benefits annual enrollment guide - home depot live the orange life

BENEFITS ANNUAL ENROLLMENT GUIDE

Your 2014

Valuable Benefits Available Exclusively to YouFor California Full-time Associates

Your ActionNeeded!

The benefits information in this Annual Enrollment Guide is provided as a service to associates. In the event of a conflict between the information provided in the Annual Enrollment Guide, BenefitsSummary and other plan documents or policies, the plan documents or policies will govern. Although The Home Depot established its benefit plans with the intention that they may be maintainedindefinitely, the plans may be amended, terminated or discontinued at any time. The Benefits Summary is available at livetheorangelife.com.

The FutureBuilder Summary Annual Reports have been posted to livetheorangelife.com under the communications tab. The Health and Welfare Plans’ Summary Annual Reports will beposted to livetheorangelife.com under the communications tab in early 2014.The annual Medicare Part D notice has also been posted to livetheorangelife.com under communications and a paper copy can be requested by calling the Benefits Choice Center at 1-800-555-4954.

¿No hablas o lees inglés? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al

1-800-555-4954 y diga “Estados Unidos” para hablar con un representante en español.

What’s Inside...NEW

OPTIONS FOR2014. Learn more inside!

1 ENROLLMENT

Review this im

portant

information an

d take action.

2 HEALTH CAR

E

REFORM

Key parts of th

e new health

care law take

effect in 2014

.

3 MEDICAL &

PRESCRIPTIO

N DRUG

Learn about th

e new

medical plan o

ptions.

10 HEALTHY

LIVING

CREDITS

We’re continuin

g our focus

on health imp

rovement.

12 MORE BEN

EFITS

TO ENROLL IN

Don’t miss new

offerings

for 2014!

13 PAYROLL

DEDUCTIONS

Review the co

sts for covera

ge.

14 OTHER VAL

UABLE

BENEFITS

Take advanta

ge of these

throughout the

year.

16 AFFORDA

BLE CARE

ACT REQUIRED

LEGAL NOTIC

E

livetheorangelife.com 1

WHAT YOU NEED TO KNOW for 2014 Annual Enrollment

You must take action during enrollment to:• Enroll in medical coverage. If you do not take action and are enrolledin a Home Depot medical plan in 2013, you will automatically be defaulted into the Gold HMO Blue Shield medical option.

• Have Basic Life, Basic Dependent Life or Basic AD&D coverage.

• Receive Healthy Living Credits in your paychecks.

• Participate in the spending accounts.

• Enroll or change your election in your other benefits like dental and vision coverage. If you do notmake a change, you will be defaulted into your current option for these benefits.

2014 Annual Enrollment Period: Nov. 12- Nov. 22

October & November December

• Check your 2014 medical plancarrier and network. If needed,nominate your provider to be inthe network and get transitionof care information.

• Get the details of your 2014 benefit options in the electronicannual enrollment guide.

• Enroll in your 2014 benefits during your annual enrollmentperiod (see above).

• Complete the online Health Assessment as part of yourBuilding Better Health Credit.

• Look for information on the 2014Hidden Health Risk Screening.

• Watch for your new medical ID cards at your home (except current Kaiser Permanente enrollees will not receive a newcard if they stay enrolled in aKaiser Permanente option).

• Provide required information to verify your covered spouse or domestic partner (e.g., marriagecertificate). After you enroll, adocumentation request will besent to your home address.

2014 Annual Enrollment Timeline

Do all of this and more at livetheorangelife.com.

VISIT livetheorangelife.com> Annual Enrollment.

Watch the video onHome Depot’s 2014 benefit changes, alsofound on livetheorangelife.comunder Annual Enrollment.

2

Health Care Reform in 20142014 is an important year as key provisions of the health care law go into effect, including:

• The creation of the new public Marketplace (or “exchange”) where you can shop for Health Care insurance beginning in October for coverage beginning as early as January (see comparison chart below and notice on pages 16-17)

• The requirement for most individuals to have Minimal Essential medical coverage. Learn more at livetheorangelife.com/IM

The Home Depot Coverage

Public Marketplace Coverage

The Home Depot contributes to the cost of coverage Yes No

Can be paid pre-tax and through payroll deductions Yes No

Plan options named by level of coverage (for example Gold, Silver, Bronze) Yes Yes

Coverage satisfies the new requirement that most individuals have Minimal Essential Coverage (as part of the health care law) Yes Yes

Government tax credits (subsidies) available to help pay for Marketplace coverage No Based on your

household income*

* Individuals who are offered coverage through their employer may be eligible for subsidized coverage in a Marketplace plan (through tax credits)if the cost of their employer’s coverage is unaffordable (associate-only coverage contribution is more than 9.5% of their household income).

2 2014 Benef i ts Annual Enrol lment Guide

Tools To Help With Health Care Reform

WATCH the Kaiser Family Foundation videos on Health Care Reform Basics and what’s changing in 2014.

TRY the Kaiser Family Foundation’s Subsidy Calculator if you are curious about government tax credits towards Marketplace coverage.

Both the videos and the calculator can be found at livetheorangelife.com/kff

The Kaiser Family Foundation is an independent nonprofit organization.

QUICKCOMPARISON of Marketplace Coverage to the 2014 Coverage Offered Through The Home Depot for Full-time Associates


LOWER

AMOUNT YOU PAY to be enrolled in medical coverage

HIGHER

BRONZE

AMOUNT YOU PAY out-of-pocket when youuse medical services

LOWER

HIGHER

SILVER

GOLD

New Plan NamesTo make it easier to compare medical plan options, plans offered in theMarketplace and through The Home Depot will have consistent names:Gold, Silver or Bronze. This will ensure you can compare Home Depotcoverage with the appropriate plans offered in the public Marketplace.

Bronze plans will have the lowest periodic contributions, but will have the highest out-of-pocket cost when you use medical services. Gold plans will have higher periodic contributions than bronze plans, but will have lower out-of-pocket costs when you use medical services.

WHAT’S CHANGING for Medical Coverage in 2014

New Plan Options and NamesYou will find new medical plan options outlined on pages 8 and 9. Additional details will be provided in the electronic enrollment guides on livetheorangelife.com beginning October 29.

In addition, the plan options have new names:

New Medical Plan Carriers and Networks Depending on Where You Live

We will be keeping Kaiser Permanente and adding two new carriers—Blue Shield of California and Anthem—in our ongoing effort to provide high-quality care at competitive costs. The medical carriers and networks available to you will be based on your home ZIP code. Visit livetheorangelife.com > Annual Enrollment and enter your ZIP code to find your carrier. If needed, you can nominate your provider to be in the network and get transition of care information.

You Will Be Defaulted Into an Option If You Don’t Take Action and Are Enrolled TodayIf you are enrolled in Home Depot medical coverage today and do not make an active electionduring annual enrollment, you will be placed into the Gold HMO Blue Shield medical plan option.Take the opportunity to review your options to ensure that you choose the right plan for you.

1

2

3

GOLD


ALL-NEW Medical Options For 2014

Your 2014 Medical CoverageEach year, The Home Depot reviews the cost efficiency and quality of medical provider networks to ensure they are providing the right care and managing costs to meet our associates’ needs. The Home Depot is pleased to announce a new partnership with Blue Shield of California and an expanded partnership with Anthem BCBS in California. We also will continue to offer medical options through our long-time partner, Kaiser Permanente.

Based on your home ZIP Code, you will have access to the following medical options. You can visitlivetheorangelife.com/AE to see which medical plan options you will have.

For details on each one of these options, see pages 8-9 of this guide.

Introducing Blue ShieldBlue Shield provides health insurance to 3.3 million Californians. As a Home Depot associate, you will have access to the expansive Blue Shield network. This network has more than 38,000 providers and almost 300 hospitals. To find out if your doctor is in the network, go to livetheorangelife.com.

In addition to an expansive network, the Gold HMO Blue Shield plan offers many features that giveyou flexibility and wellness opportunities:

• Your Personal Physician coordinates your care. You name a primary care physician for eachcovered member of your family. You can get quality and patient satisfaction scores for networkdoctors by going to blueshieldca.com/homedepot and selecting Find a Provider.

• Two options for receiving specialist care. If you need to see a specialist, you can get a referralfrom your Personal Physician, or you can visit a specialist within your Personal Physician’s medicalgroup without a referral. Tip: Get a referral to pay less!

• Many free services and discounts. Blue Shield members have access to NurseHelp 24/7SM

and free sessions with licensed therapists through LifeReferrals 24/7SM. Members also receivediscounts on gym memberships, acupuncture, massage therapy, chiropractic services, contactlenses and eyeglasses, LASIK and more!

For a complete list of features, visit livetheorangelife.com.

If You Live in a Kaiser Permanente Area If You Do Not Live in a Kaiser Permanente Area

• Gold HMO Blue Shield • Gold HMO Kaiser Permanente • Silver Plus HDHP Kaiser Permanente • Silver Plus HDHP Anthem • Bronze HDHP Anthem

• Gold HMO Blue Shield • Silver Plus HDHP Anthem • Bronze HDHP Anthem

If you would like to enroll in a Kaiser Permanente option,call the Benefits Choice Center at 1-800-555-4954.

Introducing AnthemAnthem has been serving Home Depot associates outside of California for several years. For 2014, California associates have the option of two High Deductible Health Plans (HDHPs) through Anthem. The Anthem HDHPs provide in-network benefits through the Anthem BlueCard network. To find out if your doctor participates in the Anthem BlueCard network, go to livetheorangelife.com.

Anthem also offers its members great features, including special discounts and programs. For a complete list and description of these member features and programs, go to livetheorangelife.com.

Consider a High Deductible Health Plan with a Health Savings AccountThe HDHPs have the lowest payroll deductions among the Company medical plans. Along with alower payroll deduction, the HDHPs offer the following features:

• Eligible preventive care services are FREEwith no deductible when youuse in-network providers.

• Eligible preventive care prescription drugs are covered before youmeet the deductible—including drugs for high blood pressure and cholesterol, diabetes and depression. You’ll find a complete list of eligible preventive care prescription drugs under the HDHP in the electronic enrollment guide on livetheorangelife.com.

• HDHP participants receive free money when the Company matches contributions to a Health Savings Account (HSA).When you contribute to an HSA, you receive matching contributions (up to $200 for individual coverage or up to $400 for family coverage). You canuse these tax-free dollars to pay for eligible health care expenses. Plus, your balance rolls over year after year.

It’s important to note that HDHP participants must meet the deductible before benefits arepayable for most medical services, including office visits, diagnostic tests, outpatient sur-gery, hospitalization and prescription drugs that are not eligible preventive care medications.


!


ALL-NEW Medical Options For 2014 continued

Top FAQs Around These ChangesFor Blue Shield For Anthem

Q1 How do I know if my doctor is in the BlueShield Access+ network?

A Most Health Net providers also participate in the Blue Shield Access+ network. To check yourdoctor’s network status or find a new Access+provider, go to blueshieldca.com/homedepotand click Find a Provider or call 1-888-587-9503.

Q2 I am in the middle of receiving care for a medical condition. Can I continue care for this condition with my current doctor?

A If you are seeing a provider who is not in the Blue Shield network, Blue Shield may arrange for continuity of your care, which allows you tocontinue to see your current non-network providerduring the course of your treatment while still receiving the in-network level of benefits.

To request continuity of care, call Blue ShieldMember Services at 1-888-587-9503. You also can download the Continuity of Care applicationby going to blueshieldca.com/homedepot.

Q3 How do I find out if my medication is on Blue Shield’s formulary list?

A Go to blueshieldca.com/homedepot, selectPharmacy Benefits > Drug Database and Formulary.

Q4 I currently get my maintenance drugs fromHealth Net’s mail service pharmacy. Do Ineed to set up a new mail-order accountthrough Blue Shield?

A No. Your maintenance medication prescriptionwill automatically be transferred to PrimeMail ifyou have refills available after January 1, 2014.All you need to do is contact PrimeMail to provide your payment information.

Q5 Can I talk to someone at Blue Shield to discuss my personal situation?

A Yes. If you have questions about your health planand your personal situation, please contact yourdedicated Home Depot Blue Shield Member Services Team at 1-888-587-9503.

Q1 How do I know if my doctor is in the AnthemBlueCard network?

A To check your doctor’s network status or find anew BlueCard provider, go to livetheorangelife.comor call 1-877-434-2734.

Q2 I am in the middle of receiving care for a medical condition. Can I continue care for this condition with my current doctor?

A To find out about transition of care provisions, visit livetheorangelife.com > Annual Enrollment.

Q3 How does prescription drug coverage workthrough Anthem?

A As a participant in the Silver Plus HDHP orBronze HDHP, your prescription drug coveragewill be administered by CVS/Caremark. You will pay less for prescriptions you have filled at an in-network pharmacy. To locate a CVS/Caremark network pharmacy in your area, go towww.caremark.com/HomeDepot and use the“Locate a Pharmacy” search or call CVS/Care-mark Customer Care toll-free at 1-866-490-3376.

Q4 How do I find out if my medication is onCVS/Caremark’s Primary/Preferred list?

A CVS/Caremark’s Value Primary/Preferred Druglist, which is revised quarterly, can be found on www.caremark.com or by calling 1-866-490-3376.

Q5 I have specific questions I would like to ask.Can I speak with someone at Anthem?

A Yes. If you have any questions about your coverage or the services provided to Anthemmembers, call Anthem at 1-877-434-2734.


Kaiser Permanente—Quality Health Care that Saves You Time & MoneyKaiser Permanente offers many features that save you time and money, including:

• A range of services under one roof. Exams, x-rays, lab and pharmacy services are available at many Kaiser Permanente medical offices.

• Extended office hours.Medical offices are open after hours and on weekends.

• Online convenience through My Health Manager. If you sign up for My Health Manager on www.kp.org, you can go online tomake a doctor’s appointment, email doctors and specialists withroutine health questions, order prescription refills, most of which can be mailed to you at no extra charge, view certain lab results and your recent immunization history and more!

To find out more about Kaiser Permanente including finding a facility or doctor, go tohttp://my.kp.org/homedepot.

If you are changing your coverage from Health Net or any other medical insurance to Kaiser Perma-nente, and have any questions about the transition of care, visit http://my.kp.org/homedepot andclick on the Support tab on the home page or call 1-800-464-4000.


ALL-NEW Medical Options For 2014

OPTION 1: GOLD HMO KAISER PERMANENTE1

OPTION 2: GOLD HMO BLUE SHIELD

Medical Carrier and NetworkWe’ve selected carriers andnetworks to provide high-quality health care whilemanaging costs. Your carriermay change for 2014.

Per Pay Period Cost $87.75 $110.00

Healthy Living Credits Eligible for $10 Biweekly Tobacco-Free Credit and $25 Biweekly Building Better Health Credit

Per Pay Period Cost AfterCredits Received2 $52.75 $75.00

Deductible(Individual) $750 $750 (only applies to inpatient)

Out-of-Pocket Maximum3

(Individual) $5,000 $5,000

Eligible Preventive Care Covered at 100% with no deductible Covered at 100% with no deductible

Inpatient Hospital(You Pay) 20% after deductible 20% after deductible

Primary Care Physician(You Pay) $25 $25

Specialist(You Pay) $50

$25, if referred by your Personal Physician$50, if you self-refer within your Medical Group

Prescription Drug Coverage

Your prescription drug coverage is through Kaiser Permanente.

Your prescription drug coverage is through Blue Shield of California.

Health Savings Account Eligible

No No

1 If you do not live in the Kaiser Permanente network area and do not see this option during enrollment, you can call the Benefits ChoiceCenter to enroll. Otherwise you will have the following options available: Gold HMO Blue Shield, Silver Plus HDHP Anthem & BronzeHDHP Anthem. For more information on the Silver Plus HDHP option, visit livetheorangelife.com.

2 Cost assumes you receive associate-only available Healthy Living Credits (see page 10).3 Most copays now count toward the Out-of-Pocket Maximum.

In-Network Pharmacy In-Network Pharmacy

Retail (up to a 100-day supply)—You Pay Retail —You Pay

Generic $10 copay Generic 20%, $10 maximum

Preferred Brand $30 copay Preferred Brand 20%, $50 maximum

Non-Preferred Brand Not covered Non-Preferred Brand 40%, $150 maximum

Mail Order (up to a 100-day supply)—You Pay Mail Order (90-day supply)—You Pay

Generic $10 copay Generic 20%, $20 maximum

Preferred Brand $30 copay Preferred Brand 20%, $100 maximum

Non-Preferred Brand Not covered Non-Preferred Brand 40%, $300 maximum

If you are enrolled in medicalcoverage today and do not takeaction, you will be enrolled in the

Gold HMO Blue Shield Plan.

GOLD GOLD


OPTION 3: SILVER PLUS HDHP

KAISER PERMANENTE1,2

OPTION 4:SILVER PLUS HDHP

ANTHEM2

OPTION 5: BRONZE HDHP ANTHEM2

Medical Carrier and NetworkWe’ve selected carriers andnetworks to provide high-quality health care whilemanaging costs. Your carriermay change for 2014.

Per Pay Period Cost $64.25 $83.25 $42.00

Healthy Living Credits Eligible for $10 Biweekly Tobacco-Free Credit and $25 Biweekly Building Better Health Credit

Not eligible for Healthy Living Credits

Per Pay Period Cost AfterCredits Received3 $29.25 $48.25 $42.00

Deductible (Individual) $2,000 $2,000 $3,500

Out-of-Pocket Maximum(Individual) $5,000 $5,000 $6,350

Eligible Preventive Care Covered at 100% with no deductible Covered at 100% with no deductible

Inpatient Hospital(You Pay) 20% after deductible 30% after deductible

Primary Care Physician(You Pay)

20% after deductible 30% after deductible

Specialist(You Pay) 20% after deductible 30% after deductible

Prescription Drug Coverage

Your prescription drug coverage is through Kaiser

Permanente.

20% for generics and preferred brand, non-pre-ferred brand not covered

You must meet the deductiblebefore prescription drugs

are covered except for eligible preventive care

prescription drugs.

Your prescription drug coverage is through

CVS/Caremark.

20% for generics and preferred brand, 40% non-preferred brand

You must meet the deductiblebefore prescription drugs

are covered except for eligible preventive care

prescription drugs.

Your prescription drug coverage is through

CVS/Caremark.

30% for generics and preferred brand, 65% non-preferred brand

You must meet the deductiblebefore prescription drugs are covered except for eligible preventive care

prescription drugs.

Health Savings Account Eligible

Yes—The Company will match up to $200 in contributions an-nually and you can contribute pre-tax up to $3,100 annually.4

Yes—The Company willmatch up to $200 in contribu-

tions annually and you cancontribute pre-tax up to

$3,100 annually.4

1 If you do not live in the Kaiser Permanente network area and do not see this option during enrollment, you can call the Benefits Choice Centerto enroll. Otherwise you will have the following options available: Gold HMO Blue Shield, Silver Plus HDHP Anthem & Bronze HDHP Anthem.

2 In a High Deductible Health Plan (HDHP), no coverage is provided until the deductible is met aside from eligible preventive care and eligible preventive care prescription drugs.

3 Cost assumes you receive associate-only available Healthy Living Credits (see page 10).4 You can contribute an additional $1,000 if you are age 55 or older.

NOTE: Charts on pages 8 and 9 assume associate-only in-network coverage. For dependent coverage information, refer to the detailed electronic guide on livetheorangelife.com beginning October 29.

SILVER BRONZESILVER


Credit Steps for Associate and/or Spouse*Enrolled in a Company Medical Plan:

ActionNeeded

Credit Amount

Building Better Health Credit—NEW Name and NEW 3rd Step!(formerly the Health Assessment & Hidden Health Risk ScreeningCredit)

• STEP 1: Complete the online Health Assessment Complete byDecember 6

Associate: $25 Spouse*: $25

• STEP 2: Participate in the Hidden Health Risk Screening Complete byFebruary 14

• NEW STEP 3: ANNUAL SIX-WEEK HEALTH CHALLENGEParticipate in the annual six-week Home Depot Health Challenge and earn at least 100 points

Participate inJuly-August

Tobacco-Free Credit Must be tobacco-free for six months or more (or have never used tobacco)

Be 6 monthstobacco-free

Associate: $10 Spouse*: $10

* Or domestic partner.

If, due to a medical condition, it is medically inadvisable or unreasonably difficult to participate in the Screening or the HealthChallenge, you can complete a physician waiver form. A physician's signature is required and the form is available on livetheorangelife.com or by calling the Benefits Choice Center at 1-800-555-4954.

If you think that you are unable to meet the tobacco-free requirement standard, you might qualify for an opportunity to earn thetobacco-free credit by a different means. Contact the Benefits Choice Center at 1-800-555-4954 and we will work with you (and,if you wish, your doctor) to find a reasonable alternative to allow you to earn the credit.

YOUR VALUABLE Healthy Living Credits

2014 Healthy Living Credits

You MUST elect these credits to receive them!

Don’s Amazing Transformation27-year associate Don from Store 8926 has lost more than 300pounds since December 2011! Finally fed up, Don changed hislifestyle for the better. He now goes to the gym every day beforework and bikes 5+ miles every evening. Congratulations Don ontruly becoming an inspiration.

How the Health Screening Led Lisa to Better HealthAfter finding she was at risk for two factors in her HealthScreening, Lisa, Asset Protection Manager for District 314,took charge of her health. With Weight Watchers and an XBoxexercise program, Lisa worked off 65 pounds and eliminated her need for cholesterol medicine. Congratulations, Lisa!

AFTERBEFORE

AFTERBEFORE


More About The Home Depot Health ChallengeChallenge participants complete healthy activities in three categories: Be Active, Eat Healthy and Outsmart Stress. To qualify for the Building BetterHealth Credit, you’ll need to earn at least 100 points

during the Challenge. You will earn points each day by performing healthyactivities in the following three categories:

MORE THAN 63,000associates and spouses participated in the 2013 six-week Home Depot Health Challenge

MANY WON $1,000 for themselves or their location’s Fun Fund.

The Challenge takes place on hdhealthchallenge.com. Look out for information about the Challenge before it begins in July 2014.

District Winners 3 Years Running—Store 2780 in Grand Haven, MichiganLeading the charge for 2780 is D25 supervisor Don Van Zytveld. Don always has a word of inspiration for his fellow associates and championshealthy alternatives, such as water flavored with fresh fruit, instead ofdrinks from the soda machine.

This gave Brian Jacobs, MET supervisor, the nudge he needed. Brianhas transformed himself by eliminating soda and fast food from his diet.Just 3½ months into his new lifestyle, Brian had already lost 39 poundsand two pants sizes.

Garden Associate Joe Masar beats high cholesterol and high-sodium snacks byserving up delicious healthy alternatives, such as chicken kabobs and sushi.

Way to go store 2780—keep up the great work!

Earn up to 4 points per day



Earn up to 10 Bonus Points perweek— complete activities like cooking healthy meals and keepinga food journal.

DON

BRIAN

JOE

MORE BENEFITS To Enroll InNEW—Take Action to Enroll in Basic Life and Accidental Death & Dismemberment CoverageNew for 2014, Basic Life and Basic Dependent Life insurance will be available to youseparately from medical coverage.

Also new for 2014, Basic AD&D coverage will be available to you if you choose to enroll.

You will be able to view your coverage options and the competitive prices you receive as a HomeDepot associate online during your enrollment session.

If you do not take action during enrollment, you will not have coverage in these plans for 2014. Also remember for the 2014 Annual Enrollment, no evidence of insurability is required for Basic Life Insurance; it will be required going forward.

Other Benefits to Enroll in During Your Enrollment Session

Visit livetheorangelife.com and click on Annual Enrollment to learn more in the Electronic Enrollment Guide available on October 29.

DON’T MISS YOUR

OPPORTUNITY

to enroll in Basic

Life Insurance with

no Evidence of

Insurability required.

Benefit Quick SummaryWhat you will be enrolled into if you do not take action!

Dental Coverage We will continue to offer three options to meet yourdental needs through our partnership with MetLife. Your current 2013 election

Vision Coverage We will continue to offer two options to meet your vision needs through our partnership with EyeMed. Your current 2013 election

The Hospital Indemnity Plan

This plan can provide needed cash if you have an inpatient hospital stay. Your current 2013 election

Critical Illness Protection Plan

This plan pays a lump-sum benefit if you or your covered family members are diagnosed with a criticalillness, such as a heart attack, stroke, cancer or one of 30 other covered illnesses.

Your current 2013 election

Health Care and Dependent Day CareSpending Accounts

Spending accounts are a great way to pay for certainqualified expenses with before-tax payroll deductions,reducing your taxable income. You may contribute upto $2,500 in a Health Care account and $5,000 in a Dependent Day Care account in 2014.

Health Care: $0.00

Dependent Day Care: $0.00

Supplemental Life and AD&D Insurance

You can purchase Supplemental Term Life Insurance andAD&D coverage equal to one to 10 times your annual basepay for yourself and/or your spouse/domestic partner.


Disability Coverage Provides additional financial protection if you become dis-abled and are unable to work because of illness or injury. Your current 2013 election

MetLaw Legal Services

Provides coverage for legal services, such as willsand estate planning documents and real estate matters, at a discounted price.


2 2014 Benef i ts Annual Enrol lment Guide8 BENEFITS ANNUAL ENROLLMENT GUIDE12 2014 Benef i ts Annual Enrol lment Guide


2014 Biweekly Payroll Deductions

* or domestic partner.

1 Associates covering 3 or more children under the full-time hourly or salaried Home Depot medical plan will pay an additional $25 per biweekly pay period. 2 The Company will match up to $200 annually for full-time hourly and salaried associates enrolled in associate-only HDHP coverage (up to $400for associate + dependent coverage). You can contribute pre-tax up to $3,100 annually.

3 The Bronze HDHP option is not eligible for the Healthy Living Credits.4 To receive the Building Better Health Credit, associate/spouse/same-sex domestic partner must be covered under a full-time hourly or salariedHome Depot medical plan, complete the online Health Assessment, complete the Screening in early 2014 and earn 100 points in the HomeDepot Health Challenge in July-August 2014.

• For weekly rates, take the biweekly rates and divide by 2.• In some instances your paycheck may not be enough to cover the entire amount of your benefits premiums. In those cases, the amount of thepremium above your paycheck is still owed and will be collected from your future paychecks

Associate Only Associate +Spouse

Associate +Child(ren)

Associate +Family

Full-time Hourly and Salaried Associates—Medical & Rx Coverage1

Medical HMO Plan Options

Gold HMO Blue Shield $110.00 $307.75 $222.50 $349.00

Gold HMO Kaiser Permanente $87.75 $238.50 $167.25 $267.00

High Deductible Health Plan (HDHP) Options + Health Savings Account (HSA)

Silver Plus HDHP Kaiser Permanente2 $64.25 $163.50 $109.00 $180.00

Silver Plus HDHP Anthem2 $83.25 $239.25 $160.75 $277.75

Bronze HDHP Anthem 2,3 $42.00 $143.25 $103.50 $170.75

Full-time Hourly and Salaried Associates—Valuable Healthy Living Credits4

Tobacco-Free Credit + $10.00 + $20.00 + $10.00 + $20.00

Building Better Health Credit4 + $25.00 + $50.00 + $25.00 + $50.00

Full-time Hourly and Salaried Associates—Dental & Vision Coverage

MetLife Dental Options

$500 Annual Maximum $6.19 $12.38 $12.54 $18.80

$1,000 Annual Maximum $12.91 $25.81 $26.13 $39.20

$2,000 Annual Maximum $16.00 $32.01 $32.40 $48.60

EyeMed Vision Options

Select $120 $2.12 $3.72 $3.85 $6.44

Select $150 $7.74 $13.84 $14.50 $22.76

2014 Biweekly Payroll Deductions for Your Medical, Dental and Vision Plans & Payroll Credit Amounts

for Your Valuable Healthy Living CreditsFor all other benefit costs, log on to Your Benefits Resources™ at

livetheorangelife.com or call the Benefits Choice Center at 1-800-555-4954.


OTHER VALUABLE BENEFITS

Best Doctors®—Expert Medical Second Opinion ProgramIf you are diagnosed with a serious illness and would like a second opinion, Best Doctors can help.Better than a traditional second opinion, Best Doctors can provide quick and easy access to the bestminds in medicine to help you get the right answers about your medical condition, diagnosis andtreatment so you have the support you need to make good medical decisions. Associates and theirdependents who are enrolled in a Home Depot medical plan can take advantage of this free, valuablebenefit. For more information, call 1-866-797-8021 or visit livetheorangelife.com > Health Care >Medical Second Opinion Program.

Teladoc®

Associates and their eligible dependents can speak with a U.S. board-certified Teladoc doctor via phone oronline video 24/7/365 to diagnose, treat and prescribe medication, if necessary, for many medical issues.

• At $40 per consultation for associates and their dependents who are enrolled in aHome Depot medical plan1, Teladoc costs you much less than urgent care or ER visits.

• A Teladoc doctor will call you back in 22 minutes, on average, from the time of your consult request.

• Examples of conditions you can treat through Teladoc include: cold and flu symptoms, bronchitis, respiratory infection, sinus problems, urinary tract infection, allergies, poison ivy and more.

A Teladoc doctor is just a click or call away. Visit Teladoc.com or call 1-800-Teladoc (1-800-835-2362).

1 Plus a small annual fee; call or go online for details. Costs may vary for those enrolled in the HDHP.

Bright Horizons Back-up Care Advantage Program®

The Home Depot has partnered with Bright Horizons to offer high-quality back-up dependent care when you need to be at work and your regular child or adult/elder care is unavailable.

Associates have access to the following back-up care programs:

• Center-based child care

• In-home child care (including for mildly ill child)

• In-home adult/elder care

Once you have been with the Company for one year, you will receive up to 10 days of care per year at deeply discounted rates through a nationwide network of quality providers. Visit livetheorangelife.com > Financial Wellness > Manage > Back-UpDependent Care or call 1-877-543-2822 to learn more.

You can take advantage ofthese benefitsthroughout the year.


FutureBuilder 401(k) Plan1

How FutureBuilder Helps You Save for Retirement

• 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.

• Professional investment advice—If you would like professional advice on how much to savethrough FutureBuilder and how to invest your savings in the plan, consider taking advantage of Financial Engines Investment Advice.

• A lower tax bill—You can lower your tax bill today by making before-tax contributions to FutureBuilder. You pay no taxes on your contributions, the Company matching contributions or your investment earnings until you take the money out of the plan.

Learn more and enroll at livetheorangelife.com > Financial Wellness > Save > FutureBuilder 401(k) Plan.

Employee Stock Purchase Plan (ESPP)The ESPP allows you to set aside up to 20% of your eligible pay (subject to certain tax limits) to purchase shares of Home Depot stock at a 15% discount. You have two opportunities to enroll in the ESPP each year—before each ESPP Plan deadline of June 16 and December 17. Learn more andenroll at livetheorangelife.com > Financial Wellness > Save > Employee Stock Purchase Plan.

Purchasing PowerThe Purchasing Power voluntary benefit allows eligible associates to buy brand name products like elec-tronics, baby gear, learning solutions and more through convenient payroll deductions and save 10%.2

Learn more at livetheorangelife.com > Financial Wellness > Save > Purchasing Power or call 1-800-541-4349.

Associate DiscountsThis is a site you should visit often. The Associate Discount website allows you to save on thousandsof products and services, including discounts on cell phones, fitness equipment, electronics, movietickets and many discounts exclusive to The Home Depot! Log on to Your Benefits Resources fromlivetheorangelife.com—and click on the Associate Discounts tab.

1 You can enroll at any time. Before-tax and/or Roth after-tax contributions will begin after you complete 90 days of service. 2 If you have at least one year of service and 1,000 hours in one year. Visit livetheorangelife.com (Financial Wellness > Save)for eligibility requirements.


REQUIRED LEGAL NOTICE

Affordable Care Act Required Government Legal Notice

Notice About New Health Insurance Marketplace Coverage Options (In addition to coverage that may be available to you through The Home Depot)

Why am I receiving this Notice?Key parts of the new health care law take effect in January 2014. One of these key parts is the availability of the

Health Insurance Marketplace (the “Marketplace”), which will provide you a new way to buy health insurance

separate from coverage options that may be available to you through The Home Depot. The purpose of this

notice is to provide you some basic information regarding the Marketplace. Detailed information regarding

the Marketplace is available at HealthCare.gov.

What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance that may meet your needs in addition to coverage

that may be available through The Home Depot. The Marketplace is designed to offer “one-stop-shopping” to

find and compare private health insurance options. Open enrollment for health insurance coverage through the

Marketplace begins in October 2013 for coverage starting as early as January 1, 2014. The Marketplace is

separate from the options available through The Home Depot.

The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through

the Marketplace and its cost. Visit HealthCare.gov for more information, including an online application for

coverage and contact information for a Marketplace in your area.

Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium, but only if The Home Depot does not offercoverage, or offers coverage that doesn’t meet certain standards. The savings on your premium that you’re eligible for depends on your household income.

Does Employer Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from The Home Depot that meets certain standards, you will not beeligible for a tax credit through the Marketplace and may wish to enroll in coverage through The Home Depot.However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if The Home Depot does not offer coverage to you at all or does not offer coverage that meets certainstandards. If the cost of a plan from The Home Depot that would cover you (and not any other members of your family) is more than 9.5% of your household income (as defined by the IRS) for the year, or if the coverageThe Home Depot provides does not meet the “minimum value” standard set by the Affordable Care Act, youmay be eligible for a tax credit.

Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you will lose the employer contribution to the employer-offered coverage. Also, this employer contribution—as well as your employee contribution to employer-offered coverage —is often excludedfrom income for Federal and State income tax purposes. Your payments for coverage through the Marketplaceare made on an after-tax basis.


REQUIRED LEGAL NOTICE

Information about health coverage available through The Home Depot If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application. You can also access a completed Employer Coverage Tool Form at livetheorangelife.com/ECT.

* If you are unsure which Home Depot company you work for, please refer to your pay check or contact the HR Service Center at 1-866-698-4347.

5. Employer address: The Home Depot, 2455 Paces Ferry Road

6. Employer phone number: 1-866-698-4347

7. City: Atlanta

8. State: Georgia

9. ZIP code: 30339

10. Who can we contact about employee health coverage at this job? The Benefits Choice Center

11. Phone number: 1-800-555-4954. Please note you may experience wait times.

12. Email address: n/a

Here is some basic information about health coverage offered through The Home Depot:

• As your employer, we offer a health plan to full-time hourly and salaried associates in the continental U.S. after a 90-day waiting period, with a few exceptions. For additional details on eligibility, refer to thecurrent Benefits Summary at livetheorangelife.com (or call 1-800-555-4954 for a printed copy).

• Coverage is available to certain dependents of full-time hourly and salaried associates who are eligiblefor a full-time Home Depot medical plan. For additional details on eligibility, refer to the Benefits Summary at livetheorangelife.com (or call 1-800-555-4954 for a printed copy).

14. This Home Depot coverage meets the minimum value standard, and the cost of this coverage is intended tobe affordable, based on employee wages.

** Even if your employer intends your coverage to be affordable, you may still be eligible for a premium discount through theMarketplace. The Marketplace will use your household income (as defined by the IRS), along with other factors, to deter-mine whether you may be eligible for a premium discount.

How can I get more information about the coverage available through The Home Depot? You can visit livetheorangelife.com or call the Benefits Choice Center at 1-800-555-4954.

3. EMPLOYER NAME (HOME DEPOT COMPANY DESCRIPTION) 4. EMPLOYER IDENTIFICATION NUMBER (EIN)

HOME DEPOT U.S.A., INC. 58-1853319

HOME DEPOT STORE SUPPORT, LLC 45-2711871

HOME DEPOT SERVICES, LLC 04-3720503

HOME DEPOT INCENTIVES, INC. 58-2654433

RED BEACON, INC. 26-3640323

THD AT-HOME SERVICES, INC. (INCLUDES RESTORATION SERVICES, INSTALLED PRODUCTS USA, RMA HOME SERVICES, MEASUREMENT SERVICES)

75-2698460

U.S. REMODELERS, INC. 75-2686765

The Benefits DepartmentThe Home Depot2455 Paces Ferry Road, C-18Atlanta, GA 30339

IMPORTANT!

Information about

your 2014

benefits inside!

2014 CA FTS

This guide is for full-time associates living in California. Guides for U.S., SmartCare eligible areas, U.S. Virgin Islands, Guam,Puerto Rico and Hawaii are available on livetheorangelife.com.

benefits annual enrollment guide - home depot live the orange life

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