Associate Benefits Book

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1 Your 2008 Associate Benefits Book Summary Plan Description Effective January 1, 2008 Summary Plan Description Effective January 1, 2008 WHAT S INSIDE... Medical Plan Pharmacy Benefit Dental Plan Life Insurance and Disability Plans Associate Stock Purchase Plan Wal-Mart Profit Sharing and 401(k) Plan...AND MUCH MORE.

2 2008 Associate Benefits Book Table of Contents Information Made Easy Your 2008 Associate Benefits Book makes it easy for you to quickly get the information you need about your Wal-Mart benefits. Got a question about your Wal-Mart benefits? When you download the 2008 Associate Benefits Book PDF from walmartbenefits.com or the WIRE, getting the answer is as easy as two clicks and a word search. To find the information you need, simply launch the PDF with Adobe Reader and: Click edit on the top tool bar Click search Type the words or phrase that describe the information you're looking for, such as vaccinations or vesting, and click search. You'll get instant results! Table of Contents Eligibility and Enrollment Claims and Appeals Legal Information The Medical Plan Eligibility and Benefits for Associates in Hawaii Health Savings Account The Pharmacy Benefit The Dental Plan COBRA Resources for Living Cancer Insurance Policy Accident Insurance Policy Company-Paid Life Insurance Optional Life Insurance Dependent Life Insurance Accidental Death and Dismemberment Insurance Short-Term Disability Short-Term Disability Plus Long-Term Disability Truck Driver Long-Term Disability Business Travel Accident Insurance The Associate Stock Purchase Plan The Profit Sharing and 401(k) Plan Your Associate Discounts Your Pay Programs Your Paid Time-Off Glossary of Terms

3 your 2008 Associate Benefits Book This 2008 Associate Benefits Book includes the Summary Plan Descriptions (SPDs) for the Associates Health and Welfare Plan and the Wal-Mart Profit Sharing and 401(k) Plan. Please take time to review each SPD to completely understand your benefits. Information obtained during calls to Wal-Mart Stores, Inc. or to any Plan service provider does not waive any provision or limitation of the Plan. Information given or statements made on a call or in an do not guarantee payment of benefits. In addition, benefits quotes that are given by phone are based wholly on the information supplied at the time. If additional relevant information is discovered, it may affect payment of your claim. All benefits are subject to eligibility, payment of premiums, limitations, and all exclusions outlined in the applicable plan documents including any insurance policies.you can request a copy of the documents governing these plans by writing to: Custodian of Records, Wal-Mart Benefits Department, 922 West Walnut, Ste. A, Rogers, AR Atención Asociados Hispanos: Este folleto contiene un resumen en inglés de los derechos y beneficios para todos los asociados bajo el plan de beneficios de Wal-Mart. Si Ud tiene dificultades para entender cualquier parte de este folleto puede dirigirse a la siguiente dirección: Benefits Customer Service, Wal-Mart Benefits Department, 922 West Walnut, Ste. A, Rogers, AR o puede llamar para cualquier pregunta al (800) , disponible 24 horas al día, los 7 días de la semana. Tenemos asociados quienes hablan Español y pueden ayudarles a Ud comprender sus beneficios de Wal-Mart. El Libro de beneficios para asociados esta disponible en Español. Si usted desea una copia en Español, favor de ver su Representante de Personal.

4 Eligibility and Enrollment Where Can I Find? The Associates Health and Welfare Plan Associate Eligibility Dependent Eligibility Dependents Who Are Not Eligible Legal Documentation for Dependent Coverage When Your Dependent Becomes Ineligible When You Enroll for Benefits When Coverage is Effective Paying for Your Benefits Benefit Continuation If You Go On a Leave of Absence Changing Your Benefits During the Year: Status Change Events Making Status Change Event Changes If Your Job Classification Changes Qualified Medical Child Support Orders (QMCSO) When Your AHWP Coverage Ends If you have Medicare or will become eligible for Medicare in the next 12 months, you have more choices for your prescription drug coverage. See the Legal Information chapter for more details.

5 2008 Wal-Mart Associate Benefits Book Eligibility and Enrollment Eligibility and Enrollment Resources Find What You Need Online Other Resources Enroll in Wal-Mart Benefits the WIRE from work or walmartbenefits.com from home If you have questions, call the Benefits Department at (800) Notify the Benefits Department within 60 days of your dependent losing eligibility within 60 days of a Status Change Event Visit Ask Betty on the WIRE from work. Click on the Life tab. Go to More under Resources. Click on Ask Betty in Benefits and follow the instructions. Or walmartbenefits.com from home.the icon is on the main page of walmartbenefits.com. Call the Benefits Department at (800) Notify the Benefits Department if the payroll deductions for your benefits are incorrect Reinstate coverage upon your return from a Military Leave Pay premiums for benefits while on a Leave of Absence See below for Starbridge, Accident Insurance Policy, and Cancer Insurance Policy premium payment information Pay premiums for Starbridge while on a Leave of Absence Pay premiums for your Cancer and/or Accident policy while on a Leave of Absence Send check or money order payable to the Wal-Mart Stores, Inc. Associates' Health and Welfare Trust to: Wal-Mart Benefits Department 3001 P.O. Box 1039 Lowell, AR Please be sure to include your name, Benefits ID number, and facility number on the payment to ensure proper credit. Payments for Starbridge should be sent to: CIGNA HealthCare Attn: Accounting 2222 W. Dunlap Ave., Suite 350 Phoenix, AZ Payments for Aflac should be sent to: Aflac Attn: PHS 1932 Wynnton Road Columbus, GA Call the Benefits Department at (800) Call the Benefits Department at (800) You may also pay by credit card by calling (800) and selecting the credit card payment option. Eligibility and Enrollment What You Need to Know About Eligibility and Enrollment You enroll during your Initial Enrollment Period as a newly hired associate and during the Annual Enrollment Period and when you have a Status Change Event. When your Initial Enrollment Period starts depends on your job classification and changes if your job classification changes. If you are an associate in Hawaii, your eligibility and benefits information is explained in Eligibility and Benefits for Associates in Hawaii. It s important to read this chapter and understand when you need to enroll and how enrollment in certain benefits (such as life insurance and disability benefits) after your Initial Enrollment Period affects your participation in that benefit. Medical, Dental, AD&D, and the Cancer and Accident Insurance Policy coverage cannot be changed except during the Annual Enrollment period unless you have a Status Change Event. Visit Ask Betty from the WIRE at work or call the Benefits Department at (800)

6 The Associates Health and Welfare Plan The Associates Health and Welfare Plan (AHWP) is a single, comprehensive employee benefit plan that offers Medical, Dental, Cancer Insurance Policy, Accident Insurance Policy, Accidental Death and Dismemberment (AD&D), Business Travel Accident, Life Insurance, Disability, and Resources for Living (employee assistance and wellness) coverage to eligible associates.the eligibility for these benefits is described in this section, and the terms and conditions for these benefits are described in the applicable chapter of this 2008 Associate Benefits Book. The AHWP is sponsored by Wal-Mart Stores, Inc., and governed under the Employee Retirement Income Security Act of 1974 as amended (ERISA). If you are an associate in Hawaii, your eligibility and benefits information is explained in Eligibility and Benefits for Associates in Hawaii. Associate Eligibility The benefits you are eligible for depend on your classification in the Company s (Wal-Mart Stores, Inc. and its participating subsidiaries) payroll system. See the chart, Eligibility, Enrollment and Effective Dates by Job Status, later in this chapter for a list of the benefits you are eligible for and your benefits eligibility waiting period based on your job status. If you are an associate in Hawaii, your eligibility and benefits information is explained in Eligibility and Benefits for Associates in Hawaii. About Full-Time Associate Status In order to be classified as Full-Time in the Company s payroll system, an associate must regularly work at least 34 hours per week (or 28 hours per week if classified as Full-Time or management prior to and consistently since January 1, 2002, or 20 hours per week if classified as Full- Time or management prior to and consistently since September 1, 1979). When an associate transitions from Full-Time to Peak-Time after January 1, 2002, the 28-hour eligibility guideline listed above no longer applies. In the event the associate transitions back to Full-Time, the associate will be required to work at least 34 hours per week. Full-Time hourly Field Logistics Associates and Full- Time hourly Pharmacists who are classified as Full-Time in the Company s payroll system are exempt from the 34-hours-per-week rule. Salaried Status As determined by the Company, hourly associates or associates in some positions may qualify for the same benefits as management associates if: The job description of the hourly associate is substantially the same as a management associate of Wal-Mart or a participating subsidiary, and State law mandates that the position be classified as hourly. Temporary Associates Temporary associates are only eligible for Starbridge, Resources for Living, and Business Travel Accident benefits. 4 For more information, log on to walmartbenefits.com, 24/7 or

7 2008 Wal-Mart Associate Benefits Book Special Eligibility Rules for Certain Benefits The Company offers HMO options in some states.the policies for the HMO plans, as well as the insurance policies for Starbridge, Cancer Insurance Policy, Accident Insurance Policy, Dependent Life Insurance, and Accidental Death and Dismemberment Insurance may have different eligibility requirements than requirements described in this chapter.you may obtain an explanation of these differences by calling (800) The Plan will apply the eligibility requirements described in this chapter, unless you contact the Benefits Department at the number above and request that a different eligibility provision in the policy be applied to you. For example, state law may require an insurance policy to include different eligibility provisions relating to dependents, such as allowing coverage for a dependent child past age 23 or coverage for a domestic partner. Associates Who Are Not Eligible You are not eligible for the AHWP if you are later found to be a common-law employee of Wal-Mart Stores, Inc. or any participating subsidiary if you are: A leased employee; A nonresident alien (unless covered under a specific policy for expatriates or third country nationals who are employed by the Company); An independent contractor; A consultant; or Not classified as an employee of Wal-Mart Stores, Inc. or its participating subsidiaries. You are also excluded if you are a member of a collective bargaining unit whose health and welfare benefits were the subject of good faith collective bargaining. Dependent Eligibility Eligible Dependents generally are those who can be claimed on the tax return filed by your household as dependents (without regard to the dependent s income) and are limited to: Your legal spouse of the opposite gender, so long as you are not legally separated (Peak-Time associates and Part-Time Truck Drivers may not cover their spouses); Your unmarried dependent children under age 19; and Your unmarried dependent children from age 19 to their 23rd birthday if they are full-time students at an accredited school. To be eligible, your dependent children must be one of the following: Natural children; Adopted children or children placed with you for adoption; Stepchildren who can be claimed on the tax return filed by your household as dependents (without regard to the dependent s income) and who live with you in a parent-child relationship who either live with you at least 50 percent of the year, or who are full-time students age 19 to their 23rd birthday; or Grandchildren, nieces, nephews, and siblings, or other blood relatives, if you have legal custody. Peak-Time associates and Part-Time Truck Drivers may only cover their Eligible Dependent children and may not cover their spouses. Special rules may apply if you transition from Full-Time to Peak-Time. See If Your Job Classification Changes later in this chapter for more information. If a court order requires you to provide medical and/or dental coverage for Eligible Dependent children, the Plan does not require that these children qualify as dependents on the tax return filed by your household. However, the children must otherwise meet the Plan s eligibility requirements for dependent children. For more information on how the Plan handles a Qualified Medical Child Support Order (QMCSO), see Qualified Medical Child Support Orders later in this chapter. Eligibility and Enrollment Visit Ask Betty from the WIRE at work or call the Benefits Department at (800)

8 If Your Child Is Incapable of Self-Support Your child generally will be eligible for coverage as long as your coverage continues and he or she is disabled, unmarried, and dependent on you as defined by the Internal Revenue Code. If your child is not able to attend school full-time or to be gainfully employed, coverage may be continued beyond his or her 19th birthday if: The child is physically or mentally incapable of selfsupport and is covered as an Eligible Dependent under a Wal-Mart-sponsored medical or dental Plan and/or Dependent Life Insurance as of his or her 19th birthday; and The child s doctor provides written medical evidence of disability and inability to provide self support. Dependents Who Are Not Eligible Your dependent is not eligible under your coverage if he or she is: Covered by the Plan as an associate of Wal-Mart; that is, an associate may be either a covered associate or a covered dependent, but not both at the same time. (This statement does not apply to Optional and Dependent Life Insurance or AD&D coverage.) Covered by the Plan as a dependent of another associate of Wal-Mart. (This statement does not apply to Optional and Dependent Life Insurance or AD&D coverage.) Residing outside the United States, except those dependents attending college full-time outside of the United States. (This statement does not apply to Dependent Life Insurance.) An illegal immigrant. Not an Eligible Dependent as defined above. Legal Documentation for Dependent Coverage You may be required to provide legal documentation to prove the eligibility of your dependent(s). The Plan reserves the right to conduct a verification audit and require associates to provide written documentation of proof of dependent eligibility upon request. It is the associate s responsibility to provide the written documentation as requested by the Plan. If necessary documentation is not provided in the time frame requested, the Plan has the right to cancel dependent coverage until the requested documentation is received. It is the associate s responsibility to notify the Plan of any changes in their dependent(s) medical coverage information. The associate is also responsible for any medical, pharmacy, or dental charges improperly paid after their dependent(s) becomes ineligible. When Your Dependent Becomes Ineligible You should notify the Benefits Department within 60 days from the date your dependent becomes ineligible by calling (800) Your dependent then must elect COBRA continuation coverage within 60 days in order to qualify for COBRA coverage. See the COBRA chapter for more information regarding COBRA. You are responsible for any medical, pharmacy, or dental charges improperly paid after your dependent becomes ineligible. Refunds of associate contributions will be granted only if you notify the Benefits Department. Any refund will be offset by claims that have been paid. 6 For more information, log on to walmartbenefits.com, 24/7 or

9 2008 Wal-Mart Associate Benefits Book When You Enroll for Benefits Once you have completed your eligibility waiting period (if applicable, see the chart later in this chapter that applies to your job status for more information), you enroll for benefits: During your Initial Enrollment Period, which is the first time you are eligible to enroll. The timing of your Initial Enrollment Periods will vary by job status and will change if your job status changes. See the chart later in this chapter that applies to your job status for more information. Each year during the Annual Enrollment Period for all associates, usually in the fall of each year. Benefits you enroll for during the Annual Enrollment Period are effective January 1 of the next year.your deductions are adjusted to reflect the cost of coverage changes for the next year. If an end-of-year pay period covers both the old and new year, your deductions will reflect the deduction amount for the old year through December 31 and the new deduction amount for the new year, prorated for the number of days covered from January 1 until the end of the pay period. When you have a Status Change Event. A Status Change Event is an event that allows you to make changes to your coverage outside of the Annual Enrollment Period and is in accordance with federal law. See Status Change Events later in this chapter for more information. If you are an associate in Hawaii, your eligibility and benefits information is explained in Eligibility and Benefits for Associates in Hawaii. If you are eligible and do not enroll during your Initial Enrollment Period, you will not be eligible for the following benefits until the next Annual Enrollment Period unless you have a Status Change Event : Medical Dental Starbridge HMO Plans (if available) Cancer Insurance Policy Accident Insurance Policy AD&D Note that some HMOs have different eligibility requirements. See The Medical Plan chapter for more information. If you are eligible and do not enroll during your Initial Enrollment Period, you may still enroll for the following benefits during the year by going online through the WIRE or walmartbenefits.com. However, if you do not enroll during your Initial Enrollment Period your benefits may be reduced, you may have an additional waiting period, or you may be required to provide Proof of Good Health. Proof of Good Health is required for Accident Insurance Policy and Cancer Insurance Policy regardless of when you enroll. Optional Life Insurance Dependent Life Insurance Short-Term Disability Long-Term Disability Truck Driver Long-Term Disability Short-Term Disability Plus Proof of Good Health includes completing a questionnaire regarding your medical history and possibly having a medical exam.the Proof of Good Health questionnaire is made available when you enroll. Confirming Your Enrollment Once you enroll for coverage, you can view your confirmation statement on the WIRE or walmartbenefits.com. If you believe there is an error regarding what benefits you enrolled in, you should immediately contact the Benefits Department at (800) Eligibility and Enrollment Visit Ask Betty from the WIRE at work or call the Benefits Department at (800)

10 Automatic Re-Enrollment in Associates Medical Plan Options For the Associates Medical Plan, if you do not re-enroll at the next Annual Enrollment Period, you automatically will be re-enrolled in your prior year s coverage option. You will not be able to change this option once the new plan year has started (January 1st), unless you experience a Status Change Event, or until the next Annual Enrollment Period. If your prior year s coverage option is not available, you automatically will be re-enrolled in the option most similar to your prior year s coverage option. Of course, you can always change your coverage options at Annual Enrollment, including dropping coverage altogether. For the 2007 Annual Enrollment Period, most of the prior coverage options have changed. As a result, if you had coverage in 2007 and do not affirmatively change or drop this coverage at the 2007 Annual Enrollment, you automatically will be enrolled in the new coverage option listed in the chart. After Annual Enrollment ends, you will only be able to change this coverage option if you experience a Status Change Event or at next year s Annual Enrollment (2008). If you were enrolled in the Freedom Plan for 2007, you automatically will be enrolled in the same plan for If you fail to affirmatively enroll or re-enroll during Annual Enrollment, you will be treated by the Plan as if you had consented to the automatic re-enrollment described in this section, and your payroll deductions will be adjusted accordingly Default Coverage If your 2007 coverage is: You ll be defaulted into this Network for 2008 You ll be defaulted into this Value Plan for 2008 Standard Plan $350 Choice Network Health Care Credit $100 Annual Deductible $350 Out-of-Pocket Maximum $5,000 Network Saver Plan $350 Basic Network Network Performance Plan $350 Limited Network Standard Plan $500 Choice Network Health Care Credit $100 Annual Deductible $500 Out-of-Pocket Maximum $5,000 Network Saver Plan $500 Basic Network Network Performance Plan $500 Limited Network Standard Plan $1000 Choice Network Health Care Credit $100 Annual Deductible $1,000 Out-of-Pocket Maximum $5,000 Network Saver Plan $1000 Basic Network Network Performance Plan $1000 Limited Network Value Plan Basic Network Health Care Credit $250 Annual Deductible $1,000 Out-of-Pocket Maximum $5,000 Value Performance Plan Limited Network HMO is no longer available in your location Choice Network Health Care Credit $100 Annual Deductible $350 Out-of-Pocket Maximum $5,000 Freedom Plan Basic Network No deductible change from previous year Freedom Performance Plan Limited Network No deductible change from previous year 8 For more information, log on to walmartbenefits.com, 24/7 or

11 2008 Wal-Mart Associate Benefits Book When Coverage is Effective The charts on the following pages show when coverage for benefits you have enrolled in becomes effective.you must be Actively-At-Work on the day your coverage is effective for coverage to begin. However, if you are not Actively-At-Work due to a medical condition, your coverage for Medical, Dental, and Resources for Living benefits will begin whether or not you are Actively-At-Work, as long as you have reported for your first day of work. For all other benefits, if you are not Actively-At-Work for any reason other than a scheduled vacation on the effective date of your coverage, your coverage will be delayed until you return to Active Work. If you are an associate in Hawaii, your eligibility and benefits information is explained in Eligibility and Benefits for Associates in Hawaii. Active Work or Actively-At-Work For Medical, Dental, and Resources for Living coverage, Actively-At-Work or Active Work means you have reported to work for Wal-Mart, even if you then are out for medical reasons. For Company-Paid Life Insurance, Optional Life Insurance, Dependent Life Insurance, Accidental Death and Dismemberment, Business Travel Accident, Short-Term Disability, Short-Term Disability Plus, Long-Term Disability, and Truck Driver Long-Term Disability coverage, Actively-At-Work or Active Work means you are Actively-At-Work with the Company on a day that is one of your scheduled work days if you are performing, in the usual way, all of the regular duties of your job on a Full-Time basis on that day.you will be deemed to be Actively-At-Work on a day that is not one of your scheduled work days only if you were Actively-At-Work on the preceding scheduled work day. If you are on a Leave of Absence when your coverage is to become effective, the coverages listed above will be delayed until you return to Active Work. This does not apply to Medical, Dental, Resources for Living, the Cancer Insurance Policy and the Accident Insurance Policy. Eligibility and Enrollment Visit Ask Betty from the WIRE at work or call the Benefits Department at (800)

12 Effective Dates for Benefits Under the AHWP The following Enrollment, Eligibility, and Effective Dates by Job Status charts provide your coverage effective dates if you enroll during your Initial Enrollment Period. If you enroll after your Initial Enrollment Period, you may enroll during Annual Enrollment or if you experience a Status Change Event as described in Changing Your Benefits During the Year: Status Change Events later in this chapter. See the rest of this chapter and the individual benefit chapters for effective date information. If you are an associate in Hawaii, your eligibility and benefits information is explained in Eligibility and Benefits for Associates in Hawaii. Full-Time Hourly: 180-Day Wait Plan Medical HMO Plans* Dental (enrollment is for two full calendar years) AD&D Cancer Insurance Policy Accident Insurance Policy Company-Paid Life Business Travel Resources for Living Enrollment Periods and Effective Dates Initial Enrollment Period: Between 120 and 180 days from hire date. When Coverage is Effective: 181st day of continuous Full-Time employment (or, if hired prior to January 1, 2002, on the 91st day of continuous Full-Time employment) Cancer Insurance Policy and Accident Insurance Policy are effective on the first day of the month after your 181st day of continuous Full-Time employment. Proof of Good Health is required. Automatically enrolled at 180 days from hire date. Automatically enrolled as of your first day of Active Work. Optional Life Dependent Life Short-Term Disability Long-Term Disability Short-Term Disability Plus (not available in California and Rhode Island) Starbridge Initial Enrollment Period: Between 120 and 180 days from hire date. When Coverage is Effective: If you enroll during your Initial Enrollment Period, 181st day of continuous Full-Time employment or upon approval by Prudential for Optional Life and Dependent Life. For Optional or Dependent Life Insurance: You may enroll at any time during the year, but Proof of Good Health may be required. For STD and LTD and STD Plus: You may enroll at any time during the year, but If you enroll at any time other than your Initial Enrollment Period, you will have a one-year wait and a reduction in benefits. Initial Enrollment Period: From the date of your first paycheck through 60 days of hire date. When Coverage is Effective: Coverage is effective on the date you enroll, but terminates on the date that you become eligible for medical/hmo plans. See your personnel representative for details. * Some HMOs may require longer terms of employment for eligibility. 10 For more information, log on to walmartbenefits.com, 24/7 or

13 2008 Wal-Mart Associate Benefits Book Management Associates, Management Trainees, CA Pharmacists, Full-Time Truck Drivers, and Associates Promoted to Management Status during Initial Enrollment Period: No Wait Plan Medical HMO Plans* Dental (enrollment is for two full calendar years) AD&D Cancer Insurance Policy Accident Insurance Policy Company-Paid Life Enrollment Periods and Effective Dates Initial Enrollment Period: From the date of your first paycheck through 60 days from hire date. When Coverage is Effective: Date of hire or promotion to management status. Cancer Insurance Policy and Accident Insurance Policy are effective on the first day of the month after you enroll for coverage. Proof of Good Health is required. Automatically enrolled at date of hire. (Officers of the Company are not eligible for this benefit.) Business Travel Accident Resources for Living Optional Life Dependent Life Long-Term Disability Truck Driver Long-Term Disability Automatically enrolled as of your first day of Active Work. Initial Enrollment Period: From the date of your first paycheck through 60 days from hire date. When Coverage is Effective: If you enroll during your Initial Enrollment Period, on your date of hire or promotion to management status or upon approval by Prudential for Optional Life and Dependent Life. For Optional or Dependent Life Insurance: You may enroll at any time during the year, but Proof of Good Health may be required. For LTD: You may enroll at any time during the year, but If you enroll at any time other than your Initial Enrollment Period, you will have a one-year wait and a reduction in benefits. For Truck Driver LTD: You may enroll at any time during the year, but if you enroll at any time other than your Initial Enrollment Period, you will be required to provide Proof of Good Health. * Some HMOs may require longer terms of employment for eligibility. STD Plus and Starbridge are not available to Management associates, Management Trainees, and Full-Time Truck Drivers. Eligibility and Enrollment Visit Ask Betty from the WIRE at work or call the Benefits Department at (800)

14 Full-Time Hourly Pharmacists **, Full-Time Hourly Field Logistics Associates, and Full-Time Hourly Field Supervisor Positions in Stores and Clubs: 90-Day Wait Plan Medical HMO Plans* Dental (enrollment is for two full calendar years) AD&D Cancer Insurance Policy Accident Insurance Policy Company-Paid Life Business Travel Accident Resources for Living Enrollment Periods and Effective Dates Initial Enrollment Period: From the date of your first paycheck through 90 days from hire date. When Coverage is Effective: 91st day of continuous Full-Time employment. Cancer Insurance Policy and Accident Insurance Policy are effective on the first day of the month after your 91st day of continuous Full-Time employment. Proof of Good Health is required. Automatically enrolled at 90 days from hire date. Automatically enrolled as of your first day of Active Work. Optional Life Dependent Life Short-Term Disability Long-Term Disability Short-Term Disability Plus (not available in California and Rhode Island) Starbridge Initial Enrollment Period: From the date of your first paycheck through 90 days form hire date. When Coverage is Effective: If you enroll during your Initial Enrollment Period, 91st day of continuous Full-Time employment or upon approval by Prudential for Optional Life and Dependent Life. For Optional or Dependent Life Insurance: You may enroll at any time during the year, but Proof of Good Health may be required. For STD and LTD and STD Plus: You may enroll at any time during the year, but if you enroll at any time other than your Initial Enrollment Period, you will have a one-year wait and a reduction in benefits. Initial Enrollment Period: From the date of your first paycheck through 60 days from hire date. When Coverage is Effective: Coverage is effective on the date you enroll, but terminates on the date that you become eligible for medical/hmo plans. See your personnel representative for details. * Some HMOs may require longer terms of employment for eligibility. ** California Pharmacists are eligible for the benefits listed in the chart for Management Associates earlier in this chapter. Temporary Associates Plan Business Travel Accident Resources for Living Enrollment Periods and Effective Dates Automatically enrolled as of your first day of Active Work. Starbridge Initial Enrollment Period: From the date of your first paycheck through 60 days from hire date. When Coverage is Effective: Coverage is effective on the date you enroll. See your personnel representative for details. Life and Disability coverage is not available to Temporary associates 12 For more information, log on to walmartbenefits.com, 24/7 or

15 2008 Wal-Mart Associate Benefits Book Peak-Time Hourly Associates and Part-Time Truck Drivers: 365-Day Wait Plan Medical HMO Plans* Cancer Insurance Policy Accident Insurance Policy Business Travel Accident Resources for Living Enrollment Periods and Effective Dates Initial Enrollment Period: Within 60 days of your one-year anniversary When Coverage is Effective: 366th day of continuous employment as long as Wal-Mart is your primary employer. Primary Employer means the employer who will provide you with the greatest percentage of total income this year Cancer Insurance Policy and Accident Insurance Policy are effective on the first day of the month after your 366th day of continuous Full-Time employment. Proof of Good Health is required. Automatically enrolled as of your first day of Active Work. Starbridge Initial Enrollment Period: From the date of your first paycheck through 60 days from hire date. When Coverage is Effective: Coverage is effective on the date you enroll, but terminates on the date that you become eligible for medical/hmo plans. See your personnel representative for details. * Some HMOs may require longer terms of employment for eligibility. NOTE: Peak-Time associates and Part-Time Truck Drivers may only cover their Eligible Dependent children and may not cover their spouses. Life and Disability coverage is not available to Peak-Time hourly associates and Part-Time Truck Drivers. Full-Time Hourly Vision Center Managers: No Wait Plan Medical HMO Plans* Dental (enrollment is for two full calendar years) AD&D Cancer Insurance Policy Accident Insurance Policy Enrollment Periods and Effective Dates Initial Enrollment Period: From the date of your first paycheck through 60 days from hire date. When Coverage is Effective: Date of hire or promotion to Full-Time Hourly Vision Center Manager status Cancer Insurance Policy and Accident Insurance Policy are effective on the first day of the month after you enroll for coverage. Proof of Good Health is required. Eligibility and Enrollment Company-Paid Life Business Travel Accident Resources for Living Automatically enrolled at hire date. Automatically enrolled as of your first day of Active Work. Optional Life Dependent Life Short-Term Disability Long-Term Disability Short-Term Disability Plus (not available in California and Rhode Island) Starbridge Initial Enrollment Period: From the date of your first paycheck through 60 days of hire date. When Coverage is Effective: If you enroll during your Initial Enrollment Period, 1st day of continuous Full-Time employment or upon approval by Prudential for Optional Life and Dependent Life. For Optional or Dependent Life Insurance: You may enroll at any time during the year, but Proof of Good Health may be required. For STD and LTD and STD Plus: You may enroll at any time during the year, but If you enroll at any time other than your Initial Enrollment Period, you will have a one-year wait and a reduction in benefits. Not available. * Some HMOs may require longer terms of employment for eligibility. Visit Ask Betty from the WIRE at work or call the Benefits Department at (800)

16 Paying for Your Benefits Your contributions/premiums will be withheld from your paycheck by Wal-Mart. The first paycheck after your effective date should reflect deductions for each day that you had coverage within that pay period. If an end-of-year pay period covers both the old and new year, your deductions will reflect the deduction amount for the old year through December 31 and the new deduction amount for the new year, prorated for the number of days covered from January 1 until the end of the pay period. You also can contribute to a health savings account on a pre-tax basis. See the Health Savings Account chapter for more information. If your payroll deductions are not withheld for any reason, unpaid premiums must be paid in full back to your original effective date in order for coverage during that period to apply. This could result in extra deductions from your paycheck. How You Pay for Benefits Benefit Benefit Code on Paycheck Premiums Paid Pre-Tax Premiums Paid After-Tax Optional Life Insurance INS LIFE Associates Medical Plan INS MED Dental Insurance INS DEN Cancer Insurance Policy CANCER Accidental Death and Dismemberment AD&D Short-Term Disability INS STD Short-Term Disability Plus STD+ Long-Term Disability INS LTD HMO INS MED HMO Starbridge STAR Dependent Life Insurance INS DEP LIFE Long-Term Disability Truck Driver INS LTD Accident Insurance Policy ACCIDENT Your payroll deductions reflect your cost for benefits for the payroll period ending on the date of your paycheck. So, if you are paid bi-weekly, your deductions are paying for coverage for the previous two weeks. Contributions/premiums are paid based on 26 pay periods excluding Rhode Island. 14 For more information, log on to walmartbenefits.com, 24/7 or

17 2008 Wal-Mart Associate Benefits Book The deduction code used on your paycheck for each benefit is shown in the chart, How You Pay for Benefits. It s important to check your paystub to be sure that the proper deductions are being taken. Remember, you can view your paystub online the Monday before payday by going to Online Paystub on walmartbenefits.com. If the coverage and deductions you selected are not shown correctly on your paystub, call the Benefits Department immediately at (800) Many of your Wal-Mart benefits can be paid for with pretax dollars. Purchasing with pre-tax dollars means your payroll deductions for coverage are deducted from your paycheck before federal and, in most cases, state taxes are withheld.the result is that your pay remains the same but your taxes are lower, your benefits dollars go farther, and you get more for your money. Because Social Security taxes are not withheld on any pre-tax dollars you spend for benefits, these dollars will not be counted as wages for Social Security purposes. As a result, your future Social Security benefits may be reduced. Deductions for contributions that are past due or for retroactive elections may be made on an after-tax basis. For information on how to pay for benefits while you are on a Leave of Absence and are not receiving a Wal-Mart paycheck, see Benefits Continuation If You Go On a Leave of Absence in this chapter. Benefit Continuation If You Go On a Leave of Absence A Leave of Absence provides you with needed time away from work while maintaining eligibility for benefits and continuity of employment.to accommodate situations that necessitate absence from work, the Company provides three types of leave: Family Medical Leave Act of 1993 (FMLA): An approved FMLA Leave provides you with time away from work so that you can receive medical treatment and/or recover from medical treatment, injury, or disability. This includes disabilities, pregnancy, childbirth, and other serious health conditions. Wal-Mart will maintain Medical, Dental and RFL coverage while you are on FMLA leave, where such coverage was provided before the leave was taken. Such coverage will be maintained on the same terms and conditions as if you had continued to work during the leave period. You must make arrangements to pay your share of health benefits costs during your FMLA leave by paying those costs on a pre-tax basis before the leave or paying those costs on an after-tax basis during the leave. Upon returning from your FMLA leave, you many contact the Benefits Department in regards to the reinstatement of your Medical, Dental, Life, and Disability coverage. Eligibility and Enrollment Visit Ask Betty from the WIRE at work or call the Benefits Department at (800)

18 Personal Leave: An approved Personal Leave provides you with time away from work so that you can deal with personal situations such as a family crisis, continuing your education, or caring for an ill or injured relative. Military Leave: If you volunteer for or are required to perform active, full-time U.S. military duty or to fulfill National Guard or Reserve obligations, you will be granted a Military Leave. You may continue or suspend coverage for yourself or your Eligible Dependent s while on military leave of absence. You also may have a right to reinstate coverage upon your return. Contact the Benefits Department at (800) Decisions about leaves of absence are made by the Company, not the AHWP. You should contact a member of your management team for additional information about FMLA, Personal or Military Leave, or refer to Wal-Mart s Leave of Absence policy (PD-24) on the WIRE for more specific information.you may also contact your personnel representative or any member of the People Group for any questions you may have about the application of the FMLA, Personal or Military Leave policy. Paying for Benefits While On a Leave of Absence To continue coverage for the following benefits, you must make payments for the associate portion of the contribution by paying those costs on a pre-tax basis before the leave or paying those costs on an after-tax basis while you are on a Leave of Absence: Medical Dental Cancer Insurance Policy Accident Insurance Policy Optional Life Insurance Dependent Life Insurance Accidental Death and Dismemberment Short-Term Disability Plus Your contribution/premium payment covers your cost for benefits for the period ending on the date of contribution/premium bill. So, you are paying for coverage for the previous period. Because your contribution/premium payment is for coverage you have already had, you may experience an interruption in the payment of Medical, Dental and Prescription claims. To avoid an interruption, you may also pay for coverage in advance when you pay your regular contribution/premium. For more information call Wal-Mart Benefits at (800) or (479) Payments for premiums may be made by check or money order and should be payable to Associates Health and Welfare Trust and mailed to: Wal-Mart Benefits Department 3001 P.O. Box 1039 Lowell, AR Please be sure to include your name, Benefits ID, and facility number on the payment to ensure proper credit. You may also pay by credit card by calling (800) and selecting the credit card payment option. Payments for Starbridge should be sent to: CIGNA HealthCare Attn: Accounting 2222 W. Dunlap Ave., Suite 350 Phoenix, AZ Payments for the Cancer Insurance Policy and/or Accident Insurance Policy should be sent to: Aflac Attn: PHS 1932 Wynnton Road Columbus, GA If you are on a Leave of Absence and payments are owed to the Plan, any check issued by the Company, during or after your Leave of Absence, will have the full amount of premiums deducted. Payment arrangements can be made by notifying the Benefits Department prior to your return to work. Generally, payments to continue your coverage can only be accepted from you or a family member. If your coverage is canceled, please see the applicable benefit section for how to reinstate coverage. 16 For more information, log on to walmartbenefits.com, 24/7 or

19 2008 Wal-Mart Associate Benefits Book Changing Your Benefits During the Year: Status Change Events Your ability to change your benefit coverage at any time other than the Annual Enrollment period depends on whether the benefit is paid for with pre-tax dollars or after-tax dollars. After-tax benefits can be changed (coverage added or dropped) at any time. After-tax benefits are Optional Life Insurance, Dependent Life Insurance, Short-Term Disability, Long-Term Disability, and Truck Driver Long-Term Disability. Pre-tax benefits generally can only be changed during the Annual Enrollment period unless you have a Status Change Event. Pre-tax benefits are the Associates Medical Plan, HMO plans, Dental, Accidental Death and Dismemberment, Starbridge, Cancer Insurance Policy and Accident Insurance Policy. Because of the pre-tax nature of these premiums, federal tax law generally requires that your pre-tax benefit choices remain in effect for the entire calendar year in which the choice was made. Pre-tax contributions to a health savings account can be changed on a going-forward basis at any time. However, you may make certain coverage changes if one of the following Status Change Event s occurs. A Status Change Event is an event that allows you to make changes to your coverage outside of the Annual Enrollment period. Federal law generally requires that your requested election change be on account of and correspond with your change in status, and affect eligibility for coverage.this means that there must be a logical relationship between the event that occurs and the change you request. These events include those listed below: Events that change your marital status: Marriage Death of your spouse Divorce (including the end of a common-law marriage in states where a divorce decree is required to end a common-law marriage, the Company may require this documentation) Annulment Legal separation Events that change the number of your dependents: Birth Adoption Placement for adoption Death of a dependent Loss of custody Your paternity test result An event that causes you or your dependent to satisfy or no longer satisfy the requirements for coverage, such as attainment of age (for instance, your dependent who is not a full-time student turning 19 years old), a change in student status, or other similar circumstance. Employment changes Going on or returning from an approved leave of absence. Gaining or losing coverage due to starting or ending employment by you, your spouse, or your dependent. A change in work schedule or status of you, your spouse, or your dependent that affects your benefits eligibility or that of your spouse or dependent. A change in your work location that affects your medical options (HMO participants may have a Status Change Event based on a change in their residence). You will have 60 calendar days from your transfer to submit a request to change your coverage. If you do not submit a request to change, your coverage will automatically be defaulted. Please refer to the 2008 Default Coverage earlier in this chapter. If you lose coverage under any other employer plan, you may change your coverage in a manner consistent to the loss. For example, if your spouse enrolls in or drops coverage during an Annual Enrollment at his or her place of employment or due to a Status Change Event, you may change your coverage in a manner consistent with your spouse s change in coverage. Eligibility and Enrollment Visit Ask Betty from the WIRE at work or call the Benefits Department at (800)

20 If you change your coverage with another employer that you have, you may change your coverage in a manner consistent with the change you made under your other employer s plan. If your ex-spouse enrolls in or drops coverage for your Eligible Dependent during an Annual Enrollment period at his or her place of employment or due to a Status Change Event, you may change your coverage in a manner consistent with that change in coverage. Loss of coverage. You may add medical or dental coverage for you and/or your Eligible Dependents if you originally declined coverage because you and/or your dependents had COBRA coverage and that COBRA coverage has since been exhausted (nonpayment of premiums is not sufficient for this purpose), or you and/or your dependents had non-cobra medical coverage and the other coverage has terminated due to loss of eligibility for coverage (such as loss of student-only coverage available through a college due to the individual ceasing to be a student) or employer contributions towards the other coverage have terminated. A change may also be allowed if there is a significant loss of coverage under the benefits available at Wal-Mart, such as an HMO plan in your area discontinuing service or ceasing to operate. The Plan will determine whether a significant loss of coverage has occurred. A change may be allowed if the lifetime maximum for all medical benefits under another plan has been met. If you, your spouse, or your dependents lose coverage under a governmental plan, educational institution s plan, or tribal government plan, you can add coverage under the AMP, an HMO plan, Accident Insurance Policy, Cancer Insurance Policy, or Starbridge. Court order. Gain of Other Coverage If an order resulting from a divorce, legal separation, annulment, or change in legal custody (including a Qualified Medical Child Support Order - see Qualified Medical Child Support Orders later in this chapter) requires you to provide medical coverage for your Eligible Dependents, you may add coverage for your Eligible Dependent (and yourself, if you are not already covered). If the order requires your spouse, former spouse, or other person to provide medical coverage for your dependent, and that other coverage is in fact provided, you may drop coverage for the dependent. If you, your spouse, or your dependents are enrolled in the Associates Medical Plan, an HMO plan, Accident Insurance Policy, Cancer Insurance Policy, or Starbridge, you can drop that coverage to the extent you, your spouse, or your dependents become entitled to Medicare or Medicaid benefits. If you, your spouse, or your dependents gain eligibility under a governmental plan (other than Medicare or Medicaid), you cannot drop the AMP, an HMO plan, Accident Insurance Policy, Cancer Insurance Policy, or Starbridge coverage except during the Annual Enrollment period. Making Status Change Event Changes When you have a Status Change Event, you must make your change within 60 days from the date of the event. Any changes you make as a result of the Status Change Event must be consistent with the event and the gain or loss of coverage.this means there must be a logical relationship between the event and the change you request. For example, if you have a Status Change Event that affects your dependent child s eligibility, you can only drop or add coverage for that child. It would not be consistent to add a spouse due to this event. If you add a spouse or dependent due to a Status Change Event, they will be subject to the same plan limitations that apply to you at that time, if any (for example, limits concerning transplant coverage, mental/nervous disorder coverage, and routine mammogram and Pap smear coverage). Associates and dependents will be subject to the same plan limitations as the participant who has been covered for the longer period of time. The Plan reserves the right to request additional documentation necessary to show proof of a Status Change Event. 18 For more information, log on to walmartbenefits.com, 24/7 or

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