annual enrollment guide - home depot live the orange life

ANNUAL ENROLLMENT GUIDE

for USVI Full-time Hourly and Salaried Associates

Your 2013

Live the Orange Life: Guide to Your Benefits

Medical Coverage 1

2013 ID Cards 1

Best Doctors® 1

Critical Illness Protection Plan 5

Dental Plan Coverage 6

Vision Plan Coverage 9

Health Care and Dependent Day Care Spending Accounts 12

Life Insurance and Accidental Death & Dismemberment Coverage 14

Disability Coverage 16

FutureBuilder 18

The Employee Stock Purchase Plan 20

MetLaw Legal Services 20

How to Enroll 21

Benefits Contact List 22

2013 Payroll Deductions 23

HEALTH CARE PLANS• Medical• Dental• Vision• Critical Illness Protection• Health Care Spending Account

FINANCIAL PROTECTION PLANS• Disability Insurance• Life Insurance• Accidental Death and Dismemberment

Insurance• MetLaw Legal Plan

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

ADDITIONAL PROGRAMS• Paid Time Off• Dependent Day Care Spending Account• Tuition Reimbursement• 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.

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

Virgin Islands Full-Time Hourly and Salaried AssociatesVirgin Islands Full-Time Hourly and Salaried Associates

The Anthem Blue Cross BlueShield (BCBS) PPO Medical PlanHow the Anthem Blue Cross Blue Shield PPO Works• You can receive care from any provider and receivefull benefits for covered services. However, if youuse a BlueCard network provider, you can pay acopay for many services with no claim formneeded. For information on BlueCard providers,go to www.anthem.com or call 1-877-434-2734.

• You can receive care in the United States from anyprovider and full benefits will be paid for eligibleexpenses.

Medical Coverage

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

Anthem Blue CrossBlue Shield Medical

You are newly enrolled in the Anthem BCBS medical plan. You stayed 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 coverage for the first time in 2013. You are staying enrolled in dental coverage (regardless of which option) for 2013.

2013 ID Cards

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



Virgin Islands Anthem BCBS Medical Plan

Benefit You Pay

Member services 1-877-434-2734 Monday to Friday from 8:00am-8:00pm EST

Website www.anthem.com

Major Medical

Annual deductible: individual/family $0

Out-of-pocket maximum: individual/family $0

Lifetime coverage limit Limit does not apply

Coinsurance percentage 100% covered; unless otherwise noted

Policies/Requirements

Need to file claims No; however, members may have to file a claim for out-of-network providers

Access

Ability to self-refer to OB/GYN Yes

Ability to self-refer to specialists Yes

Out-of-area dependent coverage Yes

Outpatient Services

Primary Care

Primary doctor office visit $15 copay

Specialist office visit $15 copay

Preventive Care

Annual physical exam 100% covered, no copay

Well-woman exam (includes pap) 100% covered, no copay

Mammogram 100% covered, no copay

Colorectal cancer screening 100% covered, no copay

Routine PSA and digital rectal exam 100% covered, no copay

Immunizations (adult) 100% covered, no copay

Pediatric exams 100% covered, no copay

Immunizations (child) 100% covered, no copay

Outpatient Care

Lab 20% coinsurance; 100% covered after $15 copay if performed in an office

Complex imaging 20% coinsurance; 100% covered after $15 copay if performed in an office

X-ray 20% coinsurance; 100% covered after $15 copay if performed in an office

Outpatient surgery 20% coinsurance; 100% covered after $15 copay if performed in an office

Outpatient physical therapy $15 copay; limited to 60 visits per policy year; all therapies combined

Outpatient occupational therapy $15 copay; limited to 60 visits per policy year; all therapies combined

Outpatient speech therapy $15 copay; limited to 60 visits per policy year; all therapies combined

Family Planning/Maternity Care

Office visit: pre/postnatal 100% covered, no copay

In-hospital delivery services $50 copay


Virgin Islands Full-Time Hourly and Salaried Associates

Virgin Islands Anthem BCBS Medical Plan

Benefit You Pay

Inpatient Services

Inpatient Room and Board

Hospital copay $50 copay

Inpatient care 100%

Emergency Care

Emergency room (not followed by admission) 100% covered -Accident; $50 copay-Illness

Walk-in clinic Not covered

Urgent care clinic visit 100% covered -Accident; $50 copay-Illness

Ambulance services $50 copay

Prescription Drug Coverage

General

Prescription drug web site www.anthem.com

Prescription drug member services 1 (877) 434-2734

Annual prescription deductible Not applicable

Annual prescription maximum benefit No maximum

Annual prescription out-of-pocket maximum No maximum

Retail

Generic $5 copay

Preferred $10 copay

Non-preferred $15 copay

Mail Order

Generic $10 copay

Preferred $20 copay

Non-Preferred $30 copay

Other Services

Mental Health & Substance Abuse

Mental health: outpatient coverage $15 copay unlimited visits

Mental health: inpatient coverage $50 per admission copay unlimited days

Substance abuse: outpatient coverage $15 copay unlimited visits

Substance abuse: inpatient coverage $50 per admission copay unlimited days

Alternative Care

Chiropractic $15 copay; Limited to 60 visits per calendar year (combined with physical, occupational and speech therapy)

Other

Noncustodial home health care 20% coinsurance; limited to 150 visits

Durable medical equipment 20% coinsurance; up to $10,000 per year



Be a Smarter Health Care ConsumerKnow Your Risks and Actively Manage Them• Get certain preventive care services FREE from BCBSnetwork providers. Call Anthem BCBS for a list offree preventive care services.

Managing Costs of Your Care• Find out costs before you go. Call Anthem BCBS

to learn your out-of-pocket costs before you go tothe doctor or hospital. Anthem BCBS may be able to suggest a doctor or hospital that providesthe 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 pro-gram is free to all associates and tospouses/domestic partners who are coveredunder a Home Depot medical plan. Call Quit forLife at 1-866-784-8454 to enroll today.

• Visit my health chat from livetheorangelife.comto chat with fellow associates and medicalexperts about health and health improvement.You can chat using a screen name and evendesign your own avatar.

• Building Better Health (BBH) Program—BBH is aimedat improving our associates’ health. Talk to yourlocation’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.



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 for

the 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 toyour 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.

• Get a tax break! Pay for eligible dental care services that are not paid for by the dental planwith tax-free dollars through the Health CareSpending Account and save money—for manyassociates, this savings is at least 20%.

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. Thisis a 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.

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.

Teeth Cleaning—All Dental Options



“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.

The Health Care Spending Account is a great wayto help you pay for uncovered orthodontia expensesbecause you know exactly how much you willspend each year on orthodontia each year. Why notuse tax-free dollars to pay for this predictableexpense?

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 of EyeMed Select network providers, go tolivetheorangelife.com , click GeneralInformation, choose US Virgin IslandsAssociates, then Find a 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 cor-rection discount of 5% off any promotional price or15% off the retail price for treatments performed 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.

• Get a tax break using a convenient debit card! Pay foreligible vision care services that are not paid forby the vision plan with tax-free dollars through theHealth Care Spending Account and savemoney—for many associates, this savings is atleast 20%.

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 get new glassesevery 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)



Health Care and Dependent Day Care Spending Accounts

What’s New in 2013THE MAXIMUM ANNUAL CONTRIBUTION TO THE HEALTH CARE SPENDING ACCOUNT WILLBE $2,500 IN 2013. This reduction is a require-ment of the Affordable Care Act. The DependentDay Care Spending Account maximum annualcontribution will remain $5,000 for 2013.

YOU WILL RECEIVE A NEW YSA VISA CARD IN MID-DECEMBERIf you are enrolled in the Health Care Spending

Account, your current YSA card will be deactivated

on January 1, 2013. In mid-December, you will

receive a new YSA Visa card that you can begin

using on January 1, 2013. Complete information

about using your YSA Visa card will be included

with your new card.

Spending Account Enrollment Reminders!• You must actively enroll in the Health Care and/orDependent Day Care Spending Account to participate inthe account(s) in 2013.

• Use the online tool “Estimate Your Health CareExpenses” on the Your Benefits Resources website toquickly help you determine how much to contribute tothe health care account and how much you could savein taxes. To find this tool, go to Your BenefitsResources, at the Annual Enrollment home page,click Consider a Spending Account, and thenEstimate Your Health Care Needs or EstimateYour Dependent Care Needs (contact your day care provider for their 2013 rates).

Are you ready to save using the spending accounts?Visit https://www.healthcarefsatutorial.com/index1/for a video that quickly tells you how!

How You Save Money Using the Spending Accounts How do you save money on eligible health careand day care expenses? All it takes is a little plan-ning and enrollment in the Health Care and/orDependent Day Care Spending Accounts.

When you pay for eligible health care expenses such as deductibles, coinsurance, copaymentsand prescription drugs and dependent day careexpenses through these accounts, you are usingbefore-tax dollars, which are put into your accountbefore taxes are taken out of your paycheck. For adetailed list of eligible health care and dependentday care expenses click on Consider a SpendingAccount during your enrollment session and thenclick on the Estimate Your Health Care Needsbutton. The amount you save depends on your taxbracket and the tax rate in your state. So, if you’rein the 15% tax bracket and you also pay the5.65% Social Security/ Medicare tax, you’ll save20.65% on expenses you pay for through theaccounts. If you pay a state income tax or are in ahigher tax bracket, you’ll save even more.

Estimate Your Expenses Carefully!All it takes is a little planning to make the spendingaccounts work for you. Simply estimate the amountof health care expenses—such as your deductible—and/or dependent day care expenses you’ll have in2013. It’s important to put money into the accountonly for expenses you know you’ll incur betweenJanuary 1, 2013 and March 15, 2014 for the HealthCare Spending Account or January 1, 2013 andDecember 31, 2013 for the Dependent Day CareSpending Account. You can only receive reimburse-ment for expenses incurred during those time peri-ods and you will lose any money not used to payreimbursements for expenses.

Your 2013 Spending Account OptionsHow much you can contribute in 2013:

For eligible expenses you have:

Health Care Spending Account

$260 minimum up to $2,500 maximum

January 1, 2013 through March 15, 2014

Dependent Day CareSpending Account

$260 minimum up to $5,000 maximum

January 1, 2013 through December 31, 2013



How Much Can I Save?The Spending Account Tax Savings chart on thenext page shows how much you can save on eligi-ble expenses through the accounts. These savingsassume a 4% state income tax rate, which could bedifferent in your state. For information on tax brack-ets, see the tax bracket chart.

How the Health Care Account YSA Card WorksThe YSA (Your Spending Account) card allows youto avoid paying for eligible health expenses out ofpocket. When you use your YSA card, your eligibleexpenses are deducted automatically from yourhealth care account. You can use your YSA card to pay for eligible health care expenses includingprescriptions, medical copays, deductibles anddental work.

It’s important to follow these YSA card guidelines touse your card as efficiently and conveniently aspossible and to avoid having your card suspended:

• Every item or service that you pay for using your YSAcard must be an eligible health care expense. Alwaysseparate eligible health care items from ineligibleitems (e.g., magazines, cosmetics) before usingyour YSA card.

• All YSA card transactions must be validated—keep allof your itemized receipts. Because all YSA cardtransactions must be verified as eligible health careexpenses, you may be required to provide support-ing documentation to validate your expenses.Make sure that you save all of your itemizedreceipts (indicating the date of service, the name of the service provider, the name of the personreceiving service, the name of the product or service, and any amount paid by other coverage).

• Use select merchants and avoid sending in receipts!When you make eligible health care purchasesusing your YSA card with select merchants thatcan validate your expenses at the point of sale,the dollar amount will be deducted from youraccount automatically. No follow up needed!Select merchants include pharmacies, doctorsand dental offices (including all MetLife PDP dentists), hospitals, clinics, vision centers andmore. Visit the Your Spending Account website for a listing of these select merchants.

• Choose “credit” when you swipe your YSA card. TheYSA card is a signature based debit card. Thismeans you’ll be required to provide your signa-ture, similar to when you use a credit card. If youchoose the “debit” option, your transaction willnot be processed.

• Don’t give the doctor your YSA card to pay the coinsur-ance amount at the time you receive service. You mayuse your YSA card to pay the coinsurance amountafter the insurance has covered its portion and theprovider has sent you a bill.

You’ll receive detailed information on the health carespending account YSA card if you enroll in theHealth Care Spending Account.

Your Spending Account Contribution

Spending Account Tax Savings

15% tax bracket + 5.65% FICA tax+ 4% state tax = 24.65% savings

25% tax bracket + 5.65% FICA tax+ 4% state tax = 34.65% savings

$260 a year/$10 bi-weekly $64 $90

$550 a year/$21 bi-weekly $136 $191

$750 a year/$29 bi-weekly $185 $260

$1,000 a year/$38 bi-weekly $247 $347

$1,650 a year/$64 bi-weekly $407 $572

$2,250 a year/$87 bi-weekly $555 $780

2012 Tax Brackets15% TaxBracket in 2012

25% TaxBracket in 2012

Single with adjusted grossincome between:

$8,700 –$35,350

$35,350 –

$85,650

Married filingjointly withadjusted grossincome between:

$17,400 –

$70,700

$70,700 –

$142,700



Your Life Insurance and AD&DOptions for 2013• Associate Basic and Voluntary Life Insurance

• Spouse and Child Voluntary Life Insurance

• Associate Basic and Voluntary AD&D Coverage

Life and AD&D Enrollment Reminders!• Check and/or change your beneficiary designationsonline during your enrollment session. When youreach the “Enroll in Your Benefits” page duringyour enrollment session, you’ll see a link “Choosea Beneficiary.” Remember, all full-time hourly and salaried associates must have beneficiarydesignations for Company-provided Basic AD&Dcoverage and, if you are enrolled in a Companymedical plan, for Company-provided Basic Life Insurance.

• You can enroll in life insurance and AD&D coverage any time by calling the Benefits ChoiceCenter—but not more than once during a 12-month period or if you experience a family status change.

• The voluntary life and AD&D eligibility rules for childrenare: a child(ren) age 19 to age 26 must be a full-time stu-dent to continue coverage.

• The voluntary AD&D eligibility rules forspouses/domestic partners are: he or she must be under the age of 70.

Life Insurance Coverage for Full-time Hourly Associates Voluntary Term Life Insurance for Full-time Hourly Associates

• You can purchase Voluntary Term Life Insurancefor yourself up to 10 times your annual base pay (rounded to the next $1,000) up to a maximum of $500,000.

• You may be required to provide an Evidence ofInsurability form and be approved for coverage. Ifyou are increasing coverage outside of your initialenrollment, you will need to provide an Evidenceof Insurability form if:

—You previously declined coverage, regardlessof the level of coverage you select; or

—You elect a coverage increase of more thanone times pay.

Dependent Term Life Insurance for Your Spouse or Domestic Partner

You can buy coverage for your spouse or same- or opposite-sex domestic partner equal to:

• $20,000 with no Evidence of Insurability form; or

• One to 10 times your annual base pay (rounded to the next $1,000 if not already a multiple of$1,000) up to a maximum of $250,000 with an Evidence of Insurability form.

Dependent Term Life Insurance for Your Child(ren)

You can choose to cover your child or all of yourchildren under one of these coverage levels:$2,500, $5,000, $10,000, $15,000, or $25,000. You do not need an Evidence of Insurability form for child coverage.

Company-Provided Basic Term Life Insurancefor Home Depot Medical Plan Participants

As a full-time hourly associate, The Home Depotautomatically provides you with $20,000 of Basic LifeInsurance if you’re enrolled in a Company medicalplan. The Company also automatically provides BasicLife Insurance coverage of $2,000 for each eligibledependent enrolled in a Home Depot medical plan.

Life Insurance Coverage for SalariedAssociates Voluntary Term Life Insurance for Salaried Associates

• You can purchase Voluntary Term Life Insurancefor yourself up to 10 times your annual base pay(rounded to the next $1,000) up to a maximum of$1,000,000.

• You may be required to provide an Evidence ofInsurability form and be approved for coverage. Ifyou are increasing coverage outside of your initialenrollment, you will need to provide an Evidenceof Insurability form if:

Life Insurance and Accidental Death& Dismemberment Coverage



—You previously declined coverage, regardlessof the level of coverage you select;

—You elect a coverage increase of more thanone times pay; or

—You elect a coverage increase that wouldcause your coverage to go above $500,000(even if you elect one times pay and it causesyour coverage to go above $500,000).

Dependent Term Life Insurance for Your Spouse or Domestic Partner

You can buy coverage for your spouse or same- oropposite-sex domestic partner equal to:

• $20,000 with no Evidence of Insurability form; or

• One to 10 times your annual base pay (rounded tothe next $1,000 if not already a multiple of $1,000) upto a maximum of $250,000 with an Evidence ofInsurability form.

Dependent Term Life Insurance for Your Child(ren)

You can choose to cover your child or all of your children under one of these coverage levels: $2,500,$5,000, $10,000, $15,000, or $25,000. You do notneed an Evidence of Insurability form for child cover-age.

Company-Provided Basic Term Life Insurance for Home Depot Medical Plan Participants

As a salaried associate, The Home Depot automati-cally provides you with $50,000 of Basic LifeInsurance if you’re enrolled in a Company medicalplan. The Company also automatically provides BasicLife Insurance coverage of $2,000 for each eligibledependent enrolled in a Home Depot medical plan.

Accidental Death andDismemberment (AD&D)Coverage for Full-time HourlyAssociatesAssociate-Only Voluntary AD&D Insurance

You can purchase Associate-Only Voluntary AD&DInsurance for yourself up to 10 times your annualbase pay (rounded to the next $1,000) up to amaximum of $500,000. An Evidence of Insurabilityform is not required.

Family Protection Plus Voluntary AD&D Insurance

You can buy AD&D coverage for yourself, yourspouse or same- or opposite-sex domestic partnerand your dependent children. An Evidence ofInsurability form is not required.

• You choose a coverage amount for yourself underAssociate-Only Voluntary AD&D Insurance.

• You designate the family members you want tocover under the AD&D plan during your enroll-ment session.

• Your spouse’s (or domestic partner’s) coverageamount is 80% of your coverage amount andyour child(ren’s) coverage amount is 10% of your coverage amount.

Company-Provided Basic AD&D Insurance

As a full-time hourly associate, The Home Depotautomatically provides you with $20,000 of BasicAD&D Insurance at no cost to you.

Accidental Death andDismemberment (AD&D) Coverage for SalariedAssociatesAssociate-Only Voluntary AD&D Insurance

You can purchase Associate-Only Voluntary AD&DInsurance for yourself up to 10 times your annualbase pay (rounded to the next $1,000) up to a maxi-mum of $500,000. An Evidence of Insurability form isnot required.

Family Protection Plus Voluntary AD&D Insurance

You can buy AD&D coverage for yourself, yourspouse or same- or opposite-sex domestic partnerand your dependent children. An Evidence ofInsurability form is not required.

• You choose a coverage amount for yourself underAssociate-Only Voluntary AD&D Insurance.

• You designate the family members you want tocover under the AD&D plan during your enroll-ment session.

• Your spouse’s (or domestic partner’s) coverageamount is 80% of your coverage amount and yourchild(ren’s) coverage amount is 10% of your cov-erage amount.

Company-Provided Basic AD&D Insurance

As a salaried associate, The Home Depot automati-cally provides you with $100,000 of Basic AD&DInsurance at no cost to you.



What’s New in 2013

IN 2013 THE DISABILITY PLANS WILL HAVE A NEWPLAN ADMINISTRATOR, AETNA. The Home Depot is

pleased to announce that Aetna will be providing

their many resources to help associates recover

from a disability and get back to work as quickly

as possible.

Disability Coverage for Full-time Hourly AssociatesYour Disability Coverage Options• Short- and long-term disability coverage (you must be enrolled in short-term disability to enroll for long-term disability)

• Short-term disability insurance only

Disability Enrollment Reminder!If you are not currently enrolled in disability, you canenroll at any time by calling the Benefits ChoiceCenter; however, you can enroll or drop coverageonly once during a rolling 12-month period or if youexperience a family status change. An Evidence ofInsurability form is required.

Short- and Long-term DisabilityCoverage for Full-time Hourly Disability Associates• The short-term disability plan begins paying 60% of

your base pay after an illness or injury has kept youunable to work for seven consecutive calendardays; benefits continue for an approved period ofdisability up to 25 weeks.

• If you are enrolled in the long-term disability andyour disability qualifies as a total disability after 26weeks, long-term disability benefits of 60% of yourbase pay begin and continue for the remainder ofyour disability, up to the maximum benefit duration.

Short- and long-term disability benefits are reducedby other income you receive (such as Social Securityand Workers’ Compensation) while you are disabled.

Disability Coverage for Salaried Associates Your Disability Coverage• Short-term disability

• Long-term disability

—Tax Plan Cost Option

—Tax on Benefit Option

Disability Enrollment Reminder!You will default to the same long-term disability Taxoption you had in 2012. If you want to change yourlong-term disability Tax option, you can do so during your Annual Enrollment session. You will not be able to change this option until the nextAnnual Enrollment period.

Short- and Long-term DisabilityCoverage for Salaried AssociatesThe Home Depot automatically provides salariedassociates with short- and long-term disability coverage.

• The short-term disability plan begins paying yourregular bi-weekly pay after an illness or injuryhas kept you unable to work for seven consecu-tive calendar days. Short-term disability benefitscontinue for a period of disability approved bythe plan’s third party administrator up to a maxi-mum of 90 days.

• If your disability qualifies as a total disability after90 days, long-term disability benefits of 60% ofyour base pay plus bonuses begin. Long-term dis-ability benefits continue for the remainder of yourdisability, up to the maximum benefit duration.

Short- and long-term disability benefits are reducedby other income you receive (such as SocialSecurity and Workers’ Compensation) while you are disabled.

Disability Coverage



How Taxes Affect Your LTD BenefitHere is an example of how the tax plan cost and thetax on benefit options affect the biweekly paycheckand the annual LTD benefit of an associate making$70,000 a year:

As you can see, the tax plan cost option lowersyour biweekly paycheck—in this $70,000 salaryexample, it lowers each biweekly paycheck by$4.74 or $123.24 a year—but provides a higher LTD benefit.

The following charts show detailed examples of how the tax on plan cost and tax on benefit options affectyour LTD benefit and your income taxes.

Detailed Example of How LTD Options Affect Your Paycheck and LTD Benefit

This example shows how each of the LTD options affects the paycheck and LTD benefit of an associateearning $70,000 a year.

Annual NetPay Impact

Annual LTDBenefit

Tax on PlanCost Option

$123.24 Net Pay

$42,000

Tax on Benefit Option

NONE $26,607

Example Associate ProfileAnnual Base Pay $70,000

Federal Income Tax Rate (based on single filing status) 25%

State Tax Rate 4%

FICA 5.65%*

Total Tax 34.65%

Company Paid Biweekly LTD Premium for Annual Base Pay of $70,000 $12.92

Tax on Plan CostPaycheck Example

Earnings Taxes (on $2,705.23)

Regular $2,692.31 FICA Med (1.45%)* $39.23

Company Paid LTD Premium

1

$12.92

FICA OASDI (4.2%)* $113.62

Federal $676.31

State $108.21

Total Taxes $937.37

GROSS PAY$2,705.23

NET PAY2

$1,754.94

1 Taxable Income, not actual income2 Net Pay reduced by $4.74 per paycheck or $123.24 annually* The FICA tax percentage is subject to change.

Impact on LTD Benefit (if approved for LTD)

Annual LTD Benefit (60% of annual base pay)

$42,000($70,000 x 60%)

Federal Income Tax Rate (based on single filing status)

$0

Annual LTD Benefit After Taxes $42,000

Tax on BenefitPaycheck Example

Earnings Taxes (on $2,692.31)

Regular $2,692.31FICA Med (1.45%) $39.04

FICA OASDI (4.2%) $113.08

Federal $673.08

State $107.69

Total Taxes $932.89

GROSS PAY$2,692.31

NET PAY2

$1,759.42

Impact on LTD Benefit (if approved for LTD)

Annual LTD Benefit BeforeTaxes (60% of annual base pay)

$42,000($70,000 x 60%)

Income Tax on BenefitReceived (assumes 25% federal, 4% state and 5.65% FICA* = 34.65%)

$14,553($42,000 x

34.65%)

Annual LTD Benefit After Taxes $27,447($42,000-$14,553)

* The FICA tax percentage is subject to change.

* The FICA tax percentage is subject to change.



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 bymaking before-tax contributions to FutureBuilder.You pay no taxes on your contributions, thecompany matching contributions or your invest-ment earnings until you take the money out ofthe plan.

It’s important to thoroughly review the FutureBuilderchapter in the Benefits Summary for complete information 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 Motion Program.

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, so notaxes are due if you receive a qualified distribution (Note:Does not apply to Company-matching contributions)

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 ReminderTo 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 Full-Time Hourly/Salaried Medical Plan Provider

Anthem Blue Cross Blue Shield 1-877-434-2734 www.anthem.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

USVI Full-time Hourly/Salaried Flexible Spending Accounts

Your Spending Accounts (YSA) 1-800-555-4954 Your Benefits Resources™ from www.livetheorangelife.com

USVI Full-time Hourly/Salaried Life Insurance/AD&D

Minnesota Life 1-888-254-1324 Your Benefits Resources™ from www.livetheorangelife.com

USVI Full-time Hourly/Salaried Disability

Aetna 1-866-400-8762 Your Benefits Resources™ from www.livetheorangelife.comTo 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 > Ayco MoneyIn 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



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

Associate -Only

Associate +Spouse

Associate +Child(ren)

Associate +Family

MEDICAL PLAN OPTIONS

Anthem Blue Cross Blue Shield $51.75 $104.75 $87.50 $138.50

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

SPENDING ACCOUNTS

Health Care Spending Account

Dependent Day Care Spending Account

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.

USVI FULL-TIME HOURLY AND SALARIED ASSOCIATESUSVI FT GUIDE 2013

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

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