“I LIVE the Orange LIFE!” · PDF file · 2014-07-16“I LIVE the...
Transcript of “I LIVE the Orange LIFE!” · PDF file · 2014-07-16“I LIVE the...
Carlene NotoStore 405Glendale, AZ
2010 Annual Enrollment Guide for Guam Full-Time Hourly & Salaried Associates
“I LIVE the Orange LIFE!”That’s the power of your Home Depot benefits.
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-49542
Benefits Annual Enrollment Toolkit Full-Time Hourly and Salaried Associates
What’s New for 2010! for Full-Time Hourly and Salaried Associates 3
Medical/Vision Coverage for 2010 4
Dental Plan Coverage for 2010 7
Health Care and Dependent Day CareSpending Accounts 8
Life Insurance and Accidental Death &Dismemberment Coverage 10
Disability Coverage 12
FutureBuilder 14
The Employee Stock Purchase Plan 15
How to Enroll 15
2010 Payrol Deductions 18
Benefits Contact List 19
What’s inside
Get the Power of Your Home Depot Benefits In 2010!Health Care Plans• Medical/Vision
• Dental
• Health Care Spending Account
Financial Protection Plans• Disability Insurance
• Life Insurance
• Accidental Death and Dismemberment Insurance
Financial Benefits• FutureBuilder 401(k)
• Employee Stock Purchase Plan (ESPP)
• Success Sharing
Home Life Benefits• Paid Time Off
• Dependent Day Care Spending Account
• Tuition Reimbursement
• CARE/Solutions for Life
• Associate Discounts
• Quit for Life® Tobacco Cessation Program
When You Enroll – November 3 through November 13!
Live the Orange Life: Guide to Your Benefits Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-49543
Medical/Vision• New 2010 payroll deductions (See page 18)
Dental • New 2010 payroll deductions (See page 18)
Voluntary Life Insurance• New lower payroll deductions for some
Voluntary Life Insurance options
• New payroll deductions will be listed on the
Your Benefits Resources Web site when you
enroll
• New online beneficiary designation
Hourly Disability• New lower payroll deductions
• New payroll deductions will be listed on the
Your Benefits Resources Web site when you
enroll
Salaried Disability• New long-term disability benefit choice – you
choose whether to receive LTD benefits as a
tax-free or taxable benefit
Spending Accounts• The new spending account administrator
in 2010 will be Your Spending Account™
• New Health Care Spending Account
Debit Card
What’s New for 2010! for Full-Time Hourly and Salaried Associates
Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-49544
What’s New for 2010• New 2010 payroll deductions (See page 18)
Medical/Vision Enrollment Must-KnowsIf you don’t go to the Your Benefits Resources Web
site and make changes, you’ll automatically receive
the same medical/vision coverage you have now
(2009) for 2010. If you want to make changes to
your medical/vision coverage, you must go to the
Your Benefits Resources Web site and make your
changes by November 13.
Also note that if you want to participate in the
spending accounts in 2010, you must go to the
Your Benefits Resources Web site and enroll in
them by November 13.
Your Medical/Vision Options Here are your medical/vision options for 2010:
• The TakeCare PPO option
• The TakeCare Asia option
For information on your medical/vision coverage,
see the Medical/Vision Plan chapter of the Benefits
Summary for Guam full-time hourly and salaried
associates.
To verify that you and your dependents are eligible
for coverage in 2010, see the Eligibility and
Enrollment chapter of the Benefits Summary.
As part of the ongoing dependent verification
process, the Company may ask you to provide
documentation of eligibility such as a marriage
license or birth certificate.
Medical/Vision Coverage for 2010
Live the Orange Life: Guide to Your Benefits Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-49545
Plan Type TakeCare PPO TakeCare Asia
Network In-Network Out-of--Network In-Network
Plan deductible: Individual/Family $50 Individual; $150 Family $250 Individual; $500 Family $0 Individual; $0 Family
Out-of-pocket maximum: Individual/Family $1,500 Individual; $3,000 Family $3,000 Individual; $6,000 Family $1,500 Individual; $4,500 Family
Lifetime coverage limit $1,000,000; combined in and out-of-network $1,000,000; combined in and out-of-network $100,000 Individual (off island per year)$1,000,000 Individual Lifetime Maximum
Primary doctor office visit $15 copay, $10 copay @ FHP clinic 60% covered after deductible is met; subjectto Reasonable and Customary
$5 copay (at FHP), $10 copay (Non FHP)
Specialist office visit $15 copay, $10 copay @ FHP clinic 60% covered after deductible is met; subjectto Reasonable and Customary limits
80% of eligible charges
Outpatient surgery 80% covered after deductible is met 60% covered after deductible is met; subjectto Reasonable and Customary limits
80% covered
Inpatient Hospital Services 80% covered after deductible is met 60% covered after deductible is met; subjectto Reasonable and Customary limits
80% covered (Philippines 100%; Asia 80%of eligible charges based on the usual andcustomary charge in the Philippines)
Emergency room (not followed by admission)
80% covered after deductible is met 60% covered after deductible is met; subjectto Reasonable and Customary
80% covered up to a maximum of $500 peroccurrence
Routine vision exams 100% covered after $10 copay @ FHPVision Center only; limited to $50 per year
Not Covered100% covered after $5 copay at FHP VisionCenter only. Limited to $50 per/ year.
Prescription Drug Expenses: Retail
Generic$5 copay; 30 day supply
60% covered after deductible is met; subjectto Reasonable and Customary
$5 copay (at FHP), $10 copay (Non FHP); 30 day supply
Preferred Drugs$10 copay; 30 day supply
$10 copay (at FHP), $20 copay (Non FHP); 30 day supply
Non-Preferred Drugs $15 copay; 30 day supply Not Covered
Prescription Drug Expenses: Mail Order
Generic $10 copay; 90 day supply Not Covered $0 Copay; 90 day supply
Preferred Drugs $20 copay; 90 day supply $0 Copay; 90 day supply
Non-Preferred Drugs $30 copay; 90 day supply Not Covered
2010 Take Care Medical/Vision Plan Coverage
Your Medical/Vision Coverage for 2010
Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-49546
Get the Full Power of Your TakeCare Medical Plan!• The TakeCare PPO plan offers the most flexi-
bility. TakeCare PPO participants can receive
care anywhere in the world. If you receive care
from a TakeCare participating provider, you have
a lower deductible and receive higher in-network
benefits. You also may use a non-participating
provider; however, you will have a higher
deductible and pay more for out-of-network care.
• The TakeCare Asia option begins paying bene-
fits without a deductible. TakeCare Asia partici-
pants can receive care in any country in Asia;
however, you must use a TakeCare participating
provider. No medical/vision benefits are payable
for services received from a non-network provider.
To find a TakeCare participating provider, go to
www.takecareasia.com or call the Customer
Service department on Guam at 1-671-647-3526.
• Both options provide limited benefits for eye
exams and eyewear. However, eye exams and
eyewear must be provided at the FHP vision cen-
ter or no benefits are paid.
• Get a TakeCare participating provider. The
TakeCare network is the largest on-island network
of medical/vision providers and pharmacies,
including the FHP clinic. When TakeCare PPO
plan participants use network providers, they pay
a lower deductible and have higher benefits.
TakeCare Asia participants must use TakeCare
participating providers or no benefits are paid.
To find a TakeCare participating provider, go to
www.takecareasia.com or call the Customer
Service department on Guam at 1-671-647-3526.
• Get generic prescription drugs! Talk with your
doctor about whether a generic drug will work
for you.
• Get your maintenance drugs through the mail
order service! You’ll save time, money, and gas
when you use the mail order service to purchase
your maintenance drugs.
• Get healthier using the Health Risk
Assessment and wellness programs. The
Health Risk Assessment (HRA) is a computerized
assessment tool that looks at your family history,
health status and lifestyle. The goal of the HRA is
to identify potential health risks. Based on your
responses to the HRA, you may be asked to
join a TakeCare wellness program to help
improve a health risk. For more information,
go to www.takecareasia.com or call the
Customer Service department on Guam at
1-671-647-3526.
Use the Power of ALL of The Home Depot Programs!• Get a tax break! Pay for health care services that
are not paid for by the medical plan with tax-free
dollars through the Health Care Spending Account.
When you use the spending account, you will save
on eligible health care expenses—for many associ-
ates, this savings is at least 22%. Plus, beginning
January 1, 2010, you’ll have immediate access to
the money in your spending account through the
new spending account debit card.
• Get free one-on-one sessions to help with
family situations, depression, alcohol or drug
abuse. Services available through CARE/Solutions
for Life include face-to-face sessions, child care,
elder care and parenting resources, and financial
counseling and legal services. These services are
confidential and available to you and your imme-
diate family. For more information on the many
free services offered to you through CARE/Solutions
for Life, see the Work/Life chapter of the
Benefits Summary.
• Get help with claims and billing issues and
other medical services! Your Health Advocate
will assist you and all of your dependents—
including your parents and parents-in-law—with
benefit claims and billing issues, scheduling
appointments and many other services.
• Get a discount on getting in shape! Go to the
Home Depot associate discount Web site and get
discounts on fitness equipment, health clubs,
nutrition and weight management and many,
many other items. You can access the associate
discount Web site by going to the Your Benefits
Resources Web site.
• Get help from your personal Quit Coach and
quit using tobacco! The Quit for Life program is
free to all Home Depot associates and spouses
(if your spouse is covered under a Home Depot
medical plan) and offers free one-on-one coaching
services, free nicotine patches and more! Call
Quit for Life at 1-866-quit-4-life (866-784-8454)
or visit www.quitnow.net/homedepot and kick
the habit today!
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%
OrthodonticsYou pay 50%; lifetime maximum orthodontia benefit
is $1,000 per covered person.
2010 Dental Plan Coverage
Live the Orange Life: Guide to Your Benefits Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-49547
What’s New for 2010• New 2010 payroll deductions (See page 18)
Dental Enrollment Must-KnowsIf you don’t go to the Your Benefits Resources Web
site and make changes, you’ll automatically receive
the same dental coverage you have now (2009) for
2010. If you want to make changes to your dental cov-
erage, you must go to the Your Benefits Resources
Web site and make your changes by November 13.
Your Dental Coverage for 2010The TakeCare Dental Plan• You must use TakeCare network dentists or no
benefits are paid! To find a TakeCare network
dentist, go to www.takecareasia.com or call the
Customer Service department on Guam at
1-671-647-3526.
• No deductible in the dental plan! The dental
plan begins paying benefits immediately—there is
no deductible before benefits for covered dental
services are paid.
• Free dental preventive care! Two dental clean-
ings and checkups each calendar year are free if
you use a TakeCare network dentist.
To verify that you and your dependents are eligible
for coverage in 2010, see the Eligibility and
Enrollment chapter of the Benefits Summary.
As part of the ongoing dependent verification
process, the Company may ask you to provide
documentation of eligibility such as a marriage
license or birth certificate.
Also remember that you can pay for health care
services—including dental services—that are not
paid for by the dental plan with tax-free dollars
through the Health Care Spending Account. When
you use the spending account, you will save on
eligible dental care expenses—for many associ-
ates, this savings is at least 22%. Plus, beginning
January 1, 2010, you’ll have immediate access to
the money in your spending account through the
new spending account debit card.
Need more detail? See the Dental Plan chapter of
the Benefits Summary.
Dental Plan Coverage for 2010
Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-49548
What’s New for 2010—Spending AccountsThe new spending account administrator in 2010 will
be Your Spending Account™. Beginning January 1,
2010, your spending account information will be
conveniently located on the Your Benefits Resources
Web site, along with information about all of your
Home Depot benefits!
What’s New for 2010—Health Care Spending AccountNew Debit Card! If you’re enrolled in the Health
Care Spending Account, you have the opportunity
to pay for eligible health care expenses with the
Your Spending Account MasterCard® (YSA) card.
When you use your YSA card, your eligible expens-
es are deducted automatically from your health
care account.
Spending Account Enrollment Must-Knows• You must actively enroll in the Health Care
and/or Dependent Day Care Spending Account
to participate in the account(s) in 2010.
• Use the online tool “Estimate Your Health Care
Expenses” on the Your Benefits Resources Web
site to quickly help you determine how much to
contribute to the health care account and how
much you could save in taxes. To find this tool, go
to Your Benefits Resources, at the Annual
Enrollment home page, click 4. Consider a Spending
Account, and then “Estimate Your Health Care Needs”
or “Estimate Your Dependent Care Needs.(contact
your day care provider for their 2010 rates).
Are you ready to save using the spending accounts?
Visit https://www.healthcarefsatutorial.com/index1/
for a video that quickly tells you how!
How You Save Money Using the Spending Accounts How do you save money on eligible health care and
day care expenses? All it takes is a little planning
and enrollment in the Health Care and/or Dependent
Day Care Spending Accounts.
When you pay for eligible health care expenses
such as deductibles, coinsurance, copayments
and prescription and over-the-counter drugs (for
a detailed list see Eligible Health Care Expenses)
and dependent day care expenses (for a detailed
list, see Eligible Dependent Day Care Expenses)
through these accounts, you are using before-tax
dollars, which are put into your account before taxes
are taken out of your paycheck. The amount you
save depends on your tax bracket and the tax rate
in your state. So, if you’re in the 15% tax bracket
and you also pay the 7.65% Social Security/
Medicare tax, you’ll save 22.65% on expenses you
pay for through the accounts. If you pay a state
income tax or are in a higher tax bracket, you’ll save
even more.
How Much Can I Save?The Spending Account Tax Savings chart below
shows how much you can save on eligible expenses
through the accounts. These savings assume a 4%
state income tax rate, which could be different in
your state. For information on tax brackets, see the
tax bracket chart.
Health Care and Dependent Day Care Spending Accounts Your 2010 Spending Account Options
How much you can
contribute in 2010:
For eligible
expenses you have:
Health Care
Spending Account
$260 minimum up
to $5,000 maximum
January 1, 2010 through
March 15, 2011
Dependent Day Care
Spending Account
$260 minimum up
to $5,000 maximum
January 1, 2010 through
December 31, 2010
Your Spending
Account
Contribution
Spending Account
Tax Savings
15% tax brack-
et + 7.65%
FICA tax + 4%
state tax =
26.65% savings
25% tax brack-
et + 7.65%
FICA tax + 4%
state tax =
36.65% savings
$260 a year/$10 bi-weekly
$69 $95
$550 a year/$21 bi-weekly
$147 $202
$750 a year/$29 bi-weekly
$200 $275
$1,000 a year/$38 bi-weekly
$267 $367
$1,650 a year/$64 bi-weekly
$440 $605
$2,250 a year/$87 bi-weekly
$600 $825
Live the Orange Life: Guide to Your Benefits Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-49549
Estimate Your Expenses Carefully!All it takes is a little planning to make the spending
accounts work for you. Simply estimate the amount
of health care expenses—such as your deductible—
and/or dependent day care expenses you’ll have in
2010. It’s important to put money into the account
only for expenses you know you’ll incur between
January 1, 2010 and March 15, 2011 for the Health
Care Spending Account or January 1, 2010 and
December 31, 2010 for the Dependent Day Care
Spending Account. You can only receive reimburse-
ment for expenses incurred during those time peri-
ods and you will lose any money not used to pay
reimbursements for expenses.
How the Health Care Account YSA Card WorksThe YSA card allows you to avoid paying for eligible
health expenses out of pocket. When you use your
YSA card, your eligible expenses are deducted auto-
matically from your health care account. You can
use your YSA card to pay for eligible health care
expenses including prescriptions, medical copays
and deductibles, dental work, vision care products
and over-the-counter health care items.
It’s important to follow these YSA card guidelines to
use your card as efficiently and conveniently as pos-
sible and to avoid having your card suspended:
• Every item or service that you pay for using
your YSA card must be an eligible health care
expense. Always separate eligible health care
items (e.g., pain relievers, allergy and cold medi-
cines, contact lenses) from ineligible items (e.g.,
magazines, cosmetics) before using your YSA card.
• All YSA card transactions must be validated—
keep all of your itemized receipts. Because all
YSA card transactions must be verified as eligible
health care expenses, you may be required to pro-
vide supporting documentation to validate your
expenses. Make sure that you save all of your item-
ized receipts (indicating the date of service, the
name of the service provider, the name of the per-
son receiving service, the name of the product or
service, and any amount paid by other coverage).
• Choose “credit” when you swipe your YSA
card. The YSA card is a signature based debit
card. This means you’ll be required to provide
your signature, similar to when you use a credit
card. If you choose the “debit” option, your trans-
action will not be processed.
• Don’t give the doctor your YSA card to pay the
coinsurance amount at the time you receive
service. You may use your YSA card to pay the
coinsurance amount after the insurance has cov-
ered its portion and the provider has sent you a bill.
You’ll receive detailed information on the health care
spending account YSA card if you enroll in the
Health Care Spending Account. You’ll also find more
information in the Spending Account chapter in your
Benefits Summary.
2009 Tax Brackets15% Tax
Bracket
in 2009
25% Tax
Bracket
in 2009
Single with
adjusted gross
income between:
$8,350-
$33,950
$33,950-
$82,250
Married Filing
Jointly with
adjusted gross
income between:
$16,700-
$67,900
$67,900-
$137,050
Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495410
What’s New for 2010• New lower payroll deductions for some
Voluntary Life Insurance options
• New payroll deductions will be listed on the
Your Benefits Resources Web site when you
enroll
• New online beneficiary designation
Life Insurance and AD&DEnrollment Must-Knows• You must designate the beneficiary(ies) for
your life insurance and AD&D coverage during
your Annual Enrollment session using the new
online Beneficiary Form! This online designation
will replace any prior designation you have made
on paper forms.
• You can enroll in life insurance and AD&D cov-
erage any time—but not more than once during a
12-month period or if you experience a qualified sta-
tus change—by calling the Benefits Choice Center.
• If you are currently enrolled in life insurance
and/or AD&D coverage, you do not have to reen-
roll during Annual Enrollment—you will keep your
coverage for 2010 unless you make a change.
You MUST Designate Your Life and AD&D BeneficiariesOnline during Annual Enrollment!When you reach the “Enroll in Your Benefits” page
during your enrollment session, you’ll see a link
“Choose a Beneficiary.” You must complete an
online beneficiary designation for each life and
AD&D plan you have coverage in—including
Basic Life, which Home Depot automatically
provides to medical plan participants, and
Basic AD&D, which the Company automatically
provides to all associates.
You’ll need the following information for each benefici-
ary you designate: your beneficiary’s date of birth. The
online beneficiary designations you make will replace
any prior designations you have made on paper forms.
Life Insurance Coverage for Full-time Hourly Associates Your 2010 Life Insurance OptionsVoluntary Term Life Insurance
for Full-time Hourly Associates
• You can purchase Voluntary Term Life Insurance
for yourself up to 10 times your annual base
pay (rounded to the next $1,000) up to a
maximum of $500,000.
• You may be required to provide a statement of
health and be approved for coverage. For com-
plete information, see the Life Insurance chapter
of the Benefits Summary.
Dependent Term Life Insurance
for Your Spouse or Domestic Partner
You can buy coverage for your spouse or same-
or opposite-sex domestic partner equal to:
• $20,000 with no statement of health; or
• One to 10 times your annual base pay (rounded
to the next $1,000 if not already a multiple of
$1,000) up to a maximum of $250,000 with a
statement of health.
If you are covering a domestic partner, see the
Benefits for Domestic Partners chapter of the
Benefits Summary for more information.
Dependent Term Life
Insurance for Your Child(ren)
You can choose to cover your child or all of your
children under one of these coverage levels: $2,500,
$5,000, $10,000, $15,000, or $25,000. You do not
need a statement of health for child coverage.
Company-Provided Basic Term Life
Insurance for Home Depot Medical Plan
Participants
As a full-time hourly associate, The Home Depot
automatically provides you with $20,000 of Basic Life
Insurance if you’re enrolled in a Company medical
plan. The Company also automatically provides Basic
Life Insurance coverage of $2,000 for each eligible
dependent enrolled in a Home Depot medical plan.
Life Insurance and Accidental Death & Dismemberment Coverage
Live the Orange Life: Guide to Your Benefits Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495411
Life Insurance Coverage for Salaried Associates Your 2010 Life Insurance OptionsVoluntary Term Life
Insurance for Salaried Associates
• You can purchase Voluntary Term Life Insurance
for yourself up to 10 times your annual base pay
(rounded to the next $1,000) up to a maximum of
$1,000,000.
• You may be required to provide a statement of
health and be approved for coverage. For com-
plete information, see the Life Insurance chapter
of the Benefits Summary.
Dependent Term Life Insurance
for Your Spouse or Domestic Partner
You can buy coverage for your spouse or same- or
opposite-sex domestic partner equal to:
• $20,000 with no statement of health; or
• One to 10 times your annual base pay (rounded to the
next $1,000 if not already a multiple of $1,000) up to a
maximum of $250,000 with a statement of health.
If you are covering a domestic partner, see the
Benefits for Domestic Partners chapter of the
Benefits Summary for more information.
Dependent Term Life
Insurance for Your Child(ren)
You can choose to cover your child or all of your
children under one of these coverage levels: $2,500,
$5,000, $10,000, $15,000, or $25,000. You do not
need a statement of health for child coverage.
Company-Provided
Basic Term Life Insurance for
Home Depot Medical Plan Participants
As a salaried associate, The Home Depot automati-
cally provides you with $50,000 of Basic Life
Insurance if you’re enrolled in a Company medical
plan. The Company also automatically provides Basic
Life Insurance coverage of $2,000 for each eligible
dependent enrolled in a Home Depot medical plan.
Accidental Death andDismemberment (AD&D) Coveragefor Full-time Hourly AssociatesYour 2010 AD&D OptionsAssociate-Only Voluntary AD&D Insurance
You can purchase Associate-Only Voluntary AD&D
Insurance for yourself up to 10 times your annual base
pay (rounded to the next $1,000) up to a maximum of
$500,000. A statement of health is not required.
Family Protection Plus
Voluntary AD&D Insurance
You can buy AD&D coverage for yourself, your
spouse or same- or opposite-sex domestic partner
and your dependent children. A statement of health
is not required.
• You choose a coverage amount for yourself under
Associate-Only Voluntary AD&D Insurance.
• Your spouse’s (or domestic partner’s) coverage
amount is 80% of your coverage amount and your
child’s(ren’s) coverage amount is 10% of your cov-
erage amount.
If you are covering a domestic partner, see the
Benefits for Domestic Partners chapter of the
Benefits Summary for more information.
Company-Provided Basic AD&D Insurance
As a full-time hourly associate, The Home Depot
automatically provides you with $20,000 of Basic
AD&D Insurance at no cost to you.
Accidental Death andDismemberment (AD&D) Coverage for Salaried AssociatesYour 2010 AD&D OptionsAssociate-Only Voluntary AD&D Insurance
You can purchase Associate-Only Voluntary AD&D
Insurance for yourself up to 10 times your annual base
pay (rounded to the next $1,000) up to a maximum of
$500,000. A statement of health is not required.
Family Protection
Plus Voluntary AD&D Insurance
You can buy AD&D coverage for yourself, your spouse
or same- or opposite-sex domestic partner and your
dependent children. A statement of health is not required.
• You choose a coverage amount for yourself under
Associate-Only voluntary AD&D Insurance.
• Your spouse’s (or domestic partner’s) coverage
amount is 80% of your coverage amount and your
child’s(ren’s) coverage amount is 10% of your cov-
erage amount.
If you are covering a domestic partner, see the
Benefits for Domestic Partners chapter of the
Benefits Summary for more information.
Company-Provided Basic AD&D Insurance
As a salaried associate, The Home Depot automati-
cally provides you with $100,000 of Basic AD&D
Insurance at no cost to you.
Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495412
Disability Coverage for Full-time Hourly AssociatesWhat’s New for 2010• New lower payroll deductions
• New payroll deductions will be listed on the
Your Benefits Resources Web site when you
enroll
Enrollment Must-Knows• If you opted out of disability coverage when you
were hired, you can enroll at any time by calling
the Benefits Choice Center; however, you can
enroll or drop coverage only once during a rolling
12-month period. A statement of health is
required.
• If you are currently enrolled in disability, you do
not have to reenroll during Annual Enrollment—
you will keep your coverage for 2010 unless you
make a change.
Your 2010 Disability OptionsYour disability plan options are:
• Short- and long-term disability coverage (you
must be enrolled in short-term disability to
enroll for long-term disability)
• Short-term disability insurance only
More about Full-time Hourly Disability • The short-term disability plan begins paying 60%
of your base pay after an illness or injury has kept
you unable to work for seven consecutive calen-
dar days; benefits continue for an approved period
of disability up to 25 weeks.
• If you are enrolled in the long-term disability and
your disability qualifies as a total disability after 26
weeks, long-term disability benefits of 60% of your
base pay begin and continue for the remainder of
your disability, up to the maximum benefit duration.
Short- and long-term disability benefits are reduced
by other income you receive (such as Social
Security and Workers’ Compensation) while you are
disabled. For more information on how the disability
plans work, see the Disability for Full-time Hourly
Associates chapter in the Benefits Summary.
Disability Coverage for Salaried Associates What’s New for 2010• New long-term disability benefit choice–you
choose whether to receive LTD benefits as a
tax-free or taxable benefit
Enrollment Must-KnowsDuring this annual enrollment period, salaried asso-
ciates can choose whether to receive long-term dis-
ability benefits as a tax-free or a taxable benefit.
Regardless of the option you choose.
Your Disability Benefit Choice Opportunity!During this annual enrollment period, you can choose
whether to receive any long-term disability benefits
payable to you as a tax-free or taxable benefit:
• Tax Plan Cost
• Tax on Benefit
You are currently receiving LTD coverage under the
Tax on Benefit option. Under this option:
• The LTD premium paid for your coverage by The
Home Depot will not be charged to you as income
and you will not pay income taxes on the premium.
• Any LTD disability benefit you receive will be tax-
able income to you.
Under the Tax Plan Cost option:
• The LTD premium paid for your coverage by The
Home Depot will be charged to you as income
and you will pay income taxes on the premium.
• Any LTD disability benefit you receive will be tax-
free income to you.
If you don’t make a choice during your annual enroll-
ment session, you’ll be defaulted into the tax on ben-
efit option. You cannot change your choice until the
next annual enrollment period.
Disability Coverage
Live the Orange Life: Guide to Your Benefits Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495413
As you can see, the tax plan cost option lowers your
biweekly paycheck—in this $70,000 salary example,
it lowers each biweekly paycheck by $5.74 or
$149.24 a year—but provides a higher LTD benefit.
Here is an example of how the tax plan cost and the
tax on benefit options affect the biweekly paycheck
and the annual LTD benefit of an associate making
$70,000 a year:
$70,000 a
Year Salary
Net Biweekly
Paycheck
Amount
Annual LTD
Benefit
Tax on Plan
Cost Option$1,699.84 $42,000
Tax on Benefit
Option$1,705.58 $26,607
Example Associate Profile
Annual Base Pay $70,000
Federal Income Tax Rate (based on single filing status) 25%
State Tax Rate 4%
FICA 7.65%
Total Tax 36.65%
Company Paid Biweekly LTD Premium for Annual Base Pay of $70,000 $15.64
Tax on Plan Cost
Paycheck Example
Earnings Taxes (on $2,707.95)
Regular $2,692.31 FICA Med (1.45%) $39.27
Company Paid
LTD Premium1
$15.64
FICA OASDI (6.2%) $167.89
Federal $676.99
State $108.32
Total Taxes $992.47
GROSS PAY
$2,707.95NET PAY
2
$1,699.84
1 Taxable Income, not actual income2 Net Pay reduced by $5.74 per paycheck or $149.24 annually
Impact on LTD Benefit (if approved for LTD)
Annual LTD Benefit
(60% of annual base pay)$42,000
($70,000 x 60%)
Federal Income Tax Rate
(based on single filing status)$0
Annual LTD Benefit After Taxes $42,000
Tax on Benefit
Paycheck Example
Earnings Taxes (on $2,692.31)
Regular $2,692.31FICA Med (1.45%) $39.04
FICA OASDI (6.2%) $166.92
Federal $673.08
State $107.69
Total Taxes $986.73
GROSS PAY
$2,692.31NET PAY
2
$1,705.58
Impact on LTD Benefit (if approved for LTD)
Annual LTD Benefit Before
Taxes (60% of annual base pay)$42,000
($70,000 x 60%)
Income Tax on Benefit
Received (assumes 25%
federal, 4% state and
7.65% FICA = 36.65%)
$15,393
($42,000 x
36.65%)
Annual LTD Benefit After Taxes$26,607
($42,000-$15,393)
The following charts show detailed examples of how the tax on plan cost and tax on benefit options affect
your LTD benefit and your income taxes.
Detailed Example of How LTD Options Affect Your Paycheck and LTD Benefit
This example shows how each of the LTD options affects the paycheck and LTD benefit of an associate
earning $70,000 a year.
FutureBuilder Enrollment Must-KnowsYou can begin making before-tax contributions to
your FutureBuilder account when you complete 90
days of service.
It’s easy to enroll in FutureBuilder or make changes
to your contributions or investments during your
enrollment session!
Use the Power of FutureBuilder,Home Depot’s 401(k) Program!• Matching Home Depot contributions—once you
have completed one year of service (at least
1,000 hours 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’ll receive
50¢ for every dollar you save from the next 2% to
5% of your pay.
• A lower tax bill—you lower your tax bill today by
making before-tax contributions to FutureBuilder.
You pay no taxes on your contributions, the com-
pany matching contributions or your investment
earnings until you take the money out of the plan.
• A variety of investment approaches—you can
let the professionals invest your account by
choosing a LifePath Portfolio or make your own
investment decisions among the plan’s core funds
or through the self-directed brokerage window.
• Professional investment advice—if you would
like professional advice on how much to save
through FutureBuilder and how to invest your sav-
ings in the plan, consider using Merrill Lynch
Advice Access. Merrill Lynch Advice Access pro-
vides you with professional help on determining
how much to save, which FutureBuilder core fund
investments to choose and how to monitor your
progress and stay on track.
It’s important to thoroughly review the FutureBuilder
chapter in the Benefits Summary for complete infor-
mation about how the plan works.
Could you use some professional investment
advice? Visit livetheorangelife.com and click the
financial tab. Here you’ll find a video about Merrill
Lynch’s Advice Access.
Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495414
Short- and Long-Term DisabilityCoverage for Salaried AssociatesThe Home Depot automatically provides salaried asso-
ciates with short- and long-term disability coverage.
• The short-term disability plan begins paying your
regular bi-weekly pay after an illness or injury has
kept you unable to work for seven consecutive
calendar days. Short-term disability benefits con-
tinue for a period of disability approved by the
plan’s third party administrator up to a maximum
of 90 days.
• If your disability qualifies as a total disability after
90 days, long-term disability benefits of 60% or
70% (if you receive income from certain other
sources)—whichever benefit is lower—of your
base pay plus bonuses begin. Long-term disabili-
ty benefits continue for the remainder of your
disability, up to the maximum benefit duration.
Short- and long-term disability benefits are reduced
by other income you receive (such as Social
Security and Workers’ Compensation) while you are
disabled. For more information on how the disability
plans work, see the Disability for Salaried
Associates chapter in the Benefits Summary.
FutureBuilder
Live the Orange Life: Guide to Your Benefits Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495415
How to Enroll
ESPP Enrollment Must-KnowsYou have two opportunities to enroll in the ESPP
each year—before each ESPP “Plan” deadline—
December 17 for the January 1, 2010 plan and June
16 for the July 1, 2010 plan. You can enroll on
Your Benefits Resources by clicking the ESPP tab.
Use the Power of Home Depot’sEmployee Stock Purchase Program!• Get Home Depot Stock at a discount! The
Employee Stock Purchase Plan gives you a
unique opportunity to invest in ownership of the
Company at a special associate price. Through
the plan, you can purchase shares of Home Depot
stock at a 15% discount.
• Buy stock through convenient payroll deduc-
tions! When you enroll, you’ll indicate the percent-
age of your pay you want to invest in the ESPP
through payroll deduction, up to a maximum of 20%
of your eligible earnings or $21,250. On the last day
of each plan, Home Depot stock will be purchased
for you. The price of the stock is 15% off the closing
stock market price on the last day of the plan.
For more information on this exclusive associate
opportunity, see the Employee Stock Purchase
Plan chapter of the Benefits Summary.
The Employee Stock Purchase Plan
What’s New for 2010• New, simplified enrollment steps guide you
through the process that includes helpful
decision-making tools!
• New requirement to designate your life and
AD&D beneficiaries online!
Enrollment Must-Knows• If you want to make changes to your medical,
dental or vision coverage, you MUST go to the
Your Benefits Resources Web site or call the
Benefits Choice Center by November 13! If you
don’t go to Your Benefits Resources and make
changes, in 2010 you’ll automatically receive the
same medical/vision and dental coverage you
have now. You must actively enroll in one or both
of the spending accounts if you want to participate
in 2010.
If you are currently enrolled in life and/or disability
insurance, you do not have to reenroll in these
plans during Annual Enrollment—you will keep
your coverage for 2010 unless you make a
change.
• You must designate your beneficiary(ies) for
your life and AD&D coverage using the new
online Beneficiary Designation form during your
Annual Enrollment session! This online designa-
tion will replace any prior designations you have
made on paper. Remember, all full-time and salaried
associates have Basic AD&D coverage and must
designate a beneficiary for this coverage online.
When You EnrollYour enrollment deadline is November 13! If you
want to make changes to your medical, dental or
vision coverage for 2010, you must go to the Your
Benefits Resources Web site or call the Benefits
Choice Center by November 13! If you want to
participate in the spending accounts next year, you
must go to the Your Benefits Resources Web site
or call the Benefits Choice Center by November 13!
Using Your Benefits Resources to EnrollThe easiest way to enroll in your benefits is
on the Your Benefits Resources Web site—
plus, you could win free medical coverage
or a $50 VISA gift card!
You can enroll at any time, as long as you enroll
before November 13. Be sure to take advantage of
the online annual enrollment tools to help you
make your medical/vision and dental plan decisions.
FIRST, log on to Your Benefits Resources at
http://resources.hewitt.com/homedepot, then
visit the Annual Enrollment page. Here you can
learn about and enroll in your 2010 benefits.
Use Steps 1, 2 and 3 to help you make your benefit
choices and click Step 5 when you’re ready to enroll!
• Select 5. Enroll in your health and welfare
benefits then click Enroll Now! to begin the
enrollment process.
• Click on each plan—Medical/Vision Plan,
Dental Plan and Spending Accounts—to
choose your options for 2010. Don’t forget
while you’re enrolling to:
—Choose your coverage option in each plan.
—Select the dependents you want covered under
each plan. To add a new dependent, choose Add
a Dependent located on each plan page and
then enroll them for coverage. You also must cer-
tify that the dependent is eligible for coverage.
• Click the Choose a Beneficiary link and use
the new Online Beneficiary Form to name your
beneficiary for your Basic AD&D coverage and
these other plans if you are covered: Basic Life
Insurance (you receive automatically if you have
medical coverage through the company),
Voluntary Life Insurance, and Voluntary AD&D.
This online designation(s) will replace any prior
designations you have made on paper. Paper
beneficiary forms will no longer be used to name
beneficiaries—this must be done online!
° Once your benefit selections are complete, go
to Confirm Your Choices at the bottom of the
screen and click the Complete Enrollment button.
° You should receive a Completed Successfully
message on screen. If you don’t, your elections
haven’t been saved. It’s a good idea to print your
confirmation for your records.
You’ll see this Completed Successfully message
when your enrollment is complete.
You can also make changes to your FutureBuilder
account quickly and easily during your enrollment
session by clicking 6. Review Your FutureBuilder
401(k) Plan on the Annual Enrollment page.
You can enroll in your 2010 benefitsthrough the Benefits Choice CenterWhile the easiest, most convenient way to enroll is
through Your Benefits Resources, you also may
call 1-800-555-4954 and speak with a representative.
You’ll receive a Confirmation of Enrollment in the
mail whether you enroll online or by phone.
Don’t forget to enroll by your enrollment deadline!
Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495416
Live the Orange Life: Guide to Your Benefits Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495417
Use Your Online Annual Enrollment ToolsYour online Annual Enrollment tools are valuable
resources for choosing your benefits. You’ll find links
to these tools on the Annual Enrollment page:
Under 2. Medical/Vision tools to help you
choose, you’ll find:
• Compare Medical plan details—Compare
your Medical Plan choices side by side.
• Search for medical/vision providers
• Compare medical plan costs
Under 3. Dental tools to help you choose, you’ll find:
• Compare dental plan details
• Search for dental providers
Under 4. Consider a Spending Account, you’ll find:
• Estimate Your Health Care Needs—Use this tool
to estimate how much you should contribute to
your Health Care Spending Account.
• Estimate Your Dependent Care Needs—Use
this tool to estimate how much you should con-
tribute to your Dependent Care Spending Account.
I Want to Enroll Now!Go to the Your Benefits Resources Web site.
Call the Benefits Choice Center at 1-800-555-4954
and speak with a representative. Keep in mind that
you may experience long wait times to speak with a
representative 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 to pro-
vide the last four digits of your Social Security num-
ber and your date of birth. Then you will be prompt-
ed to set up a new User ID and password. You also
will answer five security questions.
3
2
1
Have Your User ID and Password Ready Before Enrollment!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 SocialSecurity 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, AnswerSecurity Questions or Reset Password 3
Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495418
2010 Health Care Plan Eligibility and Bi-Weekly Payroll Deductions
Full-TimeHourly &Salaried
Associates
Part-TimeHourly
Associates
Associate -Only
Associate +Spouse
Associate +Child(ren)
Associate +Family
MEDICAL/VISION PLAN OPTIONS
TakeCare PPO o $30.50 $76.50 $62.50 $111.00
TakeCare Asia o $21.50 $54.00 $44.00 $78.50
MEDICAL PLAN OPTIONS
Take Care $10,000 Max o o $37.38 $82.14 $67.38 $120.00
DENTAL PLAN OPTIONS
TakeCare Dental o o $20.97 $41.95 $39.85 $55.37
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.
• 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.
2010 Payroll Deductions
Live the Orange Life: Guide to Your Benefits Guam Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-495419
Benefits Contact ListPhone Number Internet Address
General Assistance
Benefits Choice Center: Benefits questions & enrollment 1-800-555-4954 Your Benefits Resources™ http://resources.hewitt.com/homedepot
HR Services:HR/Pay questions 1-866-myTHDHR (1-866-698-4347) www.myTHDHR.com
Full-Time Hourly/Salaried Medical/Vision and Dental Plan Provider
TakeCare 1-671-647-3526 www.takecareasia.com
Flexible Spending Accounts
Your Spending Accounts (YSA) 1-800-555-4954 Your Benefits Resources™ http://resources.hewitt.com/homedepot
Life Insurance/Disability/Accidental Dismemberment
MetLife 1-800-638-9909 www.metlife.com or go to Your Benefits Resources for single sign-on
To Learn About...
Associate Discounts http://resources.hewitt.com/homedepot and select the Associate Discounts tab
CARE/Solutions for Life 1-800-553-3504 www.caresolutionsforlife.com
CareerDepot https://careers.homedepot.com/cg
ESPP (Employee Stock Purchase Plan) 1-800-843-2150www-us.computershare.com/employee; To enroll:http://resources.hewitt.com/homedepot
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
Merrill Lynch 1-800-843-2150 www.bol.ml.com
Quit for Life (Quit Tobacco Program) 1-866-784-8454 www.quitnow.net/homedepot
20
Hawaii Full-Time Hourly and Salaried Associates
This information offers only a brief overview of the benefit plans. By enrolling in or making
changes to your benefits (including such actions as, but not limited to: adding dependents,
verifying a child’s full-time student status), you are responsible for providing truthful and
accurate information. Providing false information may result in disciplinary action as outlined
in the Company’s code of conduct.
The Benefits Summary is the definitive guide to benefits at The Home Depot. The ben-
efits information in this Annual Enrollment Guide is provided as a service to associ-
ates. A description of the benefit provisions, conditions and limitations will be included in the
current Benefits Summary, which is provided annually to all associates. Plans having these
programs and features also have exclusions, limitations, reductions of benefits and terms
under which the plans and policies may be continued in force or
discontinued. In the event of a conflict between this guide and the plan documents or poli-
cies, the plan documents or policies will govern. The Company has the right to amend or ter-
minate these benefits at any time.
Confidential and Proprietary
This is an unpublished work containing confidential and proprietary
information of The Home Depot. All rights reserved.
GUAM FULL-TIME HOURLY AND SALARIED ASSOCIATESGU FS GUIDE 2010
© 2009 Homer TLC, Inc. All rights reserved. Your Benefits Resources is a trademark of Hewitt Management Company LLC.