2014 benefits program final

2014 Benefi ts PROGRAM GUIDE

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Dear Colleague:Annual Enrollment is always an important time to learn about the Company’s benefi t offerings for the upcoming year, and ensure you and your family receive the coverage that’s right for you. Please take note of several important points this year.

Medical Cost IncreasesHealth Care Reform and the changing medical insurance climate continue to have an impact on employers, including Macy’s, Inc. While one of our goals is to effectively manage costs for everyone, you will notice higher medical premiums for the 2014 benefi ts plan year (July 2014 through June 2015).

These higher premiums are due, in part, to new fees being assessed to employer-sponsored plans to help offset the cost of the new government health care exchanges under the Affordable Care Act (ACA). In addition, our Company’s medical claims experience – the type, frequency and cost – is used to determine premiums levels. While premiums will be higher than in 2013, you will continue to receive value for comprehensive health care coverage, and Macy’s, Inc. will continue to pay more than half of the premium costs on your behalf.

Medical OptionsAs you evaluate your health care needs for the new plan year, be sure to consider our Choice option – a high-deductible health plan. The Choice plan works in conjunction with a Health Savings Account (HSA), and offers the lowest premiums, thus an affordable way to protect your health and manage your health care costs. This is a great option for many of our associates and could be right for you, too.

Looking ahead to next year (the benefi t plan year beginning July 2015), the Company will transition to a medical benefi t program known as a “Consumer Directed Health Plan,” or “CDHP.” Similar to other consumer purchases, we want you to be empowered to shop around for care while considering the cost and quality.

As part of your benefi t options, we will further equip you with more tools and resources to help you take a proactive approach to understanding your options, making informed decisions, and fi nding the most appropriate care for you and your family.

Opportunities to Live HealthyEarly detection can lead to better outcomes and reduced medical costs, so we’re providing you opportunities for you and your family to lead healthy lifestyles and enjoy a greater quality of life. For example, if you are enrolled in an Aetna or Cigna medical plan, you and your covered spouse/partner can take part in the Know Your Numbers program. Taking good care of your health is important to us, and that’s why we will once again provide you an incentive just for participating in this program!

Our goal as a company is to create an environment where benefi t options help you make the best decisions about your overall health and wellness. Take some time to explore all that your 2014 benefi ts have to offer so you can reach your health, lifestyle and fi nancial wellness goals.

Live Healthy,

Bill Allen Chief Human Resources Offi cer

Questions? Visit IN-SITE or call HR Services at 1-800-234-MACY (6229) • 3

Get the latest information right in your inbox – and enjoy the benefi ts of our emails!

Have a positive impact on our environment by signing up to get the latest benefi ts updates, reminders and legally-required materials delivered directly to your inbox.

By receiving your benefi ts information through email, you’ll help us use less paper, save trees, and reduce the material in our landfi lls!

Even if you already receive benefi ts emails, be sure to check back – we’ve added more options!

To sign-up on IN-SITE, select Personal Information from the Profi le drop-down menu – add your email address and select your preferences!

Macy’s, Inc. is required by law to provide to you Summary of Benefi ts and Coverage (SBC) charts for the medical options you are eligible for, so you may compare Macy’s, Inc. benefi t options with other options. These charts are available on IN-SITE. A glossary of terms is available at dol.gov/ebsa/healthreform.

This summary is an overview only. The terms and conditions of the benefi ts described are determined solely by the Program’s summary plan descriptions or plan documents and summaries of material modifi cations. As in the past, the Company reserves to itself, pursuant to its sole and exclusive discretion, the right to change, amend or terminate these Programs without regard to satisfaction of prior eligibility concerns. Benefi ts described herein may not automatically apply to associates at all locations or associates covered under a labor agreement or employed by a leased or licensed department.

Live Healthy program participation and results are confi dential and protected by federal and state privacy laws.

Keep This Booklet and Share It with Your Family!

Where Can You Find More?

Visit the Benefi ts section on IN-SITE for more in-depth information including:

• Benefi ts Highlights

• Common Defi nitions

• Comparison Charts

• FAQs

• Important Forms

• Summary Plan Descriptions

• Videos

• and much more!

HR Services can help! Call 1-800-234-MACY (6229). For assistance in other languages, ask for the “Language Line.”

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What’s InsideAnnual Enrollment

Enrollment Checklist .......................................................................................... 5

What’s New or Changing July 1, 2014 ............................................................... 6

Health Care Reform ............................................................................................ 6

Live HealthyMedical Options ................................................................................................. 7

Dental Options ................................................................................................... 7

Prescription Drug Program ................................................................................. 8

Employee Assistance Program (EAP) ................................................................. 8

How To Be a Health Care Consumer ............................................................9 –10

Free Tips & Tools to Save on Health Care ........................................................ 11

Know Your Numbers ...................................................................................12 –13

Metabolic Syndrome ........................................................................................ 14

Free Health Plan Programs ............................................................................... 15

Enjoy LifeFlexible Spending & Health Savings Accounts ................................................. 16

Income Protection ............................................................................................ 17

Optional Life Insurance & AD&D Programs ..................................................... 18

Additional Benefits ........................................................................................... 19

Save Actively

Retirement Program .................................................................................. 20 – 21

Additional InformationEligible Dependents & Qualifying Events ........................................................ 22

Helpful Resources ............................................................................................. 23


Enrollment Checklist

Annual Enrollment is May 22 – June 10, 2014

Annual Enrollment is the time to enroll in or make changes to your benefi ts.

If you take no action, your current elections will remain in effect for the 2014 plan year (July 1, 2014 – June 30, 2015), with the exception of Flexible Spending Accounts (health care and/or dependent care FSAs). If you wish to participate in an FSA, you must re-enroll every year.

Even if you’re not making changes, it’s always a good idea to review your elections, premium costs and benefi ciary information.

Familiarize yourself with the options throughout this booklet, including the important changes on page 6.

Consider your medical needs and expenses for the year. Are you enrolled in coverage that meets your needs? Have you considered your FSA or Health Savings Account (HSA) contributions?

Enroll in, change or waive your benefi ts by visiting the “Enroll Now” link on the “Benefi ts” page of IN-SITE. Your annual enrollment link will be active May 22 – June 10, 2014.

Get the latest information right in your inbox! During the enrollment process, you’ll have the option to opt-in to receive important benefi ts information via email.

Verify your mailing address.

Review and update your benefi ciaries and enrolled dependents – check birthdates and Social Security numbers.

Review and update your tobacco designations.

Once you’ve fi nished making your elections, click the “Confi rm Elections” button or your updates will not take effect!

Email or print your Confi rmation Statement for your records.

• Contribution changes will appear on your pay statements beginning in July 2014. Remember, if you do not enroll, change or waive your benefi ts now, you will not have an opportunity to make changes until the next Annual Enrollment period, or when a qualifying event occurs.

• It’s also a great time to review your 401(k) Plan contributions. Review page 20 for more information about saving for your future.

What’s New or Changing July 1, 2014

Health Care ReformThe Affordable Care Act is designed to provide more Americans with access to health care. Our goal as a company is not only to comply with this law, but also to help you navigate through the changes.

You may ask, “Do I have to enroll in medical coverage?” Choosing to enroll is a personal decision. Securing medical coverage may offer peace of mind and it’s an important factor in maintaining overall health and well-being. The IRS plans to assess penalties to individuals on their 2014 income tax returns if they do not obtain or maintain coverage in 2014.

If you missed the Health Insurance Marketplace’s March 31, 2014, enrollment deadline for medical coverage, you may consider enrolling in coverage through Macy’s, Inc. (if you are eligible). If you do not enroll in the Macy’s, Inc. Health Care Program, the next Health Insurance Marketplace annual enrollment is scheduled for Oct. 1, 2014, for coverage effective Jan. 1, 2015. Please note, if you elect pre-tax coverage through Macy’s, Inc., you cannot cancel your coverage to enroll in coverage through the Health Insurance Marketplace.

Visit the Benefits section of IN-SITE and select, “Health Care Reform” to access helpful videos, FAQs and a link to the Health Insurance Marketplace website (healthcare.gov; cuidadodesalud.gov).

Medical (see page 7 for details)

Choice Select and Choice Premier Medical Options Copayments will now go toward reaching the plan’s out-of-pocket maximum.

For Choice Select the family in-network out-of-pocket maximum will decrease to $12,700.

Optional Life Insurance (see page 18 for details)

Optional Life Insurance Program During this Annual Enrollment only, current participants can increase coverage one multiple of pay without a Statement of Health.

Coverage of 7 or 8 times (up to maximum of $2.5 million) may now be elected.

Prescription Drug Program (see page 8 for details)

Express Scripts, Inc. (ESI) Copayment maximums increased by $10.

A new tier has been added for specialty drugs, with a $150 copay per 30 days.

Flexible Spending and Health Savings Accounts (see page 16 for details)

Health Care and Limited Flexible Spending Accounts Participants can now carry over $500 to the next plan year.

Health Savings Account The contribution limit for an individual increases to $3,300, and the limit for families increases to $6,550.

Kaiser California Medical Options These options are discontinued for new enrollees.

Know Your Numbers Incentive The program incentive of $50 or $100 per month will be paid January – June 2015. Check out pages 12–13 for more details.

Dependent Care Flexible Spending Accounts Beginning in July 2014, part-time associates will no longer be eligible to participate in the Dependant Care FSA program.

The highly-compensated executives contribution limit decreases to $1,000.

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Don’t forget, when you enroll in a Healthy Choices option, you can take advantage of several Live Healthy programs with incentive

opportunities!

Medical OptionsThere are three Healthy Choices options administered by Aetna and Cigna from which to choose. All Healthy Choices options – Choice, Choice Select and Choice Premier – provide benefi ts and services through a national network of providers.

The Choice option is a “high-deductible health plan” (HDHP), meaning you pay less out of your paycheck, but your deductible will be higher when you need services. An HDHP is intended to work with a Health Savings Account (HSA). Be sure to consider this option to help protect your health and manage your health care costs.

If you enroll in Choice Select or Choice Premier, you’ll pay copayments for services such as doctor offi ce visits and prescription drugs.

See page 16 for details on how the Healthy Choices plans work with HSAs and FSAs.

Effective July 1, 2014, for the Choice Select and Choice Premier medical options, copayments will now go toward reaching the plan’s out-of-pocket maximum. Additionally, for

Choice Select, the family in-network out-of-pocket maximum will decrease from $15,000 to $12,700. Be sure to review the Comparison Charts and Summary Plan Descriptions on IN-SITE for coverage details.

Certain geographic areas offer an additional HMO option, which requires you to use a limited network of providers and select a primary care physician.

In order to comply with the new benefi ts eligibility waiting periods mandated by state and federal laws, the Kaiser California option will no longer be offered to new enrollees, effective July 1, 2014. However, if you are enrolled as of June 30, 2014, you may choose to continue your Kaiser coverage for the new plan year, as long as you remain eligible and enrolled.

A tobacco surcharge will apply again for the new plan year. See page 15 for details on free tobacco cessation programs.

METLIFE MOBILE metlife.com/mybenefi ts | (888) 262-4883

Dental OptionsMetLife dental options are offered to eligible part-time and full-time associates. Hawaii and Guam residents are offered Hawaii Dental Service (HDS). Both MetLife and HDS offer a PPO network, meaning you can go to any provider you choose, but signifi cant discounts apply if you stay in-network.

Depending on your zip code, you may also be offered the Aetna DMO option. You must select a primary care dentist in the Aetna DMO network if you choose this option.

Schedule your regular dental check-ups! Each plan year, participants receive two in-network dental cleanings at absolutely NO COST!

8 • Live Healthy

Prescription Drug Program If you’re enrolled in Aetna, Cigna, or HMSA (Hawaii), your prescription drug coverage is administered by Express Scripts, Inc. (ESI).

If you’re on a maintenance medication, sign-up for ESI’s home delivery program, and enjoy the convenience of having your medications shipped to your home.

• Copay maximums for prescription purchases are increasing by $10.

• Also, a new specialty drug tier has been added. Specialty drug copays are increasing to $150 for a 30-day supply, and $450 for a 90-day supply. Please note, 90-day supplies of some specialty medications are not available.

2014 Prescription Drug Chart for Retail and Home Delivery Purchases

Retail – 30-day Supply Home Delivery – 90-day Supply

Premier & Select

Generic 20% coinsurance; with a 20% coinsurance; with a $10 min and a $40 max copay $25 min and a $100 max copay

Brand 30% coinsurance; with a 30% coinsurance; with a $20 min and a $70 max copay $50 min and a $175 max copay

Non-formulary Brand 50% coinsurance; with a 50% coinsurance; with $35 min and a $110 max copay $87.50 min and a $275 max copay

NEW Specialty $150 copay, 30-day supply $150 copay, 30-day supply $300 copay, 60-day supply $300 copay, 60-day supply $450 copay, 90-day supply $450 copay, 90-day supply

Choice 20% coinsurance after deductible 20% coinsurance after deductible

Visit IN-SITE to view the formulary, a listing of preferred generic and brand name prescription medications. Generic medications are the clinical equivalent of their brand name counterparts. You’ll also fi nd a listing of specialty drugs, drugs requiring prior authorization, drugs with limitations and those not covered.

Home delivery is safe and easy and can be less expensive than a traditional pharmacy!

Employee Assistance Program (EAP) The Optum Employee Assistance Program (EAP) provides free, confi dential 24/7 support for those everyday challenges, more serious problems and everything in between. This program is available to everyone enrolled in a Macy’s, Inc. medical plan, including family members.

Through the EAP, you can access help and resources for situations such as: locating elder care; securing credit and fi nancial counseling; managing marital issues; depression; parenting or work-related stress; and coping with the loss of a loved one.

Receive assistance over the telephone, or make arrangements to meet face-to-face with an approved counselor in your area, and receive up to fi ve covered visits.

Access the EAP: 1-888-980-8115; liveandworkwell.com; Access Code: 5921


How To Be a Health Care Consumer Being a “heath care consumer” means making informed decisions around your health care, including providers, procedures, and costs, which can save you money and lead to better outcomes. Health care consumerism is taking a proactive, hands-on approach to your health care needs, and understanding all of your options. Like with other consumer purchases, you should evaluate your health care options, determine how much each will cost and make the right decisions for your needs.

What Is It? Details

The amount you pay each paycheck for your medical option. You must pay your premium to keep your coverage active, regardless of whether you use it or not.

Varies by medical option. To review premium rates for the 2014 plan year, visit IN-SITE.

The amount you pay every year toward your medical bills for non-preventive services before the plan starts sharing costs with you.

Varies by medical option. If your plan has a $900 in-network deductible, you pay your own medical bills up to $900 for the year.

The percentage of the cost you’ll pay for medical care once you meet your deductible.

Varies by medical option. If you have an “80/20” plan, the plan pays for 80% of the costs after you’ve met your deductible. You pay for 20%, up to your out-of-pocket maximum.

The fl at fee you pay every time you go to the doctor or fi ll a prescription.

Varies by service and plan. If your plan has a $25 copayment for doctor’s offi ce visits, you pay $25 each time you go.

The maximum amount you’ll pay for health care each plan year, including your copays and deductible, before the plan pays at 100%.

Varies by medical option.

Premium

Copayment (or “copay”)

Deductible

Coinsurance

Out-of-Pocket Maximum

Preventive Services

Routine health care services that include screenings, check-ups and immunizations that are covered at 100%.

There’s no charge for these services; the plan covers at 100%.

Where Do You Start?

GET TO KNOW YOUR PLAN. The fi rst step is to understand your coverage. Review Benefi t Comparison Charts available on IN-SITE. These charts provide details about the services your plan covers so that you know your options and can be prepared.

UNDERSTAND THE “NUMBERS.” Health care costs include deductibles, coinsurance and copayments, which all work together to pay for health-related expenses. When you have a clear understanding about all the costs, you feel in control, helping you make the right choices.

USE TIPS AND TOOLS TO EVALUATE COST AND QUALITY. Cost and quality are two very important factors when considering your health care expenses. Prices for medical services can vary greatly – even for the same procedure, in the same area, with the same coverage. Quality can vary just as greatly, too, often with no relationship to the price you pay. The only way to know whether you’re getting good care at a reasonable price is to be a good health care consumer. For details and help, check out the tips and tools on page 11.

Key Terms to Get to Know Your Plan and Understand the “Numbers”

10 • Live Healthy

Key Plan Features of the Healthy Choices Options

Plan Feature Choice Choice Select Choice Premier

In-network Annual Deductible $1,500 / $3,000 $900 / $2,700 $700 / $2,100 (individual/family) (includes prescriptions)

In-network Out-of-pocket $5,000 / $10,000 $5,000 / $12,700 $4,000 / $12,000 Maximum (individual/family)

In-network Primary Care You pay 20% coinsurance after $25 / $35 $25 / $35 Physician Office Visit/ deductible (up to your out-of- Specialist Office Visit Copay pocket maximum)

In-network Preventive Care Covered at 100% Covered at 100% Covered at 100%

In-network Coinsurance You pay 20% You pay 30% You pay 20% After Deductible (up to your out-of-pocket maximum)

HSA contribution from you Total HSA contribution cannot None; you cannot None; you cannot exceed the IRS limit of $3,300 contribute to an HSA contribute to an HSA for individual coverage, or $6,550 for family coverage

Health or Limited FSA $2,500 (IRS limit); you can only $2,500 (IRS limit) $2,500 (IRS limit) contribution from you contribute to a Limited Flexible Spending Account

To review and compare detailed plan features, visit the “Benefits” section of IN-SITE to review the Benefit Comparison Charts and Benefits Highlights.

Consider the Choice OptionA high deductible health plan is an economical way to help protect your health because it provides greater control over your own health care expenses. Here’s how it works:

• Your deductible is higher than other health plans, but your premium is lower (meaning less comes out of your paycheck),

• You cover 100% of routine health care expenses until your plan year deductible is met, and

• Once you meet your deductible, you pay 20% (coinsurance) of your of your health care costs up to your out-of-pocket maximum.

• Plus, with Choice, all your health care and prescription drug costs apply toward the overall deductible and out-of-pocket maximum.

The Choice option coordinates with a Health Savings Account (HSA) to pay for qualified medical and prescription drug expenses. You can also enroll in the Limited Flexible Spending Account to pay for eligible dental and vision expenses. With your premium being lower, consider putting the additional funds into your HSA to help cover costs. See page 16 for more details on HSAs.


Free Tips & Tools to Save on Health CareFrom providers to prescriptions, use these 17 FREE cost-saving tools and effective tips to make informed decisions and manage your health care expenses.

• STAY IN-NETWORK You’ll pay less for services and your co-insurance and out-of-pocket maximum will be lower, too.

• 24-HOUR NURSE LINE Anytime, any day, receive answers to your health questions by a licensed professional. Know before you go! The cost difference between a visit to the ER, urgent care and your doctor’s offi ce is hundreds of dollars. Take control of your health care spending and use this resource to help you make the most informed decision.

• iTRIAGE An Aetna mobile app that anyone can use. Figure out what could

be wrong, and where you can go to get treated.

• CONSIDER A FREE-STANDING RADIOLOGY PROVIDER A freestanding radiology provider is not affi liated with, or part of, a hospital. You’ll most likely pay a lower amount out of your pocket when you use a freestanding facility instead of a hospital for radiology services such as CT scans and MRIs.

• QUEST DIAGNOSTICS Consider Quest Diagnostics, an in-network provider, for affordable lab work. It’ll save you money!

• POWER IN PREVENTION Take advantage of the plan’s free in-network preventive care services. Check-ups, recommended immunizations and screenings not only keep you in tip-top shape, but detect issues early to save even more on future health care costs.

• GO GENERIC Ask your doctor for a generic equivalent – they cost less, are FDA-approved and are equally-effective for most people.

• USE ESI HOME DELIVERY Save time and money! 90-day supplies cost less than a traditional pharmacy. You also have unlimited access to pharmacists day or night.

• EXPRESS SCRIPTS MOBILE APP View lower-cost

options; sign-up, refi ll or renew with home delivery.

PRESCRIPTIONS

MEDICAL SERVICES

Aetna & Cigna

aetna.com

• ONLINE MEMBER PAYMENT ESTIMATOR

•

•

• AEXCEL® NETWORK DESIGNATION

•

•

• WELVIE Use this free, online decision tool to help you decide if a surgery is right for you. (Upon login, select

“Care & Treatment,” then “Prepare for Surgery”).

•

• Aetna Mobile App

myCigna.com

• ONLINE COST CARE ESTIMATOR

•

•

• CIGNA CARE DESIGNATION

• CLEVELAND CLINIC MYCONSULT SERVICE Free, secure, online access to Cleveland Clinic’s physician specialists for over 1,100 diagnoses.

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• myCigna Mobile App

SHOP AROUND & COMPARE PRICES Compare costs for services, facilities and providers in advance. Create a true estimate of your payment responsibility

based on the plan you’re in.

GO FOR QUALITY When looking for providers, look for these designations – they are only given to providers who meet specifi c

clinical quality criteria.

SEEK A SECOND OPINION The fi rst recommendation for treatment may not always be the best from a cost and quality standpoint. Make fully-

informed decisions about your healthcare by seeking alternate opinions.

THE SUPPORT YOU NEED WHILE ON THE GO

12 • Live Healthy

Know Your NumbersWhen you know your numbers – such as height, weight, blood pressure, cholesterol, body mass index and glucose (blood sugar), you are taking a big step toward understanding and improving your overall health. Plus, you can identify health issues, such as metabolic syndrome, early.

Participation Is Easy!

1Complete Your Wellness Screening: Feb. 1 – Aug. 31, 2014 Visit a Macy’s On-Site Screening Event, Quest Diagnostics Patient Service Center (PSC) or your physician.

– AND–

2Complete and Submit Your Online Health Assessment: July 1 – Aug. 31, 2014 Beginning (no earlier than) July 1, simply visit your carrier’s website to complete by Aug. 31, 2014.Aetna participants: visit aetna.comCigna participants: visit mycigna.com

– THEN–

You’ve earned the Medical Premium Reduction Incentive Complete steps 1 & 2 no later than Aug. 31, 2014, and you will receive a $50 premium reduction per month if either you or your spouse/partner complete both steps in the program, or $100 premium reduction per month if both you and your spouse/partner complete both steps in the program. The incentive will be paid January 2015 – June 2015.

COMPLETE BY: Aug. 31, 2014WHO CAN PARTICIPATE: Associates and covered spouses/partners enrolled in a Macy’s, Inc. Aetna or Cigna medical plan. Please note, associates covered by a collective bargaining agreement may be excluded.

AETNA AND CIGNA MEMBERS

Receive a $50 or $100/month premium reduction if you and/or your spouse/partner participate.Paid January – June 2015.


Know Your Numbers – Additional Details

1Complete Your Wellness Screening Feb. 1 – Aug. 31, 2014

Three convenient screening options:

A QUEST DIAGNOSTICS PATIENT SERVICE

CENTER (NEARLY 2,000 LOCATIONS NATIONWIDE)

A QUEST DIAGNOSTICS ON-SITE SCREENING

EVENT (SELECT MACY’S LOCATIONS ONLY). To schedule your appointment for either of these options, visit my.blueprintforwellness.com or call 1-866-908-9440, registration key: macys. You’ll need to provide your 8-digit associate ID (ex. 12345678). Spouses/partners will need to use the primary cardholder’s 8-digit associate ID plus ‘S’ (ex. 12345678S). If both participants are Macy’s, Inc. associates, both must use the primary cardholder’s associate ID number. Provide your own date of birth.

Please note, Quest Patient Service Centers and

Call Centers are closed on Sundays.

YOUR PHYSICIAN’S OFFICE. If you choose this

option, your physician must complete the 2014

Physicians Results Form located on IN-SITE, so

be sure to print the form. Any payment required

by your physician to complete the form will not

be reimbursed by Macy’s, Inc.

You or your physician must fax the completed form to Quest Diagnostics at 1-855-794-1391, no later than Aug. 31, 2014. Be sure to keep a copy of the fax transmittal for your records.

2Complete and Submit the Confidential Online Health Assessment: July 1 – Aug. 31, 2014

Simply visit your carrier’s website between July 1 and Aug. 31 to complete (or update if previously participated) your online health assessment; you’ll answer a series of questions about your health and lifestyle habits. If needed, you may complete your health assessment before you receive your screening results (not before July 1, 2014), but you should go back and input your results when you receive them. Your results and answers are confidential and no one at Macy’s, Inc. can access them.

Aetna participants: visit aetna.com; Cigna participants: visit mycigna.com.

First time users need to register and create a User Name/ID and Password.

Earn the Medical Premium Reduction Incentive!To earn the incentive, associates must be actively employed; associates on leave of absence

will not receive the incentive until they return to work, but the incentive will be paid retroactively. Associates who terminate active coverage but enroll in COBRA will continue to receive the incentive. Monthly premium reductions will be paid out January 2015 – June 2015.

Both Quest Diagnostic options are

free and you will receive your results from Quest

Diagnostics in approximately 3–5 days via email (if applicable) and 2 –3

weeks via mail.

14 • Live Healthy

Metabolic SyndromeMetabolic syndrome is a group of fi ve risk factors. While individually these conditions may not be serious, together they increase the risk of cardiovascular problems, heart disease, diabetes, stroke and other serious medical conditions. If you have three or more of the listed risk factors, you are classifi ed as having metabolic syndrome.

1

HIGH BLOOD PRESSURE GREATER THAN 130/85 MMHG.

2 HIGH FASTING BLOOD SUGAR (GLUCOSE) GREATER THAN 100 MG/DL.

3 ELEVATED TRIGLYCERIDES GREATER THAN 150 MG/DL.

4 A LOW HDL CHOLESTEROL LEVEL BELOW 50 MG/DL FOR WOMEN AND BELOW 40 MG/DL FOR MEN.

5 A WAIST CIRCUMFERENCE GREATER THAN 35 INCHES FOR WOMEN AND 40 INCHES FOR MEN.*

*Please note, BMI is collected with a Know Your Numbers screening; you may want to follow-up with your doctor for a waist circumference screening.

If you’re at risk, be sure to schedule an appointment with your doctor today. For more information on metabolic syndrome, speak with your doctor, visit your carrier’s website, or visit IN-SITE.

DO YOU HAVE A PRIMARY CARE

PHYSICIAN? If not, visit your carrier’s website to search for a provider that’s close to you. When choosing a provider, consider one that is in-network.

According to the American Heart Association, metabolic syndrome can lead to ...

higher medical costs1.6x

increased risk for heart attack or stroke

2x

5xincreased risk for developing diabetes

The next time you’re at the grocery store or pharmacy, try out a free blood pressure kiosk!


Free Health Plan Programs1 Healthy Lifestyle

Coaching Program The Healthy Lifestyle Coaching program offers Aetna and Cigna members the opportunity to work one-on-one with a highly-trained wellness coach. The program allows you and enrolled dependents to choose a goal to achieve, whether it’s to stop using tobacco, lose weight, exercise more, or manage stress and depression – you make the call.

When you enroll, your wellness coach will stay with you throughout the program and celebrate your successes. Contacting your coach is easy and convenient – by telephone, chat or email. You can also access online programs 24/7 to enhance your coaching sessions. It’s easy to get started, just contact Aetna at 1-877-290-4539 or Cigna at 1-800-558-8361 to enroll! All other medical plan participants (tobacco cessation only), call CareAllies Quit Today at 1-866-427-7848, option 2; mycareallies.com (password: macys). For alternative tobacco cessation plans, contact HR Services.

2 Nurse Advisor Program

The Nurse Advisor Program offers Aetna and Cigna members a team of reliable, compassionate health specialists – including individuals trained as nurses, coaches, nutritionists, clinicians and counselors – who will listen, understand your needs and help you fi nd solutions, even when you’re not sure where to begin. The program offers:

• Partnership and support with a Nurse Advisor team member;

• Assistance to better manage conditions, such as lower back pain, arthritis or high blood pressure;

• Information to better understand your treatment options – so you and your doctor can choose what works for you; and

• Answers to questions about your benefi ts and fi nding your way through the health care system.

3 24-Hour Nurse Line

It’s 2 a.m. and your child has a fever. You’re traveling, and aren’t feeling well. Do you go to the emergency room or wait to call your doctor in the morning? The answer is as close as the telephone.

Aetna and Cigna participants can access support 24/7 when you need answers to your health care questions or help understanding treatment options. The 24-Hour Nurse Line number is listed on the back of your ID card; your call is always free and confi dential.

4 Disease Management Program

If you or your dependents suffer from conditions such as diabetes, cardiovascular disease, COPD/Asthma or other health risks identifi ed through the Know Your Numbers program and/or pharmacy and medical claims, a member of the Nurse Advisor Team may contact you. You can also reach out to the Nurse Advisor Team.

Actively engage in disease management coaching sessions that address specifi c health risks to be eligible for a $300* paycheck deposit. In order to receive the incentive, participants must complete program goals, including a preventive screening.

*Only one incentive per enrolled participant per plan year to those participants who qualify and complete the program.

16 • Enjoy Life

Flexible Spending Accounts (FSA)An FSA is an easy way to set aside money tax-free for qualified expenses. You then have a “spending” account to pay for these expenses during the year. You do not need to be enrolled in the Company’s Health Care Program to participate in the Health Care, Limited or Dependent Care FSA Programs.

A Health Care FSA (HCFSA) covers eligible out-of-pocket health care expenses for medical, prescription, dental and vision incurred during the plan year for you and your dependents that you claim on your taxes, even if they are not enrolled in medical coverage.

If you enroll in a high-deductible health plan, you may consider a Limited FSA (LFSA), which covers eligible out-of-pocket expenses for dental and vision. An LFSA often accompanies a Health Savings Account (HSA), which covers medical expenses.

The 2014 plan year contribution limit for FSA and LFSA is $2,500.

Some FSA-eligible expenses include: copayments and deductibles; prescription medications; dental care and orthodontia; eye exams, glasses, lenses and more. For more

information on eligible expenses, review the FSA Benefits Highlights on IN-SITE, or visit Bank of America’s website or IRS.gov.

A Dependent Care FSA (DCFSA) allows you to set aside pre-tax dollars for eligible dependent care expenses related to child and elder care that allow you and your spouse (if applicable) to work. The 2014 plan year contribution limit for a family is $5,000*. Please note, part-time associates are no longer eligible to participate.

*The DCFSA contribution limit for highly-compensated executives (those earning in excess of $115,000 in the 2014 calendar year) is $1,000.

Pay for qualified medical, dental and dependent care expenses with pre-tax

money!

IRS rules now allow carryover of up to $500 of any remaining unused FSA funds, as of the end of the plan year to the immediately following plan year. If you participated in the FSA program in the 2013 – 2014 plan year, any unused contributions under $500 in your FSA will be carried over to the new plan year; any contributions over $500 remaining in your FSA at the end of the plan year and not claimed by Sept. 30, 2015 will be forfeited.

Health Savings Account (HSA)An HSA is a savings account to pay for current and future medical expenses. You can elect a Company-sponsored HSA if you are enrolled in the Choice medical option, and use it to pay for qualified medical expenses for yourself and your dependents who are enrolled in the Choice medical option. You can also use it to pay for eligible expenses for your spouse and dependents, even if they are not enrolled.

At the end of each plan year, unused funds in the HSA are not forfeited; they rollover from year-to-year. You can change or stop your payroll contributions to your HSA during the year by calling HR Services. Please note, there is a monthly maintenance fee for an HSA account.

The HSA contribution limit for an individual is $3,300, and the limit for families is $6,550.

Questions? Visit IN-SITE or call HR Services at 1-800-234-MACY (6229) • 1716 • Enjoy Life

Income Protection Think about living a few months or even a few weeks without a paycheck. How would you:

• pay for food and cell phone expenses,

• pay your rent and utilities, or

• pay credit cards and other bills?

Short term disability insurance covers the “short term”– the first few weeks or months of disability, while long term disability insurance picks up where short term disability insurance ends.

Hourly Short Term Disability (STD)Generally, a disability certified by a physician may qualify for benefits under the plan. Disability resulting from pregnancy, an accident or an illness that keeps you from working are examples that may qualify for STD benefits. Some illnesses and accidents may be excluded from coverage.

Prudential is the short term disability administrator for hourly associates. Payments begin after a waiting period of three or seven days, and will continue until you are able to return to work, or a maximum of 180 days (whichever comes first). If your work state has statutory disability benefits, those benefits are an offset to the benefits you receive under the Macy’s, Inc. program. You will be asked to complete a Statement of Health if you enroll anytime after your initial eligibility.

To learn more about the STD program, including cost calculators, visit prudential.com/macys, or scan the code.

Long Term Disability (LTD)Enrolling in long term disability coverage provides income protection during a serious illness or an extended period of disability. Payments begin after you have missed 180 days of work due to a disability, or in other words, after your short term disability ends. Long term disability is offered to eligible part-time and full-time hourly and executive associates, administered by Prudential and Cigna, respectively.

Example of How STD and LTD WorkJessica’s expected date of delivery was Oct. 1; however, on April 1, she developed complications and was put on bed rest for the duration of her pregnancy. Jessica was enrolled in STD, which paid benefits for 26 weeks, through Sept. 30.

As of Sept. 30, Jessica had not yet delivered. Luckily, Jessica also had LTD coverage, which paid benefits once her STD coverage ended on Oct. 1, through her return to work date of Nov. 12.

Regardless of your age, disability insurance helps you by replacing part of your income if you are unable to work.

18 • Enjoy Life

Optional Life InsuranceThe Optional Life Insurance Program offers fl exibility in options and the benefi t of group rates. You can provide coverage and fi nancial security for yourself and eligible family members.

ASSOCIATE LIFE INSURANCE: You may enroll in multiples from ½ times up to eight times your annual pay (maximum coverage of $2.5 million). If you enroll when fi rst eligible, no Statement of Health is required if you elect the lesser of three times pay or the highest multiple of pay that does not exceed $500,000.

SPOUSE/DOMESTIC PARTNER LIFE INSURANCE:

A fl at amount of $10,000 is available. A Statement of Health may be required.

CHILD LIFE INSURANCE: A fl at amount of $5,000 is available for your dependents up to age 26, with no Statement of Health.

ADDITIONAL FEATURES:

• LIVING BENEFIT: You can withdraw up to 50 percent of your coverage amount if you are diagnosed with a terminal illness (as defi ned in the plan).

• TOTAL AND PERMANENT DISABILITY

COVERAGE CONTINUATION: Continue your coverage if you become totally and permanently disabled while enrolled.

• CONVERSION TO AN

INDIVIDUAL POLICY: You may elect to continue coverage under an individual policy with MetLife if your employment terminates for any reason.

Will Preparation ServicesHaving an up-to-date will is one of the most important things you can do for your loved ones. If you’re enrolled in the Macy’s, Inc. Optional Life Insurance program, you have access to legal services for will preparation that helps you ensure your family’s future should something happen to you. Be sure to take advantage of this free benefi t so your assets may be distributed in accordance with your wishes.

Access the service by contacting Hyatt Legal Plans, a MetLife company, at 1-800-821-6400, Macy’s, Inc. Group Number: 28879.

Associates participating

in the Macy’s, Inc. Optional Life Insurance Program can access Will Preparation Services for absolutely no cost!

Don’t miss this one-time opportunity!

For July 2014, current Optional Life participants may increase their coverage one multiple of pay without providing a Statement of Health (up to the maximum coverage of $2.5 million). For example, if you currently have six times your annual pay, you may now increase your coverage to seven times your annual pay without a required Statement of Health.

Accidental Death & Dismemberment (AD&D) The AD&D program provides a lump sum payment due to an accidental death or the dismemberment/loss of use of a limb, hearing and/or eyesight as the direct result of an accident. You may choose individual or individual + family coverage in multiples from ½ times up to 10 times your annual pay (with a maximum coverage

up to $1.5 million).

ADDITIONAL FEATURES: The program also offers a number of advantages – from services to ease your mind while traveling to special benefi ts for you or your surviving family members, such as: special education and retraining; home alteration/vehicle modifi cation; fi nancial aid for hearing aid or prosthetic device; surviving spouse/domestic partner retraining benefi t; day care benefi ts; global travel assistance and more.

Questions? Visit IN-SITE or call HR Services at 1-800-234-MACY (6229) • 1918 • Enjoy Life

Additional Benefi tsAssociate DiscountAssociates and their eligible dependents are entitled to receive discount shopping privileges at all Macy’s and Bloomingdale’s stores, Bloomingdale’s Outlets and on macys.com and bloomingdales.com. Associate discount is a “back offi ce”discount and will be applied to your monthly credit card statement. In addition to the base discount of 20 percent (on most items), you are also eligible for extra discount events during select dates each year.

Paid Time Off (PTO)Our Paid Time Off program provides needed time to help you balance your work and personal life. To review your eligibility and view your PTO balance, visit IN-SITE and select “My Schedule Plus.”

Third-Party Partner Discounts As a Macy’s, Inc. associate, you have access to special discounts with other companies and retailers such as Apple, Verizon and more! Discounts include gyms/fi tness centers, education, cell phone plans, fi nancial services and more! Visit EmployeeConnection.net and click the “Resources” tab to view the complete list of partner sites to begin enjoying special discounts and savings. New opportunities are always being added, so check back often!

Commuter Benefi tsTransitCenter offers its TransitChek Premium program to pay for public transportation (bus, subway, ferry, etc. – depending on the area) or to pay for parking on a pre-tax basis. You may be able to purchase vouchers and pre-paid debit cards to pay for these expenses. To see if TransitCenter offers products in your area, select “Commuter Benefi ts” from the “Benefi ts” page on IN-SITE.

Other Benefi tsSee your HR representative for details on additional benefi ts such as leave sharing and adoption assistance.as leave sharing and adoption assistance.

20 • Save Actively

Retirement ProgramThe more you save, the more the Company will match – so now is the time to Save Actively.

No matter your stage of life or fi nancial situation, planning for your fi nancial future is within reach. To help you achieve your goals, the Company offers Save Actively, the Macy’s, Inc. Retirement Program.

When you take advantage of the Save Actively program, whether contributing to the Macy’s, Inc. 401(k) Plan or using the interactive tools and personalized resources, the Company works with you to save for retirement and your life after Macy’s or Bloomingdale’s. To be eligible for the Macy’s, Inc. Retirement Program, you must have 1,000 hours of service in a calendar year and be at least age 21.

401(k) Contribution OptionsYou have several 401(k) Plan contribution options available to you as a Macy’s or Bloomingdale’s associate – each with its own advantages. You have the power to choose the option that works best for you! The IRS 2014 maximum contribution limit is $17,500.

Pre-Tax OptionYou can make pre-tax contributions to your 401(k) account, which allows you to contribute before federal and state taxes have been paid, and reduces your taxable income, until you make a qualifi ed withdrawal from your 401(k) account.

Roth OptionIf you would like to contribute on an after-tax basis but would still like to receive the Company match, the after-tax Roth option may be for you. Roth contributions share many of the benefi ts of after-tax contributions and qualifi ed withdrawals are tax-free!

After-Tax* OptionIn certain cases, you can make an after-tax contribution to your 401(k) account; however, there is no Company match on your after-tax contribution.

401(k) Contribution Eligibility

Pre-Tax ✔ Match Eligible

Roth ✔ Match Eligible

After-Tax ✘ Not Match Eligible

Company MatchWhen you make a pre-tax or Roth contribution to your 401(k), the Company matches a portion of that contribution annually. That’s free money for you, just for participating!

When you contribute 6% of your pay, you will receive a 100% match on the fi rst 1% of your contribution, and a 50% match on the next 5%, which equals a 58.3% match.

Questions? Visit IN-SITE or call HR Services at 1-800-234-MACY (6229) • 2120 • Save Actively

Catch-up ContributionsParticipants age 50 and above can make additional pre-tax “catch-up contributions” up to $5,500, allowing you to save even more as you get closer to retirement.

*There are limits if you are considered a highly-compensated executive. IRS limits prohibit Macy’s, Inc. associates who earn $115,000 or more in 2014 from making after-tax contributions. This income level may change from year to year.

Benefi ts OnLine® Benefi ts OnLine is the perfect place to quickly access the personalized information, tools and advice you need. You can easily access Benefi ts OnLine through the Benefi ts page on IN-SITE.

My Financial Life From budgeting basics to advanced risk assessment, My Financial Life coaches you on managing your fi nancial options for your whole life. You’ll also fi nd tools such as:

RETIREMENT PLANNING CALCULATOR: Are you saving appropriately to support your vision for your life after Macy’s or Bloomingdale’s? Use the Retirement Planning Calculator to calculate a custom retirement estimate that refl ects your goals, so you can create a plan to get you there.

TAKE HOME PAY CALCULATOR: How much can you afford to contribute to the 401(k) Plan? No need to guess. Use the Take Home Pay Calculator to fi nd out how your paycheck will actually be impacted.

COLLEGE PLANNING TOOL: Whether you are thinking about returning to school yourself or preparing to send your child to college, Benefi ts OnLine can help you create a savings strategy, and locate scholarship information and lending resources.

My Life Stage Is this your fi rst job or have you been working for a while? Are you just starting a family or do you have an empty nest? Whether you are nearing retirement or getting an early start, My Life Stage can help you identify your best fi nancial choices now and into the future. You have access to a retirement education specialist, helpful tips, articles and videos designed to empower you to make the best decisions for your fi nancial future.

Advice AccessLet Advice Access help you plan guidelines to help you meet your fi nancial goals. Use Advice Access to model your retirement income, estimate your social security benefi t, or estimate future expenses.

Benefi ts OnLine MobileBenefi ts OnLine Mobile is specifi cally designed for your

life on the go! Scan the QR Code using your smartphone to access your account information and receive messages and alerts about your account.

22

Eligible Dependents and Qualifying EventsEligible DependentsYou can enroll your eligible dependents in your medical and/or dental coverage, or obtain life insurance or accidental death & dismemberment coverage. Eligible dependents include your:

• Spouse

• Children (up to age 26) including: stepchildren, children who are adopted or placed for adoption, children for whom you have legal guardianship or legal custody, and disabled dependents (if the disability commenced prior to age 19)

• Same-gender Domestic Partner*

• Domestic Partner Children*

Family EventsSome examples of family events that may allow you to enroll in, change or waive benefits outside Annual Enrollment include: birth, adoption, marriage, divorce or losing or gaining other group coverage (for instance, through your spouse’s employer).

Job EventsIf you have a job status change that impacts the benefits for which you are eligible, you will need to update your elections on IN-SITE. You will automatically receive information from HR Services anytime your benefits eligibility changes.

*Additional documentation may be required. Same-gender domestic partners and domestic partner children cannot be enrolled as a result of a qualifying event.

If you experience a change in family status, you must complete three simple steps:

1 Call HR Services within 31 days of the event at 1-800-234-MACY (6229),

– AND–

2 Complete and submit a Certification of Change in Family Status form, located on IN-SITE. You must submit the form within 31 days of the event, or the date provided to you by HR Services. Upon receiving your completed form, HR Services will notify you regarding your enrollment and any additional documentation that may be required,

– AND–

3 Complete and confirm your election changes on IN-SITE.

Don’t wait! You have just

31 days!


Helpful ResourcesAetnaCustomer Service, Nurse Advisor Team, Lifestyle

Coaching: 1-877-290-4539

24-hour Nurse Line: 1-800-556-1555

aetna.comTo locate a provider prior to enrolling:

aetna.com/docfind/custom/macys

Aetna DMO (Dental)1-877-238-6200; aetna.com

American Association of Retired Persons (AARP)1-888-OUR-AARP, aarp.org

Bank of AmericaFSA, DCFSA, and HSA: 1-877-319-8118;

benefitsolutions.bankofamerica.com

CareAllies Quit Today1-866-427-7848, option 2; mycareallies.com

(password: macys)

Cigna HealthcareAll programs & inquires: 1-800-558-8361

mycigna.com; To locate a provider prior to enrolling:

mycignaplans.com (enrollment ID: macysinc,

password: cigna)

COBRA-Health Care Continuation ADP 1-800-821-1436, myshps.com

Express Scripts, Inc. (ESI)Prescription Drug provider for Aetna, Cigna, and

HMSA: 1-877-603-8396; express-scripts.com

Group Health1-888-901-4636; my.kp.org/macys

Hawaii Dental Service (HDS)808-529-9248 (Oahu), 800-232-2533 ext. 248

(Guam and all others); deltadentalhi.org

Health Insurance Marketplace1-800-318-2596 (toll-free call center) English,

Spanish and 150 additional languages available.

healthcare.gov (cuidadodesalud.gov)

HIP1-800-447-8255; emblemhealth.com

HMSA (Hawaii)808-948-6111 (Oahu), 1-800-776-4672

(all others); hmsa.com

KaiserKaiser California: 1-800-464-4000

Kaiser Georgia: 1-888-865-5813

Kaiser Hawaii: 1-800-966-5955

Kaiser Hawaii (Oahu): 808-432-5955

Kaiser Mid-Atlantic: 1-800-777-7902

Kaiser Ohio: 1-800-686-7100

Kaiser Oregon: 1-800-813-2000

All: my.kp.org/macys

Macy’s, Inc. ResourcesHR Services 1-800-234-MACY (6229). For assistance

in other languages, ask for the “Language Line.”

Websites: EmployeeConnection.net; RetireeConnection.net

Medicaid and Children’s Health Insurance Program (CHIP)medicaid.gov

Medicare1-800-MEDICARE (633-4227), medicare.gov

Merrill Lynch401(k): 1-800-234-MACY (6229), option 1;

benefits.ml.com (or access via IN-SITE)

MetLife1-888-262-4883; metlife.com/dental

Optum Employee Assistance Program (EAP)Available 24 hours a day, 7 days a week

1-888-980-8115; liveandworkwell.comAccess code: 5921

PrudentialHourly Short Term & Long Term Disability:

1-800-842-1718; prudential.com/macys

Quest DiagnosticsKnow Your Numbers Wellness Screening:

1-866-908-9440; 1-855-794-1391 (fax)

my.blueprintforwellness.com

Social Security Administration1-800-772-1213, ssa.gov

TakeCare (Guam)671-647-3526; takecareasia.com

Triple S (Puerto Rico)1-800-981-3241; ssspr.com

W-2 ExpressW2express.com

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Documents

Transcript of 2014 benefits program final