1. Welcome to 2018 Annual Enrollment
October 2017
Hello, eCommerce associates! Welcome to our 2018 Annual Enrollment briefing.
We are excited to bring our newest eCommerce associates onto Walmart’s benefits during this year’s Annual Enrollment. Now that benefits Annual Enrollment is here, we want to walk you through all of your choices, and make sure you have what you need to decide which plans are best for you and your family.
Today, we’ll walk you through important details about our benefits, and help you have a great enrollment experience.
We’ll need your help in making this a smooth transition. You must enroll during our Annual Enrollment window in order to have benefits in We’ll talk more about this as we get into the briefing, but if you only take one thing away from us today, it’s that everyone needs to complete an enrollment session by November 10! 

2. Got benefits?
2018 ANNUAL ENROLLMENT IS
OCT. 28 TO
NOV. 10!
Remember, you need to complete an enrollment session by Nov. 10 to get benefits in 2018.
So mark your calendar, write yourself a note, or set your alarm, just don’t forget to enroll!
To take advantage of Walmart’s benefits, you will need to complete an enrollment session. Annual Enrollment is the time you can pick benefits for The plans selected will become effective Jan. 1, If a medical plan is selected, you will receive a new plan ID card in the mail by the end of December.
Please remember, this is the only opportunity to enroll in benefits for This is your chance to get the benefits you want. If you miss this opportunity, you won’t have another chance to enroll unless you have a status change event or during next year’s Annual Enrollment. Be sure to enroll by Nov. 10th.

3. Getting started on your Walmart plans Medical Plan Options
What we’ll cover today
Benefits Eligibility
Getting started on your Walmart plans
Medical Plan Options
Other Health Benefits
Financial Benefits
Important Reminders
Tools and Resources
Here’s a high level overview of everything we’ll cover together today.
First we’ll review your Benefits Eligibility.
Then we’ll dive into our Medical Plans and talk about Other Health Benefits and our Financial Benefits
And then close with an overview of the Tools and Resources available to you.

4. Benefits Eligibility
Now, let’s take a look at who’s eligible for benefits and when you get them.

5. Full-time hourly associates Part-time hourly associates
Benefits eligibility
Salaried associates
Full-time hourly associates
Part-time hourly associates
Salaried associates are eligible to enroll for benefits between the date of your first paycheck and prior to the 60th day after your date of hire.
Coverage is effective on your date of hire.
Full-time hourly associates can enroll between the date of your first paycheck and the day prior to your effective date.
Coverage is effective on the first day of the month of your 89th day of employment.
Part-time hourly associates can enroll after one year – between your 52-week anniversary date and the first day of the second month following.
Coverage is effective on the first day of the second month following your anniversary.
At Walmart, we have three main associate groups. Salaried, full-time hourly, and part-time hourly.
Our Salaried associates are eligible for benefits starting on their hire date and we give them 60 days to enroll.
Our Full-Time Hourly associates are eligible on the first day of the month that contains their 89th day of employment. They have between their hire date and the date their benefits become effective to enroll
Finally, our Part-Time Hourly associates can enroll in benefits after one year and their benefits start on the first day of the second month following their one year anniversary.
YOUR SERVICE COUNTS!
Some programs are available only after you’ve been with us for one year. If your organization was recently acquired, we’ll start counting from your most recent hire date at your original company.

6. Salaried and Full-Time Hourly associate benefits eligibility
Available to all associates
MEDICAL
VISION
DENTAL
ASPP
AD&D
LIFE INSURANCE
CHILD LIFE
SPOUSE/PARTNER LIFE
CRITICAL ILLNESS
ACCIDENT INSURANCE
All salaried and full-time hourly associates are eligible for a host of Walmart benefits. These include medical and prescription drug benefits, vision, dental, life insurance,, disability, 401(k), and more!
401(K)
SHORT-TERM DISABILITY
LONG-TERM DISABILITY

7. Part-time hourly associate benefits eligibility
HOURS WORKED
COVERAGE OPTIONS
on average over the past 52 weeks
LESS THAN 30
HOUR SPER WEEK
DENTAL
VISION
ACCIDENT INSURANCE
CRITICAL ILLNESS
LIFE INSURANCE
CHILD LIFE
AD&D
ASPP
401(K)
Benefits Above
MEDICAL
on average over the past 52 weeks
MORE THAN 30
HOUR SPER WEEK
Walmart’s part-timer hourly associates are eligible for most of the same benefits. For medical coverage, however, there’s an extra eligibility step. In order to be eligible for medical insurance, part-time hourly associates must work, on average, at least 30 hours per week.

8. Dependent benefits eligibility
All eCommerce associates are eligible for benefits.
Want to cover your family too? Here’s who is eligible to be covered on your benefit plans:
Spouse/partner
FT/Mgmt associates may cover their spouse or domestic partner regardless of gender or martial status
Please note that if you cover a domestic partner, your premiums may be treated as imputed income per US law. Check in with your HR associate if you have questions.
Child(ren) and/or step-child(ren)
All associates may cover their legal child dependents up to age 26.
Includes children with spouse or partner.
If you want to include your family in your coverage, you can! Salaried and full-time associates can enroll their spouse or partner. Keep in mind, if you cover your domestic partner, the cost of those benefits will be treated as imputed income and subject to taxes. If you have questions about imputed income, you should talk to your financial advisor.
All eligible associates, salaried, full-time hourly, and part-time hourly, can cover their dependent children up to age 26.

9. Getting Started
Now that we’ve covered who’s eligible for benefits, let’s get started on enrollment.

10. Things to know about enrollment
2018 Annual Enrollment Window
Annual Enrollment takes place each Fall. Want benefits in 2018? You will need to complete an enrollment session in Workday by November 10, 2017.
eCommerce Benefit Plan Year
The Walmart benefit plans run Jan. 1 through Dec. 31 each year.
Need a bit more information?
Go online to Workday or WalmartOne.com/AEeComm to get even more details about the new benefit choices.
New plans mean new ID cards
If you sign up for a medical plan, your new ID cards will arrive at your home towards the end of Dec
Here are some things to know about enrollment:
Our Annual Enrollment happens each Fall. If you want Walmart benefits in 2018, you’ll need to complete an enrollment session in Workday between October 28 and November 10.
The Walmart benefits plan year is from January 1 to December 31.
Since you will be enrolling in Walmart Benefits for the first time, you will receive a Benefits Plan ID card at your home before December 31.
Need more information? Go online to Workday or visit WalmartOne.com/AEeComm

11. Medical Plan Options
So let’s talk benefits, starting with your medical plan choices.

12. Health Savings Account (HSA) Plan
2018 medical plan options
You have access to two primary types of medical plans.
eCommerce PPO
Health Savings Account (HSA) Plan
You have access to two types of medical plans. Sometimes three.
The eCommerce PPO plan
The Health Savings Account, or HSA Plan
And depending on your location, a Health Maintenance Organization or HMO,
All of which we’ll talk more about here in a minute

13. Key features of a PPO plan
Manage in-network out-of-pocket medical expenses and receive additional treatment options with a PPO plan.
Deductible
$300/associate
$600/associate + dependents
Out-of-pocket maximum
$1500/associate
$3000/associate + dependents
Office copays
$15 PCP
$25 Specialist
Additional benefits
Chiropractic care
Transgender benefit coverage
Infertility treatment coverage
With the eCommerce PPO plan, you will be able to manage you out-of-pocket medical expenses with
Lower deductibles
Lower out-of-pocket maximums, and
Predictable and affordable copays for doctor visits.
This plan will, however, cost you a bit more in payroll deductions.
The plan also covers some additional treatment options like chiropractic care, transgender benefits, and infertility treatment.

14. Key features of an HSA plan
Build a tax-free personal health savings account for use with eligible health care expenses.
HSA contributions
Triple tax benefit
Walmart match
Walmart matches your contribution dollar for dollar up to $350 per year, or $700 if you cover dependents
Using your HSA
HSA may be used for any IRS-approved health expenses
HSA dollars are yours to keep
The Health Savings Account, or HSA Plan lets you build a personal health savings account. This is cold hard cash that follows you year after year and wherever you may go.
Here’s how the HSA works:
You can put money into your health savings account, tax-free, each paycheck
Walmart will match your contributions dollar for dollar up to $350 per year, or $700 if you cover dependents.
You can use your HSA money for most health care expenses without penalty or taxes.
And the best part: it’s cash you get to keep, even if you change plans or leave the company.

15. HMOs available in select locations
Health Maintenance Organizations (HMO)
Keep in mind, availability is based on the location you work, not where you live. Each HMO will supply plan details including prescription benefits.
Depending on where you work, an HMO may also be available.
HMOs offer convenient and coordinated care as well as predictable and affordable copays for doctor visits
If a facility is eligible for an HMO plan, the HMO will send additional materials with the plan details to you directly

16. Pharmacy coverage All of the medical plans include pharmacy benefits.
PPO Plan
Generic drugs: $10 / 20% out-of-network
Brand-name drugs: $30 / 20%
Specialty drugs: $30 / 20%
HSA*
Generic drugs: $4
Brand-name drugs: $50 or 25% of allowed cost
Specialty drugs: $50 or 20% of allowed cost
Prescription drug coverage is included with each of the eCommerce medical plans.
For the PPO plan, generic prescriptions have a $10 copay, while for the HSA Plan it is just $4.
HSA prescription benefits are only available at Walmart or Sam’s Club pharmacies.
If you enroll in the PPO plan, you can get your prescriptions filled at pharmacies other than a Walmart or Sam’s Club at a higher cost.
Please note, if the closest Walmart or Sam’s Club pharmacy is more than five miles away from your work location, you will be able to fill your prescription at any Express Script network pharmacy.
SAVE MONEY. STAY IN-NETWORK!
Staying in your plan’s network saves you money. So does visiting a Walmart, Sam’s Club or other network pharmacy. To see complete medical and prescription drug coverage,
go to WalmartOne.com/AEeComm
*With this plan, the benefit applies after deductible due to IRS rules.

17. Medical plan premiums After-tax Pre-tax
Associates’ share for the cost for PPO and HMO health plans is paid on an after-tax basis.
This means Federal and state taxes are deducted prior to their premium being deducted.
Pre-tax
Associates’ HSA premiums are paid with pre-tax dollars from their paycheck.
Depending on the medical plan you enroll in, your share of the cost of coverage will be paid on either an after-tax or pre-tax basis.
PPO and HMO plans are paid after tax due to IRS regulations. This means federal and state taxes are deducted before your medical premiums are deducted. If you are enrolled in the HSA Plan, your premiums will be deducted before taxes.

18. Getting even more from your medical plans
When associates enroll in the eCommerce PPO or HSA plans, they get instant access to great benefits and programs that help them get the most from their medical plans. Depending on the plan, these include:
HEALTHCARE ADVISOR
GRAND ROUNDS
DOCTOR ON DEMAND
PREVENTIVE CARE COVERAGE
CASTLIGHT
LIFE WITH BABY
QUIT TOBACCO
CENTERS OF EXCELLENCE
When you enroll in a Walmart medical plan, you get access to a lot of great benefits and programs to help you get the highest quality care and save money.
These include:
Preventive Care
Access to a healthcare advisor
Doctor on Demand
Grand Rounds
Centers of Excellence
Castlight
Life with Baby program and
Quit Tobacco
Let’s take a moment to talk more about each of these.

19. Takes care of all the details
Grand Rounds
Available only to associates enrolled in the HSA Plan
Provides peace of mind with a review, a written opinion, and an optional recommendation all from a world-class specialist
Takes care of all the details
Helps find the highest quality specialist
Grand Rounds
If you are diagnosed with a serious medical condition or told you need a particular medical procedure, it can be scary and you might wonder if it’s really necessary. You can get peace of mind with Grand Rounds. Grand Rounds offers a second medical review, a written opinion, and a personalized recommendation, all at no cost to you. The process is quick and easy. Grand Rounds does all the work, including getting medical records.
Grand Rounds also helps you find the highest quality doctors and specialists.
Starting January 1, you can download the app, go online, or call and let Grand Rounds help you feel better about your health care needs.
Grand Rounds is only available to associates enrolled in the HSA plan.
Download the Grand Rounds app from iTunes or Google Play

20. Centers of Excellence offers:
Available only to associates enrolled in the HSA Plan
Access to specialists for:
Certain heart surgeries
Certain spine surgeries
Hip and knee replacements
Medical review for breast, lung, and colorectal cancers with onsite visit if recommended
Organ and bone marrow/skin cell transplants
Weight loss surgery
Centers of
Excellence offers:
Are you facing a serious health condition or surgery such as cardiac bypass, a spinal fusion, hip or knee replacement, breast, lung, or colorectal cancer, or maybe a transplant? Then the Walmart Centers of Excellence, or COE, program is here for you. COEs provide access to world-class specialists for these needs and more. And let’s face it, when it comes to serious health needs, we all want the best!
The Centers of Excellence program is only available for associates enrolled in the HSA plan. It covers many conditions and procedures at 100 percent after you have met your deductible. And it even includes travel expenses for you and a care giver.
In order to receive in-network benefits on the HSA Plan, you will have to use a Center of Excellence for spine surgeries and hip and knee replacements.
For more information prior to January 1, you should call People Services. After January 1, you can call your Healthcare Advisor using the phone number on the back of your Plan ID card.
Note: Some limitations apply to Centers of Excellence services. All services must be preauthorized by the program administrator.
For questions before January 1, call People Services at
On and after January 1, 2018, call Healthcare Advisor using the number on the back of the Plan ID card

21. Centers of Excellence Health Systems
Available only to associates enrolled in the HSA Plan
Cleveland Clinic – Cleveland, OH
Geisinger – Danville, PA
Johns Hopkins – Baltimore, MD
Kaiser – Irvine, CA
Mayo – Jacksonville, FL
Mayo – Rochester, MN
Mayo – Phoenix, AZ
Memorial Hermann – Houston, TX
Mercy – Springfield, MO
Northeast Baptist – San Antonio, TX
Scripps Mercy – San Diego, CA
Virginia Mason – Seattle, WA
As you can see here, Walmart offers several Centers of Excellence locations all across the nation.

22. Castlight lets associates:
Available only to associates enrolled in the HSA Plan
Search for doctors and medical services nearby
Easily compare prices
Track health care spending and deductibles
Access an online ID card
Castlight lets associates:
Are you interested in finding the best doctors, or comparing the costs of treatment?
Castlight is a free online tool that lets you search for doctors and medical services and make decisions based on cost and quality reviews. And it’s personalized, so you can use Castlight to review your past claims as well as deductible, out-of-pocket, and even Health Savings Account balances.
Starting January 1, if you are enrolled in the HSA plan, you can go online and register. Then download the free app by visiting mycastlight.com/walmart
For more information, go online to Workday or WalmartOne.com/AEeComm
Go to Workday or WalmartOne.com/AEeComm for more information.

23. Preventive care includes:
Stay heathy by making the most of preventive care benefits with $0 copays at in-network providers.
Annual physical
Well woman exam
Some lab work
Preventive care includes:
Stay healthy by taking advantage of our preventive care benefits. There’s no deductible and no cost if you use in-network doctors. Preventive care covers annual physicals, well-woman exams, annual child check-ups, and lab work.
You can find more information on what is covered under preventive care on Workday or WalmartOne.com/AEeComm and in the 2018 Associate Benefits Book.
Find more information on Preventive Care on Workday or WalmartOne.com/AEeComm and in the 2018 Associate Benefits Book

24. Healthcare advisors provide:
Available only to associates enrolled in the HSA and PPO plans as of January 1
Personalized guidance on claims, billing, and more!
Help with:
Grand Rounds
Centers of Excellence
24/7 Nurse Hotline
Nurse Care Management
Healthcare advisors provide:
Navigating health care, medical claims and treatment options can be confusing and just plain overwhelming. The health care advisor is available for personalized guidance on claims, billing, and understanding what programs are available to best meet your needs. You can find the phone number located on the back of your Plan ID card once you get it in December.
Associates can find their Healthcare Administrator by using the Plan Availability tool on Workday or WalmartOne.com/AEeComm.

25. Doctor On Demand provides:
Available only to associates enrolled in the HSA Plan
24/7 video access to doctors
Video visits covered just like regular doctor visits
Convenience at a lower cost
Doctor On Demand provides:
Skip the waiting room and see a doctor or behavioral health specialist without leaving your home with Doctor On Demand. This 24/7 service provides access to doctors online via video visits right on your computer or mobile device. It’s more convenient and costs less.
You can download the app, register, and you’ll be ready to go the next time you’re not feeling well.
Download the Doctor On Demand™ app from iTunes or Google Play

26. 24/7 telephonic support from registered prenatal nurses
Life with Baby
Available only to associates enrolled in the HSA Plan
We provide a little extra support for expectant parents. Here are a few highlights of the Life with Baby program designed with you in mind:
Maternity Program
24/7 telephonic support from registered prenatal nurses
Access to prenatal information and “What to Expect” books
Our Maternity and Life with Baby programs provide a little extra support for expectant parents. It’s designed to compliment your medical coverage with 24/7 support, access to dedicated prenatal nurses, and lots of great stuff along the way.
For more information prior to January 1, you should call People Services. After January 1, you can call your Healthcare Advisor using the phone number on the back of your Plan ID card.
For questions before January 1, call People Services at
On and after January 1, 2018, call Healthcare Advisor using the number on the back of the Plan ID card

27. Once they sign up, here’s what they’ll receive:
Quit Tobacco
Your associates can kick the habit at no cost to them with one of our Quit Tobacco programs, QuitNet and Kick Buts.
Once they sign up, here’s what they’ll receive:
Lower premiums!
Text and telephone support and counseling
Nicotene replacement therapy at no cost
Quit Tobacco
You and your spouse or partner can kick the habit at no cost to you with one of our Quit Tobacco programs. You’ll get 24/7 support, discounts on tobacco replacement therapy products – and you’ll be rewarded with lower medical premiums for living tobacco-free.
You can call Kick Buts or QuitNet to learn more about each program.
For more information, call:
Kick Buts: QuitNet:

28. Continuity of Care
We understand transitioning to a new medical plan can be stressful, especially if associates are in the middle of care.
If you are in the middle of specific care or treatment and your current doctor is not in the network, you can call your healthcare advisor to determine if it would qualify to continue care and treat your claims as in-network.
For questions prior to January 1, you should call People Services at After January 1, you can call your Healthcare Advisor.
We understand transitioning to a new medical plan can be stressful, especially if you are in the middle of care.
If you are in the middle of specific care or treatment and your current doctor is not in the network, you can call your healthcare advisor to determine if it would qualify to continue care and treat your claims as in-network.
For questions prior to January 1, you should call People Services. After January 1, you can call your Healthcare Advisor using the phone number on the back of your Plan ID card.
Aetna
BlueAdvantage of AR
United Healthcare

29. Other Health Benefits
Now, let’s take a look at all the other health-related benefits Walmart offers.

30. Preventive and diagnostic care: Annual maximum benefit:
Dental plan
Annual Deductible:
$75 per person $225 family
Preventive and diagnostic care:
100% with no deductible for Preferred dentists
Basic care:
80% after deductible
Major care:
50% after deductible
Annual maximum benefit:
$2,500 per person
Orthodontia:
80% after 12 months of coverage;
$1,500 lifetime maximum
The Walmart dental plan offers 100% coverage for preventive care.
The plan also covers basic care, such as fillings, at 80%, after the $75 deductible.
It covers major care, such as a root canal, at 50% after the deductible.
And there is 80% coverage for orthodontia care once you have been enrolled in the plan for a year.
There is a $2,500 annual maximum benefit to keep in mind.
For questions prior to January 1, you should call People Services or go online to Workday or WalmartOne.com/AEeComm. After January 1, you can call Delta Dental.
For questions before January 1, call People Services at , or go online to Workday or WalmartOne.com/AEeComm.
On and after January 1, 2018, call Delta Dental at

31. BENEFITS AVAILABLE EVERY CALENDAR YEAR
Vision plan
Routine eye exam: $4 copay
Frames: covered up to $130 after material copay
Contact lenses: covered up to $130 after material copay, instead of glasses
Contact fitting and evaluation: won’t exceed $60
Material copay:* $4
BENEFITS AVAILABLE EVERY CALENDAR YEAR
The Vision Plan is a great value offering you routine eye exams for just $4 and a $4 copay for lenses and frames.
For questions prior to January 1, you should call People Services or go online to Workday or WalmartOne.com/AEeComm. After January 1, you can call VSP.
*Applies with purchase of frames, lenses, or both. Copay is charged only once when frames and lenses are purchased together.
For questions before January 1, call People Services at , or go online to Workday or WalmartOne.com/AEeComm.
On and after January 1, 2018, call VSP at

32. Life insurance and AD&D
Company Paid Life Insurance
For full-time hourly and salaried associates
Annual pay up to $50,000
Optional Life Insurance
Coverage up to $200,000 (Hourly)
Coverage up to $1,000,000 (Salaried)
Guaranteed issue of $25,000 when newly eligible
Accidental Death & Dismemberment
Up to $1,000,000
Walmart automatically gives salaried and full-time hourly associates life insurance equal to one times your annual salary up to $50,000, at no cost to you.
All associates can enroll for optional life insurance up to $200,000 for hourly associates, and up to $1,000,000 for salaried associates. The first $25,000 of optional life insurance is guaranteed, but if you’d like to purchase more, you may need to show proof of good health.
You can also enroll for up to $1,000,000 of accidental death & dismemberment insurance coverage, which pays a benefit in the event you have a non-work related accident.
For questions prior to January 1, you should call People Services or go online to Workday or WalmartOne.com/AEeComm. After January 1, you can call Prudential.
For questions before January 1, call People Services at , or go online to Workday or WalmartOne.com/AEeComm.
On and after January 1, 2018, call Prudential at

33. Dependent life insurance
Spouse/Partner Life Insurance
Salaried and Full-Time associates eligible
Coverage up to $100,000
Guaranteed issue $5,000 when newly eligible
Child Life Insurance
Eligible children up to age 26
Coverage up to $10,000 per child
No proof of good health required
Salaried and full-time hourly associates can also buy life insurance for your spouse or partner up to $100,000. $5,000 is guaranteed, while larger amounts may require proof of good health.
Child life insurance is available to all associates for up to $10,000 per child up to age 26. No proof of good health is required.
For questions prior to January 1, you should call People Services or go online to Workday or WalmartOne.com/AEeComm. After January 1, you can call Prudential.
For questions before January 1, call People Services at , or go online to Workday or WalmartOne.com/AEeComm.
On and after January 1, 2018, call Prudential at

34. Critical illness and accident insurance
Critical Illness Insurance
Pays up to $20,000 cash for specific conditions
Accident Insurance
Pays cash for out-of-pocket expenses if injured while not at work
Sometimes you might find yourself in need of some extra cash due to a critical illness or accident. Critical Illness insurance will pay you cash if you’re diagnosed with certain conditions; up to $20,000.
Accident insurance will pay you cash in the event of an accident outside of work, such as breaking a toe or needing an ambulance.
With both these benefits, you can use the money for whatever expenses you may have.
For questions prior to January 1, you should call People Services or go online to Workday or WalmartOne.com/AEeComm. After January 1, you can call Allstate Benefits.
For questions before January 1, call People Services at , or go online to Workday or WalmartOne.com/AEeComm.
On and after January 1, 2018, call Allstate at

35. Short-term disability for salaried associates
Salaried Short-Term Disability
Provides 100% of associates’ base pay for up to six weeks after a seven calendar day waiting period, then 75% for up to 19 more weeks.
If salaried associates need time off for a personal health concern, you’re covered by the company-provided short-term disability plan. It can replace 100 percent of your base pay for up to six weeks after a seven calendar day waiting period, then 75 percent for up to 19 more weeks.
For questions prior to January 1, you should call People Services or go online to Workday or WalmartOne.com/AEeComm. After January 1, you can call Sedgwick.
For questions before January 1, call People Services at , or go online to Workday or WalmartOne.com/AEeComm.
On and after January 1, 2018, call Sedgwick at

36. Short-term disability for full-time hourly associates
Full-time hourly associates are eligible for short-term disability after one year.
The paid amount of the STD basic plan is 50 percent of an associate’s average weekly wage, up to $200 per week, at no cost to them!
If associates enroll in the STD enhanced plan, the paid amount is 60 percent of their average weekly wage, with no weekly maximum. OR
The short-term disability [basic plan] automatically protects full-time hourly associates’ paychecks if you need to be away from work for an extended time due to your own medical condition. Associates in most locations are covered by the company-provided short-term disability insurance plan. Associates who work in CA, HI, NJ, NY, and RI have access to state-sponsored STD plans.
Enrolling in the short-term disability enhanced plan can boost your benefit from 50 percent with a $200 weekly maximum to 60 percent with no weekly maximum (this plan is not available to associates in CA, HI, NJ, and RI).
Both plans pay a benefit for up to 25 weeks after a seven-calendar day waiting period.
For questions prior to January 1, you should call People Services or go online to Workday or WalmartOne.com/AEeComm. After January 1, you can call Sedgwick.
Associates working in California, Hawaii, New Jersey, New York, and Rhode Island are covered through state-sponsored short-term disability plans. Please consult your state’s resources to learn more.
For questions before January 1, call People Services at , or go online to Workday or WalmartOne.com/AEeComm.
On and after January 1, 2018, call Sedgwick at

37. Picks up when short-term disability ends.
Long-term disability
Long-term Disability
Picks up when short-term disability ends.
Provides 50 or 60 (enhanced) percent of average monthly income up to $15,000 a month.
Long-term disability coverage takes over when short-term disability payments end.
The basic plan replaces up to 50 percent of your average monthly wages when you’re out for an extended time due to a lengthy eligible illness or injury.
The enhanced plan boosts your coverage up to 60 percent.
For questions prior to January 1, you should call People Services or go online to Workday or WalmartOne.com/AEeComm. After January 1, you can call Liberty.
For questions before January 1, call People Services at , or go online to Workday or WalmartOne.com/AEeComm.
On and after January 1, 2018, call Liberty at

38. Financial Benefits
Now let’s review the financial benefits offered to you.

39. 401(k) retirement savings
You can set contributions now for 2018
Save up to 50% of eligible pay each year, before-tax, up to $18,000
Age 50+ catch-up contributions up to $6,000
After they’ve been with the company for one year, Walmart will match 100% of your contribution, up to 6% of eligible pay
You can sign up or change your savings rate at any time
401(k)
Our 401(k) program is a great way for you to save for retirement. You can open and contribute to a 401(k) account. And because Walmart believes in saving, we’ll match your contributions dollar for dollar, up to 6% of your eligible pay, generally starting one year after your original date of hire.
Make sure you don’t miss out on the Walmart match! You can enroll or make changes at any time, but Annual Enrollment is a great time to get started. Your 401(k) contributions will start in January and you can make changes at any time after.
For more information, call Merrill Lynch at or visit benefits.ml.com

40. 401(k) investment options
To make decisions easier, associates can consider a myRetirement Fund
Diversified investment mix
Based on projected retirement date
Adjusted over time to become more conservative
Most conservative fund does not change over time
Investing
made easy
We offer a do it yourself approach to 401(k) investment, with a diverse selection of investment choices to choose from.
If you are not comfortable making 401(k) investment selections yourself, you can choose an all-in-one fund that automatically adjusts as you approach retirement.
For more information, you can call Merrill Lynch Bank of America.
For more information, call Merrill Lynch at or visit benefits.ml.com

41. Associate Stock Purchase Plan
You can set your election now for stock purchases starting in 2018
You can purchase between $2 and $1,000 of Walmart stock each pay period
Walmart will match 15% of your stock purchases, up to the first $1,800
You can sign up and change contributions at any time
Associate Stock Purchase Plan
You can buy Walmart stock through the Associate Stock Purchase Plan. And when you do, Walmart will match 15% of your stock purchases, up to the first $1,800.
You can buy between $2 and $1,000 each pay period.
You can sign up during Annual Enrollment or at any other time.
For more information, call Computershare at

42. Important Reminders
Ok, we’re almost done. Now we want to cover a few reminders about important dates, key milestones, and enrollment information.

43. 2018 Annual Enrollment timeline
Annual Enrollment: Oct. 28 – Nov. 10, 2017
October 2017 S M T W F 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
November 2017 S M T W F 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
Annual Enrollment starts on October 28th and goes through November 10th. You’ll need to complete an enrollment session in Workday by November 10th if you want to have Walmart benefits in 2018.
Annual Enrollment

44. Current coverage will end on Dec. 31, 2017
Key things to remember
Current coverage will end on Dec. 31, 2017
Want coverage in 2018? Associates need to enroll during Annual Enrollment. Otherwise, they’ll need a qualifying event to elect or make changes to their coverage
Please keep in mind that current benefits will end on December 31st of this year. If you don’t enroll for Walmart benefits during Annual Enrollment, then you’ll need a qualifying event to enroll later. These include big life changes like getting married, having a baby or getting divorced, or you can enroll during the next Annual Enrollment in the Fall of 2018.
If you have questions about enrollment, you should call our People Services team.
For questions about associates’ changes in coverage at the end of the year, call People Services at

45. How to enroll for 2018 benefits
Make benefit selections based on
Office location medical plan availability
Needs and cost preferences 1
Beneficiary and dependent info will be needed
Associates should have their beneficiary information accessible along with dependent Social Security Numbers if they are enrolling dependents 2
To help you know how to complete an enrollment session, there will be a separate training for Workday.
However, here are three easy steps to help with enrollment.
Step 1, Review your tools and resources on Workday. Choose your medical benefits based on what’s available at your work location, the cost per paycheck, and your health care needs. Then choose the other benefits you’d like to enroll in.
Step 2, if you want to enroll dependents, you will need to have your beneficiary and dependent information such as social security numbers, on hand.
And Step 3, log into Workday to enroll in benefits for 2018.
Enroll through Workday
Complete an Annual Enrollment session in Workday 3

46. Tools and Resources
eComm AE Toolkit on Workday or WalmartOne.com/AEeComm – Oct. 14
People Services
M-F: 7:30am – 6:00pm CT Sat: 9:00am – 1:00pm CT
10/30/17 7:30am – 9:00pm CT 11/2/ :30am – 9:00pm CT 11/3/ :30am – 11:59pm CT 11/6/ :30 am – 9:00 pm CT 11/9/ :30 am – 9:00 pm CT 11/10/ :30 am – 11:59 pm CT
Translation assistance available in over languages!
You will have access to the eCommerce AE Toolkit on Workday or WalmartOne.com/AEeComm on October 14.
We also have a great team in Bentonville to support you. You can call the People Services group at
Language translation services are available.

47. Thank You!
“If people believe in themselves, it’s amazing what they can accomplish.”
– Sam Walton
Thank you for your time today and we hope this has helped you feel more confident about the decisions you will be making this annual enrollment. We’re happy you’re part of the Walmart family.