time to take action and choose your benefits · designing a life you love starts with choosing the...

2016 New Hire Guide

Time to Take Action and Choose Your Benefits

For Non-Distribution Center and Non-eFulfillment Center Associates

DESIGNING A LIFE YOU LOVE STARTS WITH CHOOSING THE RIGHT BENEFITS FOR YOU AND YOUR FAMILY.

Who Is Eligible?In addition to coverage for yourself, you can also choose to cover:

• Your spouse or same-sex domestic partner;

• Your children to age 26, even if coverage is available through their employer.

Note: If you enroll dependents, you must provide documentation to verify that they are eligible for coverage.

What’s Inside

Your 2016 Benefits

How to Enroll

Required Now

Optional Anytime

Enrollment Checklist

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Your 2016 BenefitsAT KOHL’S YOU CAN CUSTOMIZE YOUR BENEFITS TO FIT YOUR NEEDS.

As a new hire or Associate with a recent status change, you have the opportunity to review your Kohl’s benefits and make choices that fit your personal needs and budget. You have 45 days from your date of hire or status change to choose your benefits for the rest of the year.

IF YOU’RE A NEW HIRE, you must make active choices in all benefit areas, including medical, dental, vision, flexible spending accounts and Life Insurance if you’d like coverage through December 31, 2016.

IF YOU’VE RECENTLY CHANGED FROM PART-TIME TO FULL-TIME STATUS, you must make an active election if you are newly eligible for medical. Please note that your prior dental and supplemental Life Insurance elections will end and you now have new benefit options available so you will need to re-enroll and make an active election. However, you may choose to continue your current vision, Hyatt Legal Plan and flexible spending account elections.

If you don’t enroll, your next opportunity will be Kohl’s next Open Enrollment period (for 2017 benefits), unless you have a qualifying life event, like marriage or the birth/adoption of a child.

Be sure to read this guide carefully to prepare to enroll. It provides an overview of your benefi t choices, what you need to do and when.

ADD YOUR EMAIL ADDRESS

You can choose to go paperless and still get all the Kohl’s Total Rewards info you need when you enter your preferred email address.

1. Log on to yourtotalrewards.com/kohls.

2. Select the Health & Well-Being tab and select View Details under the Health Plans section.

3. Select Add/Update Your Personal Information under Quick Links.

4. Select personal information.

5. Select Change next to the Email Addresses section.

6. Enter/update your work and/or personal email.

7. Select the Preferred button next to the email address you wish to be notified through.

8. Select Save.

ENROLLMENT TIP! • Choose to be tobacco-free (or complete Kohl’s Tobacco Cessation Program, if a

tobacco user) and avoid the $100 per month tobacco premium.

• Choose not to cover a spouse/same-sex domestic partner who has other medical

coverage available and avoid the $150 per month working spouse premium.

For more information, log on to yourtotalrewards.com/kohls.

02 2016 Full-Time Benefits Guide

Enroll WITHIN 45 DAYSNOW IS YOUR OPPORTUNITY TO SELECT THE PLANS THAT ARE RIGHT FOR YOU. YOU MUST ENROLL WITHIN 45 DAYS OF YOUR DATE OF HIRE OR STATUS CHANGE.

You can make your elections via yourtotalrewards.com/kohls 24/7, or by calling AskHR at 844-KOHLSHR (844-564-5747), Monday through Friday from 7 a.m. to 8 p.m. (Central time).

If you don’t take action now, you cannot make any benefit changes until the next Open Enrollment (for 2017), unless you have a qualifying life event, like marriage or the birth/adoption of a child during the year.

REQUIRED

NOW

YOU MUST ENROLL FOR THESE BENEFITS IF YOU WANT COVERAGE FOR 2016:

• Medical

• Telemedicine Service (if you are enrolled in medical coverage outside of Kohl’s)

• Accident Protection Plan

• Critical Illness Plan

• Dental

• Vision

• Flexible Spending Accounts (FSAs)

• Hyatt Legal Plan

• Supplemental and Dependent Life Insurance

• Long-Term Disability coverage

OPTIONAL ANYTIME

YOU CAN ELECT OR CHANGE THESE BENEFITS ANY TIME:

• Kohl’s 401(k) Savings Plan

• Commuter Program

• Identity Theft Protection

• Pet Insurance

• Auto and Home Insurance

If you already have a user ID and password and are logged on to the Kohl’s network, select Log On from the yourtotalrewards.com/kohls log-in page.

ARE YOU A NEW USER?

You will need to create a new user ID and password on yourtotalrewards.com/kohls, if you haven’t already. Select Are you a new user? to get started! Follow the prompts to select your new password.

If you have problems logging in or need assistance, please call AskHR at 844-KOHLSHR (844-564-5747).

After you enroll online, you can print a confirmation of your benefit elections.

ONLINE ENROLLMENT TOOLS

Health Plan Comparison Charts—See all medical plan provisions and features in detail (e.g., deductibles, copays, coinsurance, hospital expenses and physical therapy).

Log on to yourtotalrewards.com/kohls and select the Enroll button. Then, compare your medical plan options under the Health & Insurance tab.

Find a medical provider—Find in-network doctors by name, location and/or specialty.

Download the Anthem Mobile App at anthem.com or UnitedHealthcare Health4Me App at myuhc.com.

LEARN ABOUT 2016 BENEFITS

Need more info?Text Kssbenefits to 88202 to receive Kohl’s video library on your mobile device to understand all the benefits Kohl’s has to offer.*

You can also access the video library by scanning the code below or by logging on to yourtotalrewards .com/kohls.

* 1 msg/transaction. Message and data rates may apply. By texting 88202 from your mobile number, you agree to receive a text generated by an autodialer from Guidespark to your number. Not required to make a purchase for goods or services.

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Health Care Reform and YOUNO DOUBT YOU’VE HEARD A LOT ABOUT HEALTH CARE REFORM—OFFICIALLY KNOWN AS THE PATIENT PROTECTION AND AFFORDABLE CARE ACT—IN THE NEWS.

Enclosed is the Health Insurance Marketplace Notice, which Kohl’s is required to provide under the ACA. Here are the highlights you need to know.

• Kohl’s medical plans comply with and exceed what’s required by health care reform.

• Starting January 1, 2015, most Americans will be required to have health coverage or pay a penalty to the IRS. This is called the individual mandate.

• As you consider your medical plan options, keep in mind that as a full-time Kohl’s Associate:

– Kohl’s pays for the majority of the cost of your Kohl’s medical coverage, so it’s unlikely that coverage offered through the marketplaces will be less expensive.

– If you choose to buy insurance through the marketplaces, you will not qualify for a government subsidy, and you will not receive a contribution from Kohl’s to help pay for that coverage.

BOTTOM LINE: If you enroll in a medical plan through Kohl’s you’ll receive comprehensive, affordable coverage and will meet the individual mandate requirements so you won’t be required to pay a penalty to the IRS.

Summary of Benefits and Coverage (SBC)

One of the ways Kohl’s complies with health care reform is by providing a Summary of Benefits and Coverage or SBC. An SBC summarizes important health plan information in a standard format, to help you compare your available options. Choosing a health coverage option is an important decision, so make sure to review your SBC so you can make an informed choice.

To view your SBC go to yourtotalrewards.com/kohls and select SPDs, SBCs and Legal Notices under the Resource Center. A paper copy is also available, free of charge, by calling AskHR at 844-KOHLSHR (844-564-5747).


Required NowYour Medical PlansYou can choose from three plans. Each plan covers the same types of services; the difference is your premium cost and your cost when you use the plan. If you live in California, you can also choose the Kaiser Plan.

Traditional PLAN• Highest premiums

• No Health Savings Account (HSA)

• FSA-eligible

• Lower deductible

• Compare your total annual costs under this plan (out-of-pocket expenses when you use the plan plus your premium costs). Then determine if this plan provides the level of coverage you actually need.

Savers PLAN• Lower premiums

• Kohl’s contributes to your HSA, which you can use to offset your deductible. You can add your own before-tax contributions too!

• Higher deductible than Traditional Plan; Kohl’s HSA contribution reduces your out-of-pocket cost.

• You pay the full cost of your prescription drugs (copays and coinsurance for preventive prescription drugs) until you meet your deductible. Then, you and the plan share in the cost.

• When you compare your total annual costs, this plan may save you money.

BasicPLAN• Lowest premiums

• You can participate in an HSA, but Kohl’s does not make a contribution.

• This plan has the highest deductible. You pay the full cost of your prescription drugs (copays and coinsurance for preventive prescription drugs) until you meet your deductible. Then you and the plan share in the cost.

ACCESS TO DOCTORS 24/7 THROUGH TELEMEDICINE SERVICE (TELADOC)

With telemedicine support through Teladoc, you and your family will have 24/7 access to board-certified physicians available via phone for non-urgent medical conditions like cold/flu symptoms, rashes, allergies, and much more!

• If you enroll in Kohl’s medical coverage (excluding Kaiser)—Teladoc is part of the plan.

• If you do not enroll in Kohl’s medical coverage—you can still enroll in the Teladoc service as a voluntary benefit, allowing you and your family to access this network of physicians for a low monthly premium. Visits with Teladoc providers are only $40. Note: This is not a replacement for medical insurance, but a great way to supplement it.

Note: Kohl’s medical plans are administered by UnitedHealthcare or Anthem, depending on where you work.

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Compare Your Options

Compare the plans, and then make your choice. Log on to yourtotalrewards.com/kohls for more information.

TRADITIONAL PLAN1 SAVERS PLAN BASIC PLAN

MEDICAL PLAN COVERAGE

HEALTH SAVINGS ACCOUNT Not availableKohl’s annual contribution:

$500 per Associate, $1,000 per family

Available, but only you contribute. Kohl’s does not contribute to the account.

ANNUAL DEDUCTIBLE $600 per person $1,300 single $2,600 family2

$1,800 single $3,600 family2

ANNUAL OUT-OF-POCKET MAXIMUM

$4,000 single $8,000 family

$5,000 single $10,000 family (max $6,850 per person)

COINSURANCE Plan pays 80% after deductible

Plan pays 80% after deductible

COPAYS $25 primary care1 $40 specialist1

No copays; deductible and coinsurance only

TELEMEDICINE SERVICE $10 copay $40 per visit; coinsurance after deductible

PREVENTIVE CARE All plans pay 100% (in-network)

PRESCRIPTION DRUG COVERAGE

OUT-OF-POCKET MAXIMUM

$2,600 single $5,200 family Combined with medical out-of-pocket maximum

RETAIL

(30-DAY SUPPLY)

Generics $10Preventive: $10

Non-preventive: Deductible then $10

Preventive: $10

Non-preventive: Deductible and coinsurance

Brand Formulary

30% ($30 min, $100 max)

Preventive: 30% ($30 min, $100 max)

Non-preventive: Deductible, then 30% ($30 min, $100 max)

Deductible and coinsurance

Brand Non-Formulary

40% ($50 min, $150 max)

Deductible, then 40% ($50 min, $150 max)


MAIL

(90-DAY SUPPLY)

Generics $25Preventive: $25

Non-preventive: Deductible then $25

Preventive: $25

Non-preventive: Deductible and coinsurance

Brand Formulary

30% ($75 min,

$250 max)

Preventive: 30% ($75 min, $250 max)

Non-preventive: Deductible, then 30% ($75 min, $250 max)


Brand Non-Formulary

40% ($125 min, $375 max)

Deductible, then 40% ($125 min, $375 max)


1 In addition to deductible and coinsurance.2 If you enroll in the Savers or Basic Plan as “Family,” the entire family deductible must be satisfied before the plan begins paying benefits.

Note: The chart above shows in-network services only.

For more information, log on to yourtotalrewards.com/kohls. You can find more detailed comparisons, including Summaries of Benefits and Coverage (SBCs), which are required by health care reform.

YOUR RESOURCES (EXCLUDING KAISER)For more info on:• Telemedicine Service—watch videos on

yourtotalrewards.com/kohls• The Prescription Drug Plan—visit CVS

Caremark’s Extranet site at caremark.com/kohls


Accident Protection PlanThe Accident Protection Plan can help you pay for out-of-pocket costs you may experience after an accident. You choose how you want to spend the benefits—for example, on out-of-pocket medical costs, your mortgage or any other expenses.

Critical Illness PlanThe Critical Illness Plan is designed to provide you and your family with additional financial resources in the event that you have a critical illness that is covered by the plan. The plan pays a lump-sum amount, based on the condition, and you can use the money as you see fit. For instance, to pay for out-of-pocket expenses related to travel for medical treatments, use it toward mortgage payments or to make adjustments to your home to accommodate your illness.

Dental PlanKohl’s offers two dental plans through Delta Dental. If you enroll in the dental plan:

• Most preventive care is covered at 100 percent.

• You may choose any dentist, but you pay less when you use an in-network dentist.

• You may receive additional preventive services based on your health conditions, such as pregnancy and certain high-risk cardiac conditions, through the Evidence-Based Integrated Care Plan.

STANDARD BUY-UP

In-Network Out-of-Network In-Network Out-of-Network

INDIVIDUAL DEDUCTIBLE

$50 $75 $25 $50

FAMILY DEDUCTIBLE $150 $225 $75 $150

PREVENTIVE DIAGNOSTIC

100% 80% 100% 100%

BASIC 70% 70% 80% 80%

MAJOR 40% 40% 50% 50%

ANNUAL MAXIMUM $1,250 $1,250 $1,500 $1,500

ORTHODONTIA* Not available Not available 60% 60%

ORTHODONTIA LIFETIME BENEFIT

Not available Not available $1,500 $1,500

*Includes child and adult orthodontia.

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Vision PlanKohl’s offers two vision plans through UnitedHealthcare Vision:

STANDARD BUY-UP**

ANNUAL EXAM $10 copay $15 copay

STANDARD LENSES$25 copay(after copay,

plan pays 100%)$15 copay(after copay,

plan pays 100%)

CONTACTS$25 copay (after copay,

plan pays 100%)$15 copay (after copay,

plan pays 100%)

FRAMES (EVERY 2 YEARS)

Up to $130 Up to $130

ADDITIONAL LENS OPTIONS (LIKE SPECIAL MATERIALS AND COATINGS)

Not available Covered in full

**You pay more for the Buy-Up Plan, but it covers more options.

Flexible Spending Accounts (FSAs)Flexible spending accounts (FSAs) let you use tax-free money to pay for eligible health care and dependent care expenses.

• Health Care FSA—If you enroll in the Traditional Plan or you have medical coverage through another source, you can contribute up to $2,500 tax-free to pay for medical, prescription, dental and vision out-of-pocket expenses for you and your dependents.

• Dependent Care FSA (not for health care expenses)—You can contribute up to $5,000 tax-free to pay for child or dependent adult day care so that you (and your spouse, if married) are able to work or attend school full time.

The money in your FSAs does not carry over to the following plan year, so make sure to plan accordingly.

MANAGE YOUR FSA ON THE GO

If you enroll, you can see balances, review alert/claims history, view payments and view and submit claims right from your smartphone. Download the Reimburse Me app available through Your Spending Account™ (YSA).

All Associates can visit the FSAStore.com to purchase FSA-qualified items, view lists of FSA-eligible expenses and determine how much to contribute in 2016 using the FSA calculator.

Hyatt Legal PlanYou, your spouse/same-sex domestic partner and dependents can access a variety of legal services, receive unlimited consultation and get legal advice by phone. You can also access local attorneys on issues from family law and wills to consumer protection and traffic violations.

Your Spending Account is a trademark of Hewitt Associates LLC.

ENROLLED IN THE SAVERS PLAN OR BASIC PLAN?

Your Health Savings

Account will cover all

(medical, prescription

drugs, dental and

vision) eligible health

care expenses, but you

can enroll in a limited-purpose Health Care FSA to help you pay

for additional eligible

dental and vision

expenses.


Basic Life and AD&D InsuranceYou receive Basic Life Insurance and Accidental Death & Dismemberment (AD&D) insurance automatically, at no cost to you, but you must name a beneficiary. A beneficiary is the person who receives benefits in the event of your death.

Depending on your personal situation, you may want to purchase additional coverage:

SUPPLEMENTAL LIFE INSURANCE AND AD&D

Purchase additional levels of insurance to protect yourself. Rates differ based on coverage levels. If your election requires evidence of insurability, you will receive instructions after enrollment.

DEPENDENT LIFE INSURANCE AND AD&D

Purchase insurance to protect your spouse/same-sex domestic partner and/or eligible dependent children up to age 26.

Long-Term Disability (LTD)If you enroll in optional Long-Term Disability coverage through Kohl’s, the rates are typically lower than what you’d pay purchasing coverage on your own.

LTD coverage will:

• Replace up to 60 percent of your base monthly income (up to policy limits). Your benefit may be reduced by the amount of benefits from other income sources, including a government-sponsored program.

• Begin after 180 days of disability and may continue up to normal retirement age.

Approval for LTD is determined by the carrier.

IMPORTANT!

You must complete and

submit an evidence of

insurability (EOI) form

to request approval to

elect supplemental life,

dependent life, and/or

Long-Term Disability for

the first time. Your

enrollment is contingent

upon approval through

Securian Life or Cigna.

09

2016 BENEFITS:

Check It OffUSE THE CHECKLIST BELOW TO MAKE SURE YOU ARE READY TO ENROLL. DON’T MISS OUT—ENROLL WITHIN 45 DAYS OF YOUR DATE OF HIRE OR STATUS CHANGE.

Whom are you enrolling in coverage? Is it just you or are you including dependents? If your spouse/same-sex domestic partner works, are you taking full advantage of the benefits provided by your spouse’s/same-sex domestic partner’s employer? It may save you money.

Which medical plan makes the most sense for you?

– Have you compared plans—including premiums and out-of-pocket costs—and selected the plan that’s right for your situation?

– If you choose the Savers or Basic Plan, should you set aside tax-free money in a Health Savings Account for future health care expenses? (Remember, your unused money rolls over each year.)

Do you need dental coverage? If you do, select the right plan for your budget and needs.

Do you want vision coverage? If you do, select the plan that fits your needs.

Does an FSA for health care or dependent care expenses make sense for you?

– How much should you contribute to one or both accounts? (Remember, leftover money doesn’t roll over each year, so plan carefully.)

Do you have a need for legal services during the upcoming year?

Life Insurance and Long-Term Disability: Have you considered your current situation?

– Do you need to purchase additional coverage for yourself and your dependents?

– Do you need to add your beneficiaries?

Kohl’s offers other great benefits you may start, stop or change anytime throughout the year:

KOHL’S 401(k) SAVINGS PLAN Save for retirement while Kohl’s matches what you save, dollar-for-dollar, up to 5 percent of your pay!

AUTO AND HOME INSURANCE You may receive up to a 15 percent discount on premiums for auto, homeowners and other types of insurance.

IDENTITY THEFT PROTECTION This program monitors your credit report and non-credit searches for potential identity issues, and it includes restoration services if your identity is compromised.

KOHL’S KNOW AND GROW PROGRAM You can apply for tuition reimbursement,* scholarships and discounts, and take advantage of education solutions for you and your family.

ADOPTION ASSISTANCE PROGRAM Kohl’s reimburses up to $5,000 per adoption and provides up to two weeks of paid time off for each adoption. Certain requirements apply.

CHILD CARE, ELDER CARE AND MORE Kohl’s partners with Bright Horizons to help you find quality care for a child or parent.

OTHER WORK/LIFE PROGRAMS Enjoy programs like Life Solutions, the Employee Assistance Program (EAP) and Exclusively Yours maternity program.

COMMUTER PROGRAM Use this program to pay for mass transit and parking via pre-tax payroll deductions.

PET INSURANCE Kohl’s offers multiple levels of coverage to fit your needs.

PURCHASING POWER** This program lets you spread payments for a variety of large ticket items—from home furniture to video games—over 12 months. Spending limits are based on eligibility.

For more information on any of these programs, log on to yourtotalrewards.com/kohls.

*Certain requirements apply. You must be employed for 12 months.

**Must have at least one year of service with Kohl’s.

BE SURE TO ENROLL WITHIN 45 DAYS OF YOUR DATE OF HIRE OR STATUS CHANGE BY LOGGING ON TO YOURTOTALREWARDS.COM/KOHLS.

Optional Anytime

Important Legal Information

For more information about certain electronic disclosures—like Summary Plan Descriptions (SPDs), Summaries of Benefits and Coverage (SBCs), Notice of Creditable Coverage and other legal notices—related to the Kohl’s Group Health Plan (the “Plan”), visit yourtotalrewards.com/kohls and select SPDs, SBCs and Legal Notices under the Resource Center. Or, you can call AskHR at 844-KOHLSHR (844-564-5747), and request copies.

Described herein are certain aspects of and changes to the Kohl’s benefit plans. Information presented herein does not replace or alter the official plan documents, insurance contracts or other agreements that legally govern the terms and operation of any plan, policy or program. If information presented herein differs from the official documents, the official documents always govern. Kohl’s reserves the right to amend, modify or terminate any plan, policy or program described herein at any time, for any reason and in any respect in its sole discretion. No employment rights are created or provided by the information herein or by your receipt of this information.

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time to take action and choose your benefits · designing a life you love starts with choosing the...

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