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October 2017
Welcome to 2018 Annual Enrollment
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Got benefits?
Remember, associates need to complete an enrollment session by Nov. 10 to get benefits in 2018.
So mark your calendar, write yourself a note, or set your alarm, just don’t forget to enroll!
2018 ANNUAL ENROLLMENT IS
OCT. 28 TO
NOV. 10!
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What we’ll cover today
• Benefits Philosophy
• Benefits Eligibility
• Getting started on your Walmart plans
• Medical Plan Options
• Other Health Benefits
• Financial Benefits
• Important Reminders
• Tools and Resources
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Benefits Philosophy
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How do we make benefits decisions?
Competitive Comprehensive Affordable
Smart spending Balanced
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Benefits Eligibility
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Benefits eligibility
Salariedassociates
Full-time hourlyassociates
Part-time hourly associates
YOUR SERVICE COUNTS! Some programs are available only after you’ve been with us for one year. If your organization was recently acquired, we’ll start counting from your most recent hire date at your original company.
Salaried associates are eligible to enroll for benefits
between the date of your first paycheck and prior to
the 60th day after your date of hire.
Coverage is effective on your date of hire.
Full-time hourly associates can enroll between the
date of your first paycheck and the day prior to your
effective date.Coverage is effective on
the first day of the month of your 89th day of
employment.
Part-time hourly associates can enroll after one year –
between your 52-week anniversary date and the first
day of the second month following.
Coverage is effective on the first day of the second month
following your anniversary.
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Available to all associates
LONG-TERM DISABILITY
SPOUSE/PARTNER LIFE
DENTAL ASPP
CRITICAL ILLNESS
CHILD LIFE
SHORT-TERM DISABILITY
VISION
LIFE INSURANCE
MEDICAL
401(K)
ACCIDENT INSURANCE
AD&D
Full-time associate benefits eligibility
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Part-time hourly associate benefits eligibility
HOURS WORKED COVERAGE OPTIONS
on average over the past 52 weeks
LESS THAN
30 HOURSPER WEEK
DENTAL VISION ACCIDENT INSURANCE
CRITICAL ILLNESS
LIFE INSURANCE
CHILD LIFE
AD&D ASPP401(K)
Benefits Above MEDICAL
on average over the past 52 weeks
MORE THAN
30 HOURSPER WEEK
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Dependent benefits eligibility
Spouse/partnerFT/Mgmt associates may cover their spouse or
domestic partner regardless of gender or martial status
Please note that if you cover a domestic partner, your premiums may be treated as imputed income per US law. Check in with your HR associate if you
have questions.
Child(ren) and/or step-child(ren)
All associates may cover their legal child dependents up to age 26.
Includes children with spouse or partner.
All eCommerce associates are eligible for benefits.*
Associates want to cover their family too? Here’s who is eligible to be covered on their benefit plans:
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Getting Started
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Things to know about enrollment
Need a bit more information?Go online to Workday or
WalmartOne.com/AEeComm to get even more details about the new benefit choices.
New plans mean new ID cardsIf associates sign up for a medical plan, their
new ID cards will arrive at their home towards the end of Dec. 2017.
eCommerce Benefit Plan YearThe Walmart benefit plans run
Jan. 1 through Dec. 31 each year.
2018 Annual Enrollment WindowAnnual Enrollment takes place each Fall.
Want benefits in 2018? Associates will need to complete an enrollment session in
Workday by November 10, 2017.
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Medical Plan Options
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2018 medical plan options
All eCommerce associates have access to two primary types of medical plans.
eCommerce PPO Health Savings Account (HSA) Plan
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Key features of a PPO plan
Manage in-network out-of-pocket medical expenses and receive additional treatment options with a PPO plan.
Deductible• $300/associate• $600/associate + dependents
Out-of-pocket maximum• $1500/associate• $3000/associate + dependents
Office copays• $15 PCP• $25 Specialist
Additional benefits• Chiropractic care• Transgender benefit coverage• Infertility treatment coverage
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Key features of an HSA plan
HSA contributionsTriple tax benefit
Walmart match Walmart matches your contribution dollar for dollar up to $350 per year, or $700 if you cover dependents
Using your HSA• HSA may be used for any IRS-approved health
expenses • HSA dollars are yours to keep
Build a tax-free personal health savings account for use with eligible health care expenses.
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HMOs available in select locations
Keep in mind, availability is based on the location associates work, not where they live. Each HMO will supply plan details including prescription benefits.
Health Maintenance Organizations (HMO)
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Pharmacy coverage
All of the medical plans include pharmacy benefits.
PPO Plan• Generic drugs: $10 / 20% out-of-network• Brand-name drugs: $30 / 20%• Specialty drugs: $30 / 20%
HSA*• Generic drugs: $4• Brand-name drugs: $50 or 25% of allowed cost• Specialty drugs: $50 or 20% of allowed cost
*With this plan, the benefit applies after deductible due to IRS rules.
SAVE MONEY. STAY IN-NETWORK!Staying in your plan’s network saves you money. So does visiting a Walmart, Sam’s Club or other network pharmacy. To see complete medical and prescription drug coverage, go to WalmartOne.com/AEeComm
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Medical plan premiums
After-taxAssociates’ share for the cost for
PPO and HMO health plans is paid on an after-tax basis.
This means Federal and state taxes are deducted prior to their premium
being deducted.
Pre-taxAssociates’ HSA premiums are paid with pre-tax dollars from
their paycheck.
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Getting even more from your medical plans
When associates enroll in the eCommerce PPO or HSA plans, they get instant access to great benefits and programs that help them get the most from their medical plans. Depending on the plan, These include:
PREVENTIVE CARE COVERAGE
HEALTHCARE ADVISOR
DOCTOR ON DEMAND
GRAND ROUNDS
CENTERS OF EXCELLENCE
CASTLIGHT LIFE WITH BABY QUIT TOBACCO
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Grand Rounds
Download the Grand Rounds app from iTunes or Google Play
Provides peace of mind with a review, a written opinion, and an optional recommendation all from a world-class specialist
Takes care of all the details
Helps find the highest quality specialist
Grand Rounds
Available only to associates enrolled in the HSA Plan
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Centers of Excellence
Access to specialists for:• Certain heart surgeries
• Certain spine surgeries
• Hip and knee replacements
• Medical review for breast, lung, and colorectal cancers with onsite visit if recommended
• Organ and bone marrow/skin cell transplants
• Weight loss surgery
For questions before January 1, call People Services at 800-421-1362.On and after January 1, 2018, call Healthcare Advisor using the number on the back of the Plan ID card
Centers of Excellence offers:
Note: Some limitations apply to Centers of Excellence services. All services must be preauthorized by the program administrator.
Available only to associates enrolled in the HSA Plan
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Centers of Excellence Health Systems
• Cleveland Clinic – Cleveland, OH• Geisinger – Danville, PA• Johns Hopkins – Baltimore, MD
• Kaiser – Irvine, CA• Mayo – Jacksonville, FL• Mayo – Rochester, MN
• Mayo – Phoenix, AZ• Memorial Hermann – Houston, TX• Mercy – Springfield, MO
• Northeast Baptist – San Antonio, TX• Scripps Mercy – San Diego, CA• Virginia Mason – Seattle, WA
Available only to associates enrolled in the HSA Plan
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Castlight
Go to Workday or WalmartOne.com/AEeComm for more information.
• Search for doctors and medical services nearby
• Easily compare prices
• Track health care spending and deductibles
• Access an online ID card
Castlight lets associates:
Available only to associates enrolled in the HSA Plan
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Preventive care
Stay heathy by making the most of preventive care benefits with $0 copays at in-network providers.
• Annual physical
• Well woman exam
• Some lab workPreventive care
includes:
Find more information on Preventive Care on Workday or WalmartOne.com/AEeComm and in the 2018 Associate Benefits Book
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Healthcare advisor
Associates can find their Healthcare Administrator by using the Plan Availability tool on Workday or WalmartOne.com/AEeComm.
Personalized guidance on claims, billing, and more!
Help with:• Grand Rounds• Centers of Excellence
24/7 Nurse Hotline
Nurse Care Management
Healthcare advisors provide:
Available only to associates enrolled in the HSA and PPO plans as of January 1
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Doctor On Demand
Download the Doctor On Demand™ app from iTunes or Google Play
24/7 video access to doctors
Video visits covered just like regular doctor visits
Convenience at a lower cost
Doctor On Demand provides:
Available only to associates enrolled in the HSA Plan
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Life with Baby
We provide a little extra support for expectant parents. Here are a few highlights of the Life with Baby program designed with you in mind:
24/7 telephonic support from registered prenatal nurses
Access to prenatal information and “What to Expect” booksMaternity Program
For questions before January 1, call People Services at 800-421-1362.On and after January 1, 2018, call Healthcare Advisor using the number on the back of the Plan ID card
Available only to associates enrolled in the HSA Plan
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Quit Tobacco
Your associates can kick the habit at no cost to them with one of our Quit Tobacco programs, QuitNet and Kick Buts.
Once they sign up, here’s what they’ll receive:
• Lower premiums!
• Text and telephone support and counseling
• Nicotene replacement therapy at no cost
Quit Tobacco
For more information, call:Kick Buts: 855-955-1905QuitNet: 866-577-7169
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Continuity of Care
We understand transitioning to a new medical plan can be stressful, especially if associates are in the middle of care.
If associates are in the middle of specific care or treatment and their current doctor is not in the network, they can call their healthcare advisor to determine if it would qualify to continue care and treat their claims as in-network.
For questions prior to January 1, associates should call People Services at 800-421-1362. After January 1, they can call their Healthcare Advisor.
Aetna 855-548-2387BlueAdvantage of AR 866-823-3790United Healthcare 888-285-9255
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Other Health Benefits
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Dental plan
Annual Deductible:
$75 per person$225 family
Preventive and diagnostic care:
100% with no deductible
for Preferred dentists
Basic care: 80% after deductible
Major care: 50% after deductible
Annual maximum benefit:
$2,500 per person
Orthodontia: 80% after 12 months of coverage;
$1,500 lifetime maximum
For questions before January 1, call People Services at 800-421-1362, or go online to Workday or WalmartOne.com/AEeComm.On and after January 1, 2018, call Delta Dental at 800-462-5410
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Vision plan
BENEFITS AVAILABLE EVERY CALENDAR YEAR
Routine eye exam: $4 copay
Frames: covered up to $130
after material copay Contact lenses: covered up to $130
after material copay, instead of glasses
Contact fitting and evaluation:
won’t exceed $60
Material copay:* $4
*Applies with purchase of frames, lenses, or both. Copay is charged only once when frames and lenses are purchased together.
For questions before January 1, call People Services at 800-421-1362, or go online to Workday or WalmartOne.com/AEeComm.On and after January 1, 2018, call VSP at 866-240-8390
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Life insurance and AD&D
Optional Life Insurance
Coverage up to $200,000 (Hourly)
Coverage up to $1,000,000 (Salaried)
Guaranteed issue of $25,000 when newly eligible
Accidental Death & Dismemberment
Up to $1,000,000
Company Paid Life Insurance For full-time hourly
and salaried associates
Annual pay up to $50,000
For questions before January 1, call People Services at 800-421-1362, or go online to Workday or WalmartOne.com/AEeComm.On and after January 1, 2018, call Prudential at 877-740-2116
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Dependent life insurance
Child Life InsuranceEligible children
up to age 26
Coverage up to $10,000 per child
No proof of good health required
Spouse/Partner Life InsuranceSalaried and Full-Time
associates eligible
Coverage up to $100,000
Guaranteed issue $5,000 when newly eligible
For questions before January 1, call People Services at 800-421-1362, or go online to Workday or WalmartOne.com/AEeComm.On and after January 1, 2018, call Prudential at 877-740-2116
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Critical illness and accident insurance
Accident InsurancePays cash for out-of-pocket
expenses if injured while not at work
Critical Illness InsurancePays up to $20,000 cash for
specific conditions
For questions before January 1, call People Services at 800-421-1362, or go online to Workday or WalmartOne.com/AEeComm.On and after January 1, 2018, call Allstate at 800-514-9525
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Short-term disability for salaried associates
Salaried Short-Term DisabilityProvides 100% of associates’ base pay for up to six
weeks after a seven calendar day waiting period, then 75% for up to 19 more weeks.
For questions before January 1, call People Services at 800-421-1362, or go online to Workday or WalmartOne.com/AEeComm.On and after January 1, 2018, call Sedgwick at 800-492-5678
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Short-term disability for full-time hourly associates
The paid amount of the STD basic plan is 50 percent of an associate’s average weekly wage, up to $200 per week, at no cost to them!
If associates enroll in the STD enhanced plan, the paid amount is 60 percent of their average weekly wage, with no weekly maximum.
OR
Full-time hourly associates are eligible for short-term disability after one year.
Associates working in California, Hawaii, New Jersey, New York, and Rhode Island are covered through state-sponsored short-term disability plans. Please consult your state’s resources to learn more.
For questions before January 1, call People Services at 800-421-1362, or go online to Workday or WalmartOne.com/AEeComm.On and after January 1, 2018, call Sedgwick at 800-492-5678
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Long-term disability
Long-term DisabilityPicks up when short-term disability ends.Provides 50 or 60 (enhanced) percent of
average monthly income up to $15,000 a month.
For questions before January 1, call People Services at 800-421-1362, or go online to Workday or WalmartOne.com/AEeComm.On and after January 1, 2018, call Liberty at 800-492-5678
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Financial Benefits
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401(k) retirement savings
For more information, call Merrill Lynch at 888-968-4015 or visit benefits.ml.com
• Associates can set contributions now for 2018
• Save up to 50% of eligible pay each year, before-tax, up to $18,000
• Age 50+ catch-up contributions up to $6,000
• After they’ve been with the company for one year, Walmart will match 100% of their contribution, up to 6% of eligible pay
• Associates can sign up or change their savings rate at any time
401(k)
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401(k) investment options
For more information, call Merrill Lynch at 888-968-4015 or visit benefits.ml.com
To make decisions easier, associates can consider a myRetirement Fund• Diversified investment mix
• Based on projected retirement date
• Adjusted over time to become more conservative
• Most conservative fund does not change over time
Investing made easy
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Associate Stock Purchase Plan
For more information, call Computershare at 800-438-6278
Associates can set their election now for stock purchases starting in 2018
They can purchase between $2 and $1,000 of Walmart stock each pay period
Walmart will match 15% of their stock purchases, up to the first $1,800
Associates can sign up and change contributions at any time
Associate StockPurchase Plan
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Important Reminders
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2018 Annual Enrollment timeline
Annual Enrollment:Oct. 28 – Nov. 10, 2017
October 2017
S M T W T F S
1 2 3 4 5 6 7
8 9 10 11 12 13 14
15 16 17 18 19 20 21
22 23 24 25 26 27 28
29 30 31
Annual Enrollment
November 2017
S M T W T F S
1 2 3 4
5 6 7 8 9 10 11
12 13 14 15 16 17 18
19 20 21 22 23 24 25
26 27 28 29 30
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Key Messages for Our Leaders
• AllassociatesmustenrollduringAEinordertohavebenefitsin2018andweneedyourhelpinensuring100%ofassociatesfinalizeanonlineenrollmentsessionthroughWorkday.
• TrackcompletedenrollmentsbyusingthepercentcompletereportingtoolavailableonWorkdayTBD.
• AssociateswillreceiveallAnnualEnrollmentinformationdigitally.
• AEleaderswillbereceivingAEpostersanddigitalbannersforyourmonitorsmid-September.Pleasepostthroughoutyourfacilitiesforallassociatestosee.
• We’vedevelopedbenefitseducationsessionsspecificallyforeCommerceassociates.Pleasescheduleandensureassociatesattendasession.
• Encourageassociatestousetheironlineresourcestogetanswerstotheirquestions.– Communicationresourcesite:WorkdayTBD– Enrollmenttool:WorkdayTBD– Phonesupport:ContactPeopleServicesat800-421-1382
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How we support each other
Performance and Rewards team• Develop communication plan
• Develop toolbox of communications which each location will use as needed based on the needs and capabilities of each facility. These tools and resources include:
– Static guide– AE poster– Digital banners– Frequently asked questions– Facility Manager talking points– Schedule, communicate and facilitate Train the Trainer sessions for leadership and designated
champions– Develop train the trainer and associate AE training presentation– Schedule and facilitates Webex/FAQ leadership calls– Email communications (pre AE, AE start and AE end)– Associate Benefits Book– People Services team available to assist leadership and associates with all questions related to
eligibility and plans
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How we support each other
Tech Communication Partners• Ensure leaders review tools and resources on the Leadership Guide
• Ensure all associates are aware of and review all tools and resources online on Workday
• Ensure computers are requested and set up as needed for associates to finalize AE sessions
• Send out AE email communications to all associates (pre AE, AE start and AE end)
• Schedule and facilitate associate AE meetings
• Print and hang posters in designated areas if applicable to facility
• Ensure digital signage is posted on monitors throughout your building if applicable to facility
• Print and make static guides available in common areas as needed
• Monitor Percent Complete through Workday to ensure all associates finalize an online enrollment session
• Send AE letter and static guide to associates on leave of absence
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Key things to remember
Current coverage will end on Dec. 31, 2017
Want coverage in 2018? Associates need to enroll during Annual Enrollment. Otherwise, they’ll need a qualifying
event to elect or make changes to their coverage
For questions about associates’ changes in coverage at the end of the year, call People Services at 800-421-1362
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How to enroll for 2018 benefits
Make benefit selections based on• Office location medical plan availability • Needs and cost preferences
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Beneficiary and dependent info will be needed• Associates should have their beneficiary information
accessible along with dependent Social Security Numbers if they are enrolling dependents
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Enroll through Workday• Complete an Annual Enrollment session in Workday3
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Tools and Resources
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Tools and Resources• eCommerce Leadership Guide on
WalmartOne.com/AEeComm – Sept. 25
• David [email protected]
• Associate eComm Toolkit on Workday or WalmartOne.com/AEeComm – Oct. 14
People Services - 800-421-1362M-F: 7:30am – 6:00pm CTSat: 9:00am – 1:00pm CT
10/30/17 7:30am – 9:00pm CT11/2/17 7:30am – 9:00pm CT11/3/17 7:30am – 11:59pm CT11/6/17 7:30 am – 9:00 pm CT11/9/17 7:30 am – 9:00 pm CT11/10/17 7:30 am – 11:59 pm CT
Translation assistance available in over 125 languages!
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Thank You!“If people believe in themselves, it’s amazing what they can accomplish.”
– Sam Walton
