“I LIVE the Orange LIFE!”
That’s the power of your Home Depot benefits.
Annual
Enrollment
Guide
for USVI
Full-Time
Hourly
& Salaried
Associates
20102010
Annual
Enrollment
Guide
for U.S.
Virglands
Full-Time
Hourly
& Salaried
Associates
Carlene Noto
Store 405
Glendale, AZ
Benefits Annual Enrollment Toolkit
Full-Time Hourly and Salaried Associates
What’s inside
What’s New for 2010! for Full-Time
Hourly and Salaried Associates
1
Health Care and Dependent
Day Care Spending Accounts
FutureBuilder
21
13
The Employee Stock Purchase Plan 21
What’s New for 2010! Medical Coverage
1
Life Insurance and Accidental Death &
Dismemberment Coverage
15
How to Enroll
22
Medical Coverage for 2010
2
Disability Coverage
17
2010 Payroll Deductions
25
Dental Coverage for 2010
5
MetLaw Legal Services
and Long-Term Care Insurance
20
Benefits Contact List
26
Vision Coverage for 2010
9
Get the Power of Your Home Depot Benefits In 2010!
Health Care Plans
Financial Protection Plans
Home Life Benefits
• Medical
• Disability Insurance
• Paid Time Off
• Dental
• Life Insurance
• Dependent Day Care Spending Account
• Vision
• Accidental Death and Dismemberment Insurance
• Tuition Reimbursement
• Health Care Spending Account
• Long-Term Care Insurance
• Adoption Assistance
• MetLaw Legal Plan
• CARE/Solutions for Life
Financial Benefits
• Associate Discounts
• FutureBuilder 401(k)
• Matching Gift Program
• Employee Stock Purchase Plan (ESPP)
• Quit for Life® Tobacco Cessation Program
• Success Sharing
When You Enroll –2November
through
November 13!or call 1-800-555-4954
To enroll, 3
go to
http://resources.hewitt.com/homedepot
2010 Benefits Annual Enrollment
USVI Full-Time Hourly and Salaried Associates
What’s New for 2010! for Full-Time Hourly and Salaried Associates
Medical
Voluntary Life Insurance
Salaried Disability
• Medical plan changes
• New lower payroll deductions for some
Voluntary Life Insurance options
• New long-term disability benefit choice – you
choose whether to receive LTD benefits as a
tax-free or taxable benefit
• New 2010 payroll deductions (See page 25)
• New payroll deductions will be listed on the
Your Benefits Resources Web site when you
enroll.
Dental
• New 2010 payroll deductions (See page 25)
MetLaw
• New services available, including legal help
with property tax assessments, title disputes,
zoning applications and domestic violence
• New online beneficiary designation
Spending Accounts
• The new spending account administrator
in 2010 will be Your Spending Account™
Full-time Hourly Disability
• New Health Care Spending Account
Debit Card
• New payroll deductions will be listed on the
Your Benefits Resources Web site when you
enroll.
• New payroll deduction for MetLaw ($8.65
biweekly)
• New lower payroll deductions.
What’s New for 2010! Medical Coverage
Beginning January 1, 2010, there will be no limits to
the number of outpatient visits or the number of inpatient days covered for substance abuse services.
Medical Plan Changes
Substance Abuse: Outpatient coverage
Substance Abuse: Inpatient coverage
2010 Benefits Annual Enrollment
In-Network—
St. Thomas
In-Network—
United States
Out-of-Network—
St. Thomas
Out-of-Network—
United States
$15 copay
80% after plan deductible
80% after plan deductible
80% after plan deductible
$50 copay per admission
80% after plan deductible
80% after plan deductible
80% after plan deductible
1
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
Medical Coverage for 2010
Medical Enrollment Must-Knows
If you don’t go to the Your Benefits Resources
Web site and make changes, you’ll automatically
receive the same medical, dental and vision coverage you have now (2009) for 2010. If you want to
make changes to your medical, dental or 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 a
spending account in 2010, you must go to the
Your Benefits Resources Web site and enroll
in them by November 13.
Your Medical Option for 2010
The Triple-S Medical Plan
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.
• Use Blue Cross Blue Shield network providers
and pay less.
• Benefits are payable for care received in the U.S.
2010 Triple-S Medical Plan Coverage
In-Network:
Virgin Islands
In-Network:
United States¹
Out-of-Network:
Virgin Islands²
Out-of-Network:
United States³
Annual Deductible
(individual/family)
$0
$50/$150
$50/$150
$50/$150
Out-of-Pocket Maximum
(individual/family)
$0
$1,500/$3,000
$1,500/$3,000
$1,500/$3,000
Lifetime Maximum Benefit
$1,000,000
$1,000,000
$1,000,000
$1,000,000
Primary/Specialist Office Visit
$15 copay
You pay 20%
after deductible
You pay 20%*
You pay 20%
after deductible
Preventive care visit
$15 copay
You pay 20%
after deductible
You pay 50%*
You pay 20%
after deductible
1 In-Network - U.S.: Services are paid based on BCBS discounted fees; the provider will bill Triple-S directly through the local BCBS plan.
2 Out-of-Network - Puerto Rico: Services are reimbursed based on Triple-S fees, associate is responsible for any difference between reasonable and customary charges and billed charges.
3 Out-of-Network - U.S.V.I.: Services are reimbursed based on reasonable and customary charges of the area where services are rendered, associate is responsible for any difference between
reasonable and customary charges and billed charges.
2010 Benefits Annual Enrollment
2
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
2010 Triple-S Medical Plan Coverage
Emergency room
(not followed up by admission)
Hospital copay
Inpatient care
Retail Generic Drug
In-Network:
Virgin Islands
In-Network:
United States¹
Out-of-Network:
Virgin Islands²
Out-of-Network:
United States³
$50 copay for illness/
$0 copay for accident
You pay 20%
after deductible
You pay 20%
after deductible
You pay 20%
after deductible
$50
Not applicable
Not applicable
Not applicable
You pay nothing
You pay 20%
after deductible
You pay 20%
after deductible
You pay 20%
after deductible
$5 copay
$5 copay
Reimbursed at 75% of the Triple-S established fee²
minus the applicable $5, $10 or $15 copayment.
The established fee is based on the Average Wholesale
Price of the drug less the discount negotiated by
Triple-S with the pharmacies.
Retail Brand Drug
$10 copay
$10 copay
Retail Non-Preferred and New Drugs
(a drug that has been on the market for
less than one year)
$15 copay
$15 copay
Mail Order Generic Drug
(90-day supply)
$10 copay
$10 copay
Not applicable
Mail Order Brand Drug (90-day supply)
$20 copay
$20 copay
Not applicable
Mail Order Non-Preferred and New
Drugs (90-day supply)
$30 copay
$30 copay
Not applicable
1 In-Network - U.S.: Services are paid based on BCBS discounted fees; the provider will bill Triple-S directly through the local BCBS plan.
2 Out-of-Network - Puerto Rico: Services are reimbursed based on Triple-S fees, associate is responsible for any difference between reasonable and customary charges and billed charges.
3 Out-of-Network - U.S.V.I.: Services are reimbursed based on reasonable and customary charges of the area where services are rendered, associate is responsible between any difference for reasonable and
customary charges and billed charges.
Need more detail? See the Medical Plan chapter of the Benefits Summary.
2010 Benefits Annual Enrollment
3
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
Get the Full Power of
Your Triple-S Medical Plan
• Get a Blue Cross Blue Shield network provider
and save money! Your Triple-S medical plan
uses the Blue Cross Blue Shield network. You’ll
pay less for care you receive from a Blue Cross
Blue Shield network provider. You’ll receive a list
of Blue Cross Blue Shield network providers in
the U.S. Virgin Islands at your store. Or, call
Triple-S at 1-800-981-3241.
• Coverage for care in the United States. Benefits
are payable for care received in the United
States. You will receive in-network benefits if you
receive care in the U.S. from a provider in the
Blue Cross Blue Shield network. To find a Blue
Cross Blue Shield network provider in the United
States, go to www.bcbs.com and enter the code
ZUA in the ID prefix field. Benefits for care
received from a non-network provider will be paid
at the out-of-network level.
• Get generic prescription drugs! Generic drugs
will save you money! 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.
2010 Benefits Annual Enrollment
• Get free medical advice 24/7! A call to a registered nurse at Teleconsulta can help you decide
whether you need to go to the emergency room.
The nurses at Teleconsulta can also answer any
health question you or your family members might
have. You will find the toll-free phone number for
Teleconsulta on the back of your Triple-S ID card.
Use the Power of ALL of
These 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 associates, this savings is at least 22%.
• 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 immediate 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.
4
• 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 medical 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!
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Dental Coverage for 2010
• New 2010 payroll deductions (See page 25)
To verify that you and your dependents are eligible
for coverage in 2010, see the Eligibility and
Enrollment chapter of the Benefits Summary.
Dental Enrollment Must-Knows
Special Rules for Orthodontia Benefits
Dental
If 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 coverage, you must go to the Your Benefits Resources
Web site and make your changes by November 13.
Your 2010 Dental Plan Options
Please note that the lifetime maximum orthodontia
benefit that will apply is based on the option in which
the covered dependent is enrolled when orthodontia
services began. The maximum orthodontia benefit
will not change throughout that dependent’s orthodontia treatment regardless of the option chosen in
subsequent years.
• MetLife $500 Max
For example, if you are enrolled in the $500 Max
option when orthodontia treatment begins, no orthodontia benefits are paid for any orthodontia treatment even if a benefit plan is chosen in subsequent
years that covers orthodontia treatment. If you are
enrolled in the $1,000 Max option when the orthodontia treatment begins, the $750 lifetime maximum
benefit will apply throughout the orthodontia treatment regardless of whether you enroll in the $2,000
Max option or $500 Max option in subsequent years.
It’s important to review the orthodontia benefit rules
in the Dental chapter of the Benefits Summary
before you choose a dental option.
• MetLife $1,000 Max
• MetLife $2,000 Max
Dental Plan Coverage
MetLife $500 Max
MetLife $1,000 Max
MetLife $2,000 Max
MetLife network and
non-network dentists
MetLife network and
non-network dentists
MetLife network and
non-network dentists
$25/$75
$50/$150
$50/$150
$500
$1,000
$2,000
Preventive and Diagnostic Care (deductible
does not apply)
Covered at 100%*
Covered at 100%*
Covered at 100%*
Basic Restorative Care (fillings, root canals)
You pay 30%*
You pay 25%*
You pay 20%*
Major Restorative Care
(bridges, dentures, crowns)
No coverage
You pay 60%*
You pay 50%*
Orthodontia
No coverage
50%* up to $750 lifetime maximum
per covered dependent child
50%* up to $1,500 lifetime maximum per covered dependent child
Annual Deductible
(individual/family per calendar year)
Annual Maximum Benefit
(per covered individual per calendar year)
*Plan pays the percentage of the PDP (Preferred Dentist Program) charge if you use a MetLife dentist or the reasonable and customary charge if you use a non-MetLife dentist.
2010 Benefits Annual Enrollment
5
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
Will I Get a New MetLife ID Card?
You’ll receive a new MetLife Dental ID card if you
are enrolling in MetLife dental coverage for the first
time. If you have dental coverage in 2009 and are
enrolling for coverage in 2010, you will not receive
a new ID card. If you need a new ID card, go to
www.mybenefits.metlife.com.
Need to Know
Your Current Coverage?
Find your current coverage information by going to
the Your Benefits Resource Web site, click Health,
Insurance…> click Health> click the coverage you’re
looking for under Your Current Coverage on the left
side of the page.
Get the Full Power
of Your MetLife Dental Plan!
• Get a MetLife PDP Network dentist and pay
less for dental services. You can use any dentist; however, you will pay less if you use a MetLife
network dentist because PDP network negotiated
fees typically range from 10% to 35% less than
average fees for the same or similar services
charged by dentists in your area. To find a
MetLife network dentist near you, go to
www.livetheorangelife.com.
• Get free dental preventive care! Two dental
cleanings and checkups each calendar year are
free if you use a dentist in the MetLife PDP
(Preferred Dentist Program) network—you don’t
have to meet the deductible for covered preventive care benefits to begin. Preventive care is subject to your option’s maximum annual benefit.
• Get discounts on cosmetic dentistry and other
uncovered dental services. You’ll receive the
MetLife PDP dentist negotiated rate on cosmetic
procedures and other services not covered by the
dental options when you use a PDP dentist. You
also will continue to receive the negotiated rate after
you have reached your annual maximum benefit.
• Get a tax break! Pay for eligible dental care services
that are not paid for by the dental plan with tax-free
dollars through the Health Care Spending Account
and save money—for many associates, this savings
is at least 22%.
Choose the Right
Dental Plan for Your Situation
How will you use the dental plan in 2010? Read
each situation like yours and look at the Quick
Comparison of Dental Plan Costs to determine
which plan will meet your needs next year.
Quick Comparison—the Dental Options
MetLife $500 Max
MetLife $1,000 Max
MetLife $2,000 Max
100%*
100%*
100%*
Yes, you pay 30%*
Yes, you pay 25%*
Yes, you pay 20%*
Covers Major Care (crowns, bridges)
No
Yes, you pay 60%*
Yes, you pay 50%*
Covers Orthodontia (braces)
No
Yes, you pay 50%*
Yes, you pay 50%*
$5.25
$10.95
$13.58
Covers Preventive Care
Covers Restorative Care
(fillings, oral surgery, root canals, periodontics)
Per-biweekly Paycheck Payroll Deduction—
Associate-only Coverage
* You pay this percentage of the PDP (Preferred Dentist Program) charge if you use a MetLife dentist or the reasonable and customary charge if you use a non-MetLife dentist.
2010 Benefits Annual Enrollment
6
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
“My dental expenses in 2009 exceeded my
option’s annual maximum benefit.”
It’s a good idea to talk with your dentist about your
potential dental needs in 2010. If it looks like you
need a expensive dental work next year, consider
choosing an option with a higher annual maximum
benefit. For example, the difference between the
cost of associate-only coverage in the MetLife
$1,000 Max and the MetLife $2,000 Max options is
about $67 a year but you get an additional $1,000 in
benefits in the $2,000 Max option.
Quick Comparison—Dental Plan Costs
MetLife
MetLife
$1,000
$500 Max
Max
Annual Maximum
Benefit (per
covered individual)
Associate-only
Cost Per Year
MetLife
$2,000
Max
$500
$1,000
$2,000
$136.50
$285.70
$353.08
“I generally have only
dental checkups and an occasional cavity.”
If you generally need only basic dental services, why
pay for more comprehensive coverage? The MetLife
$500 Max option pays 100% of the cost of checkups
and also covers restorative dental services at 70%.
While it does not cover major services and orthodontia, it is the least expensive dental plan—only $5.25
per biweekly paycheck—half the cost of the MetLife
$1,000 Max option.
2010 Benefits Annual Enrollment
Teeth Cleaning—All Dental Options
Average
Cost
of a
Cleaning
You Pay
Plan Pays
$135
Nothing*
$135*
*As long as you have not met your plan limit of two cleanings per
year.
Filling—MetLife $500 Max
Cost of
You Pay ($25 deductible plus 30%
a Filling
of the cost)
MetLife
$25 deductible plus 30% of $45 ($70 PDP
$25 deductible) $25 + $13.50 = $38.50
Dentist: $70
Out-of$25 deductible plus 30% of $104
Network
($129 - $25 deductible = $104)*
Dentist:
$25 + $31.20 = $56.20
$129
*Allowable fees are based on the Reasonable & Customary
allowance— please see Benefits for Out-of-Network Services.
These examples assume associate-only coverage,
that no part of your deductible has been met and
that network providers and facilities are used. This is
a representative example only and may not reflect
how your particular claim will be processed.
“I have talked to my dentist about my dental
needs in 2010 and I will have to have a crown.
My spouse also generally needs a root canal or
other dental work every year.”
Both the MetLife $1,000 Max and MetLife $2,000
Max options cover major services. However, the
MetLife $2,000 Max option has higher coverage for
most services and a higher payroll deduction—it
costs $27.16 for associate + spouse per biweekly
paycheck—while the MetLife $1,000 Max has lower
coverage and a lower cost--$21.90 for associate +
spouse per biweekly paycheck. The option you
choose depends on the cost of the dental services
needed and the amount you want to pay for dental
coverage. Consider participating in the Health Care
Spending Account and using tax-free dollars to pay
for your portion of your dental expenses. Also consider using a MetLife participating dentist and pay a
discounted cost for services.
Root Canal—MetLife $1,000 Max
Cost of a
Root Canal
You Pay ($50 deductible
plus 25% of the cost)
MetLife PDP
Dentist: $700
$50 deductible plus 25% of $650
($700 - $50 deductible) $50 +
$162.50 = $212.50
Out-ofNetwork
Dentist:
$1,145
$50 deductible plus 25% of $1,095
($1145 - $50 deductible = $1,095)*
$50 + $273.75 = $323.75
*Allowable fees are based on the Reasonable & Customary
allowance— please see Benefits for Out-of-Network Services.
7
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
Live the Orange Life: Guide to Your Benefits
Crown—MetLife $2,000 Max
Cost of a
Crown
You Pay ($50 deductible
plus 50% of the cost)
$50 deductible plus 50% of $700
MetLife PDP
($750 - $50 deductible) $50 + $350
Dentist: $750
= $400
Out-ofNetwork
Dentist:
$1,127
$50 deductible plus 50% of $1,077
($1,127 - $50 deductible = $1,077)*
$50 + $538.50 = $588.50
*Allowable fees are based on the Reasonable & Customary
allowance— please see Benefits for Out-of-Network Services.
2010 Benefits Annual Enrollment
USVI Full-Time Hourly and Salaried Associates
These examples assume associate-only coverage,
that no part of your deductible has been met and
that network providers and facilities are used. This is
a representative example only and may not reflect
how your particular claim will be processed.
Note that the lifetime maximum orthodontia benefit
that will apply is based on the option in which the
covered dependent is enrolled when orthodontia
services began. It’s important to review the orthodontia benefit rules before you choose a dental option.
“My child will be getting braces in 2010.”
Both the MetLife $1,000 Max and MetLife $2,000
Max options cover orthodontia—the MetLife $2,000
Max option provides the highest maximum orthodontia benefit of $1,500. The MetLife $1,000 Max option
pays up to $750 for orthodontia, but has a lower
pricetag than the MetLife $2,000 Max option.
The Health Care Spending Account is a great way to
help you pay for uncovered orthodontia expenses
because you know exactly how much you will spend
each year on orthodontia each year. Why not use
tax-free dollars to pay for this predictable expense?
8
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Vision Coverage for 2010
What’s New for 2010
There are no changes to the Vision Plan or your vision
plan payroll deduction.
Vision Enrollment Must-Knows
If you don’t go to the Your Benefits Resources Web
site and make changes, you’ll automatically receive
the same vision coverage you have now (2009) for
2010. If you want to make changes to your vision coverage, you must go to the Your Benefits Resources
Web site and make your changes by November 13.
Your 2010 Vision Plan Options
• EyeMed Select $120
• EyeMed Select $150
You’ll find a summary of the 2010 Vision Plan
Coverage on the following page. To verify that you
and your dependents are eligible for coverage in
2010, see the Eligibility and Enrollment chapter of
the Benefits Summary.
Get the Full Power of
Your EyeMed Vision Plan!
• Get an EyeMed Select network provider and
pay less for eyeglasses and contact lenses!
For a list of EyeMed Select network providers, go
to www.livetheorangelife.com.
• Get free eye exams! Eye exams are free when
you use EyeMed Select network providers. Eye
exams are important for all ages because this
exam not only detects vision correction needs but
also can reveal the signs of other health conditions, including diabetes and high blood pressure.
• Get discounts on laser vision correction.
EyeMed offers vision plan participants a laser
vision correction discount of 5% off any promotional price or 15% off the retail price for treatments
performed through the U.S. Laser Network.
Will I Get a New EyeMed ID Card?
You’ll receive a new EyeMed Vision ID card if you
are enrolling in EyeMed vision coverage for the first
time or if you change your vision option for 2010.
If you are enrolling in the same coverage for 2010
that you have in 2009, you will not receive a new
ID card. If you need a new ID card, call EyeMed at
1-888-203-7447.
Need to Know
Your Current Coverage?
Find your current coverage information by going to
the Your Benefits Resources Web site, click
Health, Insurance…> click Health> click the coverage you’re looking for under Your Current Coverage
on the left side of the page.
• Get unlimited additional discounts on eyeglasses and contact lenses. Vision plan participants get a 40% discount off complete pairs of
eyeglasses and a 15% discount off conventional
contact lenses once your frame, lens and contact
lens benefits have been used.
• Get a tax break using a convenient debit card!
Pay for eligible vision care services that are not paid
for by the vision plan with tax-free dollars through the
Health Care Spending Account and save money—
for many associates, this savings is at least 22%.
2010 Benefits Annual Enrollment
9
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
The EyeMed Select Vision Options
EyeMed Select $120
EyeMed Select Providers:
You Pay
Exam (once every 12 months)
$0 copay
EyeMed Select $150
Non-EyeMed Select Providers:
Your Reimbursement After
You Submit Claim
EyeMed Select Providers: You
Pay
Non-EyeMed Select Providers:
Your Reimbursement After
You Submit Claim
Up to $40
$0 copay
Up to $40
Eyeglasses (frames and lenses)
Frames
Plan pays first $120 then you pay 80% Up to $45 —available once every 24 Plan pays first $150 then you pay 80%
months
of balance over $120—frame benefit
of balance over $150—frame benefit
available once every 24 months
available once every 12 months
Up to $53—available once every 12
months
Standard Plastic Lenses
Single vision
Up to $35
$15 copay
$0 copay
Up to $35
Bifocal
Up to $55
Up to $55
Trifocal
Up to $75
Up to $75
Up to $75
Up to $75
Up to $55
Up to $84
Up to $55
Up to $140
Lenticular
Standard progressive (once every 12 months)
$80
Premium progressive (once every 12 months)
fixed pricing list
Specialty Lens Options
UV Coating
$0
Up to $11
Tint (Solid and Gradient)
$0
Up to $11
Up to $11
Standard Scratch-Resistance
$0
Up to $11
Up to $11
$40 ($0 for dependents under age 19)
Up to $28
Up to $28
$45
N/A
Up to $32
Photochromatic
20% off
N/A
Up to $53
Transitions
20% off
N/A
Up to $53
Edge Coating
20% off
N/A
Up to $11
Standard Polycarbonate
Standard Anti-Reflective Coating
$0 copay for all, covered in full
Up to $11
Contact Lens Fit and Follow-up (once comprehensive eye exam has been completed)
Standard (examples include conventional,
disposable, frequent replacement)
Premium (examples include toric,
multifocal)
$0 fit and two follow-up visits
Up to $40
$0 fit and two follow-up visits
Up to $40
You get 10% off retail price, then you
pay balance over the plan’s $40
allowance
Up to $40
You get 10% off retail price, then you
pay balance over the plan’s $40
allowance
Up to $40
Contact Lenses (once every 12 months instead of eyeglasses)
Conventional
Plan pays first $120, then you pay
85% of balance over $120
Up to $96
Plan pays first $150, then you pay
85% of balance over $150
Up to $120
Disposable
Plan pays first $120, then you pay
balance over $120
Up to $96
Plan pays first $150, then you pay
balance over $150
Up to $120
$0 copay
Up to $200
$0 copay
Up to $210
Medically Necessary
2010 Benefits Annual Enrollment
10
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Quick Comparison—the Vision Options
EyeMed Select $120
EyeMed Select $150
Plan pays first $120, then you pay balance over $120
Plan pays first $150, then you pay balance over $150
Frames
Plan pays first $120 then you pay 80% of balance over
$120—frame benefit available once every 24 months
Plan pays first $150 then you pay 80% of balance over
$150—frame benefit available once every 12 months
Lenses
$15 copay
$0 copay
Some covered, others available at a discount
Covered in full
$2.08
$4.32
Disposable Contact Lenses
Lens Options Coverage
Per-biweekly Paycheck Payroll
Deduction—Associate-only Coverage
Choose the Right
Vision Plan for Your Situation
How will you use the vision plan in 2010? Read
each situation like yours and look at the Quick
Comparison of Vision Plan Costs to determine which
plan will meet your needs next year.
“I only use the vision plan for my annual
eye exam.”
An annual eye exam is important for your health,
even if you don’t have vision correction needs. Both
plans cover eye exams at 100% when you use an
EyeMed Select network provider. So if an eye exam
is your main use of the plan, consider the EyeMed
Select $120 option, which is less than half the cost
of the EyeMed Select $150 option.
“My spouse and I wear glasses and both of my
children wear contact lenses.”
When your eye care needs are high, consider the
EyeMed Select $150 plan which offers the highest
level of coverage. For example, under this option, you
pay no copay for eyeglass lenses and eyeglass lens
options are covered in full. The EyeMed Select $120
plan provides lower benefits but has a lower payroll
deduction. See below for an example of how the plan
pays benefits for eyeglasses and contact lenses.
“I get an eye exam every year, but I don’t get
new glasses every year.”
Both plans cover eye exams at 100% when you use
an EyeMed Select network provider. The EyeMed
Select $120 plan provides benefits for frames once
every 24 months has a lower payroll deduction. See
below for an example of how the plan pays benefits
for eyeglasses.
These examples assume associate-only coverage,
that no part of your deductible has been met and
that network providers and facilities are used. This is
a representative example only and may not reflect
how your particular claim will be processed.
Here is an example of how the plan pays benefits for
an eye exam.
Eye Exam—Both Options
Average Cost
of an Eye Exam
You Pay
$95
$0
2010 Benefits Annual Enrollment
11
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
Eyeglasses—Both Options
Average Cost of Eye Exam and Eyeglasses
EyeMed $120 Option
EyeMed $150 Option
Eye Exam: $95
You pay $0
You pay $0
Standard Progressive Lenses: $328 (with
Standard Anti-reflective Lens Option and Standard
Polycarbonate Lenses for an Adult Option)
Total Lens Cost: $180
Lenses: $15 copay; Standard Progressive lens: $80;
Anti-Reflective lens option: $45; Polycarbonate
lens option: $40
Total Lens Cost: $0
Lenses: $0; Standard Progressive lens: $0; AntiReflective lens option: $0; Polycarbonate lens option: $0
Frames: $180
Frames: $48
(Plan pays first $120 then you pay 80% of balance
over $120) $180-$120=$60; 80% of $60 = $48
Frames: $24
(Plan pays first $150 then you pay 80% of balance
over $150) $180-$150=$30; 80% of $30 = $24
$603
($95+$328+$180)
You pay $228
($0+$180+$48)
You pay $24
($0+$0+$24)
Contact Lenses—Both Options
Average Cost of Eye Exam, Contact Lens Fit and
Follow-up and Acuvue 2 Contact Lenses
EyeMed Select $120
EyeMed Select $150
Eye Exam: $95
You pay $0
You pay $0
Fit and Follow-up: $71
Fit and Follow-up: $0
Fit and Follow-up: $0
Premium Fit and Follow-up: $120
Premium Fit and Follow-up: $68
Premium Fit and Follow-up: $68
8 Boxes Acuvue 2 Contact Lenses: $160
(You get 10% off retail, then you pay the balance over
the plan’s $40 allowance)
(You get 10% off retail, then you pay the balance over
the plan’s $40 allowance)
10% of $120=$12; $120-$12=$108-$40=$68
10% of $120=$12; $120-$12=$108-$40=$68
Contact Lenses: $40
Contact Lenses: $10
(plan pays first $120, then you pay balance over $120) (plan pays first $150, then you pay balance over $150)
$446
($95+$71+$120+$160)
2010 Benefits Annual Enrollment
12
$160-$120=$40
$160-$150=$10
You pay $108
($68+$40)
You pay $78
($68+$10)
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Health Care and Dependent Day Care Spending Accounts
What’s New for 2010—
Spending Accounts
The 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 Account
New 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 expenses 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).
2010 Benefits Annual Enrollment
Your 2010 Spending Account Options
Health Care
Spending Account
How much you can
contribute in 2010:
$260 minimum up
to $5,000 maximum
For eligible
expenses you have:
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
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.
13
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.
Spending Account
Tax Savings
Your Spending
Account
Contribution
$260 a year/
$10 bi-weekly
$550 a year/
$21 bi-weekly
$750 a year/
$29 bi-weekly
$1,000 a year/
$38 bi-weekly
$1,650 a year/
$64 bi-weekly
$2,250 a year/
$87 bi-weekly
15% tax brack- 25% tax bracket + 7.65%
et + 7.65%
FICA tax + 4% FICA tax + 4%
state tax =
state tax =
26.65% savings 36.65% savings
$69
$95
$147
$202
$200
$275
$267
$367
$440
$605
$600
$825
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
2009 Tax Brackets
Single with
adjusted gross
income between:
Married Filing
Jointly with
adjusted gross
income between:
15% Tax
Bracket
in 2009
25% Tax
Bracket
in 2009
$8,350$33,950
$33,950$82,250
$16,700-
$67,900-
$67,900
$137,050
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 reimbursement for expenses incurred during those time periods and you will lose any money not used to pay
reimbursements for expenses.
2010 Benefits Annual Enrollment
How the Health Care
Account YSA Card Works
The 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 automatically 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 possible 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 medicines, 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 provide supporting documentation to validate your
expenses. Make sure that you save all of your itemized receipts (indicating the date of service, the
name of the service provider, the name of the person receiving service, the name of the product or
service, and any amount paid by other coverage).
14
• Use select merchants and avoid sending in
receipts! When you make eligible health care
purchases using your YSA card with select merchants that can validate your expenses at the
point of sale, the dollar amount will be deducted
from your account automatically. No follow up
needed! Select merchants include pharmacies,
doctors and dental offices (including all MetLife
PDP dentists), hospitals, clinics, vision centers
and more. Visit the Your Spending Account
Web site for a listing of these select merchants.
• 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 transaction 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 covered 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.
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Life Insurance and Accidental Death & Dismemberment Coverage
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&D
Enrollment 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 coverage any time—but not more than once during a
12-month period or if you experience a qualified status 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 reenroll during Annual Enrollment—you will keep your
coverage for 2010 unless you make a change.
You MUST Designate
Your Life and AD&D Beneficiaries
Online 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 beneficiary 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 Options
Voluntary 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 complete information, see the Life Insurance chapter
of the Benefits Summary.
2010 Benefits Annual Enrollment
15
Dependent Term Life Insurance
for Your Spouse or Domestic Partner
You can buy coverage for your spouse or sameor 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 Same-Sex 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.
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
Life Insurance
Coverage for Salaried Associates
Your 2010 Life Insurance Options
Voluntary 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 complete 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 Same-Sex 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.
2010 Benefits Annual Enrollment
Company-Provided
Basic Term Life Insurance for
Home Depot Medical Plan Participants
As a salaried associate, The Home Depot automatically 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.
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 and
Dismemberment (AD&D)
Coverage for Salaried Associates
Your 2010 AD&D Options
Accidental Death and
Dismemberment (AD&D) Coverage
for Full-time Hourly Associates
Your 2010 AD&D Options
Associate-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 coverage amount.
If you are covering a domestic partner, see the
Benefits for Same-Sex Domestic Partners chapter
of the Benefits Summary for more information.
16
Associate-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 coverage amount.
If you are covering a domestic partner, see the
Benefits for Same-Sex Domestic Partners chapter
of the Benefits Summary for more information.
Company-Provided Basic AD&D Insurance
As a salaried associate, The Home Depot automatically provides you with $100,000 of Basic AD&D
Insurance at no cost to you.
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Disability Coverage
Disability Coverage
for Full-time Hourly Associates
What’s New for 2010
• New lower long-term disability payroll deduction (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.
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 calendar 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
Your 2010 Disability Options
What’s New for 2010
Your disability plan options are:
• New long-term disability benefit choice–you
choose whether to receive LTD benefits as a
tax-free or taxable benefit
• 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
2010 Benefits Annual Enrollment
Enrollment Must-Knows
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 taxable 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 taxfree income to you.
If you don’t make a choice during your annual enrollment session, you’ll be defaulted into the tax on benefit option. You cannot change your choice until the
next annual enrollment period.
During this annual enrollment period, salaried associates can choose whether to receive long-term disability benefits as a tax-free or a taxable benefit.
17
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
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
Tax on Plan
Cost Option
Tax on Benefit
Option
Net Biweekly
Paycheck
Amount
Annual LTD
Benefit
$1,699.84
$42,000
$1,705.58
$26,607
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.
Example Associate Profile
Annual Base Pay
$70,000
Federal Income Tax Rate (based on single filing status)
25%
State Tax Rate
4%
FICA
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.
7.65%
Total Tax
36.65%
Company Paid Biweekly LTD Premium for Annual Base Pay of $70,000
Tax on Benefit
Tax on Plan Cost
Paycheck Example
Paycheck Example
Earnings
Taxes (on $2,707.95)
Regular $2,692.31 FICA Med (1.45%)
$39.27
Company Paid
1
LTD Premium
$15.64
GROSS PAY
$2,707.95
$15.64
FICA OASDI (6.2%) $167.89
Earnings
Regular $2,692.31
Taxes (on $2,692.31)
FICA Med (1.45%)
$39.04
FICA OASDI (6.2%) $166.92
Federal
$676.99
Federal
$673.08
State
$108.32
State
$107.69
Total Taxes
$992.47
2
NET PAY
$1,699.84
Total Taxes
GROSS PAY
$2,692.31
2
NET PAY
$986.73
$1,705.58
1 Taxable Income, not actual income
2 Net Pay reduced by $5.74 per paycheck or $149.24 annually
Impact on LTD Benefit (if approved for LTD)
Impact on LTD Benefit (if approved for LTD)
Annual LTD Benefit
(60% of annual base pay)
Federal Income Tax Rate
(based on single filing status)
Annual LTD Benefit After Taxes
2010 Benefits Annual Enrollment
18
$42,000
($70,000 x 60%)
$0
$42,000
Annual LTD Benefit Before
Taxes (60% of annual base pay)
Income Tax on Benefit
Received (assumes 25%
federal, 4% state and
7.65% FICA = 36.65%)
Annual LTD Benefit After Taxes
$42,000
($70,000 x 60%)
$15,393
($42,000 x
36.65%)
$26,607
($42,000-$15,393)
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Short- and Long-Term Disability
Coverage for Salaried Associates
The Home Depot automatically provides salaried associates 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 continue for a period of disability approved by the
plan’s third party administrator up to a maximum
of 90 days.
2010 Benefits Annual Enrollment
• 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 disability benefits continue for the remainder of your
disability, up to the maximum benefit duration.
19
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.
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
MetLaw Legal Services and Long-Term Care Insurance
What’s New: MetLaw
• New services available, including legal help
with property tax assessments, title disputes,
zoning applications and domestic violence.
• New payroll deduction for MetLaw. ($8.65
biweekly)
MetLaw Enrollment Must-Knows
• Enrollment in MetLaw is available only during
Annual Enrollment. You will actually enroll in this
plan on the MetLife Web site—you’ll find a link to
this Web site on the Your Benefits Resources
Web site: Click Health, Insurance….>click Health—
the link is under Take Charge of Your Health.
• If you are enrolled MetLaw in 2009 and want to
remain covered in 2010, you do not have to
reenroll during Annual Enrollment—you will
keep your coverage for 2010 unless you make
a change.
2010 Benefits Annual Enrollment
Long-Term Care Insurance
Enrollment Must-Knows
• If you are currently enrolled in the long-term care
plan, you do not have to reenroll in this plan
during Annual Enrollment—you will keep your
coverage for 2010 unless you make a change.
• Once you’re eligible, you can enroll in long-term
care at any time throughout the year.
To get more information about long-term care
(including price quotes) and to enroll, go to the
MetLife Web site—you’ll find a link to this Web site
on the Your Benefits Resources Web site: Click
Health, Insurance….>click Health—the link is under
Take Charge of Your Health.
MetLaw
The MetLaw network of over 9,000 experienced participating attorneys can help you prepare a will and
deal with debt issues, identity theft, family law and
real estate and traffic matters. Covered services are
paid in full when you use an in-network attorney. You
also can use an out-of-network attorney and be
reimbursed based on a set fee schedule. When you
enroll in the MetLaw, your spouse or eligible domestic partner and your eligible children (see the
Eligibility and Enrollment chapter of the Benefits
Summary) also can use the plan.
20
Long-Term Care Insurance
The fact that most of us are living longer increases
the likelihood that we will need some form of longterm care at some point in our lives—and long-term
care is expensive. Long-Term Care Insurance helps
you pay for care that provides assistance for everyday tasks—like dressing, eating or bathing—if you
can no longer perform these tasks on your own,
whether you’re living at home, in an assisted living
facility or in a nursing home.
You can choose to cover yourself and/or your
spouse or domestic partner, parents and parents-inlaw, adult children and stepchildren over age 18 and
your grandparents and grandparents-in-law. When
you enroll in long-term care insurance, you will
choose a per-day dollar amount that the plan will
pay while you are receiving long-term care.
Once you’re eligible, you can enroll yourself in longterm care insurance during your initial enrollment
period without providing a statement of health. If you
don’t enroll during your initial enrollment period, you
can enroll at any time during the year; however, you
must provide a statement of health. A statement of
health is required for any family members you cover
regardless of when they enroll.
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
FutureBuilder
FutureBuilder
Enrollment Must-Knows
You 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!
• 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 company 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.
• 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 save
through FutureBuilder and how to invest your savings in the plan, consider using Merrill Lynch
Advice Access. Merrill Lynch Advice Access provides 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 information 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.
The Employee Stock Purchase Plan
ESPP Enrollment Must-Knows
You 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.
2010 Benefits Annual Enrollment
Use the Power of Home Depot’s
Employee 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.
21
• Buy stock through convenient payroll deductions! When you enroll, you’ll indicate the percentage 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.
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
How to Enroll
What’s New for 2010
When You Enroll
• New, simplified enrollment steps guide you
through the process that includes helpful
decision-making tools!
Your 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!
• 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, dental and vision coverage you
have now. You must actively enroll in:
—One or both of the spending accounts if you
want to participate in 2010; and
—The Legal Services Plan, if you want to add this
coverage in 2010.
If you are currently enrolled in life and/or disability
insurance, or the legal services or long-term care
plans, you do not have to reenroll in these plans
during Annual Enrollment—you will keep your
coverage for 2010 unless you make a change.
Using Your Benefits
Resources to Enroll
The 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, dental and vision 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.
• 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 designation 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.
2010 Benefits Annual Enrollment
Use Steps 1, 2, 3 and 4 to help you make your benefit
choices and click Step 5 when you’re ready to enroll!
22
• Select 5. Enroll in your health and welfare
benefits then click Enroll Now! to begin the
enrollment process.
• Click on each plan—Medical Plan, Dental Plan,
Vision 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 certify that the dependent is eligible for coverage.
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
• 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.
If you want to add Legal Services Plan coverage for
2010, you must enroll in this plan on the MetLife
Web site—you’ll find a link to this Web site on the
Your Benefits Resources Web site: Click Health,
Insurance….>click Health—the link is under Take
Charge of Your Health.
Use Your Online
Annual Enrollment Tools
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.
Under 2. Medical tools to help you choose,
you’ll find:
• Compare Medical plan details—Compare
your Medical Plan choices side by side.
Your online Annual Enrollment tools are valuable
resources for choosing your benefits. You’ll find links
to these tools on the Annual Enrollment page:
• Search for medical providers
You can enroll in your 2010 benefits
through the Benefits Choice Center
While 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!
• Compare medical plan costs
Under 3. Dental and Vision tools to help you
choose, you’ll find:
• Compare dental plan details
• Search for dental providers
• Compare vision plan details
• Search for vision 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 contribute to your Dependent Care Spending Account.
2010 Benefits Annual Enrollment
23
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
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!
Have Your User ID and Password Ready Before Enrollment!
1. Log on to http://resources.hewitt.com/homedepot.
2. Enter your user ID and Password
3. Click Log On
Are you a new user?
1
Log on to http://resources.hewitt.com/homedepot.
Click Register as a New User. You will need to provide the last four digits of your Social Security number and your date of birth. Then you will be prompted to set up a new User ID and password. You also
will answer five security questions.
2
3
Forgot Your User ID or Password?
1. Click I Forgot My User ID or I Forgot My Password
2. To get your User ID, enter the last 4 digits of your Social
Security Number and your birth date
3. To get your password, enter the last 4 digits of your
Social Security Number and your birth date and use one
of the prompts: Use Hint to Retry Password, Answer
Security Questions or Reset Password
2010 Benefits Annual Enrollment
24
3
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
2010 Payroll Deductions
2010 Health Care Plan Eligibility and Bi-Weekly Payroll Deductions
Full-Time
Hourly &
Salaried
Associates
Part-Time
Hourly
Associates
Associate Only
Associate +
Spouse
Associate +
Child(ren)
Associate +
Family
$45.00
$86.25
$72.00
$114.00
o
$21.78
n/a
n/a
n/a
MEDICAL PLAN OPTIONS
Triple-S
o
Triple-S Esssencial
DENTAL PLAN OPTIONS
MetLife $500 Annual Maximum
o
o
$5.25
$10.50
$10.50
$15.75
MetLife $1,000 Annual Maximum
o
o
$10.95
$21.90
$21.90
$32.86
MetLife $2,000 Annual Maximum
o
o
$13.58
$27.16
$27.16
$40.74
EyeMed Select $120
o
o
$2.08
$3.64
$3.78
$6.32
EyeMed Select $150
o
o
$4.32
$7.73
$8.10
$12.71
VISION PLAN OPTIONS
SPENDING ACCOUNTS
Health Care Spending Account
o
Dependent Day Care Spending Account
o
For all other benefit premiums log on to Your Benefits Resources™ at http://resources.hewitt.com/homedepot or call the Benefits Choice Center
at 1-800-555-4954.
• For weekly rates, take the biweekly rates above, multiply by 26, then divide by 52.
• In some instances your paycheck may not be enough to cover the entire amount of your benefits premiums. In those cases, the amount of the premium
above your paycheck is still owed and will be collected from your future paychecks.
2010 Benefits Annual Enrollment
25
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
Live the Orange Life: Guide to Your Benefits
Benefits Contact List
Phone Number
Internet Address
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
General Assistance
USVI Medical Plan Providers
Triple-S
1-800-981-3241
Dental Care Plan Provider
MetLife
1-800-638-9909
www.metlife.com/dental or go to Your Benefits Resources for single sign-on
1-888-203-7447
www.eyemedvisioncare.com
1-800-555-4954
Your Benefits Resources™ http://resources.hewitt.com/homedepot
1-800-638-9909
www.metlife.com or go to Your Benefits Resources for single sign-on
Vision Care Plan Provider
EyeMed Vision Care
Flexible Spending Accounts
Your Spending Accounts (YSA)
Life Insurance/Disability/Accidental Dismemberment
MetLife
To Learn About...
Associate Discounts
CARE/Solutions for Life
http://resources.hewitt.com/homedepot and select the Associate Discounts tab
1-800-553-3504
www.caresolutionsforlife.com
CareerDepot
https://careers.homedepot.com/cg
www-us.computershare.com/employee; To enroll:
http://resources.hewitt.com/homedepot
ESPP (Employee Stock Purchase Plan)
1-800-843-2150
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
2010 Benefits Annual Enrollment
26
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
USVI Full-Time Hourly and Salaried Associates
2010 Benefits Annual Enrollment
27
To enroll, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954
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 benefits information in this Annual Enrollment Guide is provided as a service to associates. 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 policies, the plan documents or policies will govern. The Company has the right to amend or terminate these benefits at any time.
© 2009 Homer TLC, Inc. All rights reserved. Your Benefits Resources is a trademark of Hewitt Management Company LLC.
Confidential and Proprietary
This is an unpublished work containing confidential and proprietary
information of The Home Depot. All rights reserved.
USVI FULL-TIME HOURLY AND SALARIED ASSOCIATES
USVI FS GUIDE 2010
2010 Benefits Annual Enrollment
30
For help, go to http://resources.hewitt.com/homedepot or call 1-800-555-4954