USVI Part-time Hourly Annual Enrollment Guide - Home Depot Live

ANNUAL ENROLLMENT GUIDE

for USVI Part-time Hourly Associates

Your 2013

Live the Orange Life: Guide to Your Benefits Puerto Rico Full-Time Hourly and Salaried AssociatesPuerto Rico Full-Time Hourly and Salaried AssociatesLive the Orange Life: Guide to Your Benefits

Medical Coverage 1

2013 ID Cards 1

Best Doctors® 6

Critical Illness Protection Plan 7

Dental Plan Coverage 8

Vision Plan Coverage 11

Term Life Insurance for Part-time Associates and Their Families 14

Disability Coverage 14

FutureBuilder 15

The Employee Stock Purchase Plan 17

MetLaw Legal Services 17

How to Enroll 18

Benefits Contact List 19

2013 Payroll Deductions 20

HEALTH CARE PLANS• Medical• Dental• Vision• Critical Illness Protection

FINANCIAL PROTECTION PLANS• Disability Insurance• Life Insurance• MetLaw Legal Plan

FINANCIAL BENEFITS • FutureBuilder • Employee Stock Purchase Plan (ESPP)• Success Sharing

ADDITIONAL PROGRAMS • Paid Time Off• Adoption Assistance• CARE/Solutions for Life• Associate Discounts• Matching Gift Program• Quit for Life® Tobacco Cessation Program• Ayco’s Money in Motion Program• Financial Engines

What’s Inside

¿No hablas o lees inglés?Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al 1-800-555-4954.

IT’S TIME TO ENROLL IN YOUR HOME DEPOT BENEFITS FOR 2013

YOUR ENROLLMENT PERIOD–NOVEMBER 19 THROUGH NOVEMBER 30!

Check out the U.S. Virgin Islands benefit information on the newly remodeled livetheorangelife.com!Click U.S. Virgin Islands on the lower right side of the livetheorangelife.com home page.

The Summary of Benefits and Coverage (SBCs), which lets you easily compare the different medical options, isposted online at www.livetheorangelife.com. A paper copy is available through the Benefits Choice Center at 1-800-555-4954.

Puerto Rico Full-Time Hourly and Salaried Associates

2013 Benefits Annual Enrollment For help, visit livetheorangelife.com or call 1-800-555-49541

Virgin Islands Part-Time Hourly Associates

The Triple-S Medical PlanMedical Plan Enrollment Reminders!• The Triple-S medical plan is available to associates only.

Dependents cannot be covered under this plan.

• You must complete six months of active service with TheHome Depot to be eligible for medical coverage. If youhaven’t completed six months of active service,you can still enroll during your Annual Enrollmentsession. See If You Have Less Than Six Monthsof Active Service for more information.

• Coverage through the Triple-S medical plan is subject toplan limits! See Limited Coverage at a LowerCost for more information.

How the Triple-S Medical Plan Works• You must use Triple-S network doctors! You must use

Triple-S network providers to receive benefits fromthe plan for covered services. No benefits arepayable for services received from non-Triple-Snetwork providers except prescription drugs andpsychological tests and evaluations.

• Your Triple-S medical plan uses the Blue Cross BlueShield network. You’ll receive a list of networkproviders in the U.S. Virgin Islands at your store.

• You pay only a copay for covered services—no claimforms! When you receive care for a covered service from a Triple-S network provider, all you pay is the applicable copay. You don’t haveto pay the cost of the service and file a claim form for reimbursement.

If You Have Less Than Six Months of Active ServiceYou must complete six months of active servicewith The Home Depot to be eligible for medical coverage. If you haven’t completed six months of active service, you can still enroll for medical coverage during your Annual Enrollment session.Your medical coverage will begin the day after youcomplete six months of active service—on your181st day of employment. Keep in mind that thissix-month waiting period does not apply to dentalor vision coverage—you are eligible for dental andvision coverage after you complete 90 days ofactive service.

Limited Coverage at a Lower CostThe Triple-S plan provides coverage for office visits,generic prescription drugs, certain diagnostic testsand emergency room services. However, there is no coverage for inpatient care and surgery or outpatient surgery.

Medical Coverage

Plan You will receive a new ID card by mid-January 2013 if You will NOT receive a new ID card if

• Triple-S Medical You are enrolling in coverage for the first time in 2013. You are staying enrolled in medical coverage for 2013.

• EyeMed Vision You are enrolling in coverage for the first time or if youchange your plan option for 2013.

You are enrolling in the same coverage for 2013 that you have in 2012.

• MetLife Dental You are enrolling in dental coverage for the first time for2013.

You are staying enrolled in dental coverage (regardless of whichoption) for 2013.

2013 ID Cards



Be a Smarter Health Care ConsumerKnow Your Risks and Actively Manage Them• Get certain preventive care services FREE from Triple-Snetwork providers. Call Triple-S for a list of free preventive care services.

• Disease management, prenatal education and healtheducation available through the Triple-S Be Well—Integral Care Program. The disease managementprogram provides guidance and educational helpif you have diabetes, asthma, hypertension orheart failure. To find out more about the IntegralCare Program, go to www.ssspr.com and register on this website.

Know Where to Go for Care• If your condition is not life threatening, don’t waste timeand money in the hospital emergency room. CallTeleconsulta and talk to a registered nurse who can help you decide if you need to go the emergency room. You’ll find the toll-free number for Teleconsulta on the back of yourTriple-S ID card.

Managing Costs of Your Care• Find out costs before you go. Call Triple-S to learn

your out-of-pocket costs before you go to thedoctor or hospital. Triple-S may be able to suggest a doctor or hospital that provides the service you need at a lower cost while still providing high quality.

• Get help with claims, billing issues and other medicalservices through Health Advocate. Call HealthAdvocate at 1-800-519-6689.

• If you are covered under a Home Depot medical plan,Best Doctors can provide you with a confidential expertsecond opinion so you can be sure you’re getting theright diagnosis and the right treatment. Call BestDoctors at 1-866-797-8021.

Wellness Resources for a Healthier You• The Quit for Life Program’s FREE one-on-one coachingand nicotine patches have helped more than 14,000Home Depot associates stop using tobacco. The program is free to all associates and to spouses/domestic partners who are covered under aHome Depot medical plan. Call Quit for Life at 1-866-784-8454 to enroll today.

• Visit my health chat from livetheorangelife.com tochat with fellow associates and medical expertsabout health and health improvement. You canchat using a screen name and even design yourown avatar.

• Building Better Health (BBH) Program—BBH is aimed at improving our associates’ health. Talk to your location’s Wellness Champion for more information.

• Get in shape for less by visiting the Home Depot Associate Discount website athttp://resources.hewitt.com/homedepot. Takeadvantage of discounts on fitness equipment,health clubs, weight management programs andmuch more.

• More Health Club Discounts—get discounted rates tovarious large health club chains. Visit myApron >My HR, Pay and Benefits > My Benefits or theAssociate Discount website athttp://resources.hewitt.com/homedepot.




USVI Part-Time Triple-S Medical Plan

In-Network Out-of-Network

Member Services Customer Service available through Telexpreso (787-774-6060/1-800-981-3241) Monday to Fridayfrom 8:00am-10:00pm; Saturdays 9:00am – 6:00pm and Sundays 11:00am – 5:00pm

Website www.ssspr.com

Major Medical

Annual deductible: Individual/Family Not applicable. Non participating providers willnot be covered. No major medical coverage.

Not applicable. Non participating providers willnot be covered. No major medical coverage.

Out-of-pocket maximum: Individual/Family Not applicable. Non participating providers willnot be covered. No major medical coverage.

Not applicable. Non participating providers willnot be covered. No major medical coverage.

Lifetime coverage limit Not applicable

Major Medical Coverage Not applicable

Policies/Requirements

Need to file claims No Not applicable

Access

Ability to self-refer to OB/GYN Yes Not applicable

Ability to self-refer to specialists Yes Not applicable

Outpatient Services

Primary Care

Primary doctor office visit $5 - Generalist Not covered

Specialist office visit $15 - Specialist$20 - Sub-specialist

Not covered





Outpatient Services - continued

Preventive Care

Annual physical exam 100% Covered Not Covered

Well-woman exam (includes pap) 100% Covered Not Covered

Mammogram 100% Covered Not Covered

Pediatric exams 100% Covered Not Covered

Immunizations (child) 100% Covered Not Covered

Outpatient Care

Lab 75% covered Not Covered

Complex Imaging Not covered except MRI, MRA, and CT scan; 50% covered; limited to one per policy year; sonograms 60% covered; one per policy per anatomic region

Not Covered

X-ray 75% covered Not Covered

Outpatient surgery Not Covered Not Covered

Outpatient physical therapy Not Covered Not Covered

Outpatient occupational therapy Not Covered Not Covered

Outpatient speech therapy Not Covered Not Covered

Family Planning/Maternity Care

Office visit: Pre/postnatal $15 copay Not Covered

In-hospital delivery services Not Covered Not Covered

Inpatient Services

Inpatient Room and Board

Hospital copay Not Covered Not Covered

Inpatient Care Not Covered Not Covered

Emergency Care

Emergency room (not followed by admission) $125 copay ($75 copay if recommended by Teleconsulta) Not Covered

Urgent care clinic visit $125 copay ($75 copay if recommended by Teleconsulta) Not Covered

Ambulance services Not Covered Not Covered






Inpatient Services - continued

Prescription Drug Coverage

Annual prescription deductible Not applicable

Prescription drug website www.ssspr.com

Prescription drug member services 1 (800) 981-3241 (USVI Toll Free) 1 (800) 981-3241 (USVI Toll Free)

Retail (Note: Prescription drug annual maximum benefit: $500 per member—after the $500 annual maximum benefit is reached, you will pay a 75% coinsurance for covered drugs)

Generic $5 75% of the established fee minus the generic copayment

Preferred Not covered, except for specific asthma drugsand insulin; $15 copay applies

Not covered, 75% reimbursement for specific asthmadrugs and insulin; $15 copay applies

Non-Preferred / New Drugs Not covered Not covered

Mail Order

Generic Not Covered Not Covered

Preferred Not Covered Not Covered

Non-Preferred / New Drugs Not Covered Not Covered

Other Services

Mental Health & Substance Abuse

Mental Health: Combined with substance abuse No Not Covered

Mental Health: Outpatient coverage $15 copay Psychological tests up to $35 and psychological evaluations up to $65

Mental Health: Inpatient coverage Not Covered Not Covered

Substance Abuse: Outpatient coverage $15 copay Psychological tests up to $35 and psychological evaluations up to $65

Substance Abuse: Inpatient coverage Not Covered Not Covered



FREE Program: Best Doctors®

If you enroll in a Home Depot medical plan, Best Doctors can provide you with a free, confidential expert second opinion so you can be more confident you’re getting the right diagnosis and the right treatment.

When you or your family member is facing a health issue, it’s difficult to know exactly whatto do—especially if you get conflicting advice from different specialists. You need the rightanswers to tough questions such as:

Am I getting the right treatment? Is surgery really my best option?

For more information call 1-866-797-8021.

DID YOU KNOW?Best Doctors Case Findings

38%of surgeries avoided

22%change in diagnosis

61%change intreatment



Other Services - continued

Alternative Care

Chiropractic Not Covered Not Covered

Other

Noncustodial home health care Not Covered Not Covered

Durable medical equipment Not Covered Not Covered




Your Critical Illness BenefitAmount Options• $5,000 • $10,000 • $20,000 • $30,000

To view your rates, select the Critical IllnessProtection Plan during your enrollment session andenter your information (for example, tobacco-userstatus and number of dependents covered).

Visit http://www.allstateatwork.com/homedepotto learn more about the Critical Illness Protection Plan.

The Critical Illness Plan

• The Critical Illness Plan pays a lump-sum benefit for

specific conditions, such as heart attack, stroke,

cancer, transplant, Alzheimer’s disease and

paralysis and benefits for eligible travel and

lodging expenses. See the chart below for a

complete list of covered conditions. The plan is

administered by Allstate Benefits.

• The plan also pays an annual benefit of $75 for well-ness services. In some cases, that $75 could coverthe cost of your Critical Illness Protection Plancoverage.

• Critical Illness Protection Plan benefits arepayable only for conditions diagnosed after yourcoverage under the plan begins.

Critical Illness Protection Plan Coverage

Plan pays 100% of benefit amount for: Plan pays 25% of benefit amount for:

Plan pays up to $75 per calendar year for each covered person for one of the following eligible wellness services:

• Heart attack• Stroke• Invasive cancer• Heart transplant• Lung transplant• Liver transplant• Pancreas transplant• Kidney transplant• Bone marrow transplant• End stage renal failure• Paralysis• Complete blindness

• Complete loss of hearing• Coma• Benign brain tumor• Alzheimer’s Disease

A covered person can receive benefits for each of the above critical illnesses if the datesof diagnosis for each criti-cal illness are separated byat least 90 days.

• Coronary artery bypasssurgery

• Carcinoma in situ• Amyotrophic lateral scle-

rosis (Lou Gherig’s dis-ease)

• Adrenal hypofunction (Addison’s disease)

• Bone marrow donor• Cerebral palsy• Cystic fibrosis• Hemophilia• Huntington’s chorea

• Meningitis• Multiple sclerosis• Muscular dystrophy• Myasthenia gravis• Necrotizing fasciitis• Osteomyelitis• Scleroderma• Sickle cell anemia• Systemic lupus• Tuberculosis

• Pre Biopsy test for skincancer

• Biopsy for skin cancer• Oral cancer screening• Blood test for triglyc-

erides• Bone marrow testing• Colonoscopy• Echocardiogram• Eletrocardiogram (EKG,

including stress EKG)• Flexible sigmoidoscopy• Hemocult stool analysis• Lipid panel (total choles-

terol count)• Mammography, including

breast ultrasound

• Pap Smear, includingThinPrep Pap Test

• PSA (prostate specificantigen—blood test for prostate cancer)

• Serum ProteinElectrophoresis (test for myeloma)

• Stress test on bike or treadmill

• Annual physical examination (only for covered persons over18 years of age)

• Immunizations

Transportation Benefit Actual cost, up to $1,500, for round trip coach fare on a common carrier; or $.50 per mile for personal vehicle travel, up to $1,500, to a facility if morethan 100 miles from place of residence.

Lodging Benefit $60 per day up to 60 days if facility is more than 100 miles from residence. Only applies to lodging occurring within 24 hours of, and including days of treatment.

Reoccurrence Benefit A benefit of 100% of the previously paid amount will be paid if a covered person is diagnosed for a second time with a heart attack, stroke, coro-nary artery bypass surgery, transplant, invasive cancer or carcinoma in situ. The second date of diagnosis must be more than 12 months after thefirst date of diagnosis for the critical illness, and for the cancer critical illness benefits, the covered person must have had no symptoms nor receivedany treatment during the 12 months after the prior occurrence.

Critical Illness Protection Plan Summary of Benefits



Your Dental Plan Options• MetLife $500 Max

• MetLife $1,000 Max

• MetLife $2,000 Max

How to Get the Dental Services You Need at a Lower Cost• Get a MetLife PDP Network dentist and pay less for den-tal services. You can use any dentist; however, youwill pay less if you use a MetLife network dentistbecause PDP network negotiated fees typicallyrange from 15% to 45% less than average fees forthe same or similar services charged by dentists inyour area. To find a MetLife network dentist nearyou, go to www.metlife.com/dental, under Finda Dentist choose the Dental PPO and enter yourZIP code.

• Get free dental preventive care! Two dental cleaningsand checkups each calendar year are free if youuse a dentist in the MetLife PDP (PreferredDentist Program) network—you don’t have tomeet the deductible for covered preventive carebenefits to begin. Preventive care is subject to your option’s maximum annual benefit.

• Get discounts on cosmetic dentistry and other uncov-ered dental services. You’ll receive the MetLife PDPdentist negotiated rate on cosmetic proceduresand other services not covered by the dentaloptions when you use a PDP dentist. You alsowill continue to receive the negotiated rate afteryou have reached your annual maximum benefit.

Dental Coverage

Service

MetLife $500 MaxMetLife network and non-network dentists

MetLife $1,000 MaxMetLife network and non-network dentists

MetLife $2,000 MaxMetLife network and non-network dentists

Annual Deductible (individual/family per calendar year) $25/$75 $50/$150 $50/$150

Annual Maximum Benefit1

(per covered individual per calendar year) $500 $1,000 $2,000

Preventive and Diagnostic Care (deductible does not apply) Covered at 100%2 Covered at 100%2 Covered at 100%2

Basic Restorative Care (fillings, root canals) You pay 30%2 You pay 25%2 You pay 20%2

Major Restorative Care (bridges, dentures, crowns) No coverage You pay 60%2 You pay 50%2

Orthodontia No coverage50%2 up to $750 lifetime maximum per covered

dependent child

50%2 up to $1,500 lifetime maximum per covered

dependent child

1 All preventive/diagnostic and basic and restorative dental benefits are subject to the annual maximum benefit.2 Plan pays this percentage of the reasonable and customary (R&C) charge if you use a non-MetLife dentist.

Dental Plan Coverage




Special Rules for Orthodontia BenefitsPlease note that the lifetime maximum orthodontiabenefit that will apply is based on the option inwhich the covered dependent is enrolled whenorthodontia services began. The maximum ortho-dontia benefit will not change throughout thatdependent’s orthodontia treatment regardless of the option chosen in subsequent years.

For example, if you are enrolled in the $500 Maxoption when orthodontia treatment begins, no ortho-dontia benefits are paid for any orthodontia treat-ment even if a benefit plan is chosen in subsequentyears that covers orthodontia treatment. If you areenrolled in the $1,000 Max option when the ortho-dontia treatment begins, the $750 lifetime maximumbenefit will apply throughout the orthodontia treat-ment regardless of whether you enroll in the $2,000Max option or $500 Max option in subsequent years.

Choose the Right Dental Plan for Your SituationHow will you use the dental plan in 2013? Readeach situation like yours and look at the QuickComparison of Dental Plan Costs to determinewhich plan will meet your needs next year.

“My dental expenses in 2012 exceeded myoption’s annual maximum benefit.”It’s a good idea to talk with your dentist about yourpotential dental needs in 2013. If it looks like youneed a expensive dental work next year, considerchoosing an option with a higher annual maximumbenefit. For example, the difference between thecost of associate-only coverage in the MetLife$1,000 Max and the MetLife $2,000 Max options isabout $80 a year but you get an additional $1,000 in benefits in the $2,000 Max option.

“I generally have only dental checkups and anoccasional cavity.”If you generally need only basic dental services,why pay for more comprehensive coverage? TheMetLife $500 Max option pays 100% of the cost ofcheckups and also covers restorative dental servic-es at 70%. While it does not cover major servicesand orthodontia, it is the least expensive dentalplan—only $6.16 per biweekly paycheck—half thecost of the MetLife $1,000 Max option.

These examples assume associate-only coverage,that no part of your deductible has been met andthat network providers and facilities are used. This isa representative example only and may not reflecthow your particular claim will be processed.

Quick Comparison—Dental Plan Costs

MetLife $500 Max

MetLife $1,000Max

MetLife $2,000Max

Annual MaximumBenefit (per covered individual)

$500 $1,000 $2,000

Associate-only Cost Per Year

$160.16 $333.84 $413.66

AverageCost 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.

Teeth Cleaning—All Dental Options

Quick Comparison—the Dental OptionsMetLife $500 Max MetLife $1,000 Max MetLife $2,000 Max

Covers Preventive Care 100%* 100%* 100%*

Covers Restorative Care (fillings, oral surgery, root canals, periodontics) 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%*

Per-biweekly Paycheck Payroll Deduction—Associate-only Coverage $6.16 $12.84 $15.91

* 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.



These examples assume associate-only coverage,that no part of your deductible has been met andthat network providers and facilities are used. Thisis a representative example only and may not reflecthow your particular claim will be processed.

“I have talked to my dentist about my dentalneeds in 2013 and I will have to have a crown.My spouse also generally needs a root canal orother dental work every year.”Both the MetLife $1,000 Max and MetLife $2,000Max options cover major services. However, theMetLife $2,000 Max option has higher coverage formost services and a higher payroll deduction—itcosts $31.82 for associate + spouse per biweeklypaycheck—while the MetLife $1,000 Max has lowercoverage and a lower cost—$25.67 for associate +spouse per biweekly paycheck. The option youchoose depends on the cost of the dental servicesneeded and the amount you want to pay for dentalcoverage. Consider participating in the Health CareSpending Account and using tax-free dollars to payfor your portion of your dental expenses. Also con-sider using a MetLife participating dentist and pay adiscounted cost for services.


“My child will be getting braces in 2013.”Both the MetLife $1,000 Max and MetLife $2,000Max options cover orthodontia—the MetLife $2,000Max option provides the highest maximum ortho-dontia benefit of $1,500. The MetLife $1,000 Maxoption pays up to $750 for orthodontia, but has alower price tag than the MetLife $2,000 Max option.

Note that the lifetime maximum orthodontia benefitthat will apply is based on the option in which thecovered dependent is enrolled when orthodontiaservices began. It’s important to review the orthodon-tia benefit rules before you choose a dental option.

Filling—MetLife $500 MaxCost of a Filling

You Pay ($25 deductible plus 30% of the cost)

MetLifePDP Dentist: $70

$25 deductible plus 30% of $45 ($70 -$25 deductible) $25 + $13.50 = $38.50

Out-of-Network Dentist:$129

$25 deductible plus 30% of $104 ($129 - $25 deductible = $104)*

$25 + $31.20 = $56.20

*Allowable fees are based on the Reasonable & Customaryallowance— please see Benefits for Out-of-Network Servicesin the Dental Chapter of the Benefits Summary.

Root Canal—MetLife $1,000 MaxCost of a Root Canal


MetLife PDP Dentist: $700

$50 deductible plus 25% of $650($700 - $50 deductible)

$50 + $162.50 = $212.50

Out-of-Network Dentist:$1,145

$50 deductible plus 25% of $1,095 ($1145 - $50 deductible = $1,095)*

$50 + $273.75 = $323.75


Crown—MetLife $2,000 MaxCost of aCrown


MetLife PDP Dentist: $750

$50 deductible plus 50% of $700($750 - $50 deductible)

$50 + $350 = $400

Out-of-Network Dentist:$1,127

$50 deductible plus 50% of $1,077 ($1,127 - $50 deductible = $1,077)*

$50 + $538.50 = $588.50





Vision CoverageYour Vision Plan Options• EyeMed Select $120

• EyeMed Select $150

You’ll find a summary of the 2013 Vision PlanCoverage on the following page.

How to Get the Vision Services You Need at a Lower Cost• Get an EyeMed Select network provider and pay less for eyeglasses and contact lenses! For a list ofEyeMed Select network providers, go to livetheo-rangelife.com , click General Information,choose US Virgin Islands Associates, then Finda Provider.

• Get free eye exams! Eye exams are free when youuse EyeMed Select network providers. Eye examsare important for all ages because this exam notonly detects vision correction needs but also canreveal the signs of other health conditions, includ-ing diabetes and high blood pressure.

• Get discounts on laser vision correction. EyeMedoffers vision plan participants a laser vision correction discount of 5% off any promotionalprice or 15% off the retail price for treatmentsperformed through the U.S. Laser Network.

• 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.

Quick Comparison—the Vision OptionsEyeMed Select $120 EyeMed Select $150

Disposable Contact Lenses Plan pays first $120, then you pay balance over $120 Plan pays first $150, then you pay balance over $150

FramesPlan 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

Lens Options Coverage Some covered, others available at a discount Covered in full

Per-biweekly Paycheck PayrollDeduction—Associate-only Coverage

$2.08 $6.79



The EyeMed Select Vision OptionsEyeMed Select $120 EyeMed Select $150

EyeMed Select Providers:You Pay

Non-EyeMed Select Providers:Your Reimbursement After

You Submit ClaimEyeMed Select Providers:

You Pay

Non-EyeMed Select Providers:Your Reimbursement After

You Submit Claim

Exam (once every 12 months) $0 copay Up to $40 $0 copay Up to $40

Eyeglasses (frames and lenses)

Frames Plan pays first $120 then you pay 80%of balance over $120—frame benefit

available once every 24 months

Up to $45 —available once every 24 months

Plan pays first $150 then you pay 80%of balance over $150—frame benefit

available once every 12 months

Up to $53—available once every 12 months

Standard Plastic Lenses

Single vision $15 copay Up to $35 $0 copay for all Up to $35

Bifocal Up to $55 Up to $55

Trifocal Up to $75 Up to $75

Lenticular Up to $75 Up to $75

Standard progressive (once every 12 months) $80 Up to $55 Up to $84

Premium progressive (once every 12 months) fixed pricing list Up to $55 Up to $140

Specialty Lens Options

UV Coating $0 copay Up to $11 $0 copay for all Up to $11

Tint (Solid and Gradient) $0 copay Up to $11 Up to $11

Standard scratch-resistance $0 copay Up to $11 Up to $11

Standard polycarbonate $40 ($0 copay for dependents under age 19)

N/A for adults (Up to $28 for dependents under age 19)

Up to $28

Standard anti-reflective coating $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

Contact Lens Fit and Follow-up (once comprehensive eye exam has been completed)

Standard (examples include conventional,disposable, frequent replacement)

$0 fit and two follow-up visits Up to $40 $0 fit and two follow-up visits Up to $40

Premium (examples include toric,multifocal)

You get 10% off retail price, Planpays first $40, then you pay 100% of balance over $40

Up to $40 You get 10% off retail price, then youpay 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 pay85% of balance over $120

Up to $96 Plan pays first $150, then you pay85% of balance over $150

Up to $120

Disposable Plan pays first $120, then you pay100% of balance over $120

Up to $96 Plan pays first $150, then you paybalance over $150

Up to $120

Medically necessary $0 copay Up to $200 $0 copay Up to $210




Choose the Right Vision Plan for Your SituationHow will you use the vision plan in 2013? Read each situation like yours and look at the QuickComparison 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. Bothplans cover eye exams at 100% when you use anEyeMed Select network provider. So if an eye examis your main use of the plan, consider the EyeMedSelect $120 option, which is less than half the cost ofthe EyeMed Select $150 option.

Here is an example of how the plan pays benefitsfor an eye exam.

“My spouse and I wear glasses and both of mychildren wear contact lenses.”When your eye care needs are high, consider theEyeMed Select $150 plan which offers the highestlevel of coverage. For example, under this option, youpay no copay for eyeglass lenses and eyeglass lensoptions are covered in full. The EyeMed Select $120plan provides lower benefits but has a lower payrolldeduction. See the chart on the next page for anexample of how the plan pays benefits for eyeglassesand contact lenses.


“I get an eye exam every year, but I don’t getnew glasses every year.”Both plans cover eye exams at 100% when you usean EyeMed Select network provider. The EyeMedSelect $120 plan provides benefits for frames onceevery 24 months and has a lower payroll deduction.See the chart below for an example of how the planpays benefits for eyeglasses.

Eye Exam—Both OptionsAverage Cost of an Eye Exam You Pay

$95 $0

Contact Lenses—Both OptionsAverage Cost of Eye Exam,

Contact Lens Fit and Follow-upand Acuvue 2 Contact Lenses

EyeMed Select $120 EyeMed Select $150

Eye Exam: $95 You pay $0 You pay $0

Fit and Follow-up: $71Premium Fit and Follow-up: $120

8 Boxes Acuvue 2 ContactLenses: $160

Fit and Follow-up: $0Premium Fit and Follow-up: $68 (You get 10% off retail, then you

pay the balance over the plan’s $40allowance) 10% of $120=$12;

$120-$12=$108-$40=$68

Contact Lenses: $40(plan pays first $120, then you pay

balance over $120) $160-$120=$40

Fit and Follow-up: $0Premium Fit and Follow-up: $68(You get 10% off retail, then youpay the balance over the plan’s

$40 allowance) 10% of $120=$12;$120-$12=$108-$40=$68

Contact Lenses: $10(plan pays first $150, then you pay

balance over $150) $160-$150=$10

$446($95+$71+$120+$160)

You pay $108($68+$40)

You pay $78($68+$10)

Eyeglasses—Both OptionsAverage 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 StandardPolycarbonate Lenses for an

Adult Option)

Total Lens Cost: $165Standard Progressive lens: $80; Anti-Reflective lens option: $45;Polycarbonate lens option: $40

Total Lens Cost: $0Standard Progressive lens: $0; Anti-Reflective 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 $213($0+$180+$48)

You pay $24($0+$0+$24)



Disability Enrollment Reminders!• You can enroll in disability coverage any time by

calling The Benefits Choice Center, but not morethan once during a 12-month period or if youexperience a family status change.

Disability Coverage for Part-Time Hourly Associates

Disability benefit • 50% of your covered weekly base pay (up to $125 per week) for an approved disability

• Benefits are reduced by other income you receive (such asSocial Security and Workers’ Compensation) while you are disabled.

When benefits are payable • After an illness or injury has kept you unable to work for 14 consecutive calendar days

How long benefits are payable • Benefits continue for an approved period of disability up to 26weeks (your 14-day elimination period plus your 24 weeks of coverage)

Term Life Insurance Enrollment Reminders!• Make sure your beneficiary designations are cur-

rent! Check and/or change your beneficiary des-ignations online during your enrollment session.When you reach the “Enroll in Your Benefits”page during your enrollment session, you’ll see alink “Choose a Beneficiary.”

• You can enroll in life insurance during AnnualEnrollment or if you experience a qualified statuschange.

Term Life Insurance for Part-timeHourly Associates and Their FamiliesAssociate Coverage • $20,000 coverage amount

• If your death is the result of an accident, your beneficiary willreceive an additional $20,000

Spouse or Same-Sex DomesticPartner Coverage

• $2,500 coverage amount

Child Coverage • $2,500 coverage amount for each eligible child age sixmonths and older

• $500 coverage amount for a child under six months




You can enroll in the FutureBuilder 401(k) Plan atany time. Before-tax and/or Roth after tax contribu-tions to your FutureBuilder account will begin afteryou complete 90 days of service.

It’s easy to enroll in FutureBuilder or make changesto your contributions or investments during yourenrollment session!

Did You Know?Automatic escalation of your FutureBuilder contribu-tion percentage is available! You can choose tohave your contribution percentage automaticallyincreased by 1% each year up to a maximum targetrate of 10% through the Quick Enrollment Process,or you can choose your own automatic contributionpercentage increase and target maximum rate (up to50%). You can enroll in automatic escalation duringyour annual enrollment session!

How FutureBuilder Helps You Save for Retirement• Matching Home Depot contributions—once you have

completed one year of service (at least 1,000hours 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’llreceive 50¢ for every dollar you save from thenext 2% to 5% of your pay.

• A variety of investment approaches—you can let theprofessionals invest your account by choosing aLifePath Portfolio or make your own investmentdecisions among the plan’s core funds or throughthe self-directed brokerage window.

• Professional investment advice—if you would likeprofessional advice on how much to save throughFutureBuilder and how to invest your savings inthe plan, consider using Financial EnginesInvestment Advice. Financial Engines is an independent investment advisor that providesunbiased advice to FutureBuilder 401(k) Plan participants. Log on to Your Benefits Resourcesfrom livetheorangelife.com and click on theSavings & Retirement menu and then InvestmentAdvice to access this valuable service.

• A lower tax bill—you lower your tax bill today by making before-tax contributions toFutureBuilder. You pay no taxes on your contri-butions, the company matching contributions or your investment earnings until you take themoney out of the plan.

It’s important to thoroughly review the FutureBuilderchapter in the Benefits Summary for complete infor-mation about how the plan works.

Ayco’s Money in MotionProgramAssociates will have access to financial educationand counseling at a highly discounted rate. To learn more about or enroll in this program, visitlivetheorangelife.com and choose FinancialWellness > Manage > Ayco Money In MotionProgram.

FutureBuilder



Comparison of Traditional Before-tax 401(k) Contributions and Roth After-tax 401(k) ContributionsTraditional 401(k) Contributions Roth 401(k) Contributions

How are your contributions deductedfrom your pay?

Contributions are deducted from before-tax pay Contributions are deducted from after-tax pay. They aresubject to income tax withholding and are calculatedbased off of eligible compensation.

How do your contributions affect your current taxes?

Current taxable income is reduced so your current tax bill is lower

Current taxable income is not reduced so there is noeffect on your current tax bill

Do contributions count toward the 2013annual contribution limit of $17,500?

Yes Yes

Are contributions eligible for Companymatching contributions?

Yes, up to FutureBuilder limits (up to 3.5% on your first5% of pay)

Yes, up to FutureBuilder limits (up to 3.5% on your first5% of pay)

Are contributions available for loans andhardship withdrawals?

Yes Yes

When will you pay taxes on your contributions?

Income taxes are paid on your contributions when youreceive a distribution, unless your distribution is rolledover into an IRA or another qualified employer-spon-sored plan

You have already paid taxes on your contributions, sono taxes are due if you receive a qualified distribution(Note: Does not apply to Company-matching contribu-tions)

When will you pay taxes on your investment earnings?

Income taxes are paid on investment earnings whenyou receive a distribution, unless your distribution isrolled over into an IRA or another qualified employer-sponsored plan

No taxes are due on earnings from your Roth after-taxcontributions if the withdrawal is a qualified distribution orif your distribution is rolled over into an IRA or anotherqualified employer-sponsored plan. Earnings on before-taxCompany matching contributions will be taxed since thosecontributions have not yet been taxed.




The Employee Stock Purchase PlanYou have two opportunities to enroll in the ESPPeach year—before each ESPP “Plan” deadline—December 17 for the January 1, 2013 plan and June16 for the July 1, 2013 plan. You can enroll on YourBenefits Resources by selecting Savings &Retirement and clicking the ESPP tab.

Become a Home DepotStockholder at a DiscountThrough the Employee StockPurchase Program• Get Home Depot Stock at a discount! The Employee

Stock Purchase Plan gives you a unique opportu-nity to invest in ownership of the Company at aspecial associate price. Through the plan, youcan purchase shares of Home Depot stock at a15% discount.

• Buy stock through convenient payroll deductions! Whenyou enroll, you’ll indicate the percentage of yourpay you want to invest in the ESPP through payrolldeduction, up to a maximum of 20% of your eligi-ble earnings or $21,250. On the last day of eachplan, Home Depot stock will be purchased for you.The price of the stock is 15% off the closing stockmarket price on the last day of the plan.

MetLaw Enrollment Reminders!• Enrollment in MetLaw is available only during AnnualEnrollment.

• If you are currently enrolled in MetLaw, you do not haveto reenroll during Annual Enrollment—you will keepyour coverage for 2013 unless you make a change.

To get more information about MetLaw (includingprice quotes) and to enroll, go to the MetLife web-site—you’ll find a link to this website on the YourBenefits Resources website: Click Health &Insurance…> click Health and InsuranceSummary—the link is under Take Charge of Your Health > click Voluntary Benefits.

MetLawThe MetLaw network of over 9,000 experiencedparticipating attorneys can help you prepare a willand deal with debt issues, identity theft, family lawand real estate and traffic matters. Covered servicesare paid in full when you use an in-network attorney. You also can use an out-of-network attorney and bereimbursed based on a set fee schedule. When youenroll in MetLaw, your spouse or eligible domesticpartner and your eligible children are covered.

MetLaw Legal Services



When You Enroll—Don’t Miss Your Enrollment Period!Your enrollment period is November 19 toNovember 30!

Enrollment Reminder!To enroll, visit the Your Benefits Resources websiteat http://resources.hewitt.com/homedepot.

I Want to Enroll Now!To enroll, visit the Your Benefits Resources websiteat http://resources.hewitt.com/homedepot.

Call the Benefits Choice Center at 1-800-555-4954and speak with a representative. Keep in mind thatyou may experience long wait times to speak with arepresentative during the annual enrollment period!

Are You a New User?Log on to http://resources.hewitt.com/homedepot.Click Register as a New User. You will need toprovide the last four digits of your Social Securitynumber and your date of birth. Then you will beprompted to set up a new User ID and password.You also will answer five security questions.

3

2

1

Have Your User ID and Password Ready BeforeEnrollment!

1. Log on to http://resources.hewitt.com/homedepot.2. Enter your user ID and Password3. Click Log On

Forgot Your User ID or Password?1. Click I Forgot My User ID or I Forgot My Password2. To get your User ID, enter the last 4 digits of your

Social Security Number and your birth date3. 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

3

How to Enroll




Benefits Contact ListPhone Number Internet Address

General Assistance

Benefits Choice Center: Benefits questions & enrollment 1-800-555-4954 Your Benefits Resources™ from www.livetheorangelife.com

HR Services:HR/Pay questions 1-866-myTHDHR (1-866-698-4347) www.myTHDHR.com

USVI Part-Time Hourly/Salaried Medical Plan Provider

Triple-S 1-787-774-6060 or toll-free at 1-800-981-3241 www.ssspr.com

Critical Illness Protection Plan Provider

Allstate 1-866-828-8766 www.allstateatwork.com/homedepot

Dental Plan Provider

Metlife 1-800-638-9909 www.metlife.com or go to Your Benefits Resources™ for single sign-on

Vision Care Plan Provider

EyeMed Vision Care 1-888-203-7447 www.eyemedvisioncare.com

To Learn About...

Associate Discounts Your Benefits Resources™ from www.livetheorangelife.com

CARE/Solutions for Life 1-800-553-3504 www.caresolutionsforlife.com

Best Doctors 1-866-797-8021 www.livetheorangelife.com

Back-up Dependent Care Program—Bright Horizons 1-877-543-2822 http://backup.brighthorizons.com

Financial Engines Investment Advice 1-800-601-5957 www.livetheorangelife.com

Ayco’s Money in Motion Program 1-800-437-6383 From livetheorangelife.com choose Financial Wellness > Manage > AycoMoney In Motion Program

CareerDepot http://careers.homedepot.com/career-depot.html

ESPP (Employee Stock Purchase Plan) 1-800-843-2150 www-us.computershare.com/employee; To enroll: Your Benefits Resources™ from www.livetheorangelife.com

Foot Orthotics Discount Program 1-877-442-6437 http://hanger.com/patientcarecenters

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

Quit for Life (Quit Tobacco Program) 1-866-784-8454

Teladoc 1-800-Teladoc (1-800-835-2362) www.teladoc.com

USVI Part-time Hourly Life Insurance and Disability

Aetna SRC 1-800-508-4015 Your Benefits Resources™ from www.livetheorangelife.com



2013 Payroll Deductions2013 Health Care Plan Eligibility and Bi-Weekly Payroll Deductions

Associate -Only

Associate +Spouse

Associate +Child(ren)

Associate +Family

MEDICAL PLAN OPTIONS

Triple-S Esssencial $23.40 n/a n/a n/a

DENTAL PLAN OPTIONS

MetLife $500 Annual Maximum $6.16 $12.31 $12.46 $18.70

MetLife $1,000 Annual Maximum $12.84 $25.67 $25.98 $38.98

MetLife $2,000 Annual Maximum $15.91 $31.82 $32.22 $48.32

VISION PLAN OPTIONS

EyeMed Select $120 $2.08 $3.64 $3.78 $6.32

EyeMed Select $150 $6.79 $12.14 $12.72 $19.98

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.

This information offers only a brief overview of the benefitplans. By enrolling in or making changes to your benefits(including such actions as, but not limited to: adding depend-ents, verifying a child’s full-time student status), you areresponsible for providing truthful and accurate information.Providing false information may result in disciplinary action asoutlined in the Company’s code of conduct.

The Benefits Summary is the definitive guide to benefits atThe Home Depot. The benefits information in this AnnualEnrollment Guide is provided as a service to associates. Adescription of the benefit provisions, conditions and limita-tions will be included in the current Benefits Summary, whichis provided annually to all associates. Plans having these pro-grams and features also have exclusions, limitations, reduc-tions of benefits and terms under which the plans and poli-cies may be continued in force or discontinued. In the eventof a conflict between this guide and the plan documents orpolicies, the plan documents or policies will govern. TheCompany has the right to amend or terminate these benefitsat any time.

Confidential and Proprietary

This is an unpublished work containing confidential and proprietary information of The Home Depot. All rights reserved.

VIRGIN ISLANDS PART-TIME HOURLY ASSOCIATESUSVI PT GUIDE 2013

© 2013 Homer TLC, Inc. All rights reserved. Your Benefits Resources is a trademark of Hewitt Management Company LLC.

Documents

USVI Part-time Hourly Annual Enrollment Guide - Home Depot Live