Part-time Associate Guide (Non HI) - Home Depot Live The Orange

BENEFITS ANNUAL ENROLLMENT GUIDE

Your 2014

Valuable Benefits Available Exclusively to YouFor Part-time Associates

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.

1 ENROLLMENT

Review this important

information and take action.

2 HEALTH CARE

REFORM

Key parts of the new health

care law take effect in 2014.

3 AFFORDABLE C

ARE

ACT REQUIRED

LEGAL NOTICE

4 BENEFITS

TO ENROLL IN

DURING ANNUA

L

ENROLLMENT

6 MORE VALUAB

LE

BENEFITS

Take advantage of these

throughout the year.

What’s Inside...

livetheorangelife.com 1

Start Date Deadline Work State

Oct 29 Nov 8 AL, AR, FL, GA, KY, LA, MS, NC, OK, SC, TN, TX, VA, WV

Nov 5 Nov 15 CT, DC, DE, IL, IN, MA, MD, ME, MI, NE, NH, NJ, NY, OH, PA, RI, VT

Nov 12 Nov 22 AK, AZ, CA, CO, GU, HI, IA, ID, KS, MN, MO, MT, ND, NM, NV, OR,PR, SD, UT, USVI, WA, WI, WY

Visit livetheorangelife.com > Annual Enrollment

2014 ANNUAL ENROLLMENT

What You Need to Know for 2014 Annual Enrollment

• As part of the new health care law, limited medical plans areno longer allowable in 2014. Our current part-time Aetna/SRCplans are impacted by this beginning January 1, 2014.

—In place of this coverage, the law provides for a new public Marketplace (or “exchange”)where you will have more options and can shop for comprehensive medical coverage.

—To help you understand and enroll in the medical options available, The Home Depot willprovide free support online and by phone. See page 2 for details.

—If you are currently enrolled in the Aetna/SRC medical plan, your coverage will end on December 31, 2013.

• You must take action during your enrollment period if you would like to change your electionfor benefits like dental and vision coverage. If you do not make a change, you will be defaulted into your current option for these benefits. See pages 4 & 5 for more details.

2014 Annual Enrollment Key Dates• Beginning October 29, get the details of your 2014 Home Depot benefit options in the

electronic annual enrollment guide on livetheorangelife.com under Annual Enrollment.

2014 Annual Enrollment Periods

Health Care Reform in 2014Key Provisions Go Into Effect2014 is an important year as key provisions of the health carelaw go into effect, including:

• The creation of the new public Marketplace (or“exchange”) where you can shop for comprehensivemedical coverage

• Government tax credits (subsidies) available to those who qualify to help pay for Marketplacemedical coverage

• No exclusion for pre-existing conditions and no annual or lifetime plan maximums

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

Want an Overview of Health Care Reform Basics and What’s Changing in 2014?Watch the Kaiser Family Foundation videos at livetheorangelife.com/kff.

The Kaiser Family Foundation is an independent nonprofit organization.

Your Health Care Marketplace Support ServiceThe Home Depot is providing a free service to help you:

• Understand your options within the Marketplace

• Learn how to apply for the government tax credits

• Enroll in coverage through the Marketplace

• Learn about other public programs such as Medicare and Medicaid

This service is available online and by phone to answer your questions and walk youthrough the process of purchasing coverage in the Marketplace.

2 WAYS TO TAKE ADVANTAGE OF THIS FREE RESOURCE:

Easy to use website: Access the website 24/7 by visiting mymarketplacesupport.com.

Talk to an expert: If you have questions or need help enrolling, call 1-866-229-5477 from 9:00 a.m. to 7:00 p.m. ET Monday through Friday.

1

2

2 2014 Benef i ts Annual Enrol lment Guide


REQUIRED LEGAL NOTICEAffordable Care Act Required Government Legal Notice

Notice About New Health Insurance Marketplace Coverage Options

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 Market-place (the “Marketplace”), which will provide you a new way to buy health insurance. The purpose of this notice is to provide you somebasic 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. The Marketplace offers “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.

How Can I Get More information about the Marketplace? The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. VisitHealthCare.gov for more information, including an online application for coverage and contact information for a Marketplace in your area. Theycan also be reached at 1-800-318-2596. TTY users should call 1-855-889-4325.

In addition to HealthCare.gov, you can get information about and assistance with the Marketplace through a service provided by The HomeDepot by visiting mymarketplacesupport.com, or calling 1-866-229-5477, 9 a.m. to 7 p.m., Eastern Time, Monday through Friday. This serv-ice also provides information about other public programs, such as Medicare, Medicaid, and the Children’s Health Insurance Program (CHIP)that you may find beneficial. This service is not affiliated with Healthcare.gov or any other governmental agency. It is being provided to you byThe Home Depot as an additional resource for information on The Marketplace.

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 offer coverage, or offers coveragethat 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 be eligible for a tax creditthrough the Marketplace and may wish to enroll in coverage through The Home Depot. However, you may be eligible for a tax credit thatlowers your monthly premium, or a reduction in certain cost-sharing if The Home Depot does not offer coverage to you at all or does notoffer coverage that is either “affordable1” or meets “minimum value2”.

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 atlivetheorangelife.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 Road6. Employer phone number: 1-866-698-43477. City: Atlanta 8. State: Georgia 9. ZIP code: 3033910.Who can we contact about employee health coverage at this job? The Benefits Choice Center11.Phone number: 1-800-555-4954. Please note you may experience wait times.12.Email address: n/a14.You are not eligible for health insurance through The Home Depot. You and your family may be able to obtain health coverage through

the Marketplace, with a new kind of tax credit that lowers your monthly premiums and with assistance for out-of-pocket costs.

1 An employer-sponsored medical plan is “affordable” if the annual cost of the plan for you (and not any other members of your family) is no more than 9.5%of your household income (as defined by the IRS).

2 As set by the Affordable Care Act.

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

THD AT-HOME SERVICES, INC. (INCLUDES RESTORATION SERVICES, INSTALLED PRODUCTS USA, RMA HOME SERVICES, MEASUREMENT SERVICES) 75-2698460

U.S. REMODELERS, INC. 75-2686765


Your 2014 Dental and Vision Payroll DeductionsAssociate Only Associate +

Spouse*Associate +Child(ren)

Associate +Family

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 $48.60EyeMed Vision OptionsSelect $120 $2.12 $3.72 $3.85 $6.44

Select $150 $7.74 $13.84 $14.50 $22.76* Or same-sex domestic partner• 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 the premium aboveyour paycheck is still owed and will be collected from your future paychecks.

For all other benefit premiums, log on to Your Benefits Resources™ at livetheorangelife.comor call the Benefits Choice Center at 1-800-555-4954.

BENEFITS to Enroll In During Annual Enrollment

Dental Plan—Free Preventive Dental CareEach MetLife dental option provides free preventive care until you have reached your annual maximum benefit.

• MetLife $500 Annual Maximum option—preventive and restorative care only

• MetLife $1,000 Annual Maximum option—comprehensive coverage, including orthodontia

• MetLife $2,000 Annual Maximum option—comprehensive coverage, including orthodontia

To learn more and find an in-network provider, visit livetheorangelife.com.

Vision Plan—FREE In-Network Eye Exams and Discounts on Glasses and Contacts

• EyeMed Select $120 Plan

• EyeMed Select $150 Plan

Each of the two EyeMed vision options provides a free eye exam from EyeMed Select providers,which include independent providers and Sears, LensCrafters, Pearle Vision, Target Optical and JCPenney Optical. To learn more and find an in-network provider, visit livetheorangelife.com.

If you ARE CURRENTLY ENROLLED in theDental, Vision, Hospital Indemnity, Critical Illness Protection, Short-term Disability and/orTerm Life Insurance plans, you will continueyour current option if you do not take action. If you ARE NOT ENROLLED and want coverage in 2014, you can enroll during your enrollment period.


Hospital Indemnity Plan—Cash When You Need It MostThe Hospital Indemnity Plan* pays a cash benefit if you have an inpatient hospital stay:

• Hospitalization Benefit (once per calendar year): $1,000

• Per-Day Benefit (up to 100 days per calendar year): $100

The benefit is paid in cash and how you use it is up to you—groceries, rent, bills, etc. Please notethat pre-existing condition exclusions may apply and this coverage is subject to plan limits.

Critical Illness Protection Plan—Cash for Specific Conditions andWellness ScreeningsThe Critical Illness Protection Plan* can be purchased in four benefit amount options:

• $5,000 • $10,000 • $20,000 • $30,000

This plan pays a lump-sum cash benefit for specific conditions, such as heart attack, stroke and cancer, as well as benefits for eligible travel and lodging expenses. Plus, the $75 benefit you receivefor a wellness screening could pay the cost of your coverage!

MetLaw Legal ServicesMetLaw provides coverage for legal services, such as wills and estate planning documents and realestate matters, at a discounted price. If you are currently enrolled, you will continue your enrollment in2014. To opt out or enroll, take action during your enrollment period.

Short-Term Disability—Pays Up to $125 Per Week While You Are DisabledIf you are covered under the short-term disability plan, you’ll receive 50% of your weekly base pay—up to $125 a week (for a maximum of 24 weeks)—if a qualified disability leaves you unable to work.Benefits begin after you have been unable to work for 14 consecutive days.

Note: Not available to associates working in California, New Jersey, New York or Rhode Island—these states have state disability plans.

Term Life Insurance—Support for Your FamilyYou can purchase $20,000 of life insurance for yourself and $2,500 for yourspouse and children.

* The Hospital Indemnity Plan and the Critical Illness Protection Plan do not qualify as “minimum essential coverage” under the Affordable Care Act.


MORE VALUABLE BENEFITS

FutureBuilder 401(k)—Free Money from The Home DepotConvenient payroll deductions, a wide variety of investment options and tax advantagesmake FutureBuilder a great way to save for retirement. Plus, after you have one year ofservice*, The Home Depot helps you reach your retirement goals by matching part of your contributions. If you need help investing your FutureBuilder account, you can take advantage of Financial Engines—an independent investment advisor.

You can enroll in FutureBuilder at any time and contributions will begin once you’ve completed 90days of service. Learn more and enroll at livetheorangelife.com > Financial Wellness > Save > FutureBuilder 401(k) Plan.

*At least 1,000 hours in a 12-month period. Please see the Benefits Summary for detailed vesting rules.

Employee Stock Purchase Plan (ESPP)—Own a Piece of The Home Depot at a DiscountThe ESPP allows you to set aside up to 20% of your eligible pay (subject to certain tax limits) to purchase shares of The 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 and enroll at livetheorangelife.com > Financial Wellness > Save > Employee Stock Purchase Plan.

Purchasing PowerThe Purchasing Power voluntary benefit allows eligible associates to buy brand name products likeelectronics, baby gear, learning solutions and more through convenient payroll deductions and save10%.1,2 Learn more at livetheorangelife.com > Financial Wellness > Save > Purchasing Poweror call 1-800-541-4349.

Success SharingFor the first half of 2013, 100% of U.S. stores qualified for SuccessSharing and earned the highest payout in Company history. Sincethe Success Sharing program began in 2002, The Home Depot haspaid associates over a billion dollars in Success Sharing awards.

1 If you have at least 1,000 hours of service in one year. Visit livetheorangelife.com (Financial Wellness > Save) for eligibility requirements.

2 Not available to associates in New Jersey, Rhode Island and Wyoming.


Homer Awards You can earn Homer Awards for going above and beyond in living the Company values. And you will earn cash rewards for every third Homer Award you receive!

CARE/Solutions For Life—The Employee Assistance ProgramCARE is a free and confidential resource designed to help associates balance the demands of workand personal life. Assistance includes coaching/counseling for many work and personal concerns, financial and legal assistance, help with child and elder care and other support services. CARE isavailable to all associates and their household members. Learn more at livetheorangelife.com > Financial Wellness > Manage > EAP Financial Counseling.

Adoption AssistanceOnce you've completed one year of continuous service (working more than 15 hours a week) from your original date of hire, you may be eligible to apply for adoption reimbursement. The Home Depot reimburses eligible adoption expenses up to a maximum of $1,500 per adoption. Learn more at livetheorangelife.com > Financial Wellness > Manage > Adoption Assistance.

The Matching Gift ProgramThe Home Depot Foundation will match individual associate gifts to eligible organizations ranging from $25 to $3,000 per charity per calendar year.

Time OffPart-time associates are eligible for paid time off after oneyear of service. For complete information, see the Time-OffBenefits—US SOP available on myApron or call the HRService Center at 1-866-698-4347.

Homer FundSince 1999, the Homer Fund has provided more than $90 million to over 71,000 associates in need of shelter, food, clothing and funeral expenses through its Direct and Matching Grant programs. This unique program is funded in part by donations from fellow Home Depot associates. Learn more at thdhomerfund.org.


MORE VALUABLE BENEFITS continued

Quit for Life—FREE One-on-One Coaching and Nicotine PatchesGet professional help and kick your tobacco habit like many of your fellow associates have! The Quit for Life program is free to Home Depot associates. Get started today bycalling Quit for Life at 1-866-784-8454.

The Home Depot Health ChallengeChallenge participants complete healthy activities in three categories: Be Active,Eat Healthy and Outsmart Stress. You will earn points each day by performinghealthy activities 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 of drinksfrom the soda machine.

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

Garden Associate Joe Masar beats high cholesterol and high-sodium snacksby serving 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


Back-Up Dependent Care—Quality Care at a Discount

When your regular child or adult/elder care is unavailable, the Bright Horizons Back-Up Care Advantage Program can help. Once you have completed a year of service with the Company, you will receive up to 10 days of care through a nationwide network of quality providers at deeply discounted rates. Learn more atlivetheorangelife.com > Financial Wellness > Manage > Back-up Dependent Care or call 1-877-543-2822 to learn more.

Associate Discounts—Why Pay More? Get a Discount Electronics, fitness equipment, gym memberships, gift cards, movies, computers…you can get a discount on just about anything on the Home Depot Associate Discount website.

This is a website you should visit often. The Associate Discount website allows you to save on thou-sands of products and services, including discounts on cell phones, fitness equipment, electronics, movie tickets and many discounts exclusive to The Home Depot!

PLUS as a Home Depot associate, you get exclusive discounts on foot orthotics, prescriptiondrugs, eyeglass frames and MUCH MORE!

Log on to Your Benefits Resources from livetheorangelife.com —and click on the Associate Discounts tab.

Commuter BenefitsAssociates can purchase passes for work-related public transportation and parking expenses (for example, a monthly bus pass) while taking advantage of before-tax payroll deductions. Learn more at livetheorangelife.com > Financial Wellness > Manage > Commuter Benefits.

Get Complete Details on All of Your Home Depot Plans, Programs and Discounts on livetheorangelife.com!

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

IMPORTANT!

Information about

your 2014

benefits inside!

2014 US PT

Documents

Part-time Associate Guide (Non HI) - Home Depot Live The Orange