Please note that Caterpillar policy does not allow
for All Employee Meetings or other meetings
to be recorded with smart phones or other devices unless
specific approvals have been sought
and granted prior to the beginning of the meeting.
In the event that the content of this presentation or any representations made by any person regarding the
plans conflict with or are inconsistent with the provisions of the plan documents, the provisions of the plan
documents are controlling. To the fullest extent permitted by law, Caterpillar Inc. reserves the right to amend,
modify, suspend, replace or terminate any of its plans, policies or programs, in whole or in part, at any time
and for any reason, by appropriate company action.
2015 Total Rewards Update/Health & Welfare Benefits Enrollment
CATERPILLAR: NON-CONFIDENTIAL
Active Employees
Agenda
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2015 Healthcare annual enrollment (November 17-28)
Healthcare coverage overview
2015 Healthcare premiums
Flexible Spending Accounts
Tools & resources for enrollment
Review Other Total Rewards Benefits
2015 Healthcare Annual Enrollment
CATERPILLAR: NON-CONFIDENTIAL
2015 Healthcare Annual Enrollment
 Caterpillar Benefits Center at Aon Hewitt will conduct the 2015
healthcare annual enrollment November 17 – 28
 Employees will receive a postcard mailed to their home as a reminder of
the enrollment window
 Two ways to enroll:
– Online
• Single sign on link available through Cat @work > Compensation &
Benefits tab > Annual Enrollment Center
• Link directly to Your Benefits Resources™
– By phone Caterpillar Benefits Center 1-877-228-4010
2015 Healthcare Coverage Overview
CATERPILLAR: NON-CONFIDENTIAL
Healthcare Options - UnitedHealthcare
No
Changes
Prescription Drug Coverage - OptumRx
No
Changes
** The prescription drug benefit for Options B and C requires a separate annual deductible, $50 per person
for retail prescriptions only; there is no additional deductible required for mail-order drugs.
*** Mail order is mandatory for all maintenance drugs.
Vision Coverage - UnitedHealthcare
No
Changes
 Bundled with medical plan option
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$150 lump-sum vision benefits
The benefit is available on a rolling 24-month cycle
Can be used for routine vision services and supplies
Benefit maximum applies to age 18 and older
Frames are excluded from coverage
Consider using a Flexible Spending Account (FSA)
for additional out-of-pocket vision expenses
No
Changes
2015 Dental Coverage - Cigna
 $50/$100 annual deductible (except for preventive care)
 $1,500 annual max benefit per covered person 18 and over
 $1,500 orthodontia lifetime max (age 21 and under)
 Preventive focused
– Preventive (no deductible)
– Basic Dental
– Major Restorative
– Prosthodontic
100%
85%
75%
50%
Healthcare Premiums
Spousal/Partner surcharge will remain $145
* Premiums are shown as a monthly amount and reflect completion of the health risk assessment with ActiveHealth.
Spousal Surcharge
Applies
 If your spouse/partner has access to group insurance
coverage, declines and is enrolled in a Caterpillar option
Does not apply
 Your spouse/partner isn’t employed
 Your spouse/partner is not enrolled in a Caterpillar
healthcare option
 Your spouse/partner is employed but doesn’t have
access to group insurance coverage
 Your spouse/partner enrolls in other group insurance
coverage and also enrolls in a Caterpillar option
Flexible Spending Accounts
CATERPILLAR: NON-CONFIDENTIAL
Flexible Spending Account (FSA)

A benefit that allows you to set aside money on a pre-tax basis for eligible
healthcare or dependent daycare expenses

Contributions are set aside via payroll deduction

Reduces your taxes while paying for services you would have to pay for anyway

To take advantage of the pre-tax savings you are required to enroll each year

Two types:
• Healthcare spending account
• Dependent care spending account

Eligible expenses must be filed by March 31 of the next plan year
Flexible Spending Accounts – Two Types
Healthcare spending account
 Used for medical, dental, prescription drugs, vision and hearing
expenses not covered by health plans for you, your spouse/partner and
your dependents
 Examples: Deductibles, co-insurance, prescription drug co-pays, vision
expenses and other out-of-pocket costs
Dependent care spending account
 A separate account for dependent daycare expenses while both
parents are working, looking for work or are in school full-time
 Examples: Common dependent care expenses (Licensed nursery schools,
Adult daycare facilities, after-school programs)
 You cannot use this account for dependent healthcare costs
Flexible Spending Account (FSA)
 Healthcare spending account
Annual Contribution Limits — $75 - $2,500 per employee

Dependent care spending account
Annual Contribution Limits — $75 - $5,000 annually per household
 Administered by UnitedHealthcare
 Automatic claim reimbursement, unless you opt out
– Enrolled in UnitedHealthcare option
– OptumRx prescription drug
– Cigna dental
Healthcare Flexible Spending Account Carryover
 The Internal Revenue Service (IRS) has modified the “use-or-lose”
rule for healthcare Flexible Spending Accounts (FSA)
 The plan now allows up to $500 of unused healthcare FSA funds
remaining at the end of a plan year to be carried over into the next
plan year
 Employees may contribute the maximum allowable $2,500 to a
healthcare FSA for the 2015 plan year and also carryover up to
$500 from their 2014 healthcare FSA
 The healthcare FSA carryover will apply to future plan years as
well. For example, up to $500 of unused healthcare FSA funds for
the 2015 plan year may be carried over to the 2016 plan year.
You must enroll in the healthcare FSA for 2015 to use any carryover money from 2014
Take Action and Review Your Choices
 Review materials and resources
‒ Postcard mailed to your home
‒ Annual Enrollment Center on Cat @work and Your Benefits Resources
Web site
 Make sure you have the following information when you go to enroll:
‒ Your user ID and password
‒ Names, birth dates and Social Security Numbers of the eligible
dependents whom you wish to enroll
 Social Security Numbers required for dependents age six months or older
 Select the healthcare benefit option best for you – make changes if
necessary
 Add eligible dependent(s) to your account and then enroll them in coverage
 If enrolling a spouse/partner make your spousal surcharge election
 Choose to participate in a Flexible Spending Account
What To Expect If Don’t Take Action
 You will remain in the same healthcare plan option as 2014
 You will not be enrolled in a Flexible Spending Account
 Dependents age six months or older will be removed from coverage if
Social Security Number is not provided
 Next opportunity to make changes will be the next annual enrollment,
unless you experience a qualified change in status
Qualified Change in Status
 If you experience a qualified status change such as marriage
or the birth/adoption of a child, you must contact the
Caterpillar Benefits Center within 31 days of the qualified
status change to make the necessary updates to your
benefits
 If changes are not made within 31 days, the next opportunity
will be the next annual enrollment period
 Certain qualified status changes may also allow you to make
changes to your current enrollment status, including your
Flexible Spending Account enrollment elections, but changes
must be made within 31 days
Tools & Resources For Enrollment
CATERPILLAR: NON-CONFIDENTIAL
Caterpillar Benefits Center – Aon Hewitt
 Health & Welfare
 Benefits eligibility
 Qualified status changes
 Dependent coverage
(add/drop)
 FSA enrollment
Phone Number: 1-877-228-4010
Mon-Fri 8:00 a.m. - 6:00 p.m.
(Central time)
Cat @work > Compensation &
Benefits > Caterpillar Benefits
Center at Aon Hewitt
 Pension
 Investments
 Retirement
 Retiree address changes
 Summary Plan Description
OR
CatHealthBenefits.com > Aon
Hewitt (Pension & Retirement,
Eligibility & Enrollment)
How to Compare Healthcare Options
(Available November 17)
Review the plan comparison chart on Your Benefits Resources™ >
Health and Insurance tab > Enroll in your benefits
Click on Compare Plan details
How to Compare Healthcare Options
How to Compare Healthcare Options
Other Benefits
CATERPILLAR: NON-CONFIDENTIAL
ActiveHealth - Health Risk Assessment
The myactivehealth.com/caterpillar website provides participants with
personalized health information to help identify potential health risks
and offers resources to improve health, such as:

Health Risk Assessments with immediate, targeted feedback
•
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You and spouse/partner complete annually in the first and third quarter
Informed Care Management to assist individuals with chronic health
conditions
Active Lifestyle Coaching to help you reach your health goals
Tobacco cessation
Fitness, nutrition and weight management resources
Drug interaction and symptom checkers
Resource Center with tools, trackers, videos and health in the news
Learn more about Caterpillar’s Health and Wellness Programs at
CatHealthBenefits.com, myActiveHealth.com/caterpillar or by calling 1-888-227-6539
Employee Assistance Program (EAP)
 Administered by Chestnut Global Partners (CGP)
 Full-time employees and eligible dependents enrolled in
healthcare coverage are also eligible for EAP at no cost
 Offers confidential assessment, counseling, and referrals
to assist in resolving personal and work-related problems
 Services are available through a network of EAP
professionals near employees’ home and work.
 Services are voluntary, confidential and free to employees
and dependents
 24 hour assistance, call toll free: 1-866-CAT-0565
Employee Assistance Program (EAP)
EAP provides help in the following areas:
–
–
–
–
–
–
–
–
–
–
Depression and anxiety
Marital or relationship difficulties
Help finding child and elder care
Child and adolescent issues
Work-related / performance issues
Grief and loss
Stress management
Financial issues
Legal problems
Drug, alcohol and other addictions
Other Benefits
Adoption Assistance Benefit
 A maximum adoption benefit of $5,000 per eligible child for qualified
adoption expenses
 Must submit claim within 90 days after the date adoption is finalized
 Qualified adoption expenses based on IRS definition
Your Choice Voluntary Benefits and Discounts through Marsh
 Employee discounts
 Auto, Home, Identity Theft, Long Term care, Pet insurance and
Group Legal Service Plan
 www.YourChoiceVoluntaryBenefitsandDiscounts.com
Health Promotion Exams
 To help you manage your health, Caterpillar facilities offer a
confidential health promotion exam benefit, based on your
age 25, 28, 31, 34, 37, 40, 43, 46, 49 and each year after 49 until
retirement
 The exam provides evidence-based preventive services and
testing either in local Health Service Units or at designated local
medical providers
 Participation in the program is voluntary. If you have any questions,
contact local HR or Caterpillar Medical at 877-838-0596
Life Insurance
Basic Life
AD&D
Optional life
No
Change
Company paid
$50,000
Tobacco users pay a portion of the premium
Company paid
$50,000
$50,000 or $100,000
Non-tobacco and tobacco rates apply
New elections will require Evidence of Insurability (EOI)
Spousal life
$15,000
(up to age 70)
Dependent life
$5,000
Life Insurance
 Review your life insurance rates, coverage and
beneficiary by visiting www.metlife.com/mybenefits or
by calling 1-888-228-1811
 If you have optional term life insurance, you also have
access to free Will and Estate Resolution Services
401(k)
CATERPILLAR: NON-CONFIDENTIAL
Deferral Limits – Employee Contributions
Roth and pre-tax 401(k) accounts
 Defer up to 70% of eligible compensation
 Defer on a pre-tax or Roth (after-tax) basis or both
 Annual combined contribution limit of $18,000 for both
– 2015 IRS annual contribution limits:
• $18,000 if under age 50
• $6,000 additional catch-up contribution if age 50 or over
What’s The Difference?
Pre-Tax 401(k) Contributions
Roth 401(k) Contributions
 You get a tax savings now
because your taxable income
is reduced by the amount of
your contributions in the year
you make them
 Contributions and earnings will
be taxed when you withdraw
them in retirement, at the tax
bracket you're in at that time
 Your contributions don't reduce
taxable income now because
they're made on an after-tax
basis
 Contributions and earnings can
be withdrawn tax-free in
retirement, provided that you're
age 59-1/2 or older and your
Roth 401(k) account is at least
5 years old
Company Match Contributions
 Caterpillar provides dollar for dollar (100%) match of
your employee contributions up to a maximum of 6% of
pay
 Matching contributions are contributed to the plan at the
close of each payroll period
 100% vested in matching contributions
– Example: Pre-tax base 4% and Roth base 4%, your
contributions total 8%, company will match 6%.
New 401(k) Investment Options
December 15, 2014

401(k) becoming primary retirement vehicle, and plan
participants want help

Recent industry reviews and benchmarking have led to
changes to the fund options

New investment options offer opportunity to simplify
investment decisions and provide quality investment
options that meet participants’ needs
New 401(k) Investment Options
 New custom line-up of investment funds
 Current Model Portfolios and other core investment funds
will be replaced with:
• Target Retirement Funds, and
• Menu of 11 core investment funds
 Caterpillar Stock Fund
 Self-Directed Brokerage Account
New 401(k) Investment Options
November 24 –
December 5, 2014
 Do-It-For-Me:
• Target Retirement Funds are a diversified,
professionally managed, automatic investment option
intended for all of your retirement plan assets
• Each fund automatically changes to become more
conservative as you approach your target retirement
date
 Do-It-Yourself:
• Menu of 11 core investment funds
• Select your own mix of funds
Your Total Rewards “To Do” List for Fall
2015 Healthcare Benefits
Enrollment
New 401(k) Investment Options
Re-election
When? Nov. 17 - 28
Where? resources.hewitt.com/cat
When? Nov. 24 – Dec. 5
Where? resources.hewitt.com/cat
 Learn more about the options available to you by
reviewing materials and resources:
‒ Postcard mailed to your home
‒ Cat @work and Your Benefits Resources
 Review plan comparisons online during
enrollment window
 Review dependent coverage (add/remove)
 Review spousal/partner surcharge
 Enroll in healthcare benefit option best for you
 Enroll in Flexible Spending Accounts
 Your elections will be effective January 1, 2015
 Review 401(k) Investment Changes and
Re-election Instructions brochure
 Go online to learn more about the new
investment options, including the Target
Retirement Funds (website and video describe in
more detail)
 Understand what will happen to your current
balances and future contributions if you take no
action and default to a Target Retirement Fund
 May choose new investment funds during the
re-election window
 December 15, 2014, current balance and future
contributions invested in new investment choices
 You may change your investment elections any
time after December 16, 2014
Thank you for participating!
Questions