Guam Part-time Hourly Annual Enrollment Guide - Home Depot Live

ANNUAL ENROLLMENT GUIDE

For Guam Part-Time Hourly Associates

Your 2013

Live the Orange Life: Guide to Your Benefits

Critical Illness Protection Plan 1

Dental Plan Coverage 2

Term Life Insurance 3

Disability Coverage 3

FutureBuilder 4

The Employee Stock Purchase Plan 6

MetLaw Legal Services 6

How to Enroll 7

Benefits Contact List 8

2013 Payroll Deductions 9

HEALTH CARE PLANS• Dental• Critical Illness Protection

FINANCIAL PROTECTION PLANS• Disability Insurance• Term Life Insurance• MetLaw Legal Plan

FINANCIAL BENEFITS • FutureBuilder • Employee Stock Purchase Plan (ESPP)• Success Sharing

ADDITIONAL PROGRAMS • Paid Time Off• Adoption Assistance• CARE/Solutions for Life• Associate Discounts• Matching Gift Program• Quit for Life® Tobacco Cessation Program• Ayco’s Money in Motion Program• Financial Engines

YOUR ENROLLMENT PERIOD–NOVEMBER 19 THROUGH NOVEMBER 30!

IT’S TIME TO ENROLL IN YOUR HOME DEPOT BENEFITS FOR 2013

What’s Inside

¿No hablas o lees inglés?Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al 1-800-555-4954.

Check out the Guam benefit information on the newly remodeled livetheorangelife.com!Click Guam on the lower right side of the livetheorangelife.com home page.

The Summary of Benefits and Coverage (SBCs), which lets you easily compare the different medical options, isposted online at www.livetheorangelife.com. A paper copy is available through the Benefits Choice Center at 1-800-555-4954.

Guam Part-Time Hourly Associates

2013 Benefits Annual Enrollment For help, visit livetheorangelife.com or call 1-800-555-49541

Your Critical Illness BenefitAmount Options• $5,000 • $10,000 • $20,000 • $30,000

To view your rates, select the Critical IllnessProtection Plan during your enrollment session andenter your information (for example, tobacco-userstatus and number of dependents covered).

Visit http://www.allstateatwork.com/homedepotto learn more about the Critical Illness Protection Plan.

The Critical Illness Plan

• The Critical Illness Plan pays a lump-sum benefit for

specific conditions, such as heart attack, stroke,

cancer, transplant, Alzheimer’s disease and

paralysis and benefits for eligible travel and

lodging expenses. See the chart below for a

complete list of covered conditions. The plan is

administered by Allstate Benefits.

• The plan also pays an annual benefit of $75 for well-ness services. In some cases, that $75 could coverthe cost of your Critical Illness Protection Plancoverage.

• Critical Illness Protection Plan benefits arepayable only for conditions diagnosed after yourcoverage under the plan begins.

Critical Illness Protection Plan Coverage

Plan pays 100% of benefit amount for: Plan pays 25% of benefit amount for:

Plan pays up to $75 per calendar year for each covered person for one of the following eligible wellness services:

• Heart attack• Stroke• Invasive cancer• Heart transplant• Lung transplant• Liver transplant• Pancreas transplant• Kidney transplant• Bone marrow transplant• End stage renal failure• Paralysis• Complete blindness

• Complete loss of hearing• Coma• Benign brain tumor• Alzheimer’s Disease

A covered person can receive benefits for each of the above critical illnesses if the datesof diagnosis for each criti-cal illness are separated byat least 90 days.

• Coronary artery bypasssurgery

• Carcinoma in situ• Amyotrophic lateral scle-rosis (Lou Gherig’s dis-ease)

• Adrenal hypofunction (Addison’s disease)

• Bone marrow donor• Cerebral palsy• Cystic fibrosis• Hemophilia• Huntington’s chorea

• Meningitis• Multiple sclerosis• Muscular dystrophy• Myasthenia gravis• Necrotizing fasciitis• Osteomyelitis• Scleroderma• Sickle cell anemia• Systemic lupus• Tuberculosis

• Pre Biopsy test for skincancer

• Biopsy for skin cancer• Oral cancer screening• Blood test for triglyc-erides

• Bone marrow testing• Colonoscopy• Echocardiogram• Eletrocardiogram (EKG,including stress EKG)

• Flexible sigmoidoscopy• Hemocult stool analysis• Lipid panel (total choles-terol count)

• Mammography, includingbreast ultrasound

• Pap Smear, includingThinPrep Pap Test

• PSA (prostate specificantigen—blood test for prostate cancer)

• Serum ProteinElectrophoresis (test for myeloma)

• Stress test on bike or treadmill

• Annual physical examination (only for covered persons over18 years of age)

• Immunizations

Transportation Benefit Actual cost, up to $1,500, for round trip coach fare on a common carrier; or $.50 per mile for personal vehicle travel, up to $1,500, to a facility if morethan 100 miles from place of residence.

Lodging Benefit $60 per day up to 60 days if facility is more than 100 miles from residence. Only applies to lodging occurring within 24 hours of, and including days of treatment.

Reoccurrence Benefit A benefit of 100% of the previously paid amount will be paid if a covered person is diagnosed for a second time with a heart attack, stroke, coro-nary artery bypass surgery, transplant, invasive cancer or carcinoma in situ. The second date of diagnosis must be more than 12 months after thefirst date of diagnosis for the critical illness, and for the cancer critical illness benefits, the covered person must have had no symptoms nor receivedany treatment during the 12 months after the prior occurrence.

Critical Illness Protection Plan Summary of Benefits



Your Dental Coverage

The TakeCare Dental Plan• You must use TakeCare network dentists or no benefits arepaid!To find a TakeCare network dentist, go towww.takecareasia.com or call the CustomerService department on Guam at 1-671-647-3526.

• No deductible in the dental plan! The dental planbegins paying benefits immediately—there is nodeductible before benefits for covered dentalservices are paid.

• Free dental preventive care!Two dental cleanings andcheckups each calendar year are free if you use aTakeCare network dentist.

• Your 2013 Dental ID Card If you are enrolling in den-tal for the first time, you’ll receive your dental IDcard by mid January 2013. If you have dentalcoverage in 2011 and are continuing coverage in2013, you will not receive a new ID card.

Dental Coverage

Dental Service TakeCare Network Dentists Only

Annual Maximum Benefit $1,500 per covered person per calendar year

Preventive Care You pay nothing.

Restorative You pay 20%

Simple Extractions You pay 20%

Endodontics You pay 50%

Periodontics You pay 50%

Prosthodontics You pay 50%

Orthodontics Plan pays a lifetime benefit up to $1,000 per covered person. Coverage is limited to the activephase (Phase II) of the treatment plan and is only available to covered children up to age 17.

2013 Dental Plan Coverage

www.takecareasia.com


Term Life Insurance EnrollmentReminders!• Make sure your beneficiary designations are current! Check and/or change your beneficiarydesignations online during your enrollment session. When you reach the “Enroll in YourBenefits” page during your enrollment session,you’ll see a link “Choose a Beneficiary.”

• You can enroll in life insurance during AnnualEnrollment or if you experience a qualified status change.

Term Life Insurance for Part-timeHourly Associates and Their Families

Associate Coverage • $20,000 coverage amount• If your death is the result of an accident, your beneficiary willreceive an additional $20,000

Spouse or Domestic PartnerCoverage

• $2,500 coverage amount

Child Coverage • $2,500 coverage amount for each eligible child age six monthsand older

• $500 coverage amount for a child under six months


Disability Enrollment Reminders!• You can enroll in disability coverage any time bycalling the Benefits Choice Center, but not morethan once during a 12-month period or if youexperience a qualified status change.

Disability Coverage for Part-Time Hourly Associates

Disability benefit • 50% of your covered weekly base pay (up to $125 per week) for an approved disability

• Benefits are reduced by other income you receive (such asSocial Security and Workers’ Compensation) while you are disabled.

When benefits are payable • After an illness or injury has kept you unable to work for 14 consecutive calendar days

How long benefits are payable • Benefits continue for an approved period of disability up to 26weeks (your 14-day elimination period plus your 24 weeks of



You can enroll in the FutureBuilder 401(k) Plan atany time. Before-tax and/or Roth after tax contribu-tions to your FutureBuilder account will begin afteryou complete 90 days of service.

It’s easy to enroll in FutureBuilder or make changesto your contributions or investments during yourenrollment session!

Did You Know?Automatic escalation of your FutureBuilder contribu-tion percentage is available! You can choose tohave your contribution percentage automaticallyincreased by 1% each year up to a maximum targetrate of 10% through the Quick Enrollment Process,or you can choose your own automatic contributionpercentage increase and target maximum rate (up to50%). You can enroll in automatic escalation duringyour annual enrollment session!

How FutureBuilder Helps You Save for Retirement• Matching Home Depot contributions—once you havecompleted one year of service (at least 1,000hours in a 12-month period), the Company contributes $1.50 for every $1 you contribute up to the first 1% of your pay. In addition, you’llreceive 50¢ for every dollar you save from thenext 2% to 5% of your pay.

• A variety of investment approaches—you can let theprofessionals invest your account by choosing aLifePath Portfolio or make your own investmentdecisions among the plan’s core funds or throughthe self-directed brokerage window.

• Professional investment advice—if you would likeprofessional advice on how much to save throughFutureBuilder and how to invest your savings inthe plan, consider using Financial EnginesInvestment Advice. Financial Engines is an independent investment advisor that providesunbiased advice to FutureBuilder 401(k) Plan participants. Log on to Your Benefits Resourcesfrom livetheorangelife.com and click on theSavings & Retirement menu and then InvestmentAdvice to access this valuable service.

• A lower tax bill—you lower your tax bill today by making before-tax contributions toFutureBuilder. You pay no taxes on your contri-butions, the company matching contributions or your investment earnings until you take themoney out of the plan.

It’s important to thoroughly review theFutureBuilder chapter in the Benefits Summary forcomplete information about how the plan works.

Ayco’s Money in MotionProgramAssociates will have access to financial educationand counseling at a highly discounted rate. To learn more about or enroll in this program, visitlivetheorangelife.com and choose FinancialWellness > Manage > Ayco Money In Motion Program.

FutureBuilder



Comparison of Traditional Before-tax 401(k) Contributions and Roth After-tax 401(k) ContributionsTraditional 401(k) Contributions Roth 401(k) Contributions

How are your contributions deductedfrom your pay?

Contributions are deducted from before-tax pay Contributions are deducted from after-tax pay. They aresubject to income tax withholding and are calculatedbased off of eligible compensation.

How do your contributions affect your current taxes?

Current taxable income is reduced so your current tax bill is lower

Current taxable income is not reduced so there is noeffect on your current tax bill

Do contributions count toward the 2013annual contribution limit of $17,500?

Yes Yes

Are contributions eligible for Companymatching contributions?

Yes, up to FutureBuilder limits (up to 3.5% on your first5% of pay)

Yes, up to FutureBuilder limits (up to 3.5% on your first5% of pay)

Are contributions available for loans andhardship withdrawals?

Yes Yes

When will you pay taxes on your contributions?

Income taxes are paid on your contributions when youreceive a distribution, unless your distribution is rolledover into an IRA or another qualified employer-spon-sored plan

You have already paid taxes on your contributions, so notaxes are due if you receive a qualified distribution (Note:Does not apply to Company-matching contributions)

When will you pay taxes on your investment earnings?

Income taxes are paid on investment earnings whenyou receive a distribution, unless your distribution isrolled over into an IRA or another qualified employer-sponsored plan

No taxes are due on earnings from your Roth after-taxcontributions if the withdrawal is a qualified distribution orif your distribution is rolled over into an IRA or anotherqualified employer-sponsored plan. Earnings on before-taxCompany matching contributions will be taxed since thosecontributions have not yet been taxed.



MetLaw Enrollment Reminders!• Enrollment in MetLaw is available only during AnnualEnrollment.

• If you are currently enrolled in MetLaw, you do not haveto reenroll during Annual Enrollment—you will keepyour coverage for 2013 unless you make a change.

To get more information about MetLaw (includingprice quotes) and to enroll, go to the MetLife web-site—you’ll find a link to this website on the YourBenefits Resources website: Click Health &Insurance…> click Health and InsuranceSummary—the link is under Take Charge of Your Health > click Voluntary Benefits.

MetLawThe MetLaw network of over 9,000 experiencedparticipating attorneys can help you prepare a willand deal with debt issues, identity theft, family lawand real estate and traffic matters. Covered servicesare paid in full when you use an in-network attorney. You also can use an out-of-network attorney and bereimbursed based on a set fee schedule. When youenroll in MetLaw, your spouse or eligible domesticpartner and your eligible children are covered.

MetLaw Legal Services

The Employee Stock Purchase PlanYou have two opportunities to enroll in the ESPPeach year—before each ESPP “Plan” deadline—December 17 for the January 1, 2013 plan and June16 for the July 1, 2013 plan. You can enroll on YourBenefits Resources by selecting Savings &Retirement and clicking the ESPP tab.

Become a Home DepotStockholder at a DiscountThrough the Employee StockPurchase Program• Get Home Depot Stock at a discount! The EmployeeStock Purchase Plan gives you a unique opportu-nity to invest in ownership of the Company at aspecial associate price. Through the plan, youcan purchase shares of Home Depot stock at a15% discount.

• Buy stock through convenient payroll deductions! Whenyou enroll, you’ll indicate the percentage of yourpay you want to invest in the ESPP through payrolldeduction, up to a maximum of 20% of your eligi-ble earnings or $21,250. On the last day of eachplan, Home Depot stock will be purchased for you.The price of the stock is 15% off the closing stockmarket price on the last day of the plan.



When You Enroll—Don’t Miss Your Enrollment Period!Your enrollment period is November 19 toNovember 30!

Enrollment ReminderTo enroll, visit the Your Benefits Resources websiteat http://resources.hewitt.com/homedepot.

I Want to Enroll Now!To enroll, visit the Your Benefits Resources websiteat http://resources.hewitt.com/homedepot.

Call the Benefits Choice Center at 1-800-555-4954and speak with a representative. Keep in mind thatyou may experience long wait times to speak with arepresentative during the annual enrollment period!

Are You a New User?Log on to http://resources.hewitt.com/homedepot.Click Register as a New User. You will need toprovide the last four digits of your Social Securitynumber and your date of birth. Then you will beprompted to set up a new User ID and password.You also will answer five security questions.

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Have Your User ID and Password Ready BeforeEnrollment!

1. Log on to http://resources.hewitt.com/homedepot.2. Enter your user ID and Password3. Click Log On

Forgot Your User ID or Password?1. Click I Forgot My User ID or I Forgot My Password2. To get your User ID, enter the last 4 digits of your Social Security Number and your birth date

3. To get your password, enter the last 4 digits of your Social Security Number and your birth date and use one of the prompts: Use Hint to Retry Password, Answer Security Questions or Reset Password

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How to Enroll



Benefits Contact ListPhone Number Internet Address

To Learn About...

Associate Discounts Your Benefits Resources™ from www.livetheorangelife.com

CARE/Solutions for Life 1-800-553-3504 www.caresolutionsforlife.com

Best Doctors 1-866-797-8021 www.livetheorangelife.com

Back-up Dependent Care Program—Bright Horizons 1-877-543-2822 http://backup.brighthorizons.com

Financial Engines Investment Advice 1-800-601-5957 www.livetheorangelife.com

Ayco’s Money in Motion Program 1-800-437-6383 From livetheorangelife.com choose Financial Wellness > Manage > Ayco MoneyIn Motion Program

CareerDepot http://careers.homedepot.com/career-depot.html

ESPP (Employee Stock Purchase Plan) 1-800-843-2150 www-us.computershare.com/employee; To enroll: Your Benefits Resources™ from www.livetheorangelife.com

Foot Orthotics Discount Program 1-877-442-6437 http://hanger.com/patientcarecenters

Health Advocate 1-800-519-6689

The Home Depot Awareness Line: Report workplace concerns 1-800-286-4909

The Homer Fund (An independent public charity) 1-770-433-8211 Ext. 12611 www.thdhomerfund.org

Matching Gift (A program of The Home Depot Foundation) 1-888-628-2442 www.givingprograms.com/homedepot

Quit for Life (Quit Tobacco Program) 1-866-784-8454

Teladoc 1-800-Teladoc (1-800-835-2362) www.teladoc.com

General Assistance

Benefits Choice Center: Benefits questions & enrollment 1-800-555-4954 Your Benefits Resources™ from www.livetheorangelife.com

HR Services:HR/Pay questions 1-866-myTHDHR (1-866-698-4347) www.myTHDHR.com

Critical Illness Protection Plan Provider

Allstate 1-866-828-8766 www.allstateatwork.com/homepdepot

Part-Time Hourly Dental Plan Provider

TakeCare 1-671-647-3526 www.takecareasia.com

Life Insurance/Disability

Aetna SRC 1-800-508-4015 Your Benefits Resources™ from www.livetheorangelife.com



2013 Payroll Deductions2013 Health Care Plan Eligibility and Bi-Weekly Payroll Deductions

Associate -Only

Associate +Spouse

Associate +Child(ren) Associate + Family

DENTAL PLAN OPTIONS

TakeCare Dental $24.80 $49.61 $47.13 $65.48

For all other benefit premiums log on to Your Benefits Resources™ at http://resources.hewitt.com/homedepot or call the Benefits Choice Center at 1-800-555-4954.

• For weekly rates, take the biweekly rates above, multiply by 26, then divide by 52. • In some instances your paycheck may not be enough to cover the entire amount of your benefits premiums. In those cases, the amount of the premiumabove your paycheck is still owed and will be collected from your future paychecks.

This information offers only a brief overview of the benefitplans. By enrolling in or making changes to your benefits(including such actions as, but not limited to: adding depend-ents, verifying a child’s full-time student status), you areresponsible for providing truthful and accurate information.Providing false information may result in disciplinary action asoutlined in the Company’s code of conduct.

The Benefits Summary is the definitive guide to benefits atThe Home Depot. The benefits information in this AnnualEnrollment Guide is provided as a service to associates. Adescription of the benefit provisions, conditions and limita-tions will be included in the current Benefits Summary, whichis provided annually to all associates. Plans having these pro-grams and features also have exclusions, limitations, reduc-tions of benefits and terms under which the plans and poli-cies may be continued in force or discontinued. In the eventof a conflict between this guide and the plan documents orpolicies, the plan documents or policies will govern. TheCompany has the right to amend or terminate these benefitsat any time.

Confidential and Proprietary

This is an unpublished work containing confidential and proprietary information of The Home Depot. All rights reserved.

GUAM PART-TIME HOURLY ASSOCIATESGUAM PT GUIDE 2013

© 2013 Homer TLC, Inc. All rights reserved. Your Benefits Resources is a trademark of Hewitt Management Company LLC.

Guam Part-time Hourly Annual Enrollment Guide - Home Depot Live

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