation Act (COBRA) to continue your medical coverage when the calendar year ends.

You will be subject to the annual eligibility check each year to determine your eligibility for medical benefits for the following year.

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

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download