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					   Your 2008
   Associate Benefits Book
Summary Plan Description   Effective January 1, 2008




                                  Summary Plan
                                     Description
                                               Effective January 1, 2008




                                               WHAT’S INSIDE...
                                                 • Medical Plan
                                                 • Pharmacy Benefit
                                                 • Dental Plan
                                                 • Life Insurance and
                                                   Disability Plans
                                                 • Associate Stock
                                                   Purchase Plan

          Revised                                • Wal-Mart Profit Sharing
                                                   and 401(k) Plan
        October 2007
                                                       ...AND MUCH MORE.
2008 Associate Benefits Book
  Table of Contents
               Information Made Easy
               Your 2008 Associate Benefits Book makes it easy for you to quickly get the information
               you need about your Wal-Mart benefits.
               Got a question about your Wal-Mart benefits? When you download the 2008 Associate
               Benefits Book PDF from walmartbenefits.com or the WIRE, getting the answer is as easy
               as two clicks and a word search. To find the information you need, simply launch the
               PDF with Adobe® Reader® and:
                 • Click “edit” on the top tool bar
                 • Click “search”
                 • Type the words or phrase that describe the information you're looking for,
                   such as “vaccinations” or “vesting,” and click “search.”
               You'll get instant results!




               Table of Contents
                    Eligibility and Enrollment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
                    Claims and Appeals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24
                    Legal Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .38
                    The Medical Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50
                    Eligibility and Benefits for Associates in Hawaii . . . . . . . . . . . .78
                    Health Savings Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .82
                    The Pharmacy Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90
                    The Dental Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .96
                    COBRA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .106
                    Resources for Living . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .114
                    Cancer Insurance Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .118
                    Accident Insurance Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .122
                    Company-Paid Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . .126
                    Optional Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .130
                    Dependent Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .136
                    Accidental Death and Dismemberment Insurance . . . . . . . . .142
                    Short-Term Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .150
                    Short-Term Disability Plus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .158
                    Long-Term Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .162
                    Truck Driver Long-Term Disability . . . . . . . . . . . . . . . . . . . . . . . .172
                    Business Travel Accident Insurance . . . . . . . . . . . . . . . . . . . . . . .182
                    The Associate Stock Purchase Plan . . . . . . . . . . . . . . . . . . . . . . .190
                    The Profit Sharing and 401(k) Plan . . . . . . . . . . . . . . . . . . . . . . .204
                    Your Associate Discounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .226
                    Your Pay Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .234
                    Your Paid Time-Off . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .236
                    Glossary of Terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .240
your 2008 Associate
     Benefits Book
This 2008 Associate Benefits Book includes the Summary Plan Descriptions (SPDs) for the Associates’ Health and Welfare Plan and the
Wal-Mart Profit Sharing and 401(k) Plan. Please take time to review each SPD to completely understand your benefits.

Information obtained during calls to Wal-Mart Stores, Inc. or to any Plan service provider does not waive any provision or limitation of
the Plan. Information given or statements made on a call or in an email do not guarantee payment of benefits. In addition, benefits
quotes that are given by phone are based wholly on the information supplied at the time. If additional relevant information is discov-
ered, it may affect payment of your claim. All benefits are subject to eligibility, payment of premiums, limitations, and all exclusions out-
lined in the applicable plan documents including any insurance policies.You can request a copy of the documents governing these
plans by writing to: Custodian of Records, Wal-Mart Benefits Department, 922 West Walnut, Ste. A, Rogers, AR 72756-3540.




Atención Asociados Hispanos: Este folleto contiene un resumen en inglés de los derechos y beneficios para todos los asociados bajo el plan
de beneficios de Wal-Mart. Si Ud tiene dificultades para entender cualquier parte de este folleto puede dirigirse a la siguiente dirección:
Benefits Customer Service, Wal-Mart Benefits Department, 922 West Walnut, Ste. A, Rogers, AR 72756-3540
o puede llamar para cualquier pregunta al (800) 421-1362, disponible 24 horas al día, los 7 días de la semana. Tenemos asociados quienes
hablan Español y pueden ayudarles a Ud comprender sus beneficios de Wal-Mart.
El Libro de beneficios para asociados esta disponible en Español. Si usted desea una copia en Español, favor de ver su Representante
de Personal.
Eligibility and Enrollment

 Where Can I Find?
 The Associates’ Health and Welfare Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
 Associate Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
 Dependent Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
 Dependents Who Are Not Eligible . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
 Legal Documentation for Dependent Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
 When Your Dependent Becomes Ineligible. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
 When You Enroll for Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
 When Coverage is Effective. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
 Paying for Your Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
 Benefit Continuation If You Go On a Leave of Absence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
 Changing Your Benefits During the Year: Status Change Events . . . . . . . . . . . . . . . . . . . . 17
 Making Status Change Event Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
 If Your Job Classification Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
 Qualified Medical Child Support Orders (QMCSO) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
 When Your AHWP Coverage Ends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23




                                                                                              Revised
                                                                                            October 2007




 If you have Medicare or will become eligible for Medicare in the next 12 months,
           you have more choices for your prescription drug coverage.
               See the Legal Information chapter for more details.
                                               2008 Wal-Mart Associate Benefits Book




Eligibility and Enrollment

Eligibility and Enrollment Resources
Find What You Need                   Online                                                        Other Resources

Enroll in Wal-Mart Benefits           the WIRE from work or                                         If you have questions, call the
                                     walmartbenefits.com from home                                  Benefits Department at
                                                                                                   (800) 421-1362

Notify the Benefits Department        Visit Ask Betty on the WIRE from work. Click on the “Life”    Call the Benefits Department at
• within 60 days of your             tab. Go to More under Resources. Click on “Ask Betty in       (800) 421-1362
                                     Benefits” and follow the instructions.
  dependent losing eligibility
• within 60 days of a                Or walmartbenefits.com from home.The icon is on the
                                     main page of walmartbenefits.com.
  Status Change Event

Notify the Benefits Department                                                                      Call the Benefits Department at
if the payroll deductions for your                                                                 (800) 421-1362




                                                                                                                                     Eligibility and Enrollment
benefits are incorrect

Reinstate coverage upon your                                                                       Call the Benefits Department at
return from a Military Leave                                                                       (800) 421-1362

Pay premiums for benefits             Send check or money order payable to the Wal-Mart Stores,     You may also pay by credit card
while on a Leave of Absence          Inc. Associates' Health and Welfare Trust to:                 by calling (800) 421-1362 and
                                                                                                   selecting the “credit card pay-
See below for Starbridge,            Wal-Mart Benefits Department 3001                              ment” option.
Accident Insurance Policy, and       P.O. Box 1039
Cancer Insurance Policy premium      Lowell, AR 72745
payment information                  Please be sure to include your name, Benefits ID number,
                                     and facility number on the payment to ensure proper credit.

Pay premiums for Starbridge          Payments for Starbridge should be sent to:
while on a Leave of Absence          CIGNA HealthCare
                                     Attn: Accounting
                                     2222 W. Dunlap Ave., Suite 350
                                     Phoenix, AZ 85021-2866

Pay premiums for your Cancer         Payments for Aflac should be sent to:
and/or Accident policy while on      Aflac
a Leave of Absence                   Attn: PHS
                                     1932 Wynnton Road
                                     Columbus, GA 31999



What You Need to Know About Eligibility and Enrollment
• You enroll during your Initial Enrollment Period as a newly hired associate and during the Annual Enrollment
  Period and when you have a Status Change Event.
• When your Initial Enrollment Period starts depends on your job classification and changes if your job
  classification changes. If you are an associate in Hawaii, your eligibility and benefits information is explained in
  Eligibility and Benefits for Associates in Hawaii.
• It’s important to read this chapter and understand when you need to enroll and how enrollment in
  certain benefits (such as life insurance and disability benefits) after your Initial Enrollment Period affects
  your participation in that benefit.
• Medical, Dental, AD&D, and the Cancer and Accident Insurance Policy coverage cannot be changed except dur-
  ing the Annual Enrollment period unless you have a Status Change Event.



                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                                     3
               The Associates’                                                About Full-Time
               Health and Welfare Plan                                        Associate Status
               The Associates’ Health and Welfare Plan (AHWP)                 In order to be classified as Full-Time in the Company’s
               is a single, comprehensive employee benefit plan that           payroll system, an associate must regularly work at least
               offers Medical, Dental, Cancer Insurance Policy, Accident      34 hours per week (or 28 hours per week if classified as
               Insurance Policy, Accidental Death and Dismemberment           Full-Time or management prior to and consistently since
               (AD&D), Business Travel Accident, Life Insurance,              January 1, 2002, or 20 hours per week if classified as Full-
               Disability, and Resources for Living (employee assistance      Time or management prior to and consistently since
               and wellness) coverage to eligible associates.The eligi-       September 1, 1979). When an associate transitions from
               bility for these benefits is described in this section,        Full-Time to Peak-Time after January 1, 2002, the 28-hour
               and the terms and conditions for these                         eligibility guideline listed above no longer applies. In the
               benefits are described in the applicable chapter of            event the associate transitions back to Full-Time, the
               this 2008 Associate Benefits Book. The AHWP is spon-           associate will be required to work at least 34 hours per
               sored by Wal-Mart Stores, Inc., and governed under             week. Full-Time hourly Field Logistics Associates and Full-
               the Employee Retirement Income Security                        Time hourly Pharmacists who are classified as Full-Time
               Act of 1974 as amended (ERISA).                                in the Company’s payroll system are exempt from the
                                                                              34-hours-per-week rule.
               If you are an associate in Hawaii, your eligibility and ben-
               efits information is explained in Eligibility and Benefits       Salaried Status
               for Associates in Hawaii.
                                                                              As determined by the Company, hourly associates or
                                                                              associates in some positions may qualify for the same
               Associate Eligibility                                          benefits as management associates if:
               The benefits you are eligible for depend on your clas-
               sification in the Company’s (Wal-Mart Stores, Inc. and         • The job description of the hourly associate is sub-
               its participating subsidiaries) payroll system. See the          stantially the same as a management associate of
               chart, Eligibility, Enrollment and Effective Dates by            Wal-Mart or a participating subsidiary, and
               Job Status, later in this chapter for a list of the bene-      • State law mandates that the position be classified
               fits you are eligible for and your benefits eligibility          as hourly.
               waiting period based on your job status.
                                                                              Temporary Associates
               If you are an associate in Hawaii, your eligibility and ben-   Temporary associates are only eligible for
               efits information is explained in Eligibility and Benefits       Starbridge, Resources for Living, and Business Travel
               for Associates in Hawaii.                                      Accident benefits.




4   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Special Eligibility                                          Dependent Eligibility
Rules for Certain Benefits                                    Eligible Dependents generally are those who can be
The Company offers HMO options in some states.The            claimed on the tax return filed by your household as
policies for the HMO plans, as well as the insurance poli-   dependents (without regard to the dependent’s income)
cies for Starbridge, Cancer Insurance Policy, Accident       and are limited to:
Insurance Policy, Dependent Life Insurance, and
Accidental Death and Dismemberment Insurance may             • Your legal spouse of the opposite gender, so
have different eligibility requirements than requirements      long as you are not legally separated (Peak-Time
described in this chapter.You may obtain an explanation        associates and Part-Time Truck Drivers may not
of these differences by calling (800) 421-1362.The Plan        cover their spouses);
will apply the eligibility requirements described in this    • Your unmarried dependent children under
chapter, unless you contact the Benefits Department at          age 19; and
the number above and request that a different eligibility    • Your unmarried dependent children from age 19 to
provision in the policy be applied to you. For example,        their 23rd birthday if they are full-time students at an
state law may require an insurance policy to include dif-




                                                                                                                          Eligibility and Enrollment
                                                               accredited school.
ferent eligibility provisions relating to dependents, such
                                                             To be eligible, your dependent children must be one of
as allowing coverage for a dependent child past age 23
                                                             the following:
or coverage for a domestic partner.
                                                             • Natural children;
Associates Who Are Not Eligible                              • Adopted children or children placed with you
You are not eligible for the AHWP—if you are later found       for adoption;
to be a common-law employee of Wal-Mart Stores, Inc. or      • Stepchildren who can be claimed on the tax return
any participating subsidiary—if you are:                       filed by your household as dependents (without
• A leased employee;                                           regard to the dependent’s income) and who live with
                                                               you in a parent-child relationship who either live
• A nonresident alien (unless covered under a specific
                                                               with you at least 50 percent of the year, or who are
  policy for expatriates or third country nationals who
                                                               full-time students age 19 to their 23rd birthday; or
  are employed by the Company);
                                                             • Grandchildren, nieces, nephews, and siblings, or
• An independent contractor;
                                                               other blood relatives, if you have legal custody.
• A consultant; or
                                                             Peak-Time associates and Part-Time Truck Drivers may
• Not classified as an employee of Wal-Mart Stores, Inc.      only cover their Eligible Dependent children and may
  or its participating subsidiaries.                         not cover their spouses. Special rules may apply if you
You are also excluded if you are a member of a collective    transition from Full-Time to Peak-Time. See If Your Job
bargaining unit whose health and welfare benefits were        Classification Changes later in this chapter for more
the subject of good faith collective bargaining.             information.

                                                             If a court order requires you to provide medical and/or
                                                             dental coverage for Eligible Dependent children, the
                                                             Plan does not require that these children qualify as
                                                             dependents on the tax return filed by your household.
                                                             However, the children must otherwise meet the Plan’s
                                                             eligibility requirements for dependent children. For
                                                             more information on how the Plan handles a Qualified
                                                             Medical Child Support Order (QMCSO), see Qualified
                                                             Medical Child Support Orders later in this chapter.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                           5
               If Your Child Is Incapable of Self-Support                      Legal Documentation
               Your child generally will be eligible for coverage as long      for Dependent Coverage
               as your coverage continues and he or she is disabled,           You may be required to provide legal documentation to
               unmarried, and dependent on you as defined by the                prove the eligibility of your dependent(s).
               Internal Revenue Code.
                                                                               The Plan reserves the right to conduct a verification
               If your child is not able to attend school full-time or to be   audit and require associates to provide written docu-
               gainfully employed, coverage may be continued beyond            mentation of proof of dependent eligibility upon
               his or her 19th birthday if:                                    request. It is the associate’s responsibility to provide the
                                                                               written documentation as requested by the Plan. If nec-
               • The child is physically or mentally incapable of self-
                                                                               essary documentation is not provided in the time frame
                 support and is covered as an Eligible Dependent
                                                                               requested, the Plan has the right to cancel dependent
                 under a Wal-Mart-sponsored medical or dental Plan
                                                                               coverage until the requested documentation is
                 and/or Dependent Life Insurance as of his or her
                                                                               received. It is the associate’s responsibility to notify the
                 19th birthday; and
                                                                               Plan of any changes in their dependent(s) medical cov-
               • The child’s doctor provides written medical evidence          erage information.
                 of disability and inability to provide self support.
                                                                               The associate is also responsible for any medical, phar-
               Dependents                                                      macy, or dental charges improperly paid after their
               Who Are Not Eligible                                            dependent(s) becomes ineligible.
               Your dependent is not eligible under your coverage if he
               or she is:                                                      When Your Dependent
                                                                               Becomes Ineligible
               • Covered by the Plan as an associate of Wal-Mart; that
                 is, an associate may be either a covered associate or         You should notify the Benefits Department within 60
                 a covered dependent, but not both at the same time.           days from the date your dependent becomes ineligible
                 (This statement does not apply to Optional and                by calling (800) 421-1362.
                 Dependent Life Insurance or AD&D coverage.)                   Your dependent then must elect COBRA continuation
               • Covered by the Plan as a dependent of another                 coverage within 60 days in order to qualify for COBRA
                 associate of Wal-Mart. (This statement does not               coverage. See the COBRA chapter for more information
                 apply to Optional and Dependent Life Insurance                regarding COBRA.
                 or AD&D coverage.)
                                                                               You are responsible for any medical, pharmacy, or dental
               • Residing outside the United States, except those
                                                                               charges improperly paid after your dependent becomes
                 dependents attending college full-time outside of
                                                                               ineligible. Refunds of associate contributions will be
                 the United States. (This statement does not apply to
                                                                               granted only if you notify the Benefits Department. Any
                 Dependent Life Insurance.)
                                                                               refund will be offset by claims that have been paid.
               • An illegal immigrant.
               • Not an Eligible Dependent as defined above.




6   For more information, log on to walmartbenefits.com, 24/7 or
                                               2008 Wal-Mart Associate Benefits Book




When You Enroll for Benefits                                    Note that some HMOs have different eligibility
                                                               requirements. See The Medical Plan chapter for
Once you have completed your eligibility waiting period
                                                               more information.
(if applicable, see the chart later in this chapter that
applies to your job status for more information), you          If you are eligible and do not enroll during your Initial
enroll for benefits:                                            Enrollment Period, you may still enroll for the following
                                                               benefits during the year by going online through the
• During your Initial Enrollment Period, which is the
                                                               WIRE or walmartbenefits.com. However, if you do not
  first time you are eligible to enroll. The timing of your
                                                               enroll during your Initial Enrollment Period your bene-
  Initial Enrollment Periods will vary by job status and
                                                               fits may be reduced, you may have an additional waiting
  will change if your job status changes. See the chart
                                                               period, or you may be required to provide Proof of
  later in this chapter that applies to your job
                                                               Good Health. Proof of Good Health is required for
  status for more information.
                                                               Accident Insurance Policy and Cancer Insurance Policy
• Each year during the Annual Enrollment Period for all        regardless of when you enroll.
  associates, usually in the fall of each year. Benefits you
  enroll for during the Annual Enrollment Period are           • Optional Life Insurance




                                                                                                                           Eligibility and Enrollment
  effective January 1 of the next year.Your deductions         • Dependent Life Insurance
  are adjusted to reflect the cost of coverage changes
                                                               • Short-Term Disability
  for the next year. If an end-of-year pay period covers
                                                               • Long-Term Disability
  both the old and new year, your deductions will reflect
  the deduction amount for the old year through                • Truck Driver Long-Term Disability
  December 31 and the new deduction amount for the             • Short-Term Disability Plus
  new year, prorated for the number of days covered            Proof of Good Health includes completing a question-
  from January 1 until the end of the pay period.              naire regarding your medical history and possibly having
• When you have a Status Change Event. A Status                a medical exam.The Proof of Good Health questionnaire
  Change Event is an event that allows you to make             is made available when you enroll.
  changes to your coverage outside of the Annual
  Enrollment Period and is in accordance with federal          Confirming Your Enrollment
  law. See Status Change Events later in this chapter          Once you enroll for coverage, you can view your confir-
  for more information.                                        mation statement on the WIRE or walmartbenefits.com.
If you are an associate in Hawaii, your eligibility and ben-   If you believe there is an error regarding what benefits
efits information is explained in Eligibility and Benefits       you enrolled in, you should immediately contact the
for Associates in Hawaii.                                      Benefits Department at (800) 421-1362.

If you are eligible and do not enroll during your Initial
Enrollment Period, you will not be eligible for the follow-
ing benefits until the next Annual Enrollment Period
unless you have a Status Change Event :

• Medical
• Dental
• Starbridge
• HMO Plans (if available)
• Cancer Insurance Policy
• Accident Insurance Policy
• AD&D




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                           7
               Automatic Re-Enrollment in Associates’                         For the 2007 Annual Enrollment Period, most of the prior
               Medical Plan Options                                           coverage options have changed. As a result, if you had
                                                                              coverage in 2007 and do not affirmatively change or
               For the Associates’ Medical Plan, if you do not re-enroll at   drop this coverage at the 2007 Annual Enrollment, you
               the next Annual Enrollment Period, you automatically           automatically will be enrolled in the new coverage
               will be re-enrolled in your prior year’s coverage option.      option listed in the chart. After Annual Enrollment ends,
               You will not be able to change this option once the new        you will only be able to change this coverage option if
               plan year has started (January 1st), unless you experi-        you experience a Status Change Event or at next year’s
               ence a Status Change Event, or until the next Annual           Annual Enrollment (2008).
               Enrollment Period.
                                                                              If you were enrolled in the Freedom Plan for 2007, you
               If your prior year’s coverage option is not available, you     automatically will be enrolled in the same plan for 2008.
               automatically will be re-enrolled in the option most simi-
               lar to your prior year’s coverage option. Of course, you       If you fail to affirmatively enroll or re-enroll during
               can always change your coverage options at Annual              Annual Enrollment, you will be treated by the Plan as
               Enrollment, including dropping coverage altogether.            if you had consented to the automatic re-enrollment
                                                                              described in this section, and your payroll deductions
                                                                              will be adjusted accordingly.



                2008 Default Coverage
                                                         You’ll be defaulted into                You’ll be defaulted into
                If your 2007 coverage is:                this Network for 2008                   this Value Plan for 2008

                Standard Plan $350                       Choice Network                          Health Care Credit $100
                                                                                                 Annual Deductible $350
                                                                                                 Out-of-Pocket Maximum $5,000
                Network Saver Plan $350                  Basic Network

                Network Performance Plan $350            Limited Network

                Standard Plan $500                       Choice Network                          Health Care Credit $100
                                                                                                 Annual Deductible $500
                                                                                                 Out-of-Pocket Maximum $5,000
                Network Saver Plan $500                  Basic Network

                Network Performance Plan $500            Limited Network

                Standard Plan $1000                      Choice Network                          Health Care Credit $100
                                                                                                 Annual Deductible $1,000
                                                                                                 Out-of-Pocket Maximum $5,000
                Network Saver Plan $1000                 Basic Network

                Network Performance Plan $1000           Limited Network

                Value Plan                               Basic Network                           Health Care Credit $250
                                                                                                 Annual Deductible $1,000
                                                                                                 Out-of-Pocket Maximum $5,000
                Value Performance Plan                   Limited Network

                HMO is no longer                         Choice Network                          Health Care Credit $100
                available in your location                                                       Annual Deductible $350
                                                                                                 Out-of-Pocket Maximum $5,000

                Freedom Plan                             Basic Network                           No deductible change from previous year

                Freedom Performance Plan                 Limited Network                         No deductible change from previous year




8   For more information, log on to walmartbenefits.com, 24/7 or
                                              2008 Wal-Mart Associate Benefits Book




When Coverage is Effective                                        Active Work or Actively-At-Work
The charts on the following pages show when coverage for          For Medical, Dental, and Resources for Living
benefits you have enrolled in becomes effective.You must be        coverage, Actively-At-Work or Active Work means you have
Actively-At-Work on the day your coverage is effective for        reported to work for Wal-Mart, even if you then are out for
coverage to begin. However, if you are not Actively-At-Work       medical reasons.
due to a medical condition, your coverage for Medical, Dental,
                                                                  For Company-Paid Life Insurance, Optional Life Insurance,
and Resources for Living benefits will begin whether or not
                                                                  Dependent Life Insurance, Accidental Death and
you are Actively-At-Work, as long as you have reported for
                                                                  Dismemberment, Business Travel Accident, Short-Term
your first day of work. For all other benefits, if you are not
                                                                  Disability, Short-Term Disability Plus, Long-Term Disability, and
Actively-At-Work for any reason other than a scheduled vaca-
                                                                  Truck Driver Long-Term Disability coverage, Actively-At-Work
tion on the effective date of your coverage, your coverage will
                                                                  or Active Work means you are Actively-At-Work with the
be delayed until you return to Active Work.
                                                                  Company on a day that is one of your scheduled work days if
If you are an associate in Hawaii, your eligibility and benefits   you are performing, in the usual way, all of the regular duties
information is explained in Eligibility and Benefits for           of your job on a Full-Time basis on that day.You will be




                                                                                                                                      Eligibility and Enrollment
Associates in Hawaii.                                             deemed to be Actively-At-Work on a day that is not one of
                                                                  your scheduled work days only if you were Actively-At-Work
                                                                  on the preceding scheduled work day.

                                                                  If you are on a Leave of Absence when your coverage is to
                                                                  become effective, the coverages listed above will be delayed
                                                                  until you return to Active Work. This does not apply to
                                                                  Medical, Dental, Resources for Living, the Cancer
                                                                  Insurance Policy and the Accident Insurance Policy.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                                       9
                Effective Dates for Benefits Under the AHWP
                The following Enrollment, Eligibility, and Effective Dates by Job Status charts provide your coverage effective
                dates if you enroll during your Initial Enrollment Period. If you enroll after your Initial Enrollment Period, you may
                enroll during Annual Enrollment or if you experience a Status Change Event as described in Changing Your Benefits
                During the Year: Status Change Events later in this chapter. See the rest of this chapter and the individual benefit
                chapters for effective date information. If you are an associate in Hawaii, your eligibility and benefits information is
                explained in Eligibility and Benefits for Associates in Hawaii.



                  Full-Time Hourly: 180-Day Wait
                 Plan                                  Enrollment Periods and Effective Dates

                 • Medical                             Initial Enrollment Period:
                 • HMO Plans*                          Between 120 and 180 days from hire date.
                 • Dental (enrollment is for           When Coverage is Effective:
                   two full calendar years)            181st day of continuous Full-Time employment (or, if hired prior to January 1, 2002, on
                                                       the 91st day of continuous Full-Time employment)
                 • AD&D
                 • Cancer Insurance Policy             Cancer Insurance Policy and Accident Insurance Policy are effective on the first day of
                                                       the month after your 181st day of continuous Full-Time employment. Proof of Good Health
                 • Accident Insurance Policy           is required.

                 Company-Paid Life                     Automatically enrolled at 180 days from hire date.

                 • Business Travel                     Automatically enrolled as of your first day of Active Work.
                 • Resources for Living


                 • Optional Life                       Initial Enrollment Period:
                 • Dependent Life                      Between 120 and 180 days from hire date.
                 • Short-Term Disability               When Coverage is Effective:
                                                       If you enroll during your Initial Enrollment Period , 181st day of continuous
                 • Long-Term Disability                Full-Time employment or upon approval by Prudential for Optional Life and Dependent Life.
                 • Short-Term Disability Plus
                   (not available in California        For Optional or Dependent Life Insurance:
                   and Rhode Island)                   You may enroll at any time during the year, but Proof of Good Health may be required.
                                                       For STD and LTD and STD Plus:
                                                       You may enroll at any time during the year, but If you enroll at any time other than your
                                                       Initial Enrollment Period, you will have a one-year wait and a reduction in benefits.

                 Starbridge                            Initial Enrollment Period:
                                                       From the date of your first paycheck through 60 days of hire date.
                                                       When Coverage is Effective:
                                                       Coverage is effective on the date you enroll, but terminates on the date that you become
                                                       eligible for medical/HMO plans. See your personnel representative for details.

                 * Some HMOs may require longer terms of employment for eligibility.




10   For more information, log on to walmartbenefits.com, 24/7 or
                                                      2008 Wal-Mart Associate Benefits Book




 Management Associates, Management Trainees, CA Pharmacists,
 Full-Time Truck Drivers, and Associates Promoted to Management Status
 during Initial Enrollment Period: No Wait
Plan                                  Enrollment Periods and Effective Dates

• Medical                             Initial Enrollment Period:
• HMO Plans*                          From the date of your first paycheck through 60 days from hire date.
• Dental (enrollment is for           When Coverage is Effective:
  two full calendar years)            Date of hire or promotion to management status.
• AD&D                                Cancer Insurance Policy and Accident Insurance Policy are effective on the first day of the
• Cancer Insurance Policy             month after you enroll for coverage. Proof of Good Health is required.
• Accident Insurance Policy

Company-Paid Life                     Automatically enrolled at date of hire. (Officers of the Company are not eligible for this benefit.)

• Business Travel Accident            Automatically enrolled as of your first day of Active Work.
• Resources for Living




                                                                                                                                           Eligibility and Enrollment
Optional Life                         Initial Enrollment Period:
Dependent Life                        From the date of your first paycheck through 60 days from hire date.
Long-Term Disability                  When Coverage is Effective:
                                      If you enroll during your Initial Enrollment Period, on your date of hire or promotion to
Truck Driver                          management status or upon approval by Prudential for Optional Life and Dependent Life.
Long-Term Disability
                                      For Optional or Dependent Life Insurance:
                                      You may enroll at any time during the year, but Proof of Good Health may be required.
                                      For LTD:
                                      You may enroll at any time during the year, but If you enroll at any time other than your
                                      Initial Enrollment Period, you will have a one-year wait and a reduction in benefits.
                                      For Truck Driver LTD:
                                      You may enroll at any time during the year, but if you enroll at any time other than your
                                      Initial Enrollment Period, you will be required to provide Proof of Good Health.

* Some HMOs may require longer terms of employment for eligibility.
STD Plus and Starbridge are not available to Management associates, Management Trainees, and Full-Time Truck Drivers.




                            Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                            11
                   Full-Time Hourly Pharmacists**, Full-Time Hourly Field Logistics Associates,
                   and Full-Time Hourly Field Supervisor Positions in Stores and Clubs:
                   90-Day Wait
                 Plan                                    Enrollment Periods and Effective Dates

                 • Medical                               Initial Enrollment Period:
                 • HMO Plans*                            From the date of your first paycheck through 90 days from hire date.
                 • Dental (enrollment is for             When Coverage is Effective:
                   two full calendar years)              91st day of continuous Full-Time employment.
                 • AD&D                                  Cancer Insurance Policy and Accident Insurance Policy are effective on the first day
                 • Cancer Insurance Policy               of the month after your 91st day of continuous Full-Time employment. Proof of Good Health
                                                         is required.
                 • Accident Insurance Policy

                 Company-Paid Life                       Automatically enrolled at 90 days from hire date.

                 • Business Travel Accident              Automatically enrolled as of your first day of Active Work.
                 • Resources for Living


                 • Optional Life                         Initial Enrollment Period:
                 • Dependent Life                        From the date of your first paycheck through 90 days form hire date.
                 • Short-Term Disability                 When Coverage is Effective:
                                                         If you enroll during your Initial Enrollment Period, 91st day of continuous
                 • Long-Term Disability                  Full-Time employment or upon approval by Prudential for Optional Life and Dependent Life.
                 • Short-Term Disability Plus
                   (not available in California          For Optional or Dependent Life Insurance:
                   and Rhode Island)                     You may enroll at any time during the year, but Proof of Good Health may be required.
                                                         For STD and LTD and STD Plus:
                                                         You may enroll at any time during the year, but if you enroll at any time other than your
                                                         Initial Enrollment Period, you will have a one-year wait and a reduction in benefits.

                 Starbridge                              Initial Enrollment Period:
                                                         From the date of your first paycheck through 60 days from hire date.
                                                         When Coverage is Effective:
                                                         Coverage is effective on the date you enroll, but terminates on the date that you become
                                                         eligible for medical/HMO plans. See your personnel representative for details.

                 * Some HMOs may require longer terms of employment for eligibility.
                 ** California Pharmacists are eligible for the benefits listed in the chart for Management Associates earlier in this chapter.




                  Temporary Associates
                 Plan                                    Enrollment Periods and Effective Dates

                 • Business Travel Accident              Automatically enrolled as of your first day of Active Work.
                 • Resources for Living


                 Starbridge                              Initial Enrollment Period:
                                                         From the date of your first paycheck through 60 days from hire date.
                                                         When Coverage is Effective:
                                                         Coverage is effective on the date you enroll. See your personnel representative for details.


                 Life and Disability coverage is not available to Temporary associates




12   For more information, log on to walmartbenefits.com, 24/7 or
                                                       2008 Wal-Mart Associate Benefits Book




 Peak-Time Hourly Associates and
 Part-Time Truck Drivers: 365-Day Wait
Plan                                  Enrollment Periods and Effective Dates

• Medical                             Initial Enrollment Period:
• HMO Plans*                          Within 60 days of your one-year anniversary
• Cancer Insurance Policy             When Coverage is Effective:
                                      366th day of continuous employment as long as Wal-Mart is your primary employer.“Primary
• Accident Insurance Policy           Employer” means the employer who will provide you with the greatest percentage of total
                                      income this year
                                      Cancer Insurance Policy and Accident Insurance Policy are effective on the first day
                                      of the month after your 366th day of continuous Full-Time employment. Proof of Good Health
                                      is required.

• Business Travel Accident            Automatically enrolled as of your first day of Active Work.
• Resources for Living


Starbridge                            Initial Enrollment Period:




                                                                                                                                           Eligibility and Enrollment
                                      From the date of your first paycheck through 60 days from hire date.
                                      When Coverage is Effective:
                                      Coverage is effective on the date you enroll, but terminates on the date that you become
                                      eligible for medical/HMO plans. See your personnel representative for details.

* Some HMOs may require longer terms of employment for eligibility.
NOTE: Peak-Time associates and Part-Time Truck Drivers may only cover their Eligible Dependent children and may not cover their spouses.
Life and Disability coverage is not available to Peak-Time hourly associates and Part-Time Truck Drivers.



 Full-Time Hourly Vision Center Managers: No Wait
Plan                                  Enrollment Periods and Effective Dates

• Medical                             Initial Enrollment Period:
• HMO Plans*                          From the date of your first paycheck through 60 days from hire date.
• Dental (enrollment is for           When Coverage is Effective:
  two full calendar years)            Date of hire or promotion to Full-Time Hourly Vision Center Manager status
• AD&D                                Cancer Insurance Policy and Accident Insurance Policy are effective on the first day of
• Cancer Insurance Policy             the month after you enroll for coverage. Proof of Good Health is required.
• Accident Insurance Policy

Company-Paid Life                     Automatically enrolled at hire date.

• Business Travel Accident            Automatically enrolled as of your first day of Active Work.
• Resources for Living


• Optional Life                       Initial Enrollment Period:
• Dependent Life                      From the date of your first paycheck through 60 days of hire date.
• Short-Term Disability               When Coverage is Effective:
                                      If you enroll during your Initial Enrollment Period, 1st day of continuous Full-Time
• Long-Term Disability                employment or upon approval by Prudential for Optional Life and Dependent Life.
• Short-Term Disability Plus
  (not available in California        For Optional or Dependent Life Insurance:
  and Rhode Island)                   You may enroll at any time during the year, but Proof of Good Health may be required.
                                      For STD and LTD and STD Plus:
                                      You may enroll at any time during the year, but If you enroll at any time other than your
                                      Initial Enrollment Period, you will have a one-year wait and a reduction in benefits.

Starbridge                            Not available.

* Some HMOs may require longer terms of employment for eligibility.




                            Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                            13
                Paying for Your Benefits                                     You also can contribute to a health savings account
                                                                            on a pre-tax basis. See the Health Savings Account
                Your contributions/premiums will be withheld from
                                                                            chapter for more information.
                your paycheck by Wal-Mart. The first paycheck after
                your effective date should reflect deductions for each      If your payroll deductions are not withheld for any
                day that you had coverage within that pay period. If        reason, unpaid premiums must be paid in full back to
                an end-of-year pay period covers both the old and           your original effective date in order for coverage dur-
                new year, your deductions will reflect the deduction        ing that period to apply. This could result in extra
                amount for the old year through December 31 and             deductions from your paycheck.
                the new deduction amount for the new year, prorated
                for the number of days covered from January 1 until
                the end of the pay period.




                 How You Pay for Benefits
                                                                 Benefit Code             Premiums Paid         Premiums Paid
                 Benefit                                          on Paycheck             Pre-Tax               After-Tax

                 Optional Life Insurance                         INS LIFE                                                I

                 Associates’ Medical Plan                        INS MED                           I

                 Dental Insurance                                INS DEN                           I

                 Cancer Insurance Policy                         CANCER                            I

                 Accidental Death and Dismemberment              AD&D                              I

                 Short-Term Disability                           INS STD                                                 I

                 Short-Term Disability Plus                      STD+                                                    I

                 Long-Term Disability                            INS LTD                                                 I

                 HMO                                             INS MED HMO                       I

                 Starbridge                                      STAR                              I

                 Dependent Life Insurance                        INS DEP LIFE                                            I

                 Long-Term Disability Truck Driver               INS LTD                                                 I

                 Accident Insurance Policy                       ACCIDENT                          I



                Your payroll deductions reflect your cost for benefits
                for the payroll period ending on the date of your pay-
                check. So, if you are paid bi-weekly, your deductions
                are paying for coverage for the previous two weeks.
                Contributions/premiums are paid based on 26 pay
                periods excluding Rhode Island.




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                                             2008 Wal-Mart Associate Benefits Book




The deduction code used on your paycheck for                 Benefit Continuation If
each benefit is shown in the chart, How You Pay              You Go On a Leave of Absence
for Benefits. It’s important to check your paystub
                                                             A Leave of Absence provides you with needed time
to be sure that the proper deductions are being
                                                             away from work while maintaining eligibility for benefits
taken. Remember, you can view your paystub online
                                                             and continuity of employment.To accommodate situa-
the Monday before payday by going to “Online
                                                             tions that necessitate absence from work, the Company
Paystub” on walmartbenefits.com. If the coverage
                                                             provides three types of leave:
and deductions you selected are not shown correctly
on your paystub, call the Benefits Department                • Family Medical Leave Act of 1993 (FMLA):
immediately at (800) 421-1362.                                 An approved FMLA Leave provides you with time
                                                               away from work so that you can receive medical
Many of your Wal-Mart benefits can be paid for with pre-
                                                               treatment and/or recover from medical treatment,
tax dollars. Purchasing with “pre-tax” dollars means your
                                                               injury, or disability. This includes disabilities, pregnan-
payroll deductions for coverage are deducted from your
                                                               cy, childbirth, and other serious health conditions.
paycheck before federal and, in most cases, state taxes




                                                                                                                             Eligibility and Enrollment
are withheld.The result is that your pay remains the           Wal-Mart will maintain Medical, Dental and RFL
same but your taxes are lower, your benefits dollars go         coverage while you are on FMLA leave, where such
farther, and you get more for your money.                      coverage was provided before the leave was taken.
                                                               Such coverage will be maintained on the same
Because Social Security taxes are not withheld on any
                                                               terms and conditions as if you had continued to
“pre-tax” dollars you spend for benefits, these dollars
                                                               work during the leave period. You must make
will not be counted as wages for Social Security purpos-
                                                               arrangements to pay your share of health benefits
es. As a result, your future Social Security benefits may
                                                               costs during your FMLA leave by paying those
be reduced.
                                                               costs on a pre-tax basis before the leave or paying
Deductions for contributions that are past due or for          those costs on an after-tax basis during the leave.
retroactive elections may be made on an “after-tax” basis.     Upon returning from your FMLA leave, you many
                                                               contact the Benefits Department in regards to the
For information on how to pay for benefits while you are        reinstatement of your Medical, Dental, Life, and
on a Leave of Absence and are not receiving a Wal-Mart         Disability coverage .
paycheck, see Benefits Continuation If You Go On a
Leave of Absence in this chapter.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                   15
                • Personal Leave: An approved Personal Leave pro-             Your contribution/premium payment covers your cost
                  vides you with time away from work so that you can          for benefits for the period ending on the date of contri-
                  deal with personal situations such as a family crisis,      bution/premium bill. So, you are paying for coverage for
                  continuing your education, or caring for an ill or          the previous period. Because your contribution/premi-
                  injured relative.                                           um payment is for coverage you have already had, you
                • Military Leave: If you volunteer for or are required to     may experience an interruption in the payment of
                  perform active, full-time U.S. military duty or to fulfill   Medical, Dental and Prescription claims. To avoid an
                  National Guard or Reserve obligations, you will be          interruption, you may also pay for coverage in advance
                  granted a Military Leave.                                   when you pay your regular contribution/premium.
                                                                              For more information call Wal-Mart Benefits at
                You may continue or suspend coverage for yourself
                                                                              (800) 421-1362 or (479) 621-2929.
                or your Eligible Dependent’s while on military leave
                of absence. You also may have a right to reinstate            Payments for premiums may be made by check or
                coverage upon your return. Contact the Benefits               money order and should be payable to Associates’
                Department at (800)421-1362.                                  Health and Welfare Trust and mailed to:

                Decisions about leaves of absence are made by the             Wal-Mart Benefits Department 3001
                Company, not the AHWP.                                        P.O. Box 1039
                                                                              Lowell, AR 72745
                You should contact a member of your management
                team for additional information about FMLA, Personal          Please be sure to include your name, Benefits ID, and
                or Military Leave, or refer to Wal-Mart’s Leave of Absence    facility number on the payment to ensure proper credit.
                policy (PD-24) on the WIRE for more specific informa-          You may also pay by credit card by calling
                tion.You may also contact your personnel representative       (800) 421-1362 and selecting the credit card pay-
                or any member of the People Group for any questions           ment option.
                you may have about the application of the FMLA,
                Personal or Military Leave policy.                            Payments for Starbridge should be sent to:

                                                                              CIGNA HealthCare
                Paying for Benefits                                            Attn: Accounting
                While On a Leave of Absence                                   2222 W. Dunlap Ave., Suite 350
                To continue coverage for the following benefits, you           Phoenix, AZ 85021-2866
                must make payments for the associate portion of the
                                                                              Payments for the Cancer Insurance Policy and/or
                contribution by paying those costs on a pre-tax basis
                                                                              Accident Insurance Policy should be sent to:
                before the leave or paying those costs on an after-tax
                basis while you are on a Leave of Absence:
                                                                              Aflac
                • Medical                                                     Attn: PHS
                                                                              1932 Wynnton Road
                • Dental                                                      Columbus, GA 31999
                • Cancer Insurance Policy
                                                                              If you are on a Leave of Absence and payments are owed
                • Accident Insurance Policy
                                                                              to the Plan, any check issued by the Company, during or
                • Optional Life Insurance                                     after your Leave of Absence, will have the full amount of
                • Dependent Life Insurance                                    premiums deducted. Payment arrangements can be
                • Accidental Death and Dismemberment                          made by notifying the Benefits Department prior to your
                                                                              return to work.
                • Short-Term Disability Plus
                                                                              Generally, payments to continue your coverage can only
                                                                              be accepted from you or a family member.

                                                                              If your coverage is canceled, please see the applicable
                                                                              benefit section for how to reinstate coverage.

16   For more information, log on to walmartbenefits.com, 24/7 or
                                            2008 Wal-Mart Associate Benefits Book




Changing Your Benefits During                                  • Annulment
the Year: Status Change Events                                • Legal separation
Your ability to change your benefit coverage at any time
                                                            Events that change the number of your dependents:
other than the Annual Enrollment period depends on
                                                              • Birth
whether the benefit is paid for with pre-tax dollars or
after-tax dollars.                                            • Adoption
                                                              • Placement for adoption
• After-tax benefits can be changed (coverage added
  or dropped) at any time. After-tax benefits are              • Death of a dependent
  Optional Life Insurance, Dependent Life Insurance,          • Loss of custody
  Short-Term Disability, Long-Term Disability, and Truck
                                                              • Your paternity test result
  Driver Long-Term Disability.
• Pre-tax benefits generally can only be changed dur-          • An event that causes you or your dependent to
  ing the Annual Enrollment period unless you have a            satisfy or no longer satisfy the requirements for cov-
  Status Change Event. Pre-tax benefits are the                  erage, such as attainment of age (for instance, your




                                                                                                                         Eligibility and Enrollment
  Associates’ Medical Plan, HMO plans, Dental,                  dependent who is not a full-time student turning
  Accidental Death and Dismemberment, Starbridge,               19 years old), a change in student status, or other
  Cancer Insurance Policy and Accident                          similar circumstance.
  Insurance Policy.                                         • Employment changes

Because of the pre-tax nature of these premiums, federal    • Going on or returning from an approved leave
tax law generally requires that your pre-tax benefit           of absence.
choices remain in effect for the entire calendar year in    • Gaining or losing coverage due to starting or
which the choice was made. Pre-tax contributions to a         ending employment by you, your spouse, or
health savings account can be changed on a going-for-         your dependent.
ward basis at any time.                                     • A change in work schedule or status of you, your
                                                              spouse, or your dependent that affects your benefits
However, you may make certain coverage changes if one
                                                              eligibility or that of your spouse or dependent.
of the following Status Change Event s occurs. A Status
Change Event is an event that allows you to make            • A change in your work location that affects your
changes to your coverage outside of the Annual                medical options (HMO participants may have a
Enrollment period. Federal law generally requires that        Status Change Event based on a change in their resi-
your requested election change be on account of and           dence). You will have 60 calendar days from your
correspond with your change in status, and affect eligi-      transfer to submit a request to change your cover-
bility for coverage.This means that there must be a logi-     age. If you do not submit a request to change, your
cal relationship between the event that occurs and the        coverage will automatically be defaulted. Please refer
change you request.                                           to the 2008 Default Coverage earlier in this chapter.
                                                            • If you lose coverage under any other employer
These events include those listed below:
                                                              plan, you may change your coverage in a manner
                                                              consistent to the loss. For example, if your spouse
Events that change your marital status:
                                                              enrolls in or drops coverage during an Annual
  • Marriage
                                                              Enrollment at his or her place of employment or
  • Death of your spouse                                      due to a Status Change Event, you may change your
  • Divorce (including the end of a common-law mar-           coverage in a manner consistent with your spouse’s
    riage—in states where a divorce decree is required        change in coverage.
    to end a common-law marriage, the Company may
    require this documentation)




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               17
                • If you change your coverage with another employer            this chapter) requires you to provide medical cover-
                  that you have, you may change your coverage in a             age for your Eligible Dependents, you may add cov-
                  manner consistent with the change you made under             erage for your Eligible Dependent (and yourself, if
                  your other employer’s plan.                                  you are not already covered). If the order requires
                • If your ex-spouse enrolls in or drops coverage for           your spouse, former spouse, or other person to pro-
                  your Eligible Dependent during an Annual                     vide medical coverage for your dependent, and that
                  Enrollment period at his or her place of employment          other coverage is in fact provided, you may drop cov-
                  or due to a Status Change Event, you may change              erage for the dependent.
                  your coverage in a manner consistent with that             • If you, your spouse, or your dependents are enrolled
                  change in coverage.                                          in the Associates’ Medical Plan, an HMO plan,
                • Loss of coverage.                                            Accident Insurance Policy, Cancer Insurance Policy, or
                                                                               Starbridge, you can drop that coverage to the extent
                • You may add medical or dental coverage for you
                                                                               you, your spouse, or your dependents become enti-
                  and/or your Eligible Dependents if you originally
                                                                               tled to Medicare or Medicaid benefits.
                  declined coverage because you and/or your
                  dependents had COBRA coverage and that COBRA               • If you, your spouse, or your dependents gain eligibili-
                  coverage has since been exhausted (nonpayment of             ty under a governmental plan (other than Medicare
                  premiums is not sufficient for this purpose), or you          or Medicaid), you cannot drop the AMP, an HMO
                  and/or your dependents had non-COBRA medical                 plan, Accident Insurance Policy, Cancer Insurance
                  coverage and the other coverage has terminated               Policy, or Starbridge coverage except during the
                  due to loss of eligibility for coverage (such as loss of     Annual Enrollment period.
                  student-only coverage available through a college
                  due to the individual ceasing to be a student) or          Making Status
                  employer contributions towards the other coverage          Change Event Changes
                  have terminated.                                           When you have a Status Change Event, you must make
                • A change may also be allowed if there is a signifi-        your change within 60 days from the date of the event.
                  cant loss of coverage under the benefits available at      Any changes you make as a result of the Status Change
                  Wal-Mart, such as an HMO plan in your area discon-         Event must be consistent with the event and the gain or
                  tinuing service or ceasing to operate. The Plan will       loss of coverage.This means there must be a logical rela-
                  determine whether a significant loss of coverage           tionship between the event and the change you request.
                  has occurred.                                              For example, if you have a Status Change Event that
                                                                             affects your dependent child’s eligibility, you can only
                • A change may be allowed if the lifetime maximum
                                                                             drop or add coverage for that child. It would not be con-
                  for all medical benefits under another plan has
                                                                             sistent to add a spouse due to this event.
                  been met.
                • If you, your spouse, or your dependents lose               If you add a spouse or dependent due to a Status
                  coverage under a governmental plan, educational            Change Event, they will be subject to the same plan limi-
                  institution’s plan, or tribal government plan, you         tations that apply to you at that time, if any (for example,
                  can add coverage under the AMP, an HMO plan,               limits concerning transplant coverage, mental/nervous
                  Accident Insurance Policy, Cancer Insurance Policy,        disorder coverage, and routine mammogram and Pap
                  or Starbridge.                                             smear coverage).
                • Court order.                                               Associates and dependents will be subject to the same
                Gain of Other Coverage                                       plan limitations as the participant who has been covered
                • If an order resulting from a divorce, legal separation,    for the longer period of time.
                  annulment, or change in legal custody (including a
                                                                             The Plan reserves the right to request additional
                  Qualified Medical Child Support Order - see
                                                                             documentation necessary to show proof of a
                  “Qualified Medical Child Support Orders” later in
                                                                             Status Change Event.


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                                               2008 Wal-Mart Associate Benefits Book




Medical Plan Status Change Event Changes
                                                              When a Reset Applies to Medical
When you have a Status Change Event, you may change
                                                              Plan Changes Due to a Status
your medical plan option or:                                  Change Event (Annual Deductible,
• As a Value Plan participant, you may change your
                                                              Out-of-Pocket Maximum, and Health
                                                              Care Credit “Reset” to Zero)
  health care credit amount, Annual Deductible
  amount, Out-of-Pocket Maximum, Network option, or                                  Does                         Does the
  tier level (e.g., associate only, associate + spouse).                             Health       Does            Out-of-
                                                                                     Care         Annual          Pocket
• As a Freedom Plan participant, you may change your                                 Credit       Deductible      Maximum
                                                              Benefit                 Reset?       Reset?          Reset?
  Annual Deductible amount, Network option, or tier
  level (e.g., associate only, associate + spouse).           If you change your medical plan option
                                                              (Value Plan to Freedom Plan or Freedom to Value Plan):
Your change regarding tier level (e.g., associate only,
associate + spouse) must be consistent with the event         Change to              Yes          Yes             Yes
                                                              Value Plan
and the gain or loss of coverage.
                                                              Change to              Not          Yes             Yes




                                                                                                                                  Eligibility and Enrollment
If you make a change to your medical coverage, you may be     Freedom Plan           applicable
required to satisfy the new Annual Deductible and Out-of-     If you change your Annual
Pocket Maximum in full (“reset”). See When a Reset Applies    Deductible amount:
to Medical Plan Changes Due to a Status Change Event for
                                                              Value Plan             Yes          Yes             Yes
complete information.
                                                              Freedom Plan           Not          No, when        No, when
                                                                                     applicable   adding          adding
  For example, Associate A has satisfied his or her $500                                           participants;   participants;
                                                                                                  yes, when       yes, when
  Annual Deductible in the Value Plan. Associate A has a                                          dropping        dropping
                                                                                                  participants    participants
  Status Change Event and elects the Value Plan with a
  $350 Annual Deductible. Associate A has changed plan        If you change your health care credit amount or
                                                              Out-of-Pocket Maximum:
  options and must satisfy the new $350 Annual
  Deductible in full. The previously satisfied $500 Annual     Value Plan             Yes          Yes             Yes
  Deductible will not apply to the new Annual Deductible
                                                              Freedom Plan           Not          Not             Not
  and Out-of-Pocket Maximum.                                                         applicable   applicable      applicable

  Here’s another example: Associate C and Associate D         If you change your network option (Choice, Basic or Limited)
  are married. Each is enrolled in associate-only coverage.
                                                              Value Plan             Yes          Yes             Yes
  Associate C has enrolled in the Value Plan with a $500
  Annual Deductible and Associate D has enrolled in the       Freedom Plan           Not          No, when        No, when
  Value Plan with a $1,000 Annual Deductible. Both have                              applicable   adding          adding
                                                                                                  participants;   participants;
  satisfied their Annual Deductible. Associate D termi-                                            yes, when       yes, when
                                                                                                  dropping        dropping
  nates employment and enrolls under Associate C’s cov-                                           participants    participants
  erage. Associate C then changes to the Freedom Plan
                                                              If you change your tier level (associate only,
  with the $2,500 Annual Deductible under the Status          associate + spouse, etc.) when no other changes are made:
  Change Event rules. The previously satisfied Annual
  Deductibles will not apply to the new Annual                Value Plan             No           No              No
  Deductible.Together, Associate C and D both must satis-
                                                              Freedom Plan           Not          Yes,            Yes,
  fy the new $2,500 family Annual Deductible in full.                                applicable   if tier level   if tier level
                                                                                                  is reduced      is reduced
  If you continue the same coverage options (Annual
  Deductible,health care credit,Out-of-Pocket Maximum,and
  Network option),your Annual Deductible will not be reset.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                       19
                HIPAA Special Enrollment for                                  How to Change Your
                Medical Coverage                                              Elections Due to a Status Change Event
                Under the Health Insurance Portability and                    You must advise the Benefits Department within 60 days
                Accountability Act (HIPAA), you also may have a right to      after a Status Change Event.
                a “special enrollment” in medical coverage under the
                                                                              You can make changes online using the WIRE at work
                Plan if you lose other coverage or acquire a dependent.
                                                                              or on walmartbenefits.com for status changes due to:
                These events are described above in the list of Status
                Change Events. For example, if you are declining enroll-      • Marriage;
                ment for yourself or your dependents (including your
                                                                              • Birth;
                spouse) because of other health insurance or group
                health plan coverage, you may be able to enroll yourself      • Divorce;
                and your dependents in this Plan if you or your depend-       • Gain or loss of coverage by your spouse; or
                ents lose eligibility for that coverage (or if the employer   • Special enrollment period.
                stops contributing towards your or your dependents’           For all other types of status changes, call the Benefits
                other coverage). However, you must request enrollment         Department at (800) 421-1362.
                within 60 days after your or your dependents’ other cov-
                erage ends (or after the employer stops contributing          Changes to your coverage will be effective on the event
                toward the other coverage).                                   date of the Status Change Event (the Cancer Insurance
                                                                              Policy and Accident Insurance Policy are effective the
                In addition, if you have a new dependent as a result of       date your policy is issued by Aflac). If a change is made
                marriage, birth, adoption, or placement for adoption,         due to your going on an unpaid Leave of Absence, the
                you may be able to enroll yourself and your depend-           change will be effective as of the effective date of your
                ents. However, you must request enrollment within 60          Leave of Absence.
                days after the marriage, birth, adoption, or placement
                for adoption.                                                 If you do not notify the Benefits Department of the
                                                                              Status Change Event within 60 days, you will not be
                To request special enrollment or obtain more                  able to add or drop coverage until the next Annual
                information, read the Status Change Events information        Enrollment period.
                in this chapter or contact the Benefits Department
                at (800) 421-1362.                                            Also, if the Status Change Event is your dependent losing
                                                                              eligibility, your dependent will lose the right to elect
                                                                              COBRA coverage for medical or dental benefits if you do
                                                                              not notify the Benefits Department of the event within
                                                                              60 days.




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                                                            2008 Wal-Mart Associate Benefits Book




If Your Job                                                                       You will have 60 days from the date of your transition to
Classification Changes                                                             a Peak-Time hourly or Part-Time Truck Driver position to
                                                                                  elect any other medical coverage option available to you
If You Transition from                                                            and your spouse and/or dependents under the AHWP.
a Full-Time Hourly, Full-Time                                                     You may not drop medical coverage for yourself, your
Truck Driver, or Management Position                                              spouse and/or you dependent children during the plan
to a Peak-Time Hourly or                                                          year. If you do not elect to change your coverage option
Part-Time Hourly Truck Driver
                                                                                  within the 60-day enrollment period, you will continue in
If you are a Full-Time hourly, Full-Time Truck Driver or                          the same Full-Time medical coverage option.You may
management associate who transitions to a Peak-Time                               change elections during any future Annual Enrollment
hourly or Part-Time Truck Driver position between May                             period or as the result of a Status Change Event.
13, 2006 and December 31, 2007, you will be entitled to
continue eligibility for Full-Time medical coverage                               If you elect to change your medical coverage option, you
through the end of the calendar year following the year                           will be required to satisfy the Annual Deductible and
when you made the transition.                                                     Out-of-Pocket Maximum of your new medical coverage




                                                                                                                                              Eligibility and Enrollment
                                                                                  option in full.
If medical and/or dental coverage ends, continuation of
coverage under COBRA may be available (see the
COBRA chapter).



  Coverage Effective Date for Associates Who Transition from
  Peak-Time to Full-Time Hourly or Management
If Your Transition Occurs:                    Date Coverage is Effective*

Less than 90 days after your                  91st day of continuous employment from your hire date, as long as you
date of hire (transitioning to                enroll within 60 days of the date you transition
Full-Time hourly pharmacists,
Field Logistics Associates, and
Field Supervisors

More than 90 days after your                  1st day of the pay period you transition to Full-Time employment, as long as you
date of hire (transitioning to                enroll within 60 days from the date of your hire
Full-Time hourly pharmacists,
Field Logistics Associates, and
Field Supervisors

Less than 180 days after your                 181st day of continuous employment from your hire date, as long as you enroll
date of hire (transitioning to                within 120–180 days from the date of hire or 60 days from the date of your transition
Full-Time hourly associate)                   (whichever is the longer period).


More than 180 days after your                 1st day of the pay period you transition to Full-Time employment, as long as you
date of hire (transitioning to                enroll within 60 days from the date of your transition
Full-Time hourly associate)

More than 365 days after your                 If you were enrolled in medical coverage as Peak-Time associate, you will keep your
date of hire (transitioning to                current medical coverage and will not be able to add additional dependents, except for a
any Full-Time hourly or                       spouse (the enrollment of a spouse must be made within 60 days from your transition).
Management position)                          You may enroll for other coverage for which you are eligible, or add additional dependents,
                                              at the next Annual Enrollment period or upon a Status Change Event.
                                              If you were not enrolled in medical coverage as Peak-Time associate, you may add a
                                              spouse or a family coverage only.You may not may not make any other change to your
                                              medical coverage until the next Annual Enrollment period or Status Change Event.

If you transition from Temporary You will have an eligibility date from one year of the hire date.
status to Peak-Time status

* See the “Eligibility, Enrollment and Effective Date” chart for your new job status earlier in this chapter.




                               Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                            21
                If You Transition from a Management to                        Qualified Medical Child
                Full-Time Hourly Position                                     Support Orders (QMCSO)
                If you transition from management to hourly, your cur-        A QMCSO is a final court or administrative agency order
                rent benefits selections will remain in effect.You also will   that requires an associate or other parent or guardian to
                be automatically enrolled for Short-Term Disability and       provide health care coverage for Eligible Dependents
                Short-Term Disability Plus coverage. If you do not wish to    after a divorce or child custody proceeding. Federal law
                carry this coverage, you have 60 days to notify the           requires the Plan to provide medical and dental benefits
                Benefits Department. Any premiums paid for the cover-          to any Eligible Dependent of a plan participant required
                age will be refunded.                                         by court order meeting the qualifications of a QMCSO.

                If You Transition from                                        The written procedures for determining whether an
                a Peak-Time to a Full-Time Hourly                             order meets the Federal requirements may be obtained
                or Management Position                                        free of charge by contacting the Benefits Department
                Your eligibility waiting period will begin on your date of    at (800) 421-1362.
                hire and is based on your status in the Company’s payroll
                                                                              Once the Plan receives a QMCSO, coverage will begin the
                system at the time you transition. See the chart
                                                                              first day of the pay period after the Plan receives the
                “Coverage effective date for associates who transi-
                                                                              order or the date specified in the order. If you are in your
                tion from Peak-Time to Full-Time hourly or manage-
                                                                              eligibility waiting period when the order is issued, you
                ment” in this chapter for the date coverage is effective.
                                                                              will be enrolled in Starbridge coverage. If you are eligible
                                                                              for the Associates’ Medical Plan and did not have cover-
                                                                              age before the order was issued, you will be enrolled in
                                                                              the Value Plan associate + child coverage and you will
                                                                              need to choose the Annual Deductible, Out-of-Pocket
                                                                              Maximum and health care credit amount, unless other-
                                                                              wise provided in the order. If you were enrolled for cov-
                                                                              erage before the order was received, your child will be
                                                                              added under your existing coverage.

                                                                              If the Plan receives a QMCSO and you are a Peak-Time
                                                                              associate in an eligibility waiting period, the order will
                                                                              be put into effect when your eligibility waiting period
                                                                              is satisfied.




22   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Dropping or                                                   When Your
Changing QMCSO Coverage                                       AHWP Coverage Ends
You may drop coverage that was put into effect due to a       Coverage under the Associate Health and Welfare Plan
QMCSO if the QMCSO is terminated or rescinded under a         for you and your dependents will end on the earliest of
court or administrative agency order. Coverage may be         the following:
canceled effective the first day of the pay period after
the Plan receives the order (or any later date, if specified   • At termination of your employment;
in the order).                                                • Upon failure to pay your premiums;
                                                              • On the date of death of you or your dependent;
You may change your Annual Deductible and/or type
of coverage prior to your effective date if the court or      • On the date you, a dependent spouse, or
administrative agency order does not specify the type           child loses eligibility;
of coverage and if you are within your Initial Enrollment     • On the last day of an approved Leave of Absence
Period. If you are past your Initial Enrollment Period          (unless you return to work);
and did not have coverage prior to the QMCSO, you             • When the benefit is no longer offered by




                                                                                                                        Eligibility and Enrollment
will have 60 days from the date of the order to                 Wal-Mart; or
change your Annual Deductible and other coverage
                                                              • Upon misrepresentation or the fraudulent
features. If you do not submit a change, your cover-
                                                                submission of a claim for benefits.
age will automatically be defaulted. Please refer to the
2008 Default Coverage chart earlier in this chapter.

You may also change your Annual Deductible and cov-
erage during the Annual Enrollment period, consistent
with the QMCSO.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              23
Claims and Appeals

 Where Can I Find?
 Deadlines to File a Claim or Bring a Legal Action. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
 Appealing an Enrollment or Eligibility Status Decision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
 The Medical, Dental, Pharmacy, and RFL Claim Process. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
 Information Regarding Rights of the Associates’ Medical Plan and
    the Dental Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
 Participant’s Responsibility Regarding Right of Reduction and/or Recovery . . . . . . . . 29
 The Aetna Limited Network Claim Process. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
 Starbridge Claims and Appeals Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32
 HMO Plan Claims and Appeals Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32
 Filing a Claim for Resources for Living Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32
 The Accident Insurance Policy and Cancer Insurance Policy Claim Process . . . . . . . . . . 32
 The Company-Paid, Optional, and Dependent Life Insurance and
    Business Travel Accident Insurance Policy Claim Process . . . . . . . . . . . . . . . . . . . . . . . . . 33
 The Travel Assistance Claim Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
 The Claim Process for All Types of Disability Coverage Claims . . . . . . . . . . . . . . . . . . . . . . 35
 The Accidental Death and Dismemberment Claim Process . . . . . . . . . . . . . . . . . . . . . . . . . 37
                                                2008 Wal-Mart Associate Benefits Book




Claims and Appeals
As a participant in the Associates Health and Welfare Plan (AHWP), you have the right to
appeal a decision on the Plan eligibility and benefits. This chapter describes the process and
the deadlines for appealing an Eligibility, Medical, Dental, Pharmacy, Life Insurance, Disability,
AD&D, Resources for Living, or Cancer and Accident Insurance Policy claim that has been par-
tially or fully denied. To protect your right to appeal, it’s important to follow these processes
and meet the deadlines!


Claims and Appeals Resources
Find What You Need                     Online                                         Other Resources

Designate an authorized                                                               Call the Benefits Department
representative to submit                                                              at (800) 421-1362
claims or appeals on your behalf




                                                                                                                                       Claims and Appeals
Appeal a decision on eligibility for   Write to:
coverage under the benefit plans
                                       Wal-Mart Benefits Department
                                       Attn: Appeals
                                       922 West Walnut, Suite A
                                       Rogers, AR 72756-3540


Submit a claim for benefits             Submit claims to the plan’s Third Party Administrator for the Medical, Dental and Pharmacy
                                       plans; Prudential for the life insurance and the Business Travel Accident plans; The Hartford
                                       for the disability plans; MetLife for the AD&D plan; Aflac for the Cancer and Accident
                                       Insurance Policies. AXA for AXA Travel Assistance; or Medex for Medex Travel Assistance.
                                       See this chapter for addresses and phone numbers.

Appeal the denial of a claim           Submit appeals for the medical plan to the Wal-Mart Benefits Department; Delta Dental
                                       for Dental plan appeals; Prudential for the life insurance and the Business
                                       Travel Accident plans; The Hartford for the disability plans; MetLife for the AD&D plan;
                                       Aflac for the Cancer and Accident Insurance Policies. See this chapter for addresses and
                                       phone numbers.




What You Need to Know About Claims and Appeals
• You have the right to appeal a decision that you or a family member is not eligible for coverage under a plan.
• You submit claims for benefits directly to the Third Party Administrator or provider of the plan option.
• You have the right to appeal a benefits claim that has been fully or partially denied.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                           25
                Deadlines to File a                                         The Medical, Dental,
                Claim or Bring a Legal Action                               and Pharmacy Claim Process
                Unless otherwise specified in the chapter describing         This section describes the claim process that will be
                the applicable benefit, you or your dependent(s) must        followed for the following benefits only:
                file an initial claim for benefits under the AHWP within
                                                                            • Medical benefits if you are covered by BlueCross
                12 months from the date of service (18 months if coor-
                                                                              BlueShield of Alabama (PPO and Limited Network),
                dinating with another plan). You or your dependent(s)
                                                                              BlueAdvantage Administrators of Arkansas (PPO and
                must complete the required claims and appeals
                                                                              Limited Network), BlueCross BlueShield of Illinois
                process described in the Claims and Appeals chapter
                                                                              (PPO and Limited Network), Humana Limited
                before you may bring legal action. You may not file a
                                                                              Network, UnitedHealthcare Limited Network, and
                lawsuit for benefits if the initial claim or appeal is not
                                                                              Aetna Limited Network. (Note, for more information
                made within the time periods set forth in the claims
                                                                              about the claims process for the Aetna Limited
                procedures of the AHWP.
                                                                              Network, see Submitting Claims to the Aetna
                You must file any lawsuit for benefits within 180 days          Limited Network later in this chapter.)
                after the decision on appeal.You may not file suit after     • Dental benefits if you are covered by Delta Dental
                that 180-day period expires.You or your dependent(s)          (PPO or Premier)
                are not required to request a voluntary review of the
                                                                            • Pharmacy benefits if you are covered by
                decision on appeal before filing a lawsuit. If you or your
                                                                              WMS/NextRx
                dependent(s) do request a voluntary review of the deci-
                sion on appeal, where applicable, the time taken by the     This section does not apply to Starbridge (see
                voluntary review will not be counted against the 180        Starbridge Claims later in this chapter), RFL (see RFL
                days you have to file a lawsuit.                             Claims later in this chapter) or the HMO plans (see
                                                                            HMO Claims later in this chapter).
                Appealing an Enrollment                                     Information about your rights under the medical and
                or Eligibility Status Decision                              dental plans can be found in Information Regarding
                If you disagree with the Plan Administrator’s determina-    Rights of the Associates’ Medical Plan and the Dental
                tion regarding your enrollment or eligibility status, you   Plan later in this chapter.
                have 365 days from your eligibility enrollment event to
                appeal in writing to the following address:                 Except where prior authorization is required, any review
                                                                            by the Third Party Administrator before you file a claim
                Wal-Mart Benefits Department                                 for benefits or receive treatment is non-binding on the
                Attn: Appeals
                                                                            Plan and not subject to appeal.
                922 West Walnut, Ste. A
                Rogers, AR 72756-3540                                       Where prior authorization is not required, your initial
                Your appeal will be handled within 60 days from             medical, dental, and pharmacy claim will be determined
                the date it is received by the Plan, unless an extension    by the Third Party Administrator, Delta Dental, or
                is required.                                                WMS/NextRx where applicable. Within a reasonable
                                                                            time, but no later than 30 days after a claim is made,
                If you have submitted a claim for Medical, Dental, or       you will receive an Explanation of Benefits (EOB). The
                Pharmacy benefits and it has been denied due to the          EOB will detail:
                Plan’s determination regarding your enrollment or eligi-
                bility status, see If Your Medical, Pharmacy, or Dental     • The amount allowed by the Plan;
                Claim is Fully or Partially Denied later in this chapter.   • The amount applied to your Annual Deductible and
                                                                              Coinsurance, if any; and
                                                                            • The amount owed by you to the provider.




26   For more information, log on to walmartbenefits.com, 24/7 or
                                               2008 Wal-Mart Associate Benefits Book




If your claim is partially or fully denied, you will receive   If Your Medical, Dental, or
written notice of the decision no later than 30 days           Pharmacy Claim is Fully or Partially Denied
after the Third Party Administrator, Delta Dental, or          You may request an appeal of the decision. In order for
WMS/NextRx receives your claim.The denial will include         your appeal to be considered, it must:
the following information:
                                                               • Be in writing;
• The specific reason(s) for the denial;
                                                               • Be sent to the correct address;
• Reference to provisions of the Plan on which the
                                                               • Be submitted within 365 days of the date of the ini-
  denial was based;
                                                                 tial denial; and
• Information regarding time limits for appeal;
                                                               • Contain any additional information/documentation
• A statement that you have the right to obtain, upon            you would like considered.
  request and free of charge, a copy of internal rules or
                                                               Send your written request for review of the initial
  guidelines relied upon in making this determination;
                                                               claim to:
• If your denial is based on Medical Necessity or similar
  limitation, an explanation of this rule (or a statement      Medical/Pharmacy Appeals
                                                               Wal-Mart Benefits Department
  that it is available upon request); and
                                                               Attn: Appeals




                                                                                                                            Claims and Appeals
• Notice regarding your right to bring a court action          922 West Walnut, Ste. A
  following a denial on appeal.                                Rogers, AR 72756-3540
The 30-day period may be extended for 15 days if it is         Dental Appeals
determined that an extension is necessary due to mat-          Appeals Committee
ters beyond the Plan’s control.You will be notified prior       Delta Dental of Arkansas
to the end of the 30-day period if an extension or addi-       P.O. Box 15965
                                                               N. Little Rock, AR 72231-5965
tional information is required. If you are asked to provide
additional information, you will have 45 days from the         Your appeal will be conducted without regard to your
date you are notified to provide the information and the        initial determination by someone other than the party
time to make a determination will be suspended until           who decided your initial claim.You have the right to
you provide the requested information (or the deadline         request copies, free of charge, of all documents, records,
to provide the information, if earlier).                       or other information relevant to your claim.

                                                               You may designate an authorized representative to sub-
                                                               mit claims or appeals on your behalf.The form required
                                                               to designate an authorized representative may be
                                                               requested by calling the Benefits Department at
                                                               (800) 421-1362 or by writing:

                                                               Wal-Mart Benefits Department
                                                               Attn: Appeals
                                                               922 West Walnut, Ste. A
                                                               Rogers, AR 72756-3540




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                27
                You will receive written notice of the decision on review   Information Regarding
                within 60 days following receipt of your appeal.            Rights of the Associates’
                If your claim is denied on appeal (by the AHWP, Delta
                                                                            Medical Plan and the Dental Plan
                Dental, or Aetna (with respect to prior authorization)),    Right to Request Medical Records
                you will receive a denial notice that includes:
                                                                            The Plan has the right to request medical records for
                • The specific reason(s) for the denial;                     any associate or covered individual.

                • Specific reference to the provisions of the AHWP
                                                                            Plan’s Right to Recover Overpayment
                  upon which the denial was based;
                                                                            Payments are made in accordance with the provisions of
                • A statement describing your right to request copies,
                                                                            the Plan. If it is determined that payment was made for
                  free of charge, of all documents, records, or other
                                                                            benefits that are not covered by the Plan, for a partici-
                  information relevant to your claim;
                                                                            pant who is not covered by the Plan, when other insur-
                • A statement that you have the right to obtain, upon       ance is primary, or other similar circumstances, the Plan
                  request and free of charge, a copy of internal rules or   has the right to recover the overpayment.The Plan will
                  guidelines relied upon in making this determination;      try to collect the overpayment from the party to whom
                • An explanation of this rule (or a statement that it is    the payment was made. However, the Plan reserves the
                  available upon request), if your denial is based on a     right to seek overpayment from you and/or your
                  medical necessity or similar limitation;                  dependents. Failure to comply with this request will enti-
                • A description of any voluntary review procedures          tle the Plan to withhold benefits due you and/or your
                  available; and                                            dependents.The Plan has the right to refer the file to an
                • Notice regarding your right to bring a court action       outside collection agency if internal collection efforts are
                  following a denial on appeal.                             unsuccessful.The Plan may also bring a lawsuit to
                                                                            enforce its rights to recover overpayments.
                Requesting a Voluntary
                Review of Your Denied Appeal                                Your Right to Recover Overpayment
                If you have additional information that was not in your     If you overpay your contributions or premiums for any
                appeal, you may ask for a voluntary review of the deci-     coverage under the Plan (except COBRA) the Plan will
                sion on your appeal within 180 days of your receipt of      refund excess contributions or premiums to you upon
                the denial.The same criteria and response times that        request. In this circumstance, any refunds you receive
                applied to your appeal are generally applied to this vol-   may be offset by any benefits paid during this period
                untary level of review.                                     by the Plan if you or a dependent were not eligible for
                                                                            such coverage.
                See Your Right to Bring Legal Action earlier in this
                chapter regarding the deadline to bring a legal action.




28   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Right to Reduction,                                        Cooperation Required
Reimbursement, and Subrogation                             The Plan requires you, your dependents, and your repre-
The Plan has the right to:                                 sentatives to cooperate in order to guarantee reimburse-
                                                           ment to the Plan from third party benefits. Failure to
• Reduce or deny benefits otherwise payable by the
                                                           comply with this request will entitle the Plan to withhold
  Plan; and
                                                           benefits due to you or your dependents under the Plan.
• Recover or subrogate 100 percent of the benefits          You, your dependents, and/or your representatives can-
  paid or to be paid by the Plan for covered persons, to   not do anything to hinder reimbursement of overpay-
  the extent of any and all of the following payments:     ment to the Plan after benefits have been accepted by
  —Any judgment, settlement, or payment made or to         you, your dependents, and/or your representatives.
   be made because of an accident or malpractice,
                                                           These rights apply regardless of whether such payments
   including but not limited to other insurance
                                                           are designated as payment for, but not limited to:
  —Any auto or recreational vehicle insurance coverage
   or benefits, including but not limited to uninsured/     • Pain and suffering; or
   underinsured motorist coverage                          • Medical benefits.
  —Business medical and/or liability insurance coverage    This applies regardless of whether you or your depend-




                                                                                                                        Claims and Appeals
   or payments                                             ents have been fully compensated for injuries.
  —Attorney’s fees                                         Additionally, the Plan has the right to file suit on your
Also note that:                                            behalf for the condition related to the medical expens-
                                                           es in order to recover benefits paid or to be paid by
• The Plan has first priority with respect to its right     the Plan.
  to reduction, reimbursement, and subrogation.
• The Plan has the right to recover interest on the        Participant’s Responsibility
  amount paid by the Plan because of the accident.         Regarding Right of Reduction
• The Plan has the right to 100 percent reimbursement      and/or Recovery
  in                                                       To aid the Plan in its enforcement of its right of reduc-
  a lump sum.                                              tion, recovery, reimbursement, and subrogation, you
• The Plan is not subject to any state laws, including     and your representative must, at the Plan’s request
  but not limited to the common fund doctrine, which       and at its discretion:
  would purport to require the Plan to reduce its
                                                           • Take any action;
  recovery by any portion of a covered person’s attor-
  ney’s fees and costs.                                    • Give information; and

• The Plan is not responsible for the covered person’s     • Sign documents so required by the Plan.
  attorney’s fees, expenses, or costs.                     Failure to aid the Plan and to comply with such requests
• The right of reduction, reimbursement, and subroga-      may result in the Plan’s withholding or recovering bene-
  tion is based on the Plan language in effect at the      fits, services, payments, or credits due or paid under
  time of judgment, payment, or settlement.                the Plan.

• The Plan’s right to reduction, reimbursement, and        The Plan’s right to reimbursement applies when the Plan
  subrogation applies to any funds recovered from          pays medical benefits, and a judgment, payment, or set-
  another party, by or on behalf of the estate of any      tlement is made on behalf of the covered person for
  covered person.                                          whom the medical benefits were paid. Reimbursement
• The Plan’s right to first priority shall not be reduced   to the Plan of 100 percent of these charges shall be
  due to the participant’s own negligence.                 made at the time the payment is received by you, your
                                                           dependent(s), or your representative.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            29
                Right to Audit                                                Urgent Care Claims
                The Plan has the right to audit your and your depen-          If the service you are requesting is subject to Aetna’s
                dent’s claims as well as providers.The Plan may reduce or     prior authorization requirement and is an urgent care
                deny benefits for otherwise covered services for all cur-      claim as determined by Aetna or your physician, you will
                rent and/or future claims with the provider and/or you        be notified of Aetna’s claim decision not later than 72
                and your dependents based on the results of an audit.         hours after the claim is received.

                                                                              A claim involving urgent care is any claim for medical
                Right to Salary/Wage Deduction
                                                                              care or treatment with respect to which the application
                To the extent that the Plan may recover from you or your
                                                                              of the non-urgent time periods could seriously jeopard-
                dependents all or part of benefits previously paid, you
                                                                              ize your life or health or your ability to regain maximum
                shall be deemed, by virtue of your enrollment in this
                                                                              function, or, in the opinion of a physician with knowl-
                Medical coverage, to have agreed that the Company may
                                                                              edge of your medical condition, would subject you to
                deduct such amounts from your wage or salary and pay
                                                                              severe pain that cannot be adequately managed with-
                the same to the Plan until recovery is complete.
                                                                              out care or treatment.
                If you enroll for coverage under the Plan, you will be
                                                                              If there is not sufficient information to decide the claim,
                treated by the Plan as if you had consented to the appli-
                                                                              you will be notified of the information necessary to com-
                cable payroll deductions for such coverage. In addition, if
                                                                              plete the claim as soon as possible, but not later than 24
                you fail to affirmatively enroll or re-enroll during Annual
                                                                              hours after receipt of the claim.You will be given a rea-
                Enrollment, you will be treated by the Plan as if you had
                                                                              sonable additional amount of time, but not less than 48
                consented to the automatic re-enrollment described in
                                                                              hours, to provide the information, and you will be noti-
                the Eligibility and Enrollment chapter, including the
                                                                              fied of the decision not later than 48 hours after the end
                applicable payroll deductions.
                                                                              of that additional time period (or after receipt of the
                                                                              information, if earlier).
                The Aetna Limited
                Network Claim Process                                         Other Claims (Pre-Service and Post-Service)
                If you are enrolled in the Aetna Limited Network, your
                                                                              If the service you are requesting is subject to Aetna’s
                claims may be subject to different timeframes,
                                                                              prior authorization requirement and is not urgent (a
                depending on the type of claim. Aetna also requires
                                                                              “pre-service claim”), you will be notified of Aetna’s deci-
                prior authorization for certain services. A list of these
                                                                              sion not later than 15 days after receipt of the pre-serv-
                services is in the The Medical Plan chapter. Aetna will
                                                                              ice claim.
                make all initial claims determinations on behalf of the
                Associates’ Health and Welfare Plan (AHWP) under the          If the service you are requesting is not subject to Aetna’s
                procedures and timeframes described below. Your               prior authorization requirement (a “post-service claim”),
                Network provider will file your claim for you, or you         you will be notified of Aetna’s decision not later than 30
                may file a claim directly with Aetna at the address           days after receipt of the claim.
                listed on the back of your Benefits ID card or in
                The Medical Plan chapter of this book.




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                                               2008 Wal-Mart Associate Benefits Book




For either a pre-service or a post-service claim, these        If Your Aetna Limited Network Claim is
time periods may be extended up to an additional 15            Fully or Partially Denied
days due to circumstances outside Aetna’s control. In          If the service you request is subject to Aetna’s prior
that case, you will be notified of the extension before the     authorization requirement, Aetna also will act as the
end of the initial 15- or 30-day period. For example, they     AHWP’s named fiduciary and will make appeals decisions
may be extended because you have not submitted suffi-           on behalf of the AHWP. If the service you request is not
cient information, in which case you will be notified of        subject to Aetna’s prior authorization requirement, or if
the specific information necessary and given an addi-           the service requires prior authorization but prior authori-
tional period of at least 45 days after receiving the notice   zation is not obtained (for example, you receive treat-
to furnish that information.You will be notified of Aetna’s     ment first and then file a claim for reimbursement), the
claim decision no later than 15 days after the end of that     AHWP Appeals Committee will act as the AHWP’s named
additional period (or after Aetna’s receipt of the addi-       fiduciary and will make appeals decisions under the
tional information, if earlier).                               appeals procedures for medical claims described below.
For pre-service claims that name a specific claimant,           In order for your appeal to be considered, it must:
medical condition, and service or supply for which
approval is requested and which are submitted to an            • Be sent to the address listed in your claims denial




                                                                                                                             Claims and Appeals
Aetna representative responsible for handling benefit             letter; and
matters, but which otherwise fail to follow Aetna’s proce-     • Be submitted within the time period listed in your
dures for filing pre-service claims, you will be notified of       claims denial letter.
the failure within 5 days (within 24 hours in the case of
                                                               Appeals to Aetna for Urgent,
an urgent care claim) and of the proper procedures to be
                                                               Pre-Service, and Concurrent Claims
followed.The notice may be oral unless you request writ-
                                                               You will have 180 days following the date of the initial
ten notification.
                                                               denial to appeal a claim denied by Aetna for urgent, pre-
                                                               service, and concurrent care claims.You may submit writ-
Ongoing Course of
Treatment (Concurrent Claims)                                  ten comments, documents, records, and other informa-
                                                               tion relating to your claim, whether or not the com-
If you have received prior authorization from Aetna for
                                                               ments, documents, records, or other information were
an ongoing course of treatment, you will be notified in
                                                               submitted in connection with the initial claim.You may
advance if Aetna intends to terminate or reduce benefits
                                                               also request that Aetna provide you, free of charge,
for the previously authorized course of treatment so you
                                                               copies of all documents, records and other information
will have an opportunity to appeal the decision and
                                                               relevant to the claim.
receive a decision on that appeal before the termination
or reduction takes effect. If the course of treatment          If your claim involves urgent care, an expedited appeal
involves urgent care and you request an extension of the       may be initiated by a telephone call to Aetna Member
course of treatment at least 24 hours before its expira-       Services, either at the telephone number listed on your
tion, you will be notified of the decision within 24 hours      Benefits ID Card or the expedited appeal phone number
after receipt of the request.                                  provided in the denial letter.You or your authorized rep-
                                                               resentative may appeal urgent care claim denials either
The concurrent review process assesses the necessity for
                                                               orally or in writing. All necessary information, including
continued stay, level of care, and quality of care for indi-
                                                               the appeal decision, will be communicated between you
viduals receiving inpatient services. All inpatient services
                                                               or your authorized representative and Aetna by tele-
extending beyond the initial certification period will
                                                               phone, facsimile, or other similar method.You will be
require concurrent review.
                                                               notified of Aetna’s appeal decision not later than 36
                                                               hours after the appeal is received.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                 31
                If you are dissatisfied with an appeal decision that            Filing a Claim for
                involves urgent care, you may file a second level appeal        Resources for Living Benefits
                to Aetna on an expedited basis.The second level appeal
                                                                               You do not have to file a claim for Resources for Living
                will be processed in the same manner as the first level
                                                                               benefits.You may access the Resources for Living web-
                appeal, and you will be notified of the decision by Aetna
                                                                               site or contact Resources for Living at any time. However,
                not later than 36 hours after the appeal is received.
                                                                               if you have a question about your benefits, or disagree
                For pre-service or concurrent care claims, you will be         with the benefits provided, you may contact the Wal-
                notified of Aetna’s appeal decision not later than 15 days      Mart Benefits Department or file a claim by writing to
                after the appeal is received. If you are dissatisfied with      the following address:
                the appeal decision, you may file a second level appeal         Wal-Mart Benefits Department
                to Aetna within 60 days of receipt of the first level appeal    922 West Walnut, Ste. A
                decision. Send your appeal request to Aetna at the             Rogers, AR 72756-3540
                address provided in your initial decision letter and Aetna
                                                                               Any appeals will be determined under the time frames
                will notify you of the decision not later than 15 days after
                                                                               and requirements set out in the procedures for filing a
                the appeal is received.
                                                                               claim for medical benefits in this chapter.
                See Your Right to Bring Legal Action earlier in this
                chapter regarding the deadline to bring a legal action.        The Accident Insurance
                                                                               Policy and Cancer Insurance
                Starbridge Claims                                              Policy Claim Process
                and Appeals Procedures                                         Accident Insurance Policy and Cancer Insurance Policy
                If you participate in Starbridge, a benefit booklet will be     claims should be submitted to:
                provided by Starbridge.That, together with this docu-
                                                                               Aflac
                ment, will serve as the governing plan documents for           1932 Wynnton Rd.
                Starbridge coverage and will describe their claims and         Columbus, GA 31999
                appeals procedures. Contact Starbridge at
                (800) 288-1474 for more information.                           When you submit a claim to Aflac and your claim is
                                                                               denied, a notice will be sent within a reasonable time
                HMO Plan Claims                                                period but no later than 30 days after Aflac receives the
                and Appeals Procedures                                         claim (filed in accordance with the Accident Insurance
                                                                               Policy or Cancer Insurance Policy). In special circum-
                In some facilities, Wal-Mart offers health insurance cover-
                                                                               stances, an extension of time may be needed to make a
                age through HMOs as part of the AHWP. If you partici-
                                                                               decision. In that case, Aflac may take a 15-day extension.
                pate in an HMO, the HMO will provide a benefit booklet
                                                                               You will receive written notice of the extension before
                that, together with this document, will serve as the
                                                                               the end of the 30-day period.
                Summary Plan Description for the HMO coverage and
                will describe their claims and appeals procedures.




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                                                2008 Wal-Mart Associate Benefits Book




If your claim is denied, your denial will consist of a        The Company-Paid, Optional, and
written explanation which will include:                       Dependent Life Insurance and
• The specific reason(s) for the denial;
                                                              Business Travel Accident Insurance
                                                              Claim Process
• Reference to provisions of the Plan on which the
                                                              Company-Paid, Optional, and Dependent Life Insurance
  denial was based;
                                                              and Business Travel Accident Insurance claims should be
• Information regarding time limits for appeal;
                                                              submitted to:
• A statement that you have the right to obtain, upon
                                                              Prudential Insurance Companies of America
  request and free of charge, a copy of internal rules or
                                                              Prudential/Wal-Mart Division
  guidelines relied upon in making this determination;        P.O. Box 13644
• If your denial is based on Medical Necessity or similar     Philadelphia, PA 19176
  limitation, an explanation of this rule (or a statement
                                                              When you submit a claim to Prudential and your claim is
  that it is available upon request); and
                                                              denied, a notice will be sent within a reasonable time peri-
• Notice regarding your right to bring a court action         od, but not longer than 90 days from receipt of the claim.
  following a denial on appeal.                               If Prudential determines that an extension is necessary
If Your Aflac Claim is                                         due to matters beyond control of the plan, this time may




                                                                                                                              Claims and Appeals
Fully or Partially Denied                                     be extended for an additional 90-day period.You will
                                                              receive notice prior to the extension that indicates the cir-
You may appeal any denial of a claim for benefits by fil-
                                                              cumstances requiring the extension and the date by
ing a written request with Aflac. In connection with an
                                                              which the plan expects to render a determination.
appeal, you may request, free of charge, all documents
that are relevant (as defined by ERISA) to your claim.You      If your claim is in part or wholly denied, you will receive
may also submit with your appeal any comments, docu-          notice of an adverse benefit determination that will:
ments, records, and issues that you believe support your
claim, even if you have not previously submitted such         • State the specific reason(s) for the adverse benefit
documentation.You may have representation through-              determination;
out the review procedure.                                     • Reference the specific plan provisions on which the
                                                                determination is based;
An appeal must be filed with Aflac in accordance with
the claim filing procedures described in your denial let-      • Describe additional material or information, if any,
ter within 180 days of receipt of the written notice of         needed to perfect the claim and the reasons such
denial of a claim. Aflac will render a decision no later         material or information is necessary; and
than 60 days after receipt of your written appeal.The         • Describe the plan’s claims review procedures and the
decision after your review will be in writing and will          time limits applicable to such procedures, including a
include specific reasons for the decision as well as specif-     statement of your right to bring a civil action under
ic references to the pertinent Plan provisions on which         section 502(a) of ERISA following an adverse benefit
the decision is based. If your claim is denied, you have        determination on review.
the right to bring action in federal court in accordance
                                                              If Your Prudential Claim
with ERISA 502(a).You cannot take any legal action until
                                                              is Fully or Partially Denied
you have exhausted the Plan’s claims review procedures
                                                              If your claim for benefits is denied and you would like
described above.
                                                              to appeal, you must send a written appeal to Prudential
See Your Right to Bring Legal Action earlier in this          at the address above within 180 days of the denial.
chapter regarding the deadline to bring a legal action.       Your appeal should include any comments, documents,
                                                              records, or any other information you would
                                                              like considered.




                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                 33
                You will have the right to request copies, free of charge,   Voluntary Second Appeal
                of all documents, records, or other information relevant     If your appeal is denied or if you do not receive a
                to your claim.Your appeal will be reviewed without           response to your appeal within the appropriate time
                regard to your initial determination by someone other        frame (in which case the appeal is deemed to have been
                than the party who decided your initial claim.               denied), you or your representative may make a volun-
                                                                             tary second appeal of your denial in writing to
                Prudential will make a determination on your appeal
                                                                             Prudential.You must submit your second appeal within
                within 45 days of the receipt of your appeal request.This
                                                                             180 days of the receipt of the written notice of denial or
                period may be extended by up to an additional 45 days
                                                                             180 days from the date such claim is deemed denied.
                if Prudential determines that special circumstances
                                                                             You may submit any written comments, documents,
                require an extension of time.You will be notified prior to
                                                                             records, and any other information relating to your claim.
                the end of the 45-day period if an extension is required.
                                                                             The same criteria and response times that applied to
                If you are asked to provide additional information, you
                                                                             your first appeal are generally applied to this voluntary
                will have 45 days from the date you are notified to pro-
                                                                             second appeal.
                vide the information, and the time to make a determina-
                tion will be suspended until you provide the requested       See Your Right to Bring Legal Action earlier in this
                information (or the deadline to provide the information,     chapter regarding the deadline to bring a legal action.
                if earlier).
                                                                             Life Insurance Gift Assignments
                If your appeal is denied in whole or in part, you will
                                                                             Gift assignments of your life insurance coverage are
                receive a written notification from Prudential of the
                                                                             irrevocable (for example, to a charitable trust). This type
                denial that will include:
                                                                             of assignment has tax consequences, so you should con-
                • The specific reason(s) for the adverse determination;       sult your attorney or tax professional before making
                • References to the specific plan provisions on which         such an assignment.You must notify Prudential of any
                  the determination was based;                               gift assignment. If you make an assignment, your benefi-
                                                                             ciary designations will no longer apply, and you will no
                • A statement describing your right to request copies,
                                                                             longer have any rights with respect to your life insurance
                  free of charge, of all documents, records, or other
                                                                             coverage, even to change or revoke the assignment.
                  information relevant to your claim;
                                                                             Instead, all rights, benefits, or privileges related to your
                • A description of Prudential’s review procedures and        life insurance coverage will transfer to whomever you
                  applicable time limits;                                    have assigned your insurance.
                • A statement that you have the right to obtain, upon
                  request and free of charge, a copy of internal rules       No other life insurance assignments are permitted.
                  or guidelines relied upon in making this determina-
                  tion; and                                                  The Travel Assistance Claim Process
                • A statement describing any appeals procedures              You don not have to file a claim for AXA Travel Assistance
                  offered by the plan and your right to bring a civil suit   or Medex Travel Assistance benefits. However, if you have
                  under ERISA.                                               a question about your benefits or disagree with the ben-
                                                                             efits provided, you should contact AXA or Medex (as
                If a decision on appeal is not furnished to you within
                                                                             applicable) at the numbers listed in the Business Travel
                the time frames mentioned above, the claim shall be
                                                                             Accident Insurance & Travel Assistance chapter. Any
                deemed denied on appeal.
                                                                             claims or appeals will be determined under the same
                                                                             timeframes that apply to Business Travel Accident.




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                                              2008 Wal-Mart Associate Benefits Book




The Claim Process for All Types                               Any adverse benefit determination will be in writing
of Disability Coverage Claims                                 and include:

This section describes the claim process for the Short-       • Specific reasons for the decision;
Term Disability Plan, the Short-Term Disability Plus
                                                              • Specific references to the policy provisions on which
Program, the Long-Term Disability Plan, and the Truck
                                                                the decision is based;
Driver Long-Term Disability Plan.
                                                              • A description of any additional material or informa-
Short-term disability claims should be submitted to:            tion necessary for you to perfect the claim and an
                                                                explanation of why such material or information is
The Hartford
Attn: Appeal Unit                                               necessary;
P.O. Box 1810                                                 • A description of the review procedures and time lim-
Alpharetta, GA 30023-1811                                       its applicable to such procedures;

Short-Term Disability Plus claims should be                   • A statement that you have the right to bring a civil
submitted to:                                                   action under section 502(a) of ERISA after you appeal
                                                                our decision and after you receive a written denial
The Hartford
                                                                on appeal;
P.O. Box 1810




                                                                                                                             Claims and Appeals
Alpharetta, GA 30023-1810                                     • If an internal rule, guideline, protocol, or other similar
                                                                criterion was relied upon in making the denial; either
Long-Term Disability and Truck Driver Long-Term
                                                                —The specific rule, guideline, protocol or other similar
Disability claims should be sent to:
                                                                 criterion; or
Disability Claim Appeal Unit
                                                                —A statement that such a rule, guideline, protocol or
Benefit Management Services—Floor B2-E
The Hartford                                                     other similar criterion was relied upon in making
P.O. Box 2999                                                    the denial and that a copy will be provided free of
Hartford, CT 06104-2999                                          charge to you upon request.

Once a claim has been filed, The Hartford will make a          • If denial is based on medical judgment, either
decision no more than 45 days after receipt of your             —An explanation of the scientific or clinical judgment
properly filed claim.The time for decision may be                 for the determination, applying the terms of the
extended for up to two additional 30-day periods pro-            policy to your medical circumstances, or
vided that, prior to any extension period, The Hartford         —A statement that such explanation will be provided
notifies you in writing that an extension is necessary due        to you free of charge upon request.
to matters beyond their control, identifies those matters,
and gives the date by which it expects to render its deci-
sion. If your claim is extended due to your failure to sub-
mit information necessary to decide your claim, the time
for decision may be tolled from the date on which the
notification of the extension is sent to you until the date
The Hartford receives your response. If The Hartford
approves your claim, the decision will contain informa-
tion sufficient to reasonably inform you of that decision.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                 35
                If Your Hartford Claim                                       If your appeal is denied in whole or in part, you will
                is Fully or Partially Denied                                 receive a written notification from The Hartford of the
                If your claim for benefits is denied and you would like to    denial that will include:
                appeal, you must send a written appeal to The Hartford
                                                                             • The specific reason(s) for the adverse determination;
                at the address shown earlier in this chapter within 180
                                                                             • References to the specific plan provisions on which
                days of the denial.Your appeal should include any
                                                                               the determination was based;
                comments, documents, records, or any other information
                you would like considered.                                   • A statement describing your right to request copies,
                                                                               free of charge, of all documents, records, or other
                You will have the right to request copies, free of charge,     information relevant to your claim;
                of all documents, records, or other information relevant
                                                                             • A description of Prudential’s review procedures and
                to your claim.Your appeal will be reviewed without
                                                                               applicable time limits;
                regard to your initial determination by someone other
                                                                             • A statement that you have the right to obtain,
                than the party who decided your initial claim.
                                                                               upon request and free of charge, a copy of internal
                The Hartford will make a determination on your appeal          rules or guidelines relied upon in making this
                within 45 days of the receipt of your appeal request.This      determination; and
                period may be extended by up to an additional 45 days        • A statement describing any appeals procedures
                if The Hartford determines that special circumstances          offered by the plan and your right to bring a civil suit
                require an extension of time.You will be notified prior to      under ERISA.
                the end of the 45-day period if an extension is required.
                                                                             If a decision on appeal is not furnished to you within the
                If you are asked to provide additional information, you
                                                                             time frames mentioned above, the claim shall be
                will have 45 days from the date you are notified to pro-
                                                                             deemed denied on appeal.
                vide the information and the time to make a determina-
                tion will be suspended until you provide the requested       See Your Right to Bring Legal Action earlier in this
                information (or the deadline to provide the information,     chapter regarding the deadline to bring a legal action.
                if earlier).




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                                               2008 Wal-Mart Associate Benefits Book




The Accidental Death and                                      If Your MetLife Claim is
Dismemberment Claim Process                                   Fully or Partially Denied
You should submit Accidental Death and                        Send a written appeal to MetLife at the MetLife address
Dismemberment claims to:                                      above within 60 days after receipt of the denial. Your
                                                              appeal letter should be signed, dated, and clearly state
MetLife
                                                              your position. Please include any comments, docu-
P.O. Box 3016
Utica, NY 13504-3016                                          ments, records, or any other information you would
                                                              like considered.
When you submit a claim to MetLife and your claim is
denied, a notice will be sent within a reasonable time        Upon your written request, MetLife will provide you with
period, but not longer than 90 days from receipt of the       a copy of the records and/or reports that are relevant to
claim. If MetLife determines that an extension is neces-      your claim.
sary due to matters beyond control of the plan, this time     MetLife will carefully evaluate all the information and
may be extended for an additional 90-day period.You           advise you of its decision within 60 days after the receipt
will receive notice prior to the extension that indicates     of your appeal. If there are special circumstances requir-
the circumstances requiring the extension and the date        ing additional time to complete the review, we may take
by which the plan expects to render a determination.




                                                                                                                            Claims and Appeals
                                                              up to an additional 60 days, but only after notifying you
If your claim is in part or wholly denied, you will receive   of the special circumstances in writing. In the event your
notice of an adverse benefit determination that will:          appeal is denied in whole or in part, you have the right
                                                              to bring a civil action under Section 502(a) of ERISA.
• State the specific reason(s) for the adverse benefit
  determination;                                              See Your Right to Bring Legal Action earlier in this
                                                              chapter regarding the deadline to bring a legal action.
• Reference the specific plan provisions on which the
  determination is based;
• Describe additional material or information, if any,
  needed to perfect the claim and the reasons such
  material or information is necessary; and
• Describe the plan’s claims review procedures and the
  time limits applicable to such procedures, including a
  statement of your right to bring a civil action under
  section 502(a) of ERISA following an adverse benefit
  determination on review.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                37
Legal Information

 Where Can I Find?
 Associates’ Health and Welfare Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40
 Plan Amendment or Termination. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
 Your Rights under ERISA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
 Notice of Privacy Practices—HIPAA Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
 Medicare and Your Prescription Drug Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
                                              2008 Wal-Mart Associate Benefits Book




Legal Information
This chapter describes your legal rights as a participant in the Associates’ Health and Welfare
Plan, including information about the confidentiality of your personal medical information
under the HIPAA Notice of Privacy Practices. You’ll also find information on the prescription
drug coverage available through Medicare, Medicare Part D, and the decisions you need to
make about your prescription drug coverage if you’re eligible for Medicare.

Legal Information Resources
Find What You Need                   Online                                   Other Resources

Contact the Plan                                                              Write to:
Administrator of the AHWP
                                                                              The Administrative Committee
                                                                              Associates’ Health
                                                                              and Welfare Plan
                                                                              922 West Walnut, Ste. A
                                                                              Rogers, AR 72756-3540




                                                                                                                      Legal Information
                                                                              Call (479) 621-2058

Answers to questions about           Send an email to Privacy@wal-mart.com    Call (800) 421-1362 or (479) 621-2929
the HIPAA privacy notice


Answers to questions                 Visit www.medicare.gov                   (800) MEDICARE [633-4227].
about Medicare Part D                for personalized help                    TTY users should call (877) 486-2048




What You Need to Know About the
Legal Information for the Associates’ Health and Welfare Plan
• As a participant in the Associates’ Health and Welfare Plan, you are entitled to certain rights and protections
  under the Employee Retirement Income Security Act of 1974.
• The HIPAA Privacy notice in this chapter describes how medical information about you may be used and dis-
  closed and how you can get access to this information.
• The Medicare Part D notice in this chapter explains the options you have under Medicare prescription drug cov-
  erage, and can help you decide whether or not you want to enroll.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362          39
                Associates’ Health and Welfare Plan                         Plan Administrator/Named Fiduciary:

                The Plan is an employer-sponsored health and                The Administrative Committee
                welfare employee benefit plan governed under the            Associates’ Health and Welfare Plan
                Employee Retirement Income Security Act of 1974             922 West Walnut, Ste. A
                (ERISA), as amended.                                        Rogers, AR 72756-3540
                                                                            (479) 621-2058
                The terms and conditions of the Associates’ Health and
                Welfare Plan are set forth in this book, the Associates’    Agent for Service of Legal Process:
                Health and Welfare Plan Wrap Document (Wrap
                                                                            Corporation Trust Company
                Document), and the insurance policies and other welfare
                                                                            1209 Orange Street
                program documents incorporated into the Wrap                Corporation Trust Center
                Document.The Wrap Document, together with this book         Wilmington, DE 19801
                and the other incorporated documents, constitutes the
                written instrument under which the Associates’ Health       Legal process may also be served on the Plan
                and Welfare plan is established and maintained.This         Administrator or Trustee.
                book also serves as a Summary Plan Description for the
                                                                            Plan Sponsor’s EIN: 71-0415188
                Associates’ Health and Welfare Plan.

                Plan Year: January 1 through December 31                    Funding for the Plans
                                                                            Contributions to the Plan may be made by Wal-Mart
                Plan Number: 501
                                                                            Stores, Inc. out of its general assets or through the Wal-
                Type of Plan: Welfare, including Medical, Dental, Short-    Mart Stores, Inc. Associates’ Health and Welfare Trust.
                Term Disability, Short-Term Disability Plus, Long-Term      Contributions also may be required by employees, in an
                Disability, Truck Driver Long-Term Disability, Business     amount determined by Wal-Mart Stores, Inc. in its discre-
                Travel Accident, Accidental Death and Dismemberment         tion. All assets of the Plan, including associate contribu-
                (AD&D), Company-Paid Life, Optional Life, Dependent         tions and any dividends or earnings of the Plan, shall be
                Life, Accident Insurance Policy, Cancer Insurance Policy,   available to pay any benefits provided under the Plan or
                and Resources for Living.                                   expenses of the Plan, including insurance premiums.

                Type of Administration: The Committees (or their dele-      Plan Trustees:
                gates) shall have complete discretion to interpret and      JP Morgan
                construe the provisions of the Plan, make findings of        3 Chase Metrotech Center, Floor 5
                fact, correct errors, and supply omissions. All decisions   Brooklyn, NY 11245
                and interpretations of any of the Committees (or their
                delegates) made pursuant to the Plan shall be final,
                conclusive and binding on all persons and may not
                be overturned unless found by a court to be arbitrary
                and capricious. Benefits will be paid only if the Appeals
                Committee, or its delegee, determines in its discretion
                that the claimant is entitled to them.

                Plan Sponsor:

                Wal-Mart Stores, Inc.
                702 SW 8th Street
                Bentonville, AR 72716




40   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Plan Amendment or Termination                               Continue Group Health Plan Coverage
Wal-Mart reserves the right to amend or terminate at        You have the right to continue health care coverage for
any time and to any extent the Associates’ Health and       yourself, your spouse, or your dependents if there is a
Welfare Plan and any of the benefits (whether self-          loss of coverage under the Plan as a result of a qualifying
insured or insured) described in this book.                 event.You or your dependents may have to pay for such
                                                            coverage. Review this Summary Plan Description and the
Neither the AHWP nor the benefits described in this          documents governing the Plan on the rules governing
book can be orally amended. All oral statements and         your COBRA continuation coverage rights. (See the
representations shall be without force or effect even if    COBRA chapter for more information.)
such statements and representations are made by the
Plan Administrator, by a management associate of the        You are entitled to reduction or elimination of exclusion-
Company, or by any member of the applicable commit-         ary periods of coverage for pre-existing conditions under
tees of the Plan. Only written statements by the applica-   your group health plan if you have creditable coverage
ble committee of the Plan shall bind the Plan.              from another plan.You should be provided a certificate
                                                            of creditable coverage, free of charge, from your group
Your Rights under ERISA                                     health plan or health insurance issuer when you lose
As a participant in the Associates’ Health and Welfare      coverage under the Plan, when you become entitled to




                                                                                                                          Legal Information
Plan, you are entitled to certain rights and protections    elect COBRA continuation coverage, or when your
under the Employee Retirement Income Security Act of        COBRA continuation coverage ceases, if you request it
1974, as amended (ERISA). ERISA provides that all Plan      before losing coverage, or if you request it up to 24
participants shall be entitled to:                          months after losing coverage. Without evidence of cred-
                                                            itable coverage, you may be subject to a pre-existing
Receive Information                                         condition exclusion for 12 months (18 months for late
About Your Plan and Benefits                                 enrollees) after your enrollment date in your coverage.

You have the right to:
                                                            Prudent Actions by Plan Fiduciaries
• Examine, without charge, at the Plan Administrator’s      In addition to creating rights for Plan participants, ERISA
  office and at other specified facilities, such as work-     imposes duties upon the people who are responsible for
  sites and union halls, all documents governing the        the operation of the employee benefit plan.The people
  Plan, including insurance contracts and collective        who operate your Plan, called “fiduciaries” of the Plan,
  bargaining agreements, and a copy of the latest           have a duty to do so prudently and in the interest of you
  annual report (Form 5500 Series) filed by the Plan         and other Plan participants and beneficiaries. No one,
  with the U.S. Department of Labor and available at        including your employer, your union, or any other per-
  the Public Disclosure Room of the Employee Benefits        son, can fire you or otherwise discriminate against you in
  Security Administration.                                  any way to prevent you from obtaining benefits or exer-
• Obtain, upon written request to the Plan                  cising your rights under ERISA.
  Administrator, copies of documents governing the
                                                            If your claim for a benefit is denied or ignored, in whole
  operation of the Plan, including insurance contracts
                                                            or in part, you have the right to know why this was done,
  and collective bargaining agreements, and copies
                                                            to obtain copies of documents relating to the decision
  of the latest annual report (Form 5500 Series) and
                                                            without charge, and to appeal any denial, all within cer-
  updated Summary Plan Description. The
                                                            tain time schedules.
  Administrator may make a reasonable charge for
  the copies.                                               Under ERISA, there are steps you can take to enforce the
• Receive a summary of the Plan’s annual financial          above rights. For instance:
  report. The Plan Administrator is required by law
  to furnish each participant with a copy of this
  annual report.


                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362             41
                • If you request materials from the Plan and do not           Assistance with Your Questions
                  receive them within 30 days, you can file suit in a fed-     If you have any questions about your Plan, you should
                  eral court. In such a case, the court may require the       contact the Plan Administrator. If you have any questions
                  Plan Administrator to provide the materials and pay         about this statement or about your rights under ERISA,
                  you up to $110 a day until you receive the materials,       or if you need assistance in obtaining documents from
                  unless the materials were not sent because of rea-          the Plan Administrator, you should contact the nearest
                  sons beyond the control of the Administrator.               office of the Employee Benefits Security Administration,
                • If you have a claim for benefits which is denied or          U.S. Department of Labor, listed in your telephone direc-
                  ignored, in whole or in part, you can file suit in a state   tory, or the:
                  or federal court. Generally, you must complete the
                                                                              Division of Technical Assistance and Inquiries
                  appeals process before filing a lawsuit against the
                                                                              Employee Benefits Security Administration
                  Plan. However, you should consult with your own             U.S. Department of Labor
                  legal counsel in determining when it is proper to file       200 Constitution Avenue NW
                  a lawsuit against the Plan.                                 Washington, D.C. 20210
                • If you disagree with the Plan’s decision or lack thereof
                                                                              You can also obtain certain publications about
                  concerning the qualified status of a domestic rela-
                                                                              your rights under ERISA by calling the Employee
                  tions order or a medical child support order, you can
                                                                              Benefits Security Administration publications hotline
                  file suit in a federal court.
                                                                              at (866) 444-3272 or by logging on to the Internet
                • If it should happen that Plan fiduciaries misuse the         at www.dol.gov/ebsa.
                  Plan’s money, or if you are discriminated against for
                  asserting your rights, you can seek assistance from         Notice of Privacy Practices—
                  the U.S. Department of Labor, or you can file suit in        HIPAA Information
                  a federal court.
                                                                              Associates’ Medical Plan, Dental Plan,
                The court will decide who should pay court costs and
                                                                              and Resources for Living (RFL) Notice
                legal fees. If you are successful, the court may order the    of Privacy Practices
                person you have sued to pay these costs and fees. If you
                                                                              Effective date of this Notice: April 14, 2003
                lose, the court may order you to pay these costs and
                fees; for example, if it finds your claim is frivolous.        THIS NOTICE DESCRIBES HOW MEDICAL INFORMA-
                                                                              TION ABOUT YOU MAY BE USED AND DISCLOSED
                                                                              AND HOW YOU CAN GET ACCESS TO THIS INFORMA-
                                                                              TION. PLEASE REVIEW THIS NOTICE CAREFULLY.

                                                                              YOU SHOULD ALSO SHARE A COPY OF THIS NOTICE
                                                                              WITH YOUR FAMILY MEMBERS WHO ARE COVERED
                                                                              UNDER THE ASSOCIATES’ MEDICAL PLAN, DENTAL
                                                                              PLAN, AND RFL.




42   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Wal-Mart’s Commitment to Your Privacy                        How the Associates’
This Notice applies to the self-insured medical and          Medical Plan, Dental Plan,
dental plans and to RFL coverage (Plans) maintained by
                                                             and RFL May Use and Disclose Your PHI
Wal-Mart Stores, Inc. (Wal-Mart). References to “we” and     The law permits us to use and disclose your PHI for
“us” throughout this Notice mean the Plans. Wal-Mart         certain purposes without your permission or authoriza-
also provides benefits through a health maintenance           tion.The following gives examples of each of
organization (HMO).The HMO in that case possesses            these circumstances.
your health information and maintains its own notice
                                                             1. For Treatment. We may use or disclose your PHI
of privacy practices.
                                                                for purposes of treatment. For example, we may
The Plans are dedicated to maintaining the privacy of           disclose your PHI to physicians, nurses, and other
your health information. In operating the Plans, we cre-        professionals who are involved in your care.
ate records regarding you and the benefits we provide         2. For Payment. We may use or disclose your PHI to
to you.This Notice will tell you about the ways in which        provide payment for the treatment you receive
we may use and disclose medical information about you.          under the Plans. For example, we may contact your
We will also describe your rights and certain obligations       health care provider to certify that you have received
we have regarding the use and disclosure of medical             treatment (and for what range of benefits), and we




                                                                                                                         Legal Information
information. We are required by law to:                         may request details regarding your treatment to
                                                                determine if your benefits will cover, or pay for, your
• Maintain the privacy of your health information, also
                                                                treatment. We also may use and disclose your PHI to
  known as Protected Health Information (PHI);
                                                                obtain payment from third parties that may be
• Provide you with this Notice; and                             responsible for such costs, such as family members
• Comply with this Notice.                                      or other insurance companies.
The Plans reserve the right to change our privacy prac-      3. For Health Care Operations. We may use or disclose
tices and to make any such change applicable to the             your PHI for our health care operations. For example,
PHI we obtained about you before the change. If there           our claims administrators in some states or the Plans
is a material revision to this Notice, the new Notice will      may use your PHI to conduct cost-management and
be distributed to you. You may obtain a paper copy of           planning activities.
the current Notice by contacting the Plans using the         4. To the Plan Sponsor. The Plans may use or disclose
contact information listed at the end of this Notice.           your PHI to Wal-Mart, the Plan Sponsor. The Plan
The current Notice is also available on the benefits             Sponsor will only use your PHI as necessary to
website on the WIRE.                                            administer the Plan. The law only permits the Plans
                                                                to disclose your PHI to Wal-Mart, in its role as the
                                                                Plan Sponsor, if Wal-Mart certifies, among other
                                                                things, that it will only use or disclose your PHI as
                                                                permitted by the Plan, will restrict access to your
                                                                PHI to those Wal-Mart employees whose job it is
                                                                to administer the Plan, and will not use PHI for any
                                                                employment-related actions.
                                                             5. For Health-Related Programs and Services. The
                                                                Plans may contact you about information regarding
                                                                treatment alternatives or other health-related bene-
                                                                fits and services that may be of interest to you.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              43
                6. To Individuals Involved in Your Care or Payment for           —Regarding criminal conduct at our offices;
                   Your Care. The Plans may disclose your PHI to a fami-         —In response to a warrant, summons, court order,
                   ly member or friend who is involved in your medical            subpoena, or similar legal process;
                   care or payment for your care, provided that you
                   agree to this disclosure, or we give you an opportuni-        —To identify/locate a suspect, material witness,
                   ty to object to this disclosure. However, if you are not       fugitive, or missing person; and
                   available or are unable to agree or object, we                —In an emergency, to report a crime (including the
                   will use our best judgment to decide whether this              location or victim(s) of the crime or the description,
                   disclosure is in your best interest.                           identity or location of the person who committed
                                                                                  the crime).
                Other Uses or Disclosures of
                Your PHI Without an Authorization                              6. To Avert a Serious Threat to Health or Safety. The
                                                                                  Plans may use or disclose your PHI when necessary
                The law allows us to disclose your PHI in the following
                                                                                  to reduce or prevent a serious threat to your health
                circumstances without your permission or authorization:
                                                                                  and safety or the health and safety of another indi-
                1. When Required by Law. The Plans will use and dis-              vidual or the public. Under these circumstances, we
                   close your PHI when we are required to do so by fed-           will only make disclosures to a person or organiza-
                   eral, state, or local law.                                     tion able to help prevent the threat.
                2. For Public Health Risks. The Plans may disclose your        7. For Military Functions. The Plans may disclose your
                   PHI for public health activities, such as those aimed          PHI if you are a member of the U.S. or foreign military
                   at preventing or controlling disease, preventing               forces (including veterans), and if required by the
                   injury, reporting reactions to medications or prob-            appropriate military command authorities.
                   lems with products, and reporting the abuse or neg-         8. For National Security. The Plans may disclose your
                   lect of children, elders, and dependent adults.                PHI to federal officials for intelligence and national
                3. For Health Oversight Activities. The Plans may dis-            security activities authorized by law. We also may dis-
                   close your PHI to a health oversight agency for activi-        close your PHI to federal officials in order to protect
                   ties authorized by law. These oversight activities,            the President, other officials or foreign heads of state,
                   which are necessary for the government to monitor              or to conduct investigations.
                   the health care system, include investigations,             9. Inmates. The Plans may disclose your health infor-
                   inspections, audits, and licensure.                            mation to correctional institutions or law enforce-
                4. For Lawsuits and Disputes. The Plans may use or                ment officials if you are an inmate or under the cus-
                   disclose your PHI in response to a court or adminis-           tody of a law enforcement official. Disclosure for
                   trative order if you are involved in a lawsuit or similar      these purposes would be necessary: (a) for the insti-
                   proceeding. We also may disclose your PHI in                   tution to provide health care services to you, (b) for
                   response to a discovery request, subpoena, or other            the safety and security of the institution, and/or (c) to
                   lawful process by another party involved in the dis-           protect your health and safety or the health and
                   pute, but only if we have made an effort to inform             safety of other individuals.
                   you of the request or obtain an order protecting the        10.To Workers’ Compensation Programs. The Plans
                   information the party has requested.                          may release your health information for Workers’
                5. To Law Enforcement. The Plans may release your PHI            Compensation and similar programs.
                   if asked to do so by a law enforcement official in the       11. For Services Related to Death. Upon your death, to
                   following circumstances:                                      a coroner, funeral director, or to tissue or organ dona-
                  —Regarding a crime victim in certain situations, if            tion services, as necessary to permit them to perform
                   we are unable to obtain the person’s agreement;               their functions.
                  —Concerning a death we believe might have resulted           12. Research. For government-approved
                   from criminal conduct;                                        research purposes.



44   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Uses and Disclosures                                         2. Right to Request Restrictions. You have the right to
Requiring Your Authorization                                    request a restriction in our use or disclosure of your
Other uses and disclosures of your PHI that are not cov-        PHI for treatment, payment, or health care opera-
ered by this Notice or the laws that apply to us will be        tions. Additionally, you have the right to request that
made only with written authorization. If you give us writ-      we limit our disclosure of your PHI to individuals
ten authorization for a use or disclosure of your PHI, you      involved in your care or the payment for your care,
may revoke that authorization at any time in writing. If        such as family members and friends. We are not
you revoke your authorization, we will no longer use            required to agree to your request; however, if we do
or disclose your PHI for the reasons described in the           agree, we are bound by our agreement except when
authorization, except for the two situations noted below:       otherwise required by law, in emergencies, or when
                                                                the information is necessary to treat you. In order to
• We have taken action in reliance on your authoriza-           request a restriction in our use or disclosure of your
  tion before we received your written revocation; and          PHI, you must make your request in writing to the
• You were required to give us your authorization as a          address at the bottom of this section. Your request
  condition of obtaining coverage.                              must describe in a clear and concise fashion: (a) the
                                                                information you wish restricted; (b) whether you are
Stricter State Privacy Laws                                     requesting to limit the Associates’ Medical Plan,




                                                                                                                            Legal Information
Under the HIPAA Privacy Regulations, the Plan is                Dental Plan’s, or RFL’s use, disclosure, or both; and (c)
required to comply with state laws, if any, that also are       to whom you want the limits to apply.
applicable and are not contrary to HIPAA (for example,       3. Right to Inspect and Copy. Except for limited cir-
where state laws may be stricter). The Plan maintains a         cumstances, you have the right to inspect and copy
policy to ensure compliance with these laws. Additional         the PHI that may be used to make decisions about
information regarding state privacy laws may be                 you. Usually, this includes medical and billing records.
located on the WIRE.                                            To inspect or copy your PHI, you must
                                                                submit your request in writing to the address listed
Your Rights Related to Your PHI                                 at the end of this section. The Plans may charge a fee
You have the following rights regarding your PHI that           for the costs of copying, mailing, labor, and supplies
we maintain:                                                    associated with your request. We may deny your
                                                                request to inspect and/or copy in certain limited cir-
1. Right to Request Confidential Communications.
                                                                cumstances, in which case you may request that the
   You have the right to request that the Plans commu-
                                                                denial be reviewed.
   nicate with you about your health and related issues
   in a particular manner or at a certain location if you
   feel like your life may be endangered if communica-
   tions are sent to your home. For example, you may
   ask that we contact you at home rather than work. In
   order to request a type of confidential communica-
   tion, you must make a written request to the address
   at the bottom of this section specifying the requested
   method of contact or the location where you wish to
   be contacted. For us to consider granting your
   request for a confidential communication, your writ-
   ten request must clearly state that your life could be
   endangered by the disclosure of all or part of
   this information.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                 45
                4. Right to Request Amendment. You have the right to          If you have questions about this notice or would like to
                   request that we amend your PHI if you believe it is        exercise one or more of the rights listed in this notice,
                   incorrect or incomplete. To request an amendment,          please contact:
                   you must submit a written request to the address
                                                                              Wal-Mart Benefits Department
                   listed at the end of this section. You must provide a
                                                                              Attn: HIPAA Compliance Team
                   reason that supports your request for amendment.
                                                                              922 West Walnut, Ste. A
                   We may deny your request if you ask us to amend
                                                                              Mail stop #3540
                   PHI that is: (a) accurate and complete; (b) not part of
                                                                              Rogers, AR 72756-3540
                   the PHI kept by or for the Plan; (c) not part of the PHI
                   which you would be permitted to inspect and copy;          Email Address: Privacy@wal-mart.com
                   or (d) not created by the Plan, unless the individual
                   or entity that created the PHI is not available to         Telephone: (800) 421-1362 or (479) 621-2929
                   amend it. Even if we deny your request for amend-
                   ment, you have the right to submit a statement of          Medicare and Your
                   disagreement regarding any item in your record you         Prescription Drug Coverage
                   believe is incomplete or incorrect. If you request, it     Please read this notice carefully and keep it where
                   will become part of your medical record and we will        you can find it.This notice has information about your
                   attach it to your records and include it whenever we       current prescription drug coverage with the AHWP
                   make a disclosure of the item or statement you             and prescription drug coverage available for people
                   believe to be incomplete or incorrect.                     with Medicare. It also tells you where to find more infor-
                5. Right to an Accounting of Disclosures. You have the        mation to help you make decisions about your
                   right to request an accounting of disclosures. An          prescription drug coverage.
                   accounting of disclosures is a list of certain disclo-
                                                                              • Starting January 1, 2006, new Medicare prescrip-
                   sures we have made of your PHI after April 14, 2003,
                                                                                tion drug coverage became available to everyone
                   for most purposes other than treatment, payment,
                                                                                with Medicare. You can get this coverage if you join
                   health care operations, and other exceptions pur-
                                                                                a Medicare Prescription Drug Plan or join
                   suant to law. To request an accounting of disclosures,
                                                                                a Medicare Advantage Plan (like and HMO or
                   you must submit a written request to the address at
                                                                                PPO) that offers prescription drug coverage.
                   the end of this section. You must specify the time
                                                                                All Medicare drug plans provide at least a standard
                   period, which may not be longer than six years and
                                                                                level of coverage set by Medicare. Some plans
                   may not include dates before April 14, 2003. We will
                                                                                may also offer more coverage for a higher
                   notify you of the cost involved and
                                                                                monthly premium.
                   you may choose to withdraw or modify your request
                                                                              • You have decisions to make about Medicare pre-
                   at that time.
                                                                                scription drug coverage, such as if and when you
                6. Paper Notice. You have a right to request a paper
                                                                                enroll. These decisions may affect how much you
                   copy of this notice, even if you have agreed to
                                                                                pay for Medicare prescription drug coverage. Read
                   receive this notice electronically.
                                                                                this notice carefully – it explains the options you
                If you believe your privacy rights have been violated, you      have under Medicare prescription drug coverage,
                may file a complaint with the Associates’ Medical Plan,          and can help you decide whether or not you want
                Dental Plan, or RFL, or with the Secretary of the U.S.          to enroll.
                Department of Health and Human Services.To file a
                complaint with us, you must submit it in writing to
                the address listed at the end of this Section. Neither
                Wal-Mart nor the Plans will retaliate against you for
                filing a complaint.




46   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




• Some of the Wal-Mart prescription drug plans (as            Creditable and Non-Creditable Coverage
  described later in the notice under the heading
                                                              What is the meaning of the term “creditable coverage”?
  “creditable coverage”) are, on average for all plan
                                                              Creditable coverage means that your current prescrip-
  participants, expected to pay out as much as the
                                                              tion drug coverage is, on average for all plan partici-
  standard Medicare prescription drug coverage
                                                              pants, expected to pay out as much as the standard
  will pay.
                                                              Medicare prescription drug coverage will pay.
• Other Wal-Mart Plan options (as described later in
  the notice under the heading “non-creditable cov-           Which Wal-Mart Plans are creditable coverage?
  erage”) are, on average for all Plan participants,          Wal-Mart has determined that the following prescription
  NOT expected to pay out as much as the standard             drug plans are considered creditable coverage according
  Medicare prescription drug coverage will pay. This          to Medicare guidelines:
  is important because for most people enrolled in
  these Plan options, enrolling in Medicare prescrip-         • Value Plan—all deductible amounts
  tion drug coverage means you will get more assis-           • Freedom Plan—$1,250 individual/$2,500
  tance with drug costs than if you had prescription            family deductible
  drug coverage exclusively through the AHWP.                 • HMO
You may have heard about Medicare’s prescription drug




                                                                                                                         Legal Information
                                                              If your coverage is creditable, you can keep your
coverage and wondered how it would affect you.The             existing coverage and not pay extra if you later
decision to enroll in the Medicare prescription coverage      decide to enroll in Medicare coverage.
is up to you, but as part of your decision, you should con-
sider whether or not your current prescription drug plan      If you are enrolled in a Value Plan, Freedom Plan—$1,250
is creditable or non-creditable according to Medicare         individual/$2,500 family deductible, or an HMO, you can
guidelines, and as described below. If your coverage is       choose to join a Medicare prescription drug plan later
creditable, you may want to wait to enroll in Medicare        without paying extra because you have existing pre-
prescription drug coverage because you can do so at a         scription drug coverage that, on average, is as good as
later time for the same cost. However, if your coverage is    Medicare’s coverage.
non-creditable, you may wish to enroll in Medicare pre-
                                                              If you are enrolled in the Associates’ Medical Plan and
scription drug coverage as soon as you are eligible
                                                              also in enroll in a Medicare prescription drug plan, the
because it will be more expensive to enroll later.
                                                              Associates’ Medical Plan will coordinate benefits with
Starting January 1, 2006, prescription drug coverage          Medicare, as permitted by applicable law.
became available to everyone with Medicare through
                                                              If you drop your coverage with Wal-Mart and enroll in a
Medicare prescription drug plans. All Medicare prescrip-
                                                              Medicare prescription drug plan, you will have the
tion drug coverage provides at least a standard level of
                                                              option of re-enrolling in the Wal-Mart plan during
coverage set by Medicare. Some plans also offer more
                                                              Annual Enrollment or with a valid Status Change Event.
coverage for a higher monthly premium.
                                                              You should compare your current coverage, including
                                                              which drugs are covered, with the coverage and cost of
                                                              the plans offering Medicare prescription drug coverage
                                                              in your area.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              47
                Which Wal-Mart Plans are                                    What Happens to my Medicare prescription
                considered non-creditable coverage?                         drug premium if I do not enroll in Medicare?
                Wal-Mart has determined that the following prescription
                                                                            If you have non-creditable coverage and you are eligible
                drug plan is considered non-creditable coverage accord-
                                                                            for Medicare prescription drug coverage but you wait to
                ing to Medicare guidelines: Freedom Plan—$3,000
                                                                            enroll, your monthly premium could be much higher
                individual/$6,000 family deductible.
                                                                            than it would have been if you had enrolled when you
                If your coverage is non-creditable, you might               were newly eligible. In addition, if you go 63 days or
                want to consider enrolling in Medicare prescription         longer without prescription drug coverage that is at
                drug coverage.                                              least as good as Medicare’s prescription drug coverage,
                                                                            your monthly premium will go up at least 1 percent per
                If you are enrolled in the Freedom Plan—$3,000 individ-
                                                                            month for every month after your Initial Enrollment
                ual/$6,000 family deductible, you may want to consider
                                                                            Period that you did not have the coverage.You will have
                enrolling in Medicare prescription drug coverage
                                                                            to pay this higher premium as long as you have
                because the coverage you have is, on average for all
                                                                            Medicare prescription drug coverage. For example, if you
                participants, NOT expected to pay out as much as the
                                                                            go 19 months without coverage, your premium will
                standard Medicare prescription drug coverage will pay.
                                                                            always be at least 19 percent higher than what most
                                                                            other people pay.
                When can I enroll for
                Medicare prescription drug coverage?                        Generally, after your Initial Enrollment Period, you can
                Individuals can enroll in Medicare prescription drug cov-   only join a Medicare prescription drug plan between
                erage when they first become eligible for Medicare and       November 15th and December 31st of any year. This
                each year from November 15th through December 31st.         may mean the number of months you have to wait
                                                                            for coverage will be longer, which could make your
                If you have non-creditable coverage but you don’t
                                                                            premium higher.
                enroll in Medicare prescription drug coverage when
                you are newly eligible, you may pay more for cover-
                age if you change your mind and join later. Even if
                you have creditable coverage under a Wal-Mart pre-
                scription drug option and drop or lose your coverage
                and don’t enroll in Medicare prescription drug
                coverage within 63 days, you may also pay more
                for coverage if you join later.




48   For more information, log on to walmartbenefits.com, 24/7 or
                                            2008 Wal-Mart Associate Benefits Book




Additional Information Available                            Remember: Keep this notice. If you enroll in one of the
More detailed information about Medicare plans that         Medicare prescription drug plans, you may need to give
offer prescription drug coverage is available through the   a copy of this notice when you join to show that you are
“Medicare & You” handbook from Medicare.You may also        not required to pay a higher premium amount.
be contacted directly by Medicare-approved prescrip-        You may receive this notice at other times in the future
tion drug plans.You’ll get a copy of the handbook in the    such as before the next period you can enroll in
mail.You can also get more information about Medicare       Medicare prescription drug coverage, and if your current
prescription drug plans from these sources:                 coverage changes.You also may request a copy.
• Visit www.medicare.gov for personalized help              Date: 11/15/2007
• Call your State Health Insurance Assistance Program       Name of Sender: AHWP
  (see your copy of the “Medicare & You” handbook for       Contact: Associates’ Health and Welfare Plan
  their telephone number)                                   Address: 922 West Walnut, Ste. A
• Call (800) MEDICARE [633-4227]. TTY users should                   Rogers, AR 72756-3540
  call (877) 486-2048                                       Phone: (479) 621-2929
For people with limited income and resources, extra
help paying for the Medicare prescription drug plan is




                                                                                                                       Legal Information
available. Information about this extra help is available
from the Social Security Administration (SSA). For more
information about this extra help, visit SSA online at
www.socialsecurity.gov, or call (800) 772-1213
[TTY (800) 325-0778].




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            49
The Medical Plan

 Where Can I Find?
 The Wal-Mart Medical Plan Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52
 Eligibility and Enrollment in the Associates’ Medical Plan . . . . . . . . . . . . . . . . . . . . . . . . . . 53
 Enrolling in the Associates’ Medical Plan for the First Time . . . . . . . . . . . . . . . . . . . . . . . . . 53
 Starbridge—Coverage During Your Eligibility Waiting Period . . . . . . . . . . . . . . . . . . . . . . 55
 HMO Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55
 The Associates’ Medical Plan—The Value Plan and Freedom Plan . . . . . . . . . . . . . . . . . . 55
 How the Associates’ Medical Plan Works. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56
 How the Value and Freedom Plans Pay Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56
 The Value Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61
 The Freedom Plan with Company Contributions to a Health Savings Account . . . . . . 61
 Helping You Manage Your Health . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62
 When Limited Benefits Apply to the Value Plan and the Freedom Plan . . . . . . . . . . . . . 63
 Coverage When You Travel to a Foreign Country . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
 Coverage for Transplants and Lung Volume Reduction (LVR) . . . . . . . . . . . . . . . . . . . . . . . 67
 What is Not Covered by the Associates’ Medical Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68
 Services Requiring Prior Authorization by the Aetna Limited Network . . . . . . . . . . . . . 72
 Filing a Medical Claims. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74
 If You Have Coverage Under More Than One Medical Plan . . . . . . . . . . . . . . . . . . . . . . . . . 75
 If You Go On a Leave of Absence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77
 When Coverage Ends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77
 If You Leave the Company and are Then Rehired. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77




                                                                                                  Revised
                                                                                                October 2007
                                                   2008 Wal-Mart Associate Benefits Book




The Medical Plan
Associates’ Medical Plan Resources
Find What You Need                     Online                              By Phone                     Other Resources

Contact Aetna                          For a list of locations offered,    Customer Service:            P.O. Box 14079
Limited Network                        go to the WIRE or                   (800) 250-7129               Lexington, KY 40512-4079
                                       walmartbenefits.com or               Hospital Precertification,
                                       see your personnel representative   providers :
                                                                           (888) 632-3862
                                                                           See “Services Requiring
                                                                           Prior Authorization by the
                                                                           Aetna Limited Network”
                                                                           for more information

Contact BlueCross BlueShield           For a list of locations offered,    Customer Service:            450 Riverchase Parkway East
of Alabama (Choice, Basic, and         go to the WIRE or                   (800) 760-6844               Birmingham, AL 35244
Limited Network)                       walmartbenefits.com or               Hospital Prenotification:
(AL, FL, GA, LA, MS, TN, WV, VA)       see your personnel representative   (800) 248-2342

Contact BlueAdvantage                  For a list of locations offered,    Customer Service:            P.O. Box 1460
Administrators of                      go to the WIRE or                   (866) 823-3790               Little Rock, AR 72203-1460




                                                                                                                                        The Medical Plan
Arkansas (Choice, Basic,               walmartbenefits.com or               Hospital Prenotification:
and Limited Network)                   see your personnel representative   (800) 451-7302
(AK, AR, AZ, CA, CO, ID, KS, MO,
MT, NV, OK, OR, UT, WA, WY)

Contact BlueCross BlueShield           For a list of locations offered,    Customer Service:            P.O. Box 805107
of Illinois (Choice, Basic, and        go to the WIRE or                   (800) 730-8434               Chicago, IL 60680-4112
Limited Network)                       walmartbenefits.com or               Hospital Prenotification:
(CT, DE, IA, IL, IN, KY, MA, MD, ME,   see your personnel representative   (800) 944-9581
MI, MN, NC, ND, NE, NH, NJ, NM,
NY, OH, PA, RI, SC, SD,TX,VT,WI)

Contact Humana                         For a list of locations offered,    Customer Service:            P.O. Box 14601
Limited Network                        go to the WIRE or                   (800) 432-4807               Lexington, KY 40512-4601
                                       walmartbenefits.com or               Hospital Prenotification:
                                       see your personnel representative   (800) 432-4807

Contact UnitedHealthcare               For a list of locations offered,    Customer Service:            P.O. Box 30555
Limited Network                        go to the WIRE or                   (866) 810-1491               Salt Lake City, UT 84130-0555
                                       walmartbenefits.com or               Hospital Prenotification:
                                       see your personnel representative   (866) 810-1491

Get a Network directory                Go to the WIRE or                   Call your Third-Party
                                       walmartbenefits.com or               Administrator's customer
                                       see your personnel representative   service telephone number

Get the cost for                       Newly eligible or Status Change     Call Wal-Mart Benefits
medical coverage                       Event, go to walmartbenefits.com at (800) 421-1362
                                       or the WIRE under the “Life” tab in
                                       Annual Enrollment

For help getting your                  Email Ask Betty from the WIRE or    Call Wal-Mart Benefits
Certificate of Creditable               walmartbenefits.com                  at (800) 421-1362
Coverage (COCC)
from Wal-Mart

Call the Ask Mayo Clinic                                                   (800) 418-0758
nurse line available 24/7

Request a paper copy of this                                               Call Wal-Mart Benefits
2008 Associates' Benefit Book                                               at (800) 421-1362



                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                          51
                The Medical Plan
                The wide variety of medical options within the Value Plan and the Freedom Plan gives you the
                flexibility to choose the coverage that meets your health care and budget needs. And,Wal-Mart
                helps you pay for medical care through the health care credit for Value Plan participants and
                Company contributions to the health savings account for Freedom Plan participants.Your health is
                your most valuable possession, and protecting it through a healthy diet, exercise, and good med-
                ical care should be one of your top priorities. By personalizing your Wal-Mart medical coverage to
                meet your specific needs, you take control of your and your family’s physical well-being.

                What You Need to Know About Medical Benefits
                • Wal-Mart offers medical coverage under the Associates’ Medical Plan—either the Value Plan or
                  the Freedom Plan—or an HMO, if available in your location. If you are an associate in Hawaii, your
                  eligibility for medical coverage and the medical plan options available to you are explained in the
                  Eligibility and Benefits for Associates in Hawaii chapter.
                • For Temporary associates and associates who are in their eligibility waiting period, limited medical coverage
                  is available through Starbridge.
                • You can build your own Value Plan medical coverage by choosing from among several Health Care Credit, Annual
                  Deductible, and Out-of-Pocket Maximum amounts and Network options.
                • The Freedom Plan offers a choice of Annual Deductible amounts and Network options, as well as Company
                  contributions to your health savings account.
                All of these options are group health benefits offered under the Associates Health and Welfare Plan (AHWP).




                The Wal-Mart                                                In addition to coverage under one of the medical
                Medical Plan Options                                        plans listed above, Wal-Mart offers the Cancer
                                                                            Insurance Policy—a supplemental protection plan to
                Wal-Mart offers the following medical coverage options:
                                                                            help cover costs associated with cancer—and the
                • Associates’ Medical Plan (AMP)                            Accident Insurance Policy—a supplemental plan to
                  —Value Plan                                               help cover costs associated with an accidental injury.
                                                                            You’ll find more information about these plans in the
                  —Freedom Plan
                                                                            Accident Insurance Policy and Cancer Insurance
                • HMO plans (fully insured plans offered in                 Policy chapters.
                  some facilities)
                                                                            The Associates’ Medical Plan is self-insured; this means
                • Starbridge—a limited medical plan that pays a maxi-
                                                                            that there is no insurance company to collect premiums
                  mum benefit of $1,000 per participant per year for
                                                                            or pay bills. Instead, participating associates make contri-
                  Temporary associates and associates who are in their
                                                                            butions to cover a portion of the cost of the AMP benefit
                  eligibility waiting period for Associates’ Medical Plan
                                                                            and the Company or the Plan’s Trust pays the rest. Claims
                  or HMO coverage
                                                                            are processed by Third Party Administrators. Please see
                If you are an associate in Hawaii, your eligibility for     your Benefits ID Card or see Medical Plan Resources at
                medical coverage and the medical plan options available     the beginning of this chapter for the Third Party
                to you are explained in the Eligibility and Benefits for     Administrator office serving you.
                Associates in Hawaii chapter.




52   For more information, log on to walmartbenefits.com, 24/7 or
                                                2008 Wal-Mart Associate Benefits Book




Eligibility and Enrollment                                      Enrolling in the Associates’
in the Associates’ Medical Plan                                 Medical Plan for the First Time
You are eligible to enroll in the Associates’ Medical Plan if   If you are enrolling in the Associates’ Medical Plan (the
you are a:                                                      Value Plan or the Freedom Plan) for the first time you
                                                                may be subject to a limitation on coverage of pre-
• Full-Time hourly associate (including Full-Time hourly
                                                                existing conditions. A pre-existing condition is a phys-
  pharmacists, Full-Time hourly Field Logistics
                                                                ical or mental condition for which an individual
  Associates, and Full-Time hourly Field Supervisor
                                                                received medical care, advice, diagnosis, or treatment,
  Positions in stores and clubs)
                                                                including prescription drugs, during the six-month
• Peak-Time hourly associate                                    period before his or her “determination date.” An indi-
• Full-Time Truck Driver                                        vidual’s determination date is:
• Part-Time Truck Driver and Wal-Mart is your                   • Usually the date the associate was employed by the
  primary employer                                                Company as an eligible associate, if the individual was
• Management associate or trainee                                 enrolled for coverage when it was first available dur-
For complete information about eligibility and when you           ing his or her Initial Enrollment Period ; or
can enroll in the Associates’ Medical Plan, see the             • The date the individual’s coverage under the
Eligibility and Enrollment chapter. If you are an associ-




                                                                                                                                The Medical Plan
                                                                  Associates’ Medical Plan became effective, if the indi-
ate in Hawaii, your eligibility for medical coverage and          vidual enrolled for coverage at any other time as a
when you can enroll in the medical plan options available         late enrollee.
in Hawaii are explained in the Eligibility and Benefits          If an individual has a pre-existing condition, the
for Associates in Hawaii chapter.                               Associates’ Medical Plan will not cover that condition until:
When you enroll in the Associates’ Medical Plan, you also       • Twelve (12) months after the individual’s determina-
select the Eligible Dependents you wish to cover, if              tion date if the individual is enrolled for coverage dur-
dependent coverage is available under your job classifi-           ing an Initial Enrollment Period or a Status Change
cation. Choices for coverage under the Associates’                Event (see the Eligibility and Enrollment chapter; or
Medical Plan are:
                                                                • Eighteen (18) months following the individual’s deter-
• Associate Only                                                  mination date, if the individual is enrolled for cover-
• Associate + Spouse                                              age at Annual Enrollment as a late enrollee (not dur-
                                                                  ing his or her Initial Enrollment Period or a Status
• Associate + Children
                                                                  Change Event).
• Family
                                                                The 12-month or 18-month limitation period can be
Peak-Time associates and Part-Time Truck Drivers only           reduced or eliminated if the individual had prior cred-
may cover their Eligible Dependent children, and may not        itable coverage.
cover their spouses. For information on dependent eligi-
bility and when dependents can enroll, see the Eligibility      This pre-existing condition limitation does not apply to:
and Enrollment chapter.
                                                                • Pregnancy-related expenses;
The cost for medical coverage under the Associates’             • Children born to the individual, adopted, or placed
Medical Plan is based upon the coverage option you                with the individual for adoption when the individual
select and the Eligible Dependents you choose to cover.           is eligible for participation in the AMP, as long as the
                                                                  child is enrolled in the AMP within 60 days after the
To find the associate cost for medical coverage
                                                                  birth, adoption, or placement for adoption;
under the Associates’ Medical Plan, go to the WIRE or
walmartbenefits.com. The cost of any coverage
option may change from year to year.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                   53
                • Children born to the individual, adopted, or placed      When your coverage or an Eligible Dependent’s coverage
                  with the individual for adoption under a previous        ends for any reason (including the end of COBRA), the law
                  medical plan if the child had medical coverage within    requires your employer or prior health plan to provide
                  30 calendar days of the child’s birth, adoption, or      you with a Certificate of Creditable Coverage (COCC).You
                  placement for adoption and the child has not had a       may also request a COCC from your prior plan for yourself
                  break in coverage of 63 days or more before enrolling    or your dependent at any time.
                  in the AMP; or
                                                                           If you need to obtain a COCC from the Benefits
                • The Pharmacy Benefit and mail order pharmacy.
                                                                           Department, please contact:
                Providing a Certificate                                     Wal-Mart Benefits Department
                of Creditable Coverage                                     922 West Walnut, Suite A
                The 12-month or 18-month pre-existing condition            Rogers, AR 72756-3540
                limitation period can be reduced or eliminated if the      Phone: (800) 421-1362
                individual had prior creditable coverage. Creditable
                coverage is prior medical coverage an individual had       Email:    Ask Betty from the WIRE or
                                                                                     walmartbenefits.com
                before joining the Associates’ Medical Plan if the
                individual did not have a break in coverage of 63 days     You also have the right to demonstrate creditable
                or more. An individual can reduce the pre-existing con-    coverage through documentation other than a COCC,
                dition limitation period by providing the Third-Party      such as a Medicare identification card showing Plan A
                Administrator of the Associates’ Medical Plan with evi-    or B coverage, a military identification card for each indi-
                dence of creditable coverage.                              vidual (front and back), or other correspondence from a
                                                                           plan or issuer indicating prior health coverage including
                Creditable coverage includes:
                                                                           who was covered and the dates of coverage.You must
                • Coverage under another employer’s group                  cooperate fully with the Associates’ Medical Plan to verify
                  health plan                                              prior creditable coverage.
                • Coverage under an individual health
                                                                           Within a reasonable time after receiving the COCC or
                  insurance policy
                                                                           other proof of creditable coverage, the Third-Party
                • Medicare                                                 Administrator will:
                • Medicaid
                                                                           • Inform you of its decision of creditable coverage and
                • Coverage under a medical care plan for members and         how it will be counted towards the pre-existing con-
                  former members (and their dependents) of the               dition limitation,
                  United States Uniformed Services
                                                                           • Notify you in writing of its decision regarding any
                • Coverage under a medical care program of the Indian        pre-existing condition limitation period,
                  Health Service or a tribal organization
                                                                           • Explain the basis for the decision and the information
                • Coverage under a state health benefits risk pool            the Third-Party Administrator relied on in making the
                • The Federal Employees’ Health Benefit Program               decision, and
                • A public health plan (federal, state, and foreign gov-   • Allow you the chance to appeal the decision and pro-
                  ernment plans)                                             vide additional evidence of creditable coverage.
                • State Children’s Health Insurance Programs (SCHIP)       See the Claims and Appeals chapter for details about
                • A health benefit plan of the Peace Corps Act              your right to appeal.




54   For more information, log on to walmartbenefits.com, 24/7 or
                                               2008 Wal-Mart Associate Benefits Book




If the Third-Party Administrator later determines that         HMO Plans
you did not have the claimed creditable coverage, the
                                                               In addition to the options offered under the Associates’
Third-Party Administrator may modify its initial decision
                                                               Medical Plan, HMO plans are available at some facilities. If
if notice of the reconsideration is provided in writing to
                                                               an HMO plan is available at your facility, the plan benefits
you, and, until the final decision is made, the Third-Party
                                                               are described in materials provided separately by the
Administrator acts in a manner consistent with the ini-
                                                               HMO provider.To find out if an HMO is available to you,
tial decision for purposes of approving access to med-
                                                               contact your personnel representative.
ical services.
                                                               HMO plans are independent organizations and fully
Starbridge—Coverage During Your                                insured. The policies for HMO plans include different
Eligibility Waiting Period                                     benefits, limitations and exclusions, cost sharing require-
Starbridge offers a limited medical plan for Full-Time         ments, and other features in comparison to the AMP.
hourly associates, Peak-Time hourly associates, and            These features are described in a benefits book which
Part-Time Truck Drivers and their Eligible Dependents          will be issued by the HMO. HMO plans limit payment
who are in their eligibility waiting period for the            refunds and retroactive coverage to 60 days. All HMO
Associates’ Medical Plan or an HMO plan, or who are            claim issues should be directed to the HMO plan office
Temporary associates. Starbridge covers the costs asso-        to be resolved.
ciated with basic day-to-day Covered Expenses such as




                                                                                                                              The Medical Plan
                                                               In addition, HMO plans may have different eligibility
treatment for the flu or a broken bone—up to a maxi-
                                                               requirements than the Associate Medical Plan’s normal
mum benefit of $1,000 per participant per calendar
                                                               eligibility requirements. For example, state law may
year. Starbridge does not cover preventive
                                                               require an insurance policy to include different eligibility
care or catastrophic medical bills. Ask your personnel
                                                               provisions for dependents, such as allowing coverage for
representative for a brochure or call Starbridge
                                                               a dependent child past age 23 or coverage for a domestic
Customer Service at (800) 288-1474. Starbridge is
                                                               partner.You may obtain a description of these differences
not available in Hawaii. A Starbridge Summary Plan
                                                               by calling (800) 421-1362.The AHWP will apply the eligi-
Description will be mailed to you when you enroll.
                                                               bility requirements outlined in the Eligibility and
The Starbridge policy has different eligibility require-       Enrollment chapter, unless you contact the Benefits
ments than the Associates’ Medical Plan’s normal eligibili-    Department at the number above and request that a dif-
ty requirements. In addition, state law may require an         ferent eligibility provision in the policy be applied to you
insurance policy to include different eligibility provisions   relating to dependents.
for dependents, such as allowing coverage for a depend-
ent child past age 23 or coverage for a domestic partner.      The Associates’ Medical Plan—
You may obtain an explanation of these differences by          The Value Plan and Freedom Plan
calling (800) 421-1362.The Associates’ Health and              The Associates’ Medical Plan offers two coverage options:
Welfare Plan (AHWP) will apply the eligibility require-
ments in the Eligibility and Enrollment chapter, unless        • The Value Plan—you customize your own Value Plan
you contact the Benefits Department at the number                 coverage by choosing from among a variety of
above and request that a different eligibility provision in      options for your Health Care Credit, Annual
the policy be applied relating to dependents.                    Deductible, Out-of-Pocket Maximum and Network.
                                                               • The Freedom Plan with Health Savings Account—
                                                                 you choose your Annual Deductible amount and
                                                                 Network option. For information on the health savings
                                                                 account, see the Health Savings Account chapter.
                                                               The Value Plan and the Freedom Plan both provide pre-
                                                               scription drug coverage through the Pharmacy Benefit.
                                                               For more information about the Pharmacy Benefit, see
                                                               the Pharmacy Benefit chapter.



                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                 55
                How the Associates’                                                Usual, Customary, and Reasonable (UCR): usual is a
                Medical Plan Works                                                 fee regularly charged for a given service or supply by
                                                                                   medical providers; customary is a fee that is within the
                Both the Value Plan and the Freedom Plan pay benefits
                                                                                   accepted range of usual fees charged by other
                for Covered Expenses. Covered Expenses are charges for
                                                                                   providers of similar training and experience for services
                services and supplies that are:
                                                                                   within the same specific and limited geographical area;
                • Medically Necessary procedures, supplies, equip-                 and reasonable is a fee that meets the two criteria
                  ment, or services determined by the Plan to be:                  above and is justifiable, considering the special circum-
                  —Appropriate for the symptoms, diagnosis, or treat-              stances of a particular case in question.
                   ment of a medical condition,                                  • Not excluded under the plan—see What is Not
                                                                                   Covered Under the Plan later in this chapter.
                  —Provided for the diagnosis or direct care and treat-
                   ment of the medical condition,                                • Not otherwise in excess of plan limits.

                  —Within the standards of good medical practice with-           How the Value and
                   in the organized medical community,                           Freedom Plans Pay Benefits
                  —Not primarily for the convenience of the patient or           If you are enrolled in the Value Plan, you will choose a
                   the patient’s doctor or other provider, and                   Health Care Credit amount.Your Health Care Credit is the
                                                                                 amount of Covered Expenses per covered individual that is
                  —The most appropriate procedure, supply, equipment,
                                                                                 paid at 100 percent by the Plan before your Annual
                   or service which can be safely provided:
                                                                                 Deductible applies.The Health Care Credit amount paid on
                       • There must be valid scientific evidence demon-           your behalf will not exceed the Health Care Credit amount
                         strating that the expected health benefits from          you have chosen ($100, $250, or $500). And, the Health
                         the procedure, supply, equipment, or service are        Care Credit amount paid will not exceed any plan limits.
                         clinically significant and produce a greater likeli-
                         hood of benefit, without a disproportionately            As a Value Plan and Freedom Plan participant, you choose
                         greater risk of harm or complications for the           an Annual Deductible amount. For Freedom Plan partici-
                         patient with the particular medical condition           pants, the Annual Deductible is the amount of Covered
                         being treated than other possible alternatives;         Expenses you pay each year before the plan starts paying
                                                                                 a portion of the Covered Expenses.Value Plan partici-
                       • Generally accepted forms of treatment that are
                                                                                 pants begin paying toward the Annual Deductible after
                         less invasive have been tried and found to be
                                                                                 the Health Care Credit amount has been paid by the plan.
                         ineffective or are otherwise unsuitable; and
                                                                                 Once the Annual Deductible has been met, you pay a
                       • For Hospital stays,acute care as an inpatient is nec-   percentage of the cost of Covered Expenses called the
                         essary due to the kind of services the patient is       Coinsurance.Typically, your Coinsurance amount is 20
                         receiving or the severity of the medical condition,     percent of the cost of the covered expense when using
                         and safe and adequate care cannot be received as        in-Network providers.
                         an outpatient or in a less intensive medical setting.
                                                                                 Value Plan participants also choose an Out-of-Pocket
                • Not in excess of Usual, Customary, and Reasonable
                                                                                 Maximum amount (the Freedom Plan does not have Out-
                  (UCR) or the Maximum Allowable Charge (MAC) as
                                                                                 of-Pocket Maximum choices).The Out-of-Pocket
                  determined by the Third Party Administrator (TPA).
                                                                                 Maximum is the maximum amount of money you pay
                  Third Party Administrators make medical claims
                                                                                 before the plan begins paying 100 percent of Covered
                  determinations and process your medical claims—
                                                                                 Expenses for the remainder of the calendar year. Annual
                  they do not insure any medical benefits under the
                                                                                 Deductibles, Copays, and the money you pay for Network
                  Associates’ Medical Plan.
                                                                                 services apply to your Out-of-Pocket Maximum. For more
                  The Maximum Allowable Charge (MAC) is the                      information, see What Counts Toward Your Out-of-
                  amount of a provider’s charge (whether Network or              Pocket Maximum later in this chapter.
                  non-Network) paid to providers in a given geographic
                  area as determined by the Third Party Administrator.           There is no lifetime maximum benefit for most major
                                                                                 medical expenses unless otherwise stated in this chapter.

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How the Value and Freedom Plans Pay Benefits

                             Value Plan                                                     Freedom Plan
Wal-Mart                     The plan pays Covered Expenses up to the                       Not applicable
Health Care Credit           Health Care Credit amount you have chosen.

Annual Deductible            After your Health Care Credit has been exhausted, you must     The family Annual Deductible is a combined Annual
See When Preventive Care     meet the Annual Deductible amount you have enrolled in         Deductible for all family members and must be met before
Benefits are Paid Before      before Coinsurance benefits are paid.The family Annual          any benefits are payable. Eligible pharmacy charges also
Annual Deductible is Met     Deductible is two-times the individual Annual Deductible       apply to the Annual Deductible.
on the next page for         and can be met by two family members or any combination
exceptions on when Annual    of family members' Covered Expenses.
Deductible applies

Per-Event                    An ambulance or air ambulance and emergency room               An ambulance or air ambulance and emergency room
Annual Deductibles           Per-Event Deductible applies. See Per-Event Deductibles        Per-Event Deductible applies. See Per-Event Deductibles
                             on the next page.                                              on the next page.


Out-of-Pocket Maximum        Once your individual Out-of-Pocket Maximum amount              If you have individual coverage, once your individual
See What Counts Toward       has been met, your Covered Expenses are payable at 100         Out-of-Pocket Maximum amount has been met, your
the Out-of-Pocket            percent for the rest of the calendar year.The family Out-of-   Covered Expenses are payable at 100 percent for the rest of




                                                                                                                                                          The Medical Plan
Maximum                      Pocket Maximum is two-times the individual Out-of-Pocket       the calendar year. If you have family coverage, the Out-of-
on the next page             Maximum and can be met by two family members or any            Pocket Maximum is a combined maximum for all family
                             combination of family members' Covered Expenses. Once          members. Once the family Out-of-Pocket Maximum is met,
                             the family Out-of-Pocket Maximum is met, benefits are           Covered Expenses are payable at 100 percent for the rest of
                             payable at 100 percent for the rest of the calendar year.      the calendar year.




Value and Freedom Plan Network Options
                             Choice Network                             Basic Network                             Limited Network (where available)
                             In-Network           Non-Network           In-Network           Non-Network          In-Network           Non-Network

Doctor's Visit               80 percent of        80 percent of         80 percent of        50 percent of        80 percent of        50 percent of
                             Covered Expenses     Covered Expenses      Covered Expenses     Covered Expenses     Covered Expenses     Covered
                                                  and MAC or UCR                             and MAC or UCR                            Expenses and
                                                  guidelines apply                           guidelines apply                          MAC or UCR
                                                                                                                                       guidelines apply

Inpatient Hospitalization    80 percent of        50 percent of         80 percent of        50 percent of        80 percent of        50 percent of
                             Covered Expenses     Covered Expenses      Covered Expenses     Covered Expenses     Covered Expenses     Covered
                                                  and MAC or UCR                             and MAC or UCR                            Expenses and
                                                  guidelines apply                           guidelines apply                          MAC or UCR
                                                                                                                                       guidelines apply

Mental and Nervous           50 percent           50 percent            50 percent of        40 percent of        50 percent of        40 percent of
Disorders and                Outpatient of        Outpatient of         Covered Expenses     Covered Expenses     Covered Expenses     Covered
Substance Abuse              Covered Expenses     Covered Expenses                           and MAC or UCR                            Expenses and
(inpatient and outpatient)   50 percent           and MAC or UCR                             guidelines apply                          MAC or UCR
                             Inpatient of         guidelines apply                                                                     guidelines apply
                             Covered Expenses     40 percent
                                                  Inpatient of
                                                  Covered Expenses
                                                  and MAC or UCR
                                                  guidelines apply




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                                              57
                When Preventive Care Benefits are Paid                       Per-Event Deductibles
                Before the Annual Deductible is Met                         A Per-Event Deductible is an additional Annual
                For Value Plan and Freedom Plan participants, the follow-   Deductible for certain medical services and applies prior
                ing services are not subject to the Annual Deductible:      to your Annual Deductible and Coinsurance. Once you
                                                                            have reached your Out-of-Pocket Maximum, Per-Event
                • Well child visits—paid at 100 percent for children
                                                                            Deductibles will not apply for the rest of the calendar
                  under the age of 6, up to a $1,000 lifetime maximum
                                                                            year.The following Per-Event Deductibles apply:
                  benefit for immunization, including office visits. See
                  Well Child Visits in When Limited Benefits Apply           • Ambulance or air ambulance Per-Event deductible.
                  later in this chapter.                                      There is a $100 Per-Event Deductible per ambulance
                • Mammograms—Once the participant has been cov-               use. This is in addition to the Deductible and other
                  ered under the Associates’ Medical Plan for at least        Per-Event Deductibles, and may be waived upon
                  one continuous year, there is a $60 mammogram               request in the following circumstances:
                  benefit (per calendar year) for participants age 40 and      —Transport by ambulance or air ambulance was
                  over. See Early Detection Care in When Limited               requested by a public servant in the performance of
                  Benefits Apply later in this chapter.                         his or her public services duties;
                • Pap smears—Once the participant has been cov-               —Transport by ambulance or air ambulance following
                  ered under the Associates’ Medical Plan for at least         a motor vehicle accident;
                  one continuous year, there is a $60 Pap smear benefit
                                                                              —Participant is directly admitted to the Hospital; or
                  (per calendar year). The office visit is included in the
                  maximum payable for the Pap smear. See Early                —Participant dies prior to Hospital admission.
                  Detection Care in When Limited Benefits Apply
                                                                            • Emergency room Per-Event Deductible.
                  later in this chapter.
                                                                              There is a $100 Per-Event Deductible for each
                What Counts Toward the                                        emergency room visit. This is in addition to the
                Out-Of-Pocket Maximum                                         Annual Deductible and other Per-Event
                For Value Plan and Freedom Plan participants, all             Deductibles, and may be waived upon request in
                covered charges, including Coinsurance and Annual             the following circumstances:
                Deductibles, count toward the Out-Of-Pocket Maximum           —The participant is directly admitted to the Hospital
                except expenses that are paid out of Network and               from the emergency room; or
                exceed the UCR or MAC (see How the Associates’
                                                                              —The participant dies prior to Hospital admission.
                Medical Plan Works earlier in this chapter).
                                                                            Your Value and
                                                                            Freedom Plan Network Options
                                                                            Network providers accept the MAC and URC as payment
                                                                            in full, subject to the Annual Deductible and Coinsurance
                                                                            amounts. A non-Network provider may charge you
                                                                            amounts over what the Plan allows for Covered
                                                                            Expenses (for example, amounts above the MAC and
                                                                            UCR guidelines).

                                                                            Value Plan and Freedom Plan participants choose a
                                                                            Network option:




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• Choice Network: if you choose the Choice Network          The availability of Limited Networks depends on
  option, you can generally use any doctor, and the         your geographic work location. In addition to the
  Plan will charge the same Coinsurance percentage          BlueCross BlueShield Choice and Basic Networks,
  (although there are different rules regarding             the availability of Limited Networks depends on
  Hospital stays and mental health services). If you use    your geographic location.
  a Network doctor, your benefit is 80 percent of            —Aetna Limited Networks (Aetna Aexcel Choice
  Covered Expenses. If you use a non-Network doctor,         POS II and Aetna Choice POS II Open Access)
  your benefit is 80 percent of UCR or MAC. Expenses
                                                              Please be aware that enrollment in an Aetna Limited
  that exceed UCR and MAC will be your responsibili-
                                                              Network requires you to obtain prior authorization
  ty. However, for inpatient Hospitalization, you must
                                                              for some services under the Plan in order for these
  use a Network Hospital in order for your benefit to
                                                              services to be covered. See Services Requiring
  be paid at 80 percent of Covered Expenses (the Plan
                                                              Prior Authorization by the Aetna Limited
  will pay 50 percent UCR/MAC if you use a non-
                                                              Network later in this chapter for a list of services for
  Network Hospital). For mental health and substance
                                                              which Aetna requires prior authorization. See the
  abuse benefits, the Plan generally pays 50 percent of
                                                              Claims and Appeals chapter for more information
  Covered Expenses for outpatient services (regardless
                                                              on how to file claims with prior authorization.
  of whether you use a Network provider), and 50 per-
  cent of Covered Expenses for inpatient services if        —BlueCross BlueShield Limited Networks




                                                                                                                         The Medical Plan
  you use a Network Provider (40 percent if you use a        (Blue Precision, Preferred-Care Blue,
  non-Network provider)                                      Select PPO and Foundation)
• Basic Network: The Plan has contracted with                 In some locations BlueCross BlueShield will
  Third Party Administrators to provide Networks of           provide Choice, Basic, and Limited Networks.
  providers (for example doctors and Hospitals) for par-
                                                            —Humana Limited Network
  ticipants to receive medical goods and services cov-
                                                             (Humana Preferred POS—Open Access)
  ered under the Associates’ Medical Plan at discounted
  prices.The plan may pay a greater portion of your         —UnitedHealthcare Limited Network
  Covered Expenses if you see a Network provider.            (UnitedHealthcare Choice Plus)
  Under the Basic Network, the Plan will pay 80 percent
  of Covered Expenses if you use a Network provider
  (50 percent for mental health and substance abuse
  services) and 50 percent of MAC/UCR if you use a
  non-Network provider (40 percent for mental health
  and substance abuse services). Network providers do
  not charge you more than the UCR or MAC amount
  for Covered Expenses. Online provider directories are
  available on walmartbenefits.com or the WIRE.
• Limited Network (where available): a select Network
  of doctors and Hospitals. By enrolling in the Limited
  Network option, you agree to use the doctors and
  Hospitals from the Limited Network, regardless of
  their proximity to you. Non-Network services will gen-
  erally be paid at a reduced benefit level. The Plan will
  pay 80 percent of Covered Expenses if you use a
  Network provider (50 percent for mental health and
  substance abuse services) and 50 percent of
  MAC/UCR if you use a non-Network provider (40 per-
  cent for mental health and substance abuse services).



                      Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              59
                For more information about Limited Networks that              • Services from a non-Network provider, until the effec-
                may be available in your area, please see your personnel        tive date of the next Annual Enrollment period, for a
                representative or visit walmartbenefits.com                      course of treatment that began when the provider
                or the WIRE.                                                    was a Network provider, where there has not been an
                                                                                interruption of the doctor/patient relationship;
                If your doctor leaves the Network, you may need to
                                                                              • Services for laboratory, anesthesia, radiology, patholo-
                change providers or your benefit may be reduced.
                                                                                gy, or emergency medicine, but only if such services
                The choice of provider is solely the choice of the partici-     are received in connection with care from a Network
                pant. Neither the Plan nor the Third Party Administrator        provider or from a Network Hospital; or
                will interfere with your provider relationship.               • Services for treatment received while on vacation or
                                                                                business travel, where such treatment either could
                The Plan does not furnish Hospital or medical services
                                                                                not have reasonably been foreseen prior to the travel
                and is not liable for any act or omission of any provider
                                                                                or the course of treatment began prior to the travel
                or agent of such provider, including failure or refusal to
                                                                                and for medical reasons must be continued during
                render services. All medical decisions are between you
                                                                                such travel.
                and your provider. The Plan makes no representations
                regarding the quality of care or services rendered by         For the process to appeal, see the Claims and Appeals
                any provider.                                                 chapter for details.

                                                                              In addition, in each of the situations listed below,
                When Network Benefits                                          your non-Network Covered Expenses may be treated
                Are Paid for Non-Network Expenses
                                                                              as Network Covered Expenses, upon request. The
                Regardless of whether you have the Choice, Basic,             amounts paid by the Plan will be based on up to 200
                or Limited Network option, a covered expense you              percent of UCR or MAC:
                have with a non-Network provider may be treated
                as a Network Covered Expense upon request in the fol-         • Transport by ambulance or air ambulance was
                lowing circumstances:                                           requested by a public servant in the performance of
                                                                                his or her public service duties
                • If your dependent child(ren) under age 19 requires
                                                                              • Transport by ambulance or air ambulance following a
                  treatment at a Children’s Miracle Network Hospital;
                                                                                motor vehicle accident
                • Due to emergency treatment;
                                                                              • The participant is directly admitted to the Hospital
                • When there are no Network providers of the relevant           from an emergency room
                  specialty within 30 miles of the participant’s home
                                                                              • The participant dies prior to Hospital admission
                  (this does not apply to you if you are enrolled in the
                  Limited Network option);                                    Amounts in excess of 200 percent of UCR or MAC will be
                                                                              your responsibility and will not count toward your
                • Services from a non-Network provider involving a
                                                                              deductibles or Out-of-Pocket Maximums. UCR and MAC
                  pregnant participant will be treated as Network
                                                                              exceptions will not be granted in circumstances other
                  charges for up to six weeks after delivery if she began
                                                                              than those described above.
                  receiving care from the provider when the provider
                  was a Network provider and there had not been an
                  interruption of the doctor/patient relationship (bene-
                  fits will not be paid for the pregnancy-related expens-
                  es of dependent children);




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The Value Plan
The Value Plan allows you to design a medical plan                  See How the Associates’ Medical Plan Works for more
option that meets your personal health and financial                information on how benefits are paid. For more informa-
needs. With its choice of Health Care Credit, Annual                tion on coverage under the plan, see When Limited
Deductible, and Out-of-Pocket Maximum amounts, as                   Benefits Apply and What is Not Covered Under the
well as up to three Network options, the Value Plan                 Associates’ Medical Plan later in this chapter. Also,
can be designed 72 different ways. When you enroll                  see The Pharmacy Benefit chapter for information on
in the Value Plan, you choose your:                                 prescription drug coverage through the Value Plan.

• Health Care Credit amount;
• Annual Deductible amount;
• Out-of-Pocket Maximum amount; and
• Network option.

 The Value Plan Options
Health Care Credit Per         Annual Deductible               Out-of-Pocket Maximum        Network Option
Covered Individual             Single/Family                   Single/Family                (based on availability in your area)




                                                                                                                                     The Medical Plan
• $100                         • $350/$700                     • $2,000/$4,000              • Choice
• $250                         • $500/$1,000                   • $5,000/$10,000             • Basic Network
• $500                         • $1,000/$2,000                                              • Limited Network (where available)
                               • $2,000/$4,000

Keep in Mind…
A lower Health Care Credit     The higher the Annual           A higher Out-of-Pocket       Because Network providers have
amount will lower the cost     Deductible, the lower the       Maximum will lower your      agreed to negotiated rates, Network
of your coverage.              cost of the coverage.           cost of coverage.            provider services will be paid at a
                                                                                            higher benefit.


The Freedom Plan with                                               When you enroll in the Freedom Plan, you choose your:
Company Contributions to a                                          • Annual Deductible ; and
Health Savings Account                                              • Network option.
The Freedom Plan is a qualified high deductible health               See How the Associates’ Medical Plan Works for more
plan subject to ERISA that allows you to contribute to a            information on how benefits are paid. For more informa-
health savings account. In addition, the Company con-               tion on coverage under the plan, see When Limited
tributes to your health savings account.A health savings            Benefits Apply and What is Not Covered Under the
account allows you to pay for eligible health care expenses         Associates’ Medical Plan later in this chapter. Also, see
tax free. For information about the health savings account,         The Pharmacy Benefit chapter for information on pre-
see the Health Savings Account chapter.                             scription drug coverage through the Freedom Plan.


 The Freedom Plan Options
                                            Out-of-Pocket                                Network Option
 Annual Deductible                          Maximum                                      (based on availability in your area)
 • $1,250 single                            • $5,000 single                              • Choice
 • $3,000 single                            • $10,000 family                             • Basic Network
 • $2,500 family                                                                         • Limited Network
 • $6,000 family

 Keep in Mind…
 The higher the Annual Deductible,                                                       Because Network providers have agreed
 the lower the cost of the coverage.                                                     to negotiated rates, Network provider
                                                                                         services will be paid at a higher benefit.


                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                       61
                Helping You Manage Your Health                                     Health Management Program
                                                                                   Wal-Mart offers a special health management program
                24-Hour Nurse Line: Ask Mayo Clinic
                                                                                   to all associates and their dependents enrolled in the
                The Ask Mayo Clinic Nurse Line is available to all associates      Value Plan or the Freedom Plan. This program helps you
                and their dependents enrolled in the Value Plan or the             manage chronic health conditions, such as diabetes,
                Freedom Plan. Ask Mayo Clinic is a free 24-hour nurse line         coronary artery disease, heart failure, chronic obstruc-
                that provides you with answers to questions about illness-         tive pulmonary disease, and asthma. Participation in a
                es, injuries, or medical concerns any time, day or night. If       health management program is free and voluntary and
                you’re not sure whether your symptoms or a family mem-             does not affect an individual’s eligibility to participate in
                ber’s symptoms mean you should wait and call your doc-             the Associates’ Medical Plan or any benefits payable
                tor in the morning or go to the emergency room immedi-             under the Associates’ Medical Plan. Participant informa-
                ately, a quick call to the experienced registered nurses at        tion is shared only as required or allowed by state and
                Ask Mayo Clinic could help you decide what to do.                  federal law.
                Whether your medical situation is routine or serious,              Each health management program is designed to help
                Ask Mayo Clinic is a great place to turn for reliable              improve patient care. The program can benefit you by
                health information. However, it is not a substitute for            targeting and applying some of the best known clinical
                emergency response services. In a medical emergency,               treatments for your specific health condition. Plan par-
                dial 9-1-1                                                         ticipants who are selected by the program will receive
                Keep the Ask Mayo Clinic phone number—                             one-on-one education specific to their own health care
                (800) 418-0758—near your home phone as well                        status, including ways to better manage and improve
                as in your wallet or purse so you can call toll-free any           their condition.
                time from anywhere. Keep in mind that you and the                  The program available to you is determined by the state
                doctor have the final decision on how to treat your                 you live in as shown in the chart below. For more infor-
                medical condition.                                                 mation, contact your health management program.



                 Your Health Management Program
                                                                                                                      BlueCross and
                                   Active Health:                              Kaiser Permanente:                     BlueShield of Alabama:
                                   Informed Care Management (ICM)              Healthy Solutions                      Care Management
                 Phone             (800) 967-4489                              (888) 204-9080                         (800) 896-2724


                 Website           www.activehealth.net                        www.yourhealthctr.com/walmart


                 States Included   Arkansas, Colorado, Connecticut,            Alaska, Arizona, California, Nevada,   Alabama, Florida,
                                   Delaware, Idaho, Illinois, Indiana, Iowa,   Oregon, Washington                     Georgia, Louisiana,
                                   Kansas, Kentucky, Maine, Maryland,                                                 Mississippi, Tennessee,
                                   Massachusetts, Michigan, Minnesota,                                                Virginia, West Virginia
                                   Missouri, Montana, Nebraska, New
                                   Hampshire, New Jersey, New Mexico,
                                   New York, North Carolina, North Dakota,
                                   Ohio, Oklahoma, Pennsylvania,
                                   Rhode Island, South Carolina, South
                                   Dakota, Texas, Utah, Vermont,
                                   Wisconsin, Wyoming




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When Limited Benefits Apply to the                            • Injection (e.g. Depo Provera) given by a physician or
Value Plan and the Freedom Plan                                nurse every 3 months

Some services are also subject to specific restrictions and   • Implantable contraception (e.g. Implanon)
limitations in addition to the deductibles and                 Norplant is no longer available in the U.S. after 2003
Coinsurance requirements. If you have a question on the        due to adverse side effects and difficulty in removing
coverage of a particular service, please contact the Third     the device. The Plan will cover charges for removal of
Party Administrator serving you. Contact information is        the device only.
provided on your Benefits ID Card and on the inside back      Services and/or devices that are not included in the con-
cover of this book.                                          traceptive benefit are:
While the AMP covers most Medically Necessary expenses,      • Abortion
some expenses are subject to limitations or restrictions.
                                                             • Male or female sterilization
Those are described below.The limitations and restrictions
described are in addition to other AMP rules, including      • Over-the-counter birth control, including but not lim-
Annual Deductibles, Coinsurance, and exclusions.               ited to: male condoms, female condoms, vaginal
                                                               sponge, ovulation predictor kits, basal thermometers,
You should also review the list of items not covered later     and spermicides
in this chapter.                                             • Prescriptions for RU-486 and Plan B, or the




                                                                                                                                  The Medical Plan
                                                               “Morning After” pill
Ambulance
Coverage of ambulance or air ambulance transportation        Cochlear Implants
is limited to the nearest Hospital or nearest treatment      The AMP coverage of cochlear implants is limited
facility capable of providing care if other transportation   to $60,000 in lifetime maximum benefits paid.This
would threaten the life or limb of the patient.This cover-   includes pre-testing, implants, preoperative care, and fol-
age also may be subject to a Per-Event Deductible. See       low-up care.
the Per-Event Deductible section for more information.
                                                             Durable Medical Equipment (DME)
Ambulance Not Covered—Ambulance charges for the
                                                             (Please call your Third Party Administrator for additional
sole convenience of the participant or caregiver will not
                                                             details.) To be covered, a doctor must include a diagnosis,
be covered.
                                                             the type of equipment needed, and expected time of
                                                             usage. Examples of DME include wheelchairs, Hospital-
BAHA Hearing Implant Device
                                                             type beds, and walkers.The maximum per calendar year
The Plan will cover BAHA hearing implant devices where       DME benefit is $5,000 in paid benefits. If equipment is
determined to be Medically Necessary. Coverage for the       rented, the total benefit may not exceed the purchase
BAHA hearing implant device includes pre-testing,            price at the time rental began.
implants, preoperative care, and follow-up care.
                                                             DME Not Covered— Motor driven scooters, invasive
Birth Control/Contraceptives                                 implantable bone growth stimulators (except in the case
Services and devices covered under the                       of spinal surgeries), oscillatory devices for the treatment
contraceptive benefit:                                        of lung disorders, sitz bath, seat lift, rolling chair, vaporizer,
                                                             urinal, ultra-violet cabinet, whirlpool bath equipment, bed
• Diaphragms: fitting and supply                              pan, portable paraffin bath, heating pad, heat lamp,
• Cervical cap: fitting and supply                            steam/hot/cold packs, devices that measure or record
                                                             blood pressure, safety roller walker, and such other med-
• Intrauterine device (IUD): fitting, supply, and removal
                                                             ical equipment or items determined by the AMP.
• Birth control pills
• Birth control patch
• Vaginal ring



                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                     63
                Foot Care                                                       Immunizations
                For nonsurgical foot care in connection with treatment          See Well Child Visits.
                for the following conditions, the Plan allows $300 in paid
                benefits per calendar year:                                      Lung Volume Reduction (LVR)
                                                                                Lung Volume Reduction (LVR) benefits follow the trans-
                • Bunions
                                                                                plant guidelines. See Coverage for Transplants and
                • Corns or calluses
                                                                                Lung Volume Reduction later in this chapter for
                • Orthotics                                                     more information.
                • Flat, unstable, or unbalanced feet
                • Metatarsalgia                                                 Mammograms
                Services must be prescribed by a medical doctor                 The first claim filed in the calendar year for a mammo-
                (M.D.), doctor of osteopathy (D.O.), or doctor of               gram will receive the benefit. On your bill, your doctor
                podiatric medicine (D.P.M.).                                    must indicate that the services are for a routine visit.

                Open cutting surgical care (including removal of nail           Females age 40 and over who have been covered under
                roots) and nonsurgical care due to metabolic and                the AHWP (either the AMP and/or HMO) for at least one
                peripheral vascular disease are not subject to the $300         continuous year are eligible for one routine mammogram
                maximum.                                                        per calendar year, up to a maximum of $60 in paid bene-
                                                                                fits per calendar year.The mammogram benefit is not
                Orthopedic shoes prescribed by a doctor are limited to          subject to the Annual Deductible.
                $75 in paid benefits per calendar year. (Orthopedic shoes
                do not apply to the $300 calendar year limit.)                  Mental and Nervous
                                                                                Disorders and Substance Abuse
                Home Medical Supplies                                           You must be enrolled in the AHWP (either the AMP
                Coverage for home medical supplies, such as ostomy sup-         and/or HMO) for one continuous year before services are
                plies, wound care supplies, and tracheotomy supplies, is        eligible for payment. Services must be provided by a
                limited to $2,500 in paid benefits per calendar year.            licensed medical doctor (M.D.), doctor of osteopathy
                Supplies must be prescribed by a medical doctor (M.D.)          (D.O.), psychologist, social worker, or mental health coun-
                or doctor of osteopathy (D.O.) to be covered. Surgical          selor. Benefits are paid as follows:
                stockings are limited to six pairs per calendar year, up to
                                                                                • Choice Network Outpatient Network
                $70 per pair in paid benefits. (Surgical stockings do not
                                                                                  providers—50 percent of Covered Expenses
                apply to the $2,500 calendar year limit.)
                                                                                • Basic and Limited Network Outpatient Non-Network
                Home Nursing Care                                                 providers—40 percent of Covered Expenses and MAC
                                                                                  or URC guidelines apply
                In-home private-duty professional nursing services will
                be covered if provided by a state-approved licensed             • Inpatient Network Hospitals—50 percent of
                vocational nurse (L.V.N.), licensed practical nurse (L.P.N.),     Covered Expenses
                or registered nurse (R.N.). Services cannot be rendered by      • Inpatient non-Network Hospitals—40 percent of
                a relative or by someone in the same household as the             Covered Expenses and MAC or URC guidelines apply
                patient. Home nursing care benefits are payable up to a          NOTE: Outpatient visits are limited to 20 per calendar
                maximum of $10,000 per calendar year.                           year and inpatient stays are limited to 30 days per calen-
                                                                                dar year. Expenses that exceed Usual, Customary, and
                Hospice Care                                                    Reasonable (UCR) or Maximum Allowable Charge (MAC)
                Inpatient and outpatient hospice care are covered up to a       will be the responsibility of the participant. Once you
                lifetime maximum of 180 days.                                   have reached your Out-of-Pocket Maximum, eligible
                                                                                In-Network charges are paid at 100 percent for the rest of
                                                                                the calendar year.


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Mental and Nervous Disorders/Substance Abuse Not               Pregnancy Benefits
Covered: Day care centers and Day time Alcohol and             Pregnancy expenses are covered the same as any other
Mental Health Rehabilitation Centers and charges for par-      medical condition.
ent-child, marital, sibling, interpersonal conflicts, psycho-
sexual disorders, and equipment and expenses related to        Only one routine ultrasound per pregnancy is allowed.
light therapy for seasonal affective disorder.
                                                               NOTE: Newborn charges may be considered the
                                                               baby’s own, subject to the baby’s Annual Deductible
Nutritional Counseling
                                                               and Coinsurance and/or Out-of-Pocket Maximums.
Nutritional counseling that is Medically Necessary for a
                                                               For more information, call the number on the back of
chronic disease in which dietary adjustment has a thera-
                                                               your Benefits ID card.
peutic role when it is prescribed by a physician and fur-
nished by a provider (e.g., a registered dietician, licensed   NOTE: Benefits will not be paid for the pregnancy-
nutritionist, or other qualified licensed health profession-    related expenses of dependent children, including
al) recognized under the plan. Benefits are limited to          complications.
three visits per condition per year.
                                                               NOTE: Group health plans and health insurance
                                                               issuers generally may not, under federal law, restrict
Outpatient Physical/ Occupational Therapy
                                                               benefits for any Hospital length of stay in connection




                                                                                                                            The Medical Plan
Covered when services are:
                                                               with childbirth for the mother or newborn child to
• Prescribed by a medical doctor (M.D.), doctor of             less than 48 hours following a vaginal delivery, or less
  osteopathy (D.O.), or doctor of podiatric medicine           than 96 hours following a cesarean section. However,
  (D.P.M.), and                                                federal law generally does not prohibit the mother’s
                                                               or newborn’s attending provider, after consulting with
• Provided by a licensed physical or occupational thera-
                                                               the mother, from discharging the mother or her new-
  pist or by one of the types of doctors listed above.
                                                               born earlier than 48 hours (or 96 hours as applicable).
The benefit is payable up to a maximum of $2,000 per            In any case, plans and issuers may not, under federal
calendar year in paid benefits.                                 law, require that a provider obtain authorization from
                                                               the plan or the insurance issuer for prescribing a
Pap Smears                                                     length of stay not in excess of 48 hours (or 96 hours).
Females who have been covered under the AHWP (either
the AMP and/or HMO) for at least one continuous year           Prostheses
are eligible for one routine Pap smear and pelvic exam         Standard permanent prosthesis is limited to
per calendar year, up to a maximum of $60 in paid bene-        artificial limbs and artificial eyes. Replacement will be
fits per calendar year.The Pap smear benefit is not sub-         allowed only with a change of prescription. A board-certi-
ject to the Annual Deductible.                                 fied prosthetician must perform replacements of
The first claim filed in the calendar year for a Pap smear       artificial limbs.
will receive the benefit. On your bill, your doctor must
indicate that the services are for a routine visit.




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                Rehabilitative Inpatient Care                                  TMJ Dysfunction/ Orofacial Deformity
                The Associates’ Medical Plan covers inpatient rehabilita-      Surgery is limited to a lifetime maximum of $5,000 in
                tion for head and spinal cord injuries, degenerative neu-      paid benefits per participant for:
                rological diseases, and other trauma-related injuries,
                                                                               • Temporomandibular joint;
                except drug- and alcohol-related diagnoses. In addition,
                inpatient and day rehabilitation benefits are limited to        • Orofacial deformities and all adjacent muscles
                120 days per condition.                                          and nerves;
                                                                               • Mandibular/maxillary fractures as a result of atrophy;
                Specialty Care                                                 • Jaw-related neuromuscular conditions; and
                Medical care commonly provided at the following types          • Alteration of the occlusal relationship of the teeth
                of facilities:                                                   and/or jaws to eliminate pain or dysfunction.
                • Extended care facility                                       Services included in the $5,000 payable lifetime maxi-
                • Long-term acute specialty facility                           mum include, but are not limited to:

                • Subacute care facility                                       • Office visits;
                • Skilled nursing facility                                     • Surgery and anesthesia;
                • Transitional care facility                                   • Diagnostic work-ups;
                Benefits are limited to a maximum of 60 calendar days           • Physical therapy;
                per disability period.                                         • Lab fees; and
                Benefits are payable when the participant is admitted to        • Inpatient or outpatient facility fees.
                this level of care subsequent to an eligible acute care
                                                                               Coverage for certain temporomandibular joint treat-
                Hospital confinement.
                                                                               ments will be covered, without limit, in cases where the
                Successive periods of confinement due to the same or            covered individual’s temporomandibular joint has deteri-
                related causes are considered one disability period unless     orated due to a medical condition such as arthritis.
                separated by a complete recovery.
                                                                               The following services, devices, and equipment are
                                                                               not covered:
                Speech Therapy
                Therapy is limited to $5,000 in paid benefits per               • Continuous Passive Motion machine (CPM)
                calendar year when:                                            • Orthodontics (may be covered under the
                                                                                 Dental Plan)
                • Prescribed by a medical doctor (M.D.) or doctor of
                  osteopathy (D.O.), and                                       • Bridges and dentures (may be covered under the
                                                                                 Dental Plan)
                • Provided by a licensed speech therapist.
                                                                               • Appliances and hardware (may be covered under the
                An initial plan of treatment, ongoing plan of treatment,         Dental Plan)
                and progress reports may be requested from the pre-
                                                                               • Root canals (may be covered under the Dental Plan)
                scribing doctor.To be covered, speech therapy must be
                                                                               • Implants placed in the mouth
                for a residual speech impairment resulting from:

                • A cerebral vascular accident;                                Transplants
                • Head or neck injury;                                         See Coverage for Transplants and Lung Volume
                • Paralysis of voice cord(s) or larynx, partial or complete;   Reduction later in this chapter for details.

                • Head or neck surgery; or
                • Congenital and severe developmental speech disor-
                  ders in children up to age six.



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Vision Care                                                     Coverage When You
The Associates’ Medical Plan covers the initial placement       Travel to a Foreign Country
of contact lenses or one pair of glasses, up to a maximum       If you need medical care when traveling abroad, follow
of $140 in paid benefits ($140 is a lifetime limit per eye,      these steps:
per condition), following cataract surgery, diagnosis of
keratoconus, or treatment of esotropia in children. In no       • Before you leave, contact your Third Party
other circumstance are contact lenses or glasses covered          Administrator at the number on the back of your
by the AMP.                                                       Benefits ID card for coverage details. Coverage out-
                                                                  side the United States may vary.
Vitamins                                                        • Always carry your Benefits ID card with you
Vitamin D analog prescriptions (calcitriol — Rocaltrol,           when you travel, and present it when you receive
Calcijex; Zemplar, Hectorol) are covered under the                medical services.
Pharmacy Benefit in order to treat specific conditions            • For more information about emergency medical serv-
associated with chronic kidney disease.These prescrip-            ices received in a foreign country, call your Third Party
tions require a prior authorization to ensure the medica-         Administrator at the number on the back of your
tion is used for appropriate situations and conditions.           Benefits ID card.

Vitamins Not Covered: Vitamins (whether oral or                 Coverage for Transplants




                                                                                                                              The Medical Plan
injectable), minerals, nutritional supplements and dietary      and Lung Volume Reduction (LVR)
supplements (other than dietary supplements to treat            To be eligible for transplants and lung volume
urea cycle disorder, organic acid disorder, fatty acid oxida-   reduction benefits, participants must be enrolled in
tive disorder, or carbohydrate disorder).                       the Associates’ Medical Plan or an HMO plan option
                                                                offered by the AHWP continuously for one year. Time
Well Child Visits                                               enrolled in Starbridge, the Cancer Insurance Policy, or
Children under age 6 are eligible for a $1,000 lifetime         the Accident Insurance Policy does not count toward
wellness benefit.The office visit charge and the immu-            the one-year wait. Benefits are paid based on the
nization will be paid at 100 percent up to the $1,000 max-      transplant and LVR guidelines.
imum. Charges that exceed UCR or MAC will be the
                                                                If your doctor recommends a transplant, please
responsibility of the participant.The benefit is not subject
                                                                ask your doctor to call the Benefits Department at
to the Annual Annual Deductible. Additional charges
                                                                (800) 421-1362 or (479) 621-2830.
such as lab work, hearing screenings, or vision screenings
are not included in the wellness benefit.
                                                                Guidelines for Covered Transplants and LVR
                                                                All Transplants (except Kidney, Cornea and
                                                                Intestinal) and LVR
                                                                • All transplant recipients (except for kidney, cornea
                                                                  and intestinal recipients) must undergo a pre-trans-
                                                                  plant evaluation at the Mayo Clinic. In performing this
                                                                  evaluation, the Mayo Clinic is not an agent of
                                                                  the Plan. It is the Plan’s intent that this evaluation be
                                                                  made pursuant to the doctor-patient relationship
                                                                  between the Mayo Clinic and the participant. Travel
                                                                  and lodging for the recipient and a companion and
                                                                  a daily allowance will be provided for required evalu-
                                                                  ations at the Mayo Clinic.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                 67
                • Liver, heart, lung, pancreas, simultaneous kidney/pan-     More About
                  creas, multiple organ, LVR, and bone marrow trans-         Transplant and LVR Coverage
                  plants must be performed at the Mayo Clinic or no          • Claims for transplants and LVR that are not performed
                  benefits will be paid unless travel will result in death.     in accordance with the guidelines above will be
                • Claims for all transplants performed at the Mayo             denied.
                  Clinic (including pediatric) are covered at 100 percent    • Coverage is limited to transplantation of
                  with no Annual Deductible (unless you are enrolled in        human organs.
                  a Freedom Plan; federal tax laws require the Annual
                                                                             • The Associates’ Medical Plan does not coordinate
                  Deductible to be met prior to any plan payments).
                                                                               benefits with respect to transplant and LVR benefits,
                  Additionally, travel and lodging for the recipient and a
                                                                               other than coordination with Medicare, or as other-
                  companion and a daily allowance will be provided.
                                                                               wise required by law. If any portion of a transplant or
                • The plan does not cover Experimental and/or                  LVR benefit could have been paid by another health
                  Investigational transplant-related services unless           plan, had the individual followed the terms of that
                  those services are recommended and performed by              plan, the Associates’ Medical Plan will not pay any
                  the Mayo Clinic.                                             amount of the transplant or LVR benefit claim.
                • Benefits for a covered transplant procedure and relat-      • Transplant donor expenses are not covered, unless
                  ed expenses, including travel and lodging, will end          the recipient is a plan participant who is eligible for
                  one-year post-transplant or after a one-year post-           transplant coverage and the living donor’s expenses
                  transplant evaluation is performed.                          are not paid by his or her own medical plan or insur-
                • Non-transplant services rendered at the time                 ance. Covered donor charges will be paid according
                   of the doctor visit, such as lab work, X-rays, or           to the transplant guidelines above at the same bene-
                  other tests, are subject to the Annual Deductible            fit level as the recipient for up to 90 days post-trans-
                  and Coinsurance.                                             plant. Please note that cadaver organ acquisition and
                • Travel for transplant-related services must be               procurement expenses are not covered unless the
                  arranged by a Transplant Coordinator. For travel             expenses are part of the provider’s base contracted
                  arrangements, please call the Benefits Department             rate with the plan.
                  at (800) 421-1362 or (479) 621-2830.
                                                                             What is Not Covered by the
                Kidney, Cornea, and Intestinal Transplants                   Associates’ Medical Plan
                Kidney, cornea, and intestinal transplants can be per-       In addition to the exclusions and limitations listed
                formed at the facility of your choice. Claims will be cov-   in the Limited Benefits section, the following list
                ered at 80 percent Network or 50 percent non-Network         represents services and charges that are not covered
                after the Annual Deductible has been met. No travel,         by the Plan. Network discounts will not apply to these
                lodging, or daily allowance will be provided for these       services and charges.
                transplants (even if performed at the Mayo Clinic).
                                                                             If you are enrolled in the Freedom Plan, you may be able
                Pediatric Transplant Recipients Under Age 19                 to use your health savings account funds for these and
                Pediatric transplant recipients under age 19 (except for     other qualified medical expenses. For more information,
                kidney, cornea, and intestinal transplants) must undergo a   contact your HSA administrator.
                pre-transplant evaluation at the Mayo Clinic. Upon
                                                                             If you have a question regarding whether a
                approval by the Mayo Clinic, the transplant may be per-
                                                                             particular service is covered under the Plan, please
                formed at the facility of your choice and will be covered
                                                                             contact the customer service number on your Benefits
                at 80 percent Network or 50 percent non-Network after
                                                                             ID Card or see the inside back cover of this book for
                the Annual Deductible is met.Travel, lodging, and a daily
                                                                             contact information.
                allowance will be provided only if the transplant is per-
                formed at the Mayo Clinic.




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• Acupuncture                                               • Charges That Should Have Been Included in the
• Administrative Services and Interest Fees:                  Primary Billing Code
  Charges for the completion of claim forms, missed         • Charges above Usual, Customary, and Reasonable
  appointments, additional charges for weekend or             (UCR) or Maximum Allowable Charge (MAC): See
  holiday appointments, interest fees, collection fees,       How the Medical Plan Pays Benefits earlier in this
  or attorneys’ fees.                                         chapter concerning non-Network UCR and MAC
• Assistant Surgeon: Unless a Medical Doctor (M.D.) or        exceptions in special situations.
  Doctor of Osteopathy (D.O.)                               • Charges in Excess of Plan limits
• Autopsy                                                   • Charges or Procedures that the Participant is not
• Biofeedback                                                 Obligated to Pay

• Breast Reconstruction/Reduction: Any expenses or          • Chelation Therapy: Unless used for treatment
  charges resulting from breast enlargement (augmenta-        of acute metal poisoning, digitalis toxicity, or
  tion), including implant insertion and implant removal,     Wilson’s disease.
  whether male or female, are not covered except when       • Chiropractic Care: Any services performed by
  the implant is removed as the result of implant damage      a chiropractor.
  or rupture. Replacement of a damaged or ruptured          • Complications of Noncovered Devices or
  implant is not covered unless the original implant was




                                                                                                                          The Medical Plan
                                                              Procedures
  placed for conditions eligible by the Plan.
                                                            • Copays and/or Discounts
  Any expenses or charges resulting from breast reduc-
                                                            • Cosmetic Surgery: Except for congenital abnormality,
  tions, implantations, or for total breast removal,
                                                              for services covered under the Women’s Health Act
  whether male or female, are not covered, unless
                                                              (see Breast Reconstruction/ Reduction above), or for
  directly related to treatment of a mastectomy (as pro-
                                                              conditions resulting from accidental injuries, tumors,
  vided below), or unless the Plan conducts a medical
                                                              or diseases.
  review and determines that the procedure is
  Medically Necessary.                                      • Custodial or Respite Care: Custodial care is
                                                              services that are given merely as “care” in a facility or
  The Women’s Health and Cancer Rights Act of 1998
                                                              home to maintain a person’s present state of health,
  (Women’s Health Act) requires that group health
                                                              which cannot reasonably be expected to significant-
  plans and HMO plans offering mastectomy coverage
                                                              ly improve.
  provide coverage for reconstruction of the breast on
  which a mastectomy was performed, surgery and             • Dependent Child Pregnancy (including
  reconstruction of the other breast to produce a sym-        complications)
  metrical appearance, and prostheses and treatment         • Dental Treatment: Charges for care of teeth and
  of physical complications at all stages of the mastec-      gums (including bridgework, removal of wisdom
  tomy, including lymphedemas.                                teeth, dental implants, and anesthetics or facility
  The Women’s Health Act is effective for mastec-             charges), including injuries to teeth resulting from the
  tomies performed on or after January 1, 1999, or            act of biting or chewing, except the following charges
  for complications arising from mastectomies per-            submitted by a doctor or dentist:
  formed before such date. The Women’s Health Act             —Prescriptions
  does not apply to mastectomies performed before             —Treatment of fractures/dislocations of the jaw result-
  January 1, 1999, and thus, reconstructive surgery to         ing from an accidental injury
  produce a symmetrical appearance or prosthesis will
                                                              —Accidental injury to natural teeth up to one year
  not be covered unless the participant was actively
                                                               from the date of the accident (does not include
  being treated for the mastectomy after December
                                                               injuries resulting from biting or chewing; may be
  31, 1998. For additional information, please call
                                                               covered under the Dental Plan)
  (800) 421-1362.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              69
                  —Anesthesia for dental treatment where Medically            —Age 18 and over when medically appropriate (as
                   Necessary, but only where patient suffers from a            determined by the Associates’ Medical Plan) for HIV
                   medical condition that prevents the patient from            wasting syndrome (up to 12 weeks) or for acquired
                   holding still (including but not limited to dystonia,       growth hormone deficiency resulting from the
                   Parkinson’s disease, autism)                                destruction of normal pituitary and/or hypothalamic
                  —Nondental cutting procedures in the oral cavity             tissue, usually from a tumor or secondary to surgical
                                                                               and/or radiation therapy.
                  —Medical complications which are the result of a cov-
                   ered dental procedure and which are in excess of         • Hair Loss: Other than services for alopecia areata.
                   Dental Plan limits.To obtain coverage:                   • Hearing Devices to Enhance/Aid Senses: Charges for
                                                                              routine hearing tests and any electrical device to
                       • The complication must be medical in nature.
                                                                              enhance any one or more of the senses, including but
                       • You must be currently enrolled in and eligible       not limited to hearing aids.
                         for both Medical and Dental coverage.
                                                                            • HMO Copays
                       • Dental Plan limits must be exhausted.              • Homeopathic/Naturopathic Medicine and Services
                Call the Benefits Department at (800) 421-1362 to see if     • Hypnosis
                your situation meets these guidelines.
                                                                            • Injuries or Illness while being engaged in an Illegal
                • Drugs, Items, and Equipment not FDA Approved                Occupation, Illegal Activity Assault, Felony, or
                                                                              participation in a Riot or Insurrection
                • Elective Inpatient and Outpatient Stays or Services
                  Outside U.S.                                              • Judgments/Settlements

                • Experimental, Investigational, and/or Treatments          • Late Claims: Charges received more than 12 months
                  and Services that are not Medically Necessary:              past the date of service, or 18 months past the date of
                  Experimental and/or Investigational medical services        service if the Plan is coordinating benefits with other
                  are those defined as Experimental and/or                     plans. See Filing a Claim later in this chapter for infor-
                  Investigational according to protocols established by       mation about coordination of benefits. In the event a
                  your Third Party Administrator. Please refer to the         participant establishes that a claim was filed within
                  transplant section for transplant services.                 these time periods, but the claim was mistakenly filed
                                                                              with the Company or any Third Party Administrator of
                • Extracorporeal Shock Wave Therapy: For plantar
                                                                              the Plan, that time shall not count toward the filing
                  fasciitis and other musculoskeletal conditions.
                                                                              period above.
                • Genetic or Chromosomal Testing (Including
                                                                            • Massage Therapy, if Provided by a
                  Counseling or therapy): Except for genetic tests that
                                                                              Massage Therapist
                  are accepted as “standard of care” for the diagnosis of
                  disease when the genetic test is necessary to deter-      • Medical Records: Charges to obtain or access med-
                  mine if an individual has a specific disease or to           ical records are not covered.
                  determine if the presence of a specific gene related       • Military-Related Injury or Illness: Including injury or
                  to the disease would result in a change in therapy of       illness related to or resulting from acts of war,
                  the specific disease.                                        declared or undeclared.
                • Government Compensation: Charges that are com-            • Nonaccredited/Nonlicensed Doctors, Health Care
                  pensated for or furnished by local, state, or federal       Workers, or Institutions
                  government or any agency thereof, unless payment is       • Nonstandard Medical Treatment
                  legally required.
                • Growth Hormones: Except for participants:
                  —Under age 18 when medically appropriate (as deter-
                   mined by the Associates’ Medical Plan); or




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• Off-Label or “Unlabeled” Drug Use: Except when              • Personal Care Items: Primarily for personal comfort or
  Medically Necessary, which means all of the following         convenience, including but not limited to diapers,
  conditions must be met:                                       bathtub grabbers, handrails, lift chairs, over-bed tables,
       —The drug is approved by the FDA;                        bedboards, incontinence pads, ramps, snug seats,
                                                                recreational items, home improvements and home
       —The drug is recognized as appropriate for the
                                                                appliances, spas, wigs, and knee braces for sports.
        stated usage by at least one of the following:
        the Food and Drug Administration (including           • Pharmaceuticals not Recommended by the United
        listing on the FDA Orphan Drug Approval Web             States Pharmacopoeia Dispensing Information or
        site); the American Hospital Formulary Service          American Hospital Formulary Service
        Drug Information; the U.S. Pharmacopoeia              • Phone and Online Consultations
        Dispensing Information,Vol. I (alternatively, in      • Pre-Existing Conditions: (See If You Are Enrolling
        the absence of being listed in the above-               in the Associates’ Medical Plan for the First Time
        named sources, if two articles from major peer-         earlier in this chapter for details.)
        reviewed journals that have validated and             • Preventive Care: (except those services covered in
        uncontested data, which supports the pro-               Limited Benefits under Mammograms, Pap Smears,
        posed use for the specific medical condition as          and Well Child Visits)
        safe and effective, this may be sufficient for the
                                                              • Pulmonary Rehabilitation (except for




                                                                                                                                The Medical Plan
        organization to consider recognition of this off-
                                                                transplant patients)
        label indication); and
                                                              • Reproductive Systems: Charges for or relating to any
       —The drug is Medically Necessary to treat the
                                                                treatment or service for sterilization or reversal of
        specific medical condition, including life-threat-
                                                                sterilization, sexual dysfunction, impotence, or family
        ening conditions or chronic and seriously debil-
                                                                planning and any complications arising therefrom.
        itating conditions.
                                                                Charges for services, supplies, medical care, or treat-
          If the off-label drug use meets the conditions        ment relating to, arising out of, or given in connection
          above and is therefore determined to be               with procedures that facilitate a pregnancy (but do
          Medically Necessary, its use shall also be deter-     not treat the cause of infertility,) such as in vitro fertil-
          mined to be “non-investigational” for the pur-        ization, artificial insemination, embryo transfer,
          poses of benefit determination.                        gamete intrafallopian transfer, zygote intrafallopian
                                                                transfer, tubal ovum transfer, or preimplantation
          This shall not be construed to require coverage
                                                                genetic diagnosis or treatment.
          for any drug when the FDA has determined its
          use to be contraindicated or not advisable.         • Routine Visits or Testing: (except those services cov-
                                                                ered in Limited Benefits under Mammograms, Pap
• Out-of-Pocket Expenses                                        Smears, and Well Child Visits)
• Over-the-Counter Medications and Equipment:                 • Self-Inflicted Injury/Illness or Voluntary
  Except for claims for insulin and allergy syringes,           Self-Medication (except as a result of a physical or
  which may be filed with WMS/NextRx.                            mental health condition)
• Pain Management: Charges for inpatient pain man-            • Services Provided by a Member of the
  agement programs.                                             Patient’s Family
• Participant-Instigated Violent Behavior or Fight:           • Services provided by a government entity
  Unless injury or illness results from a medical condi-        while incarcerated
  tion or an incident of domestic violence, or if the par-    • Sexual Dysfunction Services and Pharmaceuticals:
  ticipant is under age 19 at the time of the injury.           Including, but not limited to, the use of Viagra or any
                                                                sexual dysfunction pharmaceuticals, even if pre-
                                                                scribed for other medical conditions.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                    71
                • Smoking: Smoking cessation programs and related             • Weight Loss Programs, Medications, and Aids:
                  medications and aids (including nicotine patches).            Charges including medications, diet supplements,
                • Substance Abuse: Alcohol and drug programs, relat-            counseling (including nutritional counseling), and
                  ed medications and aids, including but not limited to         office visits for diet programs, appetite control, weight
                  Day Care Centers and Daytime Alcohol and Mental               control and treatment of obesity or morbid obesity,
                  Health Rehabilitation Centers (except those services          including but not limited to gastric bypass, gastric
                  covered in Limited Benefits under Mental and                   restrictive or stapling procedures, or small bowel sur-
                  Nervous Disorders and Substance Abuse).                       gery to limit resorption, even if the participant has
                                                                                other health conditions that might be helped by the
                • Surrogate Parenting
                                                                                reduction of weight.
                • Talking Aid: Assistive talking devises including spe-
                                                                              • Wellness Care/Exams: Participants age 6 and over
                  cial computers or advanced technological assistance
                                                                                (except those services covered in Limited Benefits
                  devices (such as Delta Talker) designed to assist in
                                                                                under Mammograms, Pap Smears, and Well
                  therapy treatment to enhance motor and/or psycho-
                                                                                Child Visits)
                  logical abilities.
                                                                              • Work Hardening or Similar Vocational Programs
                • Transplant Organ Donor Expenses: Unless the recip-
                  ient is a participant who is eligible for transplant cov-   • Workers’ Compensation: Treatment of any compensa-
                  erage and the living donor’s expenses are not paid by         ble injury, as defined by the Workers’ Compensation
                  his or her own medical plan or insurance. Also, please        Law is not covered, regardless of whether or not you
                  note that cadaver organ procurement expenses are              timely filed a claim for workers’ compensation benefits.
                  not covered unless the expenses are part of the             Services Requiring Prior
                  provider’s contracted rate with the Plan.                   Authorization by the Aetna
                • Transsexual Surgery (including hormone therapy)             Limited Network
                • Travel and Lodging except as specified under                 If you are enrolled in an Aetna Limited Plan, you are
                  Transplant Benefits                                          required to pre-certify (also referred to as pre-authorize)
                • Termination of Pregnancy: Charges for procedures,           some services in order for the service to be covered. A
                  services, drugs, and supplies related to abortions or       complete list of services for which Aetna requires prior
                  termination of pregnancy are not covered, except            authorization can be found below. Additionally, limita-
                  when the health of the mother would be in danger if         tions and exclusions of the Associates’ Medical Plan (AMP)
                  the fetus were carried to term, the fetus could not         are described in When Limited Benefits Apply and
                  survive the birthing process, or death would be immi-       What is Not Covered by the Associates’
                  nent after birth.                                           Medical Plan earlier in this chapter.
                • Under the Influence: Charges incurred directly or            Prior authorization approvals from Aetna are valid
                  indirectly while under the influence of illegal drugs.       for six (6) months in all states (prior authorizations
                • Vaccines: Charges for routine vaccinations except as        for transplants are valid for one year; see criteria below
                  provided in Limited Benefits under Well Child Visits.        under transplants).You may also contact Aetna at
                • Vitamins: Charges for vitamins (whether oral or             (800) 250-7129 if you have questions.
                  injectable), minerals, nutritional supplements,
                  or dietary supplements except as provided in Limited
                  Benefits under Vitamins.
                • Vision Care: Charges for routine eye care including
                  but not limited to vision analysis, eye examinations, or
                  eye surgeries for nearsightedness or farsightedness
                  correction of vision. Additionally, see the Limited
                  Benefits section for other conditions that are covered
                  by the Plan.



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• All home health care services                       • Reconstructive procedures that may be
• Elective (non-emergent) transportation by             considered cosmetic
  ambulance or medical van, and all transfers via            —Blepharoplasty/canthopexy/canthoplasty
  air ambulance.                                             —Breast reconstruction
• IMRT for breast cancer, based on specific criteria
                                                             —Breast reduction/mammoplasty
• Injectables
                                                             —Excision of excessive skin due to weight loss
  —Intravenous immunoglobulin (IVIG)
                                                             —Pectus excavatum repair
  —Darbepoetin alpha (Aranesp) and epoetin
   alpha (Epogen and Procrit). Call (866) 503-0857           —Rhinoplasty
   to precertify                                             —Sclerotherapy or surgery for varicose veins
  —Growth hormone                                            —Surgical treatment of gynecomastia
  —Blood clotting factors                                    —Any other potentially cosmetic procedure
  —Synagis (intake by ASRX at (866) 782-2779)         • Requests for Network level of benefits for
                                                        non-participating physicians and providers for non-
  —Interferons when used for Hepatitis C:
                                                        emergent services
       • Pegasys®




                                                                                                                   The Medical Plan
                                                      • Selected durable medical equipment
       • Roferon A®
                                                        —Clinitron and electric beds
       • Peg Intron®
                                                        —Customized braces
       • Intron A®
                                                        —Electric or motorized wheelchairs
       • Rebetron®
                                                        —Limb and torso prosthetics
       • Infergen®
                                                      • Spinal laminectomy and spinal fusion surgery
• Inpatient confinements                               • Transplants
  —Surgical and non-surgical confinements excluding      Coverage for transplants is described in Coverage for
   vaginal or Caesarean deliveries                      Transplants and Lung Volume Reduction earlier in
  —Skilled nursing facility                             this chapter. Associates are not eligible for transplant
                                                        benefits during their first year of coverage.
  —Rehabilitation facility
  —Inpatient hospice (except Medicare)
  —Observation stays greater than 23 hours
• Orthoganthic surgery procedures, bone grafts,
  osteotomies and surgical management of the
  temporomandibular joint




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362       73
                  For transplants that do not have to be performed at        Failure by you or the provider to file a claim within 12
                  the Mayo Clinic, you must file a prior authorization        months from the date of service (18 months from the
                  request with Aetna. Aetna is responsible for the eval-     date of service if coordinating with another plan as
                  uation, authorization, and management for these            described below) will result in denial of your claim.There
                  transplants, and is the claim fiduciary for these trans-    are laws that govern the review of your claims. Claims will
                  plants. Prior authorizations for transplants will be       be determined under the same time frames and require-
                  valid for one year.                                        ments set out in the Claims and Appeals chapter. See
                  Aetna is also responsible for pre-service, urgent care,    the Claims and Appeals chapter for details.
                  and concurrent care claim appeals related to trans-
                                                                             Note that you must file a prior authorization claim for cer-
                  plants. Any post-service claim appeals should be
                                                                             tain services if you are enrolled in the Aetna Limited Plan.
                  directed through the Benefits Department.
                                                                             See Aetna section for this list. For other services, the Plan
                  Note: Pediatric transplant evaluations must still be       does not require prior authorization (unless indicated in
                  performed at the Mayo Clinic, as described in              this chapter). In those cases, prenotifications or prior
                  Coverage for Transplants and Lung Volume                   authorizations are not a guarantee of payment.
                  Reduction earlier in this chapter. You should contact
                  the Benefits Department for more information.               When you use a Network provider, benefits will be
                                                                             paid directly to the provider. Payment to the provider
                • Uvulopalatopharyng-oplasty, including
                                                                             discharges the Plan’s obligations to you with respect
                  laser-assisted procedures
                                                                             to such benefit. This assignment does not allow the
                                                                             provider to pursue claims or appeals on your behalf. If
                Filing a Medical Claim
                                                                             benefits are paid to you, such as if you use a non-
                If you use a Network provider, the provider will often file   Network provider, you will be responsible for any
                the claim for you. If you see a non-Network provider, you    amounts you owe to the provider. Except for assign-
                may need to file a claim. If you need to file a claim, the     ments of payments as permitted by the Plan or as
                claim should include the following information:              required by state Medicaid law, Plan benefits cannot
                • Patient’s name                                             be assigned or transferred to another party.

                • Provider’s name, address, and tax                          You have the right to appeal a claim denial. See the
                  identification number                                       Claims and Appeals chapter for details.
                • Associate’s Benefits ID (See your Benefits ID Card)
                • Date of service
                                                                             If You Are Charged for
                                                                             Services You Did Not Receive
                • Amount of charges
                                                                             It pays to check your medical bill! If you or your depend-
                • Medical procedure codes (These should be                   ents are charged for a service you did not receive, follow
                  found on the bill)                                         the steps listed below and you may receive up to 40
                • Diagnosis                                                  percent of the savings (in addition to having the charge
                Claims will be determined under the time frames              removed). Such payments may be subject to federal
                and requirements set out in the Claims and                   and/or state tax.
                Appeals chapter.
                                                                               Step 1: Work with the provider to get the
                Please see the back of your Benefits ID Card or the                     charge(s) reduced or removed.
                inside back cover of this book for the correct address         Step 2: Submit a copy of the corrected bill
                to mail your claim. Failure to mail your claim to the                  and a letter explaining the overcharge to:
                correct address may result in the denial of your claim.
                In addition, you may complete a claim form located on                   Wal-Mart Benefits Department
                                                                                        Attn: Self-Audit Department
                the WIRE or walmartbenefits.com and submit the form                      922 West Walnut, Suite A
                to the appropriate address.                                             Rogers, AR 72756-3540, or

                                                                                        Email: selfaudit@wal-mart.com


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                                              2008 Wal-Mart Associate Benefits Book




If you follow the steps above and the reduction in the         • Any coverage under governmental plans, such as
bill results in a reduced payout to the provider, the Plan       Medicare, but not including a state plan under
will refund 40 percent of the savings to you. The refund         Medicaid or any governmental plan when, by law, its
is limited to a maximum of $2,000 per plan year, per par-        benefits are secondary to those of any private insur-
ticipant. If the bill includes a Network discount, the sav-      ance, nongovernmental program, and
ings are calculated on the amount paid by the Plan, not        • Any private or association policy or plan of
the total charge.                                                medical expense reimbursement which is group
                                                                 or individual rated.
The medical billing self-audit is for billing errors made by
the provider only and must be received within 12 months        • Any excess insurance policy.
from date of service.The refund does not apply to Dental,      When you are covered by more than one plan, one plan
HMO, the Accident Insurance Policy, the Cancer Insurance       is designated the primary plan. The primary plan pays
Policy, or Starbridge.                                         first and ignores benefits payable under other plans
                                                               when determining benefits. Any other plan is designat-
If You Have Coverage Under                                     ed as a secondary plan that pays benefits after the pri-
More Than One Medical Plan                                     mary plan. A secondary plan reduces its benefits by
The AMP has the right to coordinate with “other plans”         those benefits payable under “other plans” and may
under which you are covered so the total medical bene-         limit the benefits it pays.




                                                                                                                            The Medical Plan
fits payable will not exceed the level of benefits other-
                                                               You must follow the primary insurance terms in order for
wise payable under the AMP. “Other plans” refers to the
                                                               the Plan to pay as secondary payer.
following types of medical and health care benefits:
                                                               These rules apply whether or not a claim is made under
• Coverage under a governmental program provided
                                                               the other plan. If a claim is not made, benefits under the
  or required by statute, including no-fault coverage to
                                                               AMP will be pended or denied until an Explanation of
  the extent required in policies or contracts by a
                                                               Benefits is received showing a claim made with the pri-
  motor vehicle insurance statute or similar legislation,
                                                               mary plan.The AMP will not coordinate as a secondary
                                                               payer for any Copays you pay with respect to another
                                                               plan or with respect to prescription drug claims or trans-
 How the Plan Coordinates                                      plants (except where the other plan is Medicare).
 with Other Plans
                                                               Note:The Plan will not coordinate benefits on the Health
                   Example 1     Example 2     Example 3
                                                               Care Credit. If the Health Care Credit has not been
                                                               exhausted, then the Health Care Credit pays first and then
If another plan    80 percent 80 percent       0 percent
pays primary at:                                               the coordination rules in this section apply. Once the
                                                               Health Care Credit is exhausted, the coordination rules in
And the AMP's      80 percent 100 percent 80 percent           this section apply.
payment is:
                                                               • The Plan has first priority with respect to its right to
The AMP's total    0 percent     20 percent    80 percent
benefit is:                                                       reduction, reimbursement, and subrogation.
                                                               • The Plan will not coordinate benefits with an HMO or
                                                                 similarly managed care plan where you only pay a
• Group insurance or other coverage for a group of               copayment or fixed dollar amount.
  individuals, including coverage under another                • The Plan will not coordinate with any other
  employer plan or student coverage obtained through             plan other than Medicare with respect to a
  an educational institution,                                    covered transplant.
• Any coverage under labor-management trusteed
  plans, union welfare plans, employer organization
  plans, or employee benefit organization plans,



                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               75
                Determining Which Plan is the Primary Plan                  If You or a Dependent is
                A plan without a coordinating provision is always pri-      Covered Under Medicaid
                mary.The Associates’ Medical Plan has a coordinating        If you or your dependent is a participant in the plan
                provision. If all plans have a coordinating provision the   and is also covered under Medicaid, the plan will pay
                following will apply:                                       before Medicaid. The plan will not take the Medicaid
                                                                            coverage into account for purposes of enrollment or
                • No-fault coverage, personal injury protection, and        payment of benefits.
                  medical payment coverage are always primary, and
                  AMP is always secondary to those types of plans.          If, while you are covered under Medicaid, benefits are
                • The plan covering the participant for whom the claim      required to be paid by the plan, but are first paid by the
                  is made, other than as a dependent, pays first and the     state plan, payment by the plan will be made as required
                  other plan pays second.                                   by any applicable state law which provides that payment
                                                                            will be made to the state.
                • For dependent children’s claims, the plan of the par-
                  ent whose birthday occurs earlier in the calendar year
                                                                            If You or a Dependent is
                  is primary.
                                                                            Eligible or Enrolled in Medicare
                • When the birthdays of both parents are on the same
                                                                            In general, the Social Security Act requires that the
                  day, the plan that has covered the dependent for the
                                                                            Associates’ Medical Plan (AMP) be the primary payer
                  longer period of time is primary.
                                                                            if you or your dependent is eligible or enrolled in
                • When the parents of a dependent child are divorced        Medicare Part A, or Parts A and B, and meet one of
                  or separated and the parent with custody has not          the following criteria:
                  remarried, that parent’s plan is primary.
                                                                            • You are currently employed by the Company and are
                • When the parent with custody has remarried, that
                                                                              age 65 or older.
                  parent’s plan is primary, the stepparent’s plan pays
                  second, and the plan of the parent without custody        • You are currently employed by the Company and
                  pays last.                                                  your spouse is age 65 or older.

                • When there is a court decree that establishes finan-       • You are an active participant or COBRA participant
                  cial responsibility for the health care expenses of the     entitled to Medicare on the basis of end-stage renal
                  child, the plan that covers the parent with financial        disease, but only for the first 30-month period of eligi-
                  responsibility is primary.                                  bility for Medicare coverage (whether or not actually
                                                                              enrolled in Medicare throughout this period), unless,
                • When none of the above establish an order of benefit
                                                                              at the time you become entitled to such Medicare
                  determination, the plan that has covered the partici-
                                                                              coverage, coverage under the Plan was not due to
                  pant for whom the claim is made for the longest peri-
                                                                              employment with Wal-Mart.
                  od of time will be primary.
                                                                            • You are under age 65 and are entitled to Medicare
                                                                              due to disability and are covered under the Plan due
                                                                              to being employed by the Company.
                                                                            • Your dependent is under age 65 and is entitled
                                                                              to Medicare due to his or her disability and is
                                                                              covered under the Plan due to your being employed
                                                                              by the Company.
                                                                            The Plan will be secondary if you or your dependent
                                                                            is enrolled in Medicare and meet one of the
                                                                            following criteria:

                                                                            • You or your dependent is a COBRA participant
                                                                              enrolled in Medicare prior to the COBRA
                                                                              effective date.


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                                              2008 Wal-Mart Associate Benefits Book




• You or your dependent is an active or COBRA partici-        If you return to work after one year or add coverage
  pant entitled to Medicare due to end-stage renal            under a Status Change Event, you will be considered
  disease, after the 30-month coordination period             newly eligible, and you may enroll for coverage
  with Medicare is exhausted.                                 within the applicable time periods described in the
                                                              Eligibility and Enrollment chapter. For information
If You are Age 65 or                                          regarding pre-existing condition limitation periods,
Older and an Active Associate
                                                              see Enrolling in the Associates’ Medical Plan for the
If you are still working for the Company, you may contin-     First Time earlier in this chapter.
ue your coverage under the Associates’ Medical Plan. If
you also have Medicare, the Associates’ Medical Plan will     When Coverage Ends
generally be primary and Medicare will be secondary.
                                                              Your coverage and your dependent’s coverage terminate
File your claim with the Associates’ Medical Plan first.
                                                              on your last day of employment. However, you may be
You may also elect to end your coverage under                 able to continue your coverage under COBRA.
the Associates’ Medical Plan and choose Medicare as your
                                                              See the Eligibility and Enrollment chapter for a
primary coverage. If you choose Medicare as your pri-
                                                              complete list of events that may cause coverage to end.
mary coverage, you may not elect this Plan as your sec-
                                                              See the COBRA chapter for additional details regarding
ondary plan.
                                                              COBRA coverage.




                                                                                                                           The Medical Plan
State-Mandated Automobile Personal Injury                     If You Leave the
or Medical Payment Coverage
                                                              Company and are Then Rehired
If you reside in a state where automobile no-fault cover-
                                                              If you return to an Actively-At-Work eligible status
age, personal injury protection coverage, or medical pay-
                                                              for the Company within 30 days, you will automatically
ment coverage is mandatory, that coverage is primary
                                                              be re-enrolled for the same medical coverage options
and the Plan takes secondary status.The Plan will reduce
                                                              you had when you left, provided that coverage is still
benefits for an amount equal to, but not less than, the
                                                              available. If the prior plan is not available, you will be
state’s mandatory minimum requirement.
                                                              defaulted into the Value Plan that is most similar to
                                                              your prior coverage. See the Eligibility and Enrollment
If You Go On a Leave of Absence
                                                              chapter for more information.
You may continue your coverage up to the last day of
an approved Leave of Absence, provided that you pay           If you do not return to an Actively-At-Work eligible
your premiums either before the leave begins or during        status for the Company within 30 days, you will be
the leave.                                                    considered newly eligible and will be subject to applica-
                                                              ble waiting periods and limitations described in earlier
If your coverage has been canceled due to nonpayment          in this chapter and in the Eligibility and Enrollment
of premiums and you return to Actively-At-Work status         chapter. For information regarding pre-existing condition
within one year from cancellation, you will automatically     limitation periods, see Enrolling in the Associates’
be re-enrolled for the same coverage options (or, if this     Medical Plan for the First Time earlier in this chapter.
coverage is not available, the coverage that is most simi-
lar to your prior coverage).Your coverage will be effective
the first day of the pay period that you meet the Actively-
At-Work requirement.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               77
Eligibility and Benefits
for Associates in Hawaii

 Where Can I Find?
 Special Eligibility Rules and Benefits for Associates in Hawaii . . . . . . . . . . . . . . . . . . . . . . 80
 The Initial Enrollment Period for Medical Coverage for Full-Time, Peak-Time,
   and Temporary Hawaii Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80
 Medical Coverage Options for Hawaii Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81
 Status Change Events for Full-Time and Peak-Time Hawaii Associates . . . . . . . . . . . . . . 81
 Paying Premiums During a Leave of Absence for Hawaii Associates . . . . . . . . . . . . . . . . 81
                                            2008 Wal-Mart Associate Benefits Book




Eligibility and Benefits for Associates in Hawaii
Aloha! As an associate in Hawaii, you have special rules for enrolling in the medical plan and two
medical plan options: Health Plan Hawaii (HMSA) and the Kaiser Foundation Health Plan. And,
because Hawaii has a state-mandated disability plan, you are not eligible for the Company
Short-Term Disability Plan. Other than the eligibility and benefit differences described in this
chapter, the information in this 2008 Associates Benefits Book applies to you.




                                                                                                                   Eligibility and Benefits for Associates in Hawaii
Hawaii Medical Resources
Find What You Need                     Online                                    Other Resources

Health Plan Hawaii (HMSA)              www.hmsa.com                              (808) 948-6372


Kaiser Foundation Health Plan          www.kaiserpermanente.org                  (800) 966-5955


Enroll for benefits                                                               Complete an enrollment form
                                                                                 and return the white and yellow
                                                                                 copies of the form to your
                                                                                 personnel representative


Make changes to your benefits                                                     Call Wal-Mart Benefits
due to a status event change                                                     at (800) 421-1362 or
                                                                                 Complete an enrollment form
                                                                                 and return the white and yellow
                                                                                 copies of the form to your
                                                                                 personnel representative




What You Need to Know As a Hawaii Associate
• Full-Time hourly associates (including Full-Time hourly pharmacists, Field Logistics Associates, and
  Field Supervisor Positions in stores and clubs), Peak-Time, and Temporary associates in Hawaii have
  different Initial Eligibility Periods for medical coverage.
• Associates in Hawaii have two medical coverage options: Health Plan Hawaii (HMSA) and the
  Kaiser Foundation Health Plan.
• Associates in Hawaii cannot enroll in the Short-Term Disability Plan because they are eligible for a
  state-mandated disability plan instead.




                      Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362             79
                Special Eligibility Rules and                               The Initial Enrollment
                Benefits for Associates in Hawaii                            Period for Medical Coverage
                Associates in Hawaii have the same eligibility and          for Full-Time, Peak-Time, and
                benefits as described in this 2008 Associates Benefits      Temporary Hawaii Associates
                Book except:
                                                                            Eligibility Waiting Periods for Benefits
                • Full-Time hourly associates (including Full-Time          Medical coverage for Full-Time hourly associates (includ-
                  hourly pharmacists, Field Logistics Associates, and       ing Full-Time hourly pharmacists, Field Logistics
                  Field Supervisor Positions in stores and clubs), Peak-    Associates, and Field Supervisor Positions in stores and
                  Time, and Temporary associates in Hawaii have differ-     clubs), Peak Time, and Temporary associates in Hawaii
                  ent Initial Eligibility Periods for medical coverage.     will become effective as of the earlier of:
                • Associates in Hawaii have two medical coverage
                                                                            • The first day of the pay period following a period of
                  options: Health Plan Hawaii (HMSA) and the Kaiser
                                                                              working at least 20 hours per week for four consecu-
                  Foundation Health Plan.
                                                                              tive weeks; or
                • Associates in Hawaii have a state-mandated disability
                                                                            • Full-Time hourly associates in Hawaii can enroll for
                  plan. For additional information, contact The Hartford
                                                                              medical coverage 120 days after the date of hire.
                  at (800) 535-7073.
                                                                              Associates enrolling at this time will have a 60-day
                Associates in Hawaii also must enroll for benefits using a     window beginning on the 120th day of continuous
                paper enrollment form.                                        employment to enroll, and coverage will be effective
                                                                              as of the 181st day of continuous employment.
                                                                            • Peak-Time associates in Hawaii can enroll for medical
                                                                              coverage 60 days prior to your first anniversary of
                                                                              employment of working continuously for the
                                                                              Company. Associates enrolling at this time will have a
                                                                              60-day window beginning 60 days prior to your first
                                                                              anniversary of continuous work for the Company,
                                                                              and coverage will be effective as of the 366th day of
                                                                              continuous work.
                                                                            • Temporary associates in Hawaii can enroll on the ini-
                                                                              tial date of hire and medical coverage will become
                                                                              effective as of the first day of the pay period (follow-
                                                                              ing a period of working at least 20 hours per week
                                                                              for four consecutive weeks.
                                                                            The Initial Enrollment Period for benefits other
                                                                            than medical and short-term disability is the same
                                                                            as the Initial Enrollment Periods described in the
                                                                            Eligibility and Enrollment chapter.




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                                            2008 Wal-Mart Associate Benefits Book




Medical Coverage                                            Paying Premiums During a Leave of
Options for Hawaii Associates                               Absence for Hawaii Associates
Associates in Hawaii have two medical coverage options:     Because the associate portion of your medical premium
                                                            is wage based, there will be no premium due if there are
• Health Plan Hawaii (HMSA); and
                                                            no wages.The only premium due while on a Leave of
• The Kaiser Foundation Health Plan.                        Absence with no wages will be the dependent portion
For more information about these medical options, see       of your premium. All other coverages require payment as
your personnel representative.                              described in the Eligibility and Enrollment chapter.




                                                                                                                       Eligibility and Benefits for Associates in Hawaii
                                                            Under Hawaiian law, Wal-Mart is required to contribute
Status Change Events
                                                            at least 50 percent of the premium of associate medical
for Full-Time and
                                                            coverage (but not dependent coverage). Associates are
Peak-Time Hawaii Associates
                                                            required to pay the rest of the monthly coverage premi-
Full-Time hourly associates (including Full-Time hourly
                                                            um, but only up to 1.5 percent of their wages or 50 per-
pharmacists, Field Logistics Associates, and Field
                                                            cent of the monthly cost of the premium, whichever is
Supervisor Positions in stores and clubs), Peak-Time,
                                                            less. So, for example, if an associate’s monthly wages
and Temporary associates in Hawaii have the same
                                                            were $1,000, that associate could not be required to pay
Status Change Event guidelines as described in the
                                                            more than $15 per month for coverage (assuming that
Eligibility and Enrollment chapter if the date the
                                                            the entire premium is at least $30 per month).
Status Change Event Form is signed or the Status
Change Event is called in to the Benefits Department
is within 60 days of the event date.

If the Status Change form is dated or the Status Event
Change is called in to the Benefits Department more
than 60 days past the event date, applicable changes will
be effective on the first day of the pay period in which
the form is received in the Benefits office.




                      Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                 81
Health Savings Account

 Where Can I Find?
 Health Savings Account Advantages: Tax Breaks and Wal-Mart Contributions . . . . . . 84
 Health Savings Account Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85
 Opening Your Health Savings Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85
 Contributions to Your Health Savings Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86
 Paying Expenses Through Your Health Savings Account . . . . . . . . . . . . . . . . . . . . . . . . . . . 89
 Investing Your Health Savings Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 89
 If You Leave the Company or Are No Longer Enrolled in the Freedom Plan . . . . . . . . . 89
                                                2008 Wal-Mart Associate Benefits Book




Health Savings Account for Freedom Plan Participants
The health savings account (HSA) offers Freedom Plan participants real savings on qualified
health care expenses.That’s because you pay for these expenses with tax-free dollars that you
choose to contribute to your account and Wal-Mart-provided dollars. Once you open your
account, Wal-Mart makes an automatic deposit and matches you contributions dollar for dollar
up to set limits. Depending on the Freedom Plan Annual Deductible you choose, Wal-Mart con-
tributes up to $1,200 for individual coverage and up to $2,400 for family coverage.Your account
balance earns interest, and, as the money grows from year to year, you can use it to pay for med-
ical expenses during retirement.The health savings account helps you with medical bills today
and in the future.

Health Savings Account Resources
Find What You Need               Online                                                                Other Resources




                                                                                                                                   Health Savings Account
Establish or change              Log on to the WIRE or                                                 Call Benefits Department
your contribution amount         walmartbenefits.com and                                                at (800) 421-1362
                                 click on “Benefits Online Enrollment”


Open your                        You'll receive a welcome packet at your home address
health savings account           directly from your HSA custodian, generally during:
                                 • Early December, if you enroll during Annual Enrollment
                                 • The two to three week period after enrollment if you enroll
                                   at any other time
                                 It's your responsibility to watch for this packet to arrive, review
                                 the material, sign the signature card, and mail the information
                                 back to your HSA custodian to open your account. If you don't
                                 receive a welcome packet, call your HSA custodian.
                                 You also may open your account online at
                                 www.hsamember.com or www.myhsa.usbank.com by
                                 completing Electronic signature (E-sig). Please note that if you
                                 complete E-sig and do not sign and return the signature card,
                                 you will receive a debit card only—you will not receive
                                 a check book.


Get a list of qualified medical   walmartbenefits.com or www.hsamember.com                               Call your HSA custodian:
expenses (I.R.C.§ 213(d))                                                                              ACS/Mellon at
                                                                                                       (800) 358-3494 or
                                                                                                       US Bank at (800) 358-3494



What You Need to Know About the Health Savings Account
• You must be enrolled in the Freedom Plan in order to open a health savings account.
• Wal-Mart automatically deposits an initial contribution equal to 20 percent of your Freedom Plan Annual
  Deductible amount to your health savings account once you have opened the account. In addition, Wal-Mart
  matches your pre-tax contributions to the account dollar for dollar, up to 20 percent of your Freedom Plan
  Annual Deductible amount. You must open your account by December 1, 2008, or no initial contribution from
  Wal-Mart will be made.
• The health savings account allows you to pay for IRS-determined qualified medical expenses with tax-free dollars.



                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                      83
                Health Savings Account                                     • Easy access to the money in your account using the
                Advantages: Tax Breaks                                       debit card or checks you’ll receive after you open
                and Wal-Mart Contributions                                   your account.

                The health savings account offers Freedom Plan             • Interest on the balance in your account. Interest
                participants:                                                earnings will not be taxed as long as the funds
                                                                             remain in your account or are spent on qualified
                • The ability to pay for qualified medical expenses with      medical expenses. In addition, all HSA withdrawals
                  tax-free dollars through the account. The funds in the     for qualified medical expenses are tax-free.
                  account may be used to pay for non-medical expens-
                                                                           • Investment opportunities for your account balance,
                  es, however withdrawals for expenses that are not
                                                                             once that balance reaches a certain amount.
                  qualified medical expenses are subject to income tax
                                                                             Earnings on investments made with your health sav-
                  and 10 percent additional tax.
                                                                             ings account funds will not be taxed as long as the
                • The opportunity to select a health savings account         funds remain in the account or are spent on qualified
                  custodian—-either Mellon or US Bank. Both are              medical expenses. In addition, all HSA withdrawals
                  established financial institutions. ACS provides the        for qualified medical expenses are tax-free.
                  administration for both custodians.
                                                                           The balance in your health savings account rolls over
                • An initial contribution from Wal-Mart equal to 20        from year to year, increasing your savings for future med-
                  percent of the amount of your Freedom Plan Annual        ical expenses.You own the balance in your account, and
                  Deductible. Depending on the amount of your              can save it, invest it in funds offered through your custo-
                  Freedom Plan Annual Deductible, the automatic            dian, or spend it on qualified medical expenses.
                  deposit is $250, $500, $600, or $1,200.
                • The option to contribute pre-tax dollars to the
                  account through payroll deductions.
                • Additional Wal-Mart contributions—Wal-Mart
                  matches your pre-tax contributions dollar for
                  dollar, up to 20 percent of your Freedom Plan Annual
                  Deductible amount.




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                                             2008 Wal-Mart Associate Benefits Book




Health Savings                                              If you have non-qualified high deductible health plan
Account Eligibility                                         coverage through Wal-Mart or any other employer (e.g.,
                                                            your spouse’s employer), including a Flexible Spending
As a Freedom Plan participant, you are eligible to open a
                                                            Arrangement (FSA) or a Health Reimbursement
health savings account unless you are:
                                                            Arrangement (HRA), you are generally ineligible to make
• Covered under any other health plan that is               health savings account contributions.There are excep-
  not a qualified high deductible health plan                tions to this rule for “limited purpose” FSAs/HRAs, which
  (Exception — some disease-specific and accident            can only be used for dental or vision coverage, or for
  policies are allowed, such as the Cancer Insurance        “post-deductible” FSAs/HRAs, which only provide cover-
  Policy and Accident Insurance Policy. In addition,        age after you satisfy the deductible under an HDHP. For
  disability, dental, and vision coverage is allowed);      additional information please contact your HSA custodi-
• Enrolled in Medicare (can be eligible, but not            an at (800) 358-3494 or contact your HSA custodian
  enrolled); or                                             online (at www.hsamember.com or US Bank online at
                                                            www.myhsa.usbank.com).
• Claimed as a dependent on another person’s tax return.

                                                            Opening Your




                                                                                                                        Health Savings Account
If you are enrolled in the Accident Insurance Policy, you
are not eligible for the Organ Transplant Rider offered     Health Savings Account
with the Accident Insurance Policy.                         When you enroll online in the Freedom Plan, you
                                                            will choose:
Other restrictions may apply. For further information,
please contact your HSA custodian at (800) 358-3494.        • Your health savings account custodian—either
                                                              Mellon or U.S. Bank; and
The Freedom Plan is a qualified high deductible health
plan (HDHP) subject to ERISA and subject to require-        • The amount you want to contribute to your account
ments of federal law that allow you to contribute to a        through payroll deductions. You may change your
health savings account. However, Wal-Mart intends for         contribution amount at any time. See Establishing
the health savings account to be exempt from ERISA by         and Changing Your Contribution Amount later in
complying with the terms of the Department of Labor           this chapter.
Field Assistance Bulletin No 2004-1 and 2006-02.            You’ll receive a welcome packet at your home address
Accordingly, the health savings account is not estab-       directly from the HSA custodian, generally within the
lished or administered by Wal-Mart or the Associates’       following time frames:
Health and Welfare Plan. Instead the health savings
                                                            • By December 15, if you enroll during Annual
account is established by the associate and administered
                                                              Enrollment; or
by ACS on behalf of Mellon or US Bank.
                                                            • Within two to three weeks after enrolling in the
                                                              Freedom Plan if you enroll at any other time.
                                                            It’s your responsibility to watch for this packet to
                                                            arrive, review the material, sign the signature card,
                                                            and return the information in the self-addressed
                                                            envelope provided. When your HSA custodian receives
                                                            this information, your account will be opened and you’ll
                                                            receive a checkbook and a debit card.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362             85
                If you don’t receive a welcome packet by December 15         Health Savings Account Fees
                if you enroll during Annual Enrollment or within two to      The Company will pay the fee to set up your health
                three weeks after enrolling in the Freedom Plan if you       savings account and the monthly maintenance fees.
                enroll at any other time, please contact your HSA custo-     The Company will not pay overdraft, excess contribu-
                dian online (800) 358-3494 or Mellon online at               tion, lost card, or replacement check fees. If you are
                www.hsamember.com or US Bank online at                       enrolled in COBRA, terminate employment with the
                www.myhsa.usbank.com.                                        Company, or otherwise become ineligible for coverage
                Once Wal-Mart receives confirmation that your account         under the Associates’ Medical Plan, all associated fees
                has been opened, Wal-Mart will automatically deposit         will become your responsibility. These fees will be
                an initial contribution of 20 percent of your Freedom        deducted automatically from your health savings
                Plan Annual Deductible amount into your account the          account balance if any of these events occur.
                following pay period.
                                                                             Contributions to Your
                Once you have completed your health savings account          Health Savings Account
                deduction selection online, your payroll-deduction           Once you have opened your health savings account,
                contributions to the account and Wal-Mart’s matching         you and Wal-Mart make contributions to your account
                contributions will begin the following pay period.           as follows:
                See When Company Contributions Are Made later in             • Wal-Mart will automatically deposit an initial contri-
                this chapter for more information.                             bution equal to 20 percent of your Freedom Plan
                                                                               Annual Deductible into your account—you do not
                Money cannot be deposited into your account until your
                                                                               have to make any contributions to your health sav-
                HSA custodian receives your online electronic signature
                                                                               ings account to receive this initial contribution.
                or your signed signature card.
                                                                             • You make pre-tax contributions to the
                If you do not open your health savings account                 account through payroll deductions in any
                through Mellon or US Bank by December 1, 2008, you             amount up to the legal limit (taking into account
                will forfeit your right to the Company’s contributions for     Wal-Mart’s contributions).
                that year, even if you are covered by a Freedom Plan
                                                                             • Wal-Mart matches your pre-tax contributions
                during that year.
                                                                               dollar for dollar, up to 20 percent of your Freedom
                For the purposes of Company funding and payroll                Plan Annual Deductible.
                deductions, you are required to select either Mellon         • You also can make personal after-tax contributions
                or U.S. Bank as your health savings account custodian          to the account by mailing a check and deposit
                when you enroll. However, you may move your funds to           coupon to your HSA custodian, subject to the legal
                anther HSA custodian at any time. For any HSA custodian        limit on the account. You can then deduct these
                other than Mellon or U.S. Bank, pre-tax payroll                amounts from your taxes up to April 15 of the
                deductions will not be available, you will not receive         following year. These after-tax contributions are
                Company contributions, and all health savings account          not eligible for the Wal-Mart matching contribution.
                fees will be your responsibility.




86   For more information, log on to walmartbenefits.com, 24/7 or
                                            2008 Wal-Mart Associate Benefits Book




 Your Contributions and
 the Company's Contributions to the Health Savings Account
                                                                                               Maximum Annual
                        Automatic Company        The Maximum                                   Contribution Limit
                        Deposit (20 percent of   (Before-Tax) Amount     Company Matching      (Associate and
 Your Freedom Plan      Your Freedom Plan        You Can Contribute      Contribution—         Company Contributions
 Annual Deductible:     Annual Deductible):      Each Year:              $1 for $1 up to:      Combined):
 $1,250                 $250                     $2,400                  $250                  $2,900
 (Associate Only)

 $2,500                 $500                     $4,800                  $500                  $5,800
 (Family coverage)

 $3,000                 $600                     $1,700                  $600                  $2,900
 (Associate Only)

 $6,000                 $1,200                   $3,400                  $1,200                $5,800
 (Family coverage)




                                                                                                                        Health Savings Account
By law, the maximum annual contribution that can be         Earning Interest on
made to your account, including both the Company’s          Your Health Savings Account
contributions and your contributions (pre- and after-       The balance in your health savings account
tax) is:                                                    earns interest:
• For 2008, $2,900 for individual coverage; or              • For Mellon, the interest rate is 3.5 percent (effective
• For 2008, $5,800 for family coverage.                       January 1, 2008) and is adjusted twice a year based
These amounts are indexed annually by the federal gov-        on the LIBOR Index.
ernment and will likely change each year. Please contact    • For U.S. Bank, the interest rate depends on the
your HSA custodian for questions regarding the contri-        balance in your account:
bution limits. If you are age 55 or older, see If You Are
Age 55 or Older below for special contribution rules.
                                                             Earning Interest on
It’s important to monitor contributions to your health       Your HSA Account
savings account—there will be adverse tax conse-
quences if your contributions exceed the annual limit        Your Account
                                                             Balance From:           Earns:
that has been set by the federal government. Changes in
                                                             $0–$1,999               2 percent interest
coverage during the year or enrollment after the begin-
ning of the year can affect your contribution limits.        $2,000–$4,999           3 percent interest
Contact your HSA custodian for more information.
                                                             $5,000 and over         4 percent interest




                                                            For example, if you have an HSA account balance of
                                                            $2,650, $1,999 of that balance earns 2 percent inter-
                                                            est and the rest of your balance—$651—earns 3
                                                            percent interest.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362             87
                When Company                                               To establish your initial contribution amount or to
                Contributions Are Made                                     change your contribution amount at any time, log on
                Annually, the Company will automatically deposit an ini-   to the WIRE or walmartbenefits.com and click on
                tial contribution equal to 20 percent of your Freedom      Benefits Online Enrollment. If you need help setting up
                Plan Annual Deductible into your health savings account    your payroll deductions, please contact Benefits
                during the first pay period ending in January, or during    Customer Service at (800) 421-1362.
                the next pay period after Wal-Mart receives confirmation
                from your HSA custodian that you have opened your          If You Are Age 55 or Older
                health savings account.The Company will also match         If you are age 55 and older, you can make additional
                $1 for every $1 that you contribute through payroll        contributions to your health savings account.These are
                deductions each pay period, up to the Company match        called catch-up contributions and can be made by pay-
                limit for your coverage option, as shown in the chart      roll deductions just like your normal contribution. For
                Your Contributions and the Company’s Contributions         2008, the catch-up contribution maximum is $900.
                to the Health Savings Account.
                                                                           If you also cover your spouse under the Freedom Plan
                                                                           and your spouse is age 55 or older, he or she may also be
                Establishing and Changing Your
                Contribution Amount                                        eligible to open a second health savings account and
                                                                           contribute catch-up contributions.The Company will not
                Payroll deductions will not be taken from your payroll
                                                                           contribute funds or pay any fees associated with the
                check until after you complete your payroll deduction
                                                                           health savings account for your spouse. Please call the
                selection online and Wal-Mart receives confirmation
                                                                           HSA Solution Contact Center at (800) 358-3494 for
                from your HSA custodian that you have opened your
                                                                           information on how to open a second health savings
                health savings account.You may change your contribu-
                                                                           account for your spouse.
                tion amount online at any time during the year on a
                going-forward basis.




88   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Paying Expenses Through                                     Investing Your
Your Health Savings Account                                 Health Savings Account
All funds in your health savings account belong to you      Mellon and U.S. Bank both offer investment options
and you may use the funds for whatever you choose.          within your health savings account. Once your account
However, any funds that are not used for qualified med-      has reached a particular balance, any amount over that
ical expenses will be subject to income taxes and a 10      balance can be invested in the mutual funds offered at
percent tax penalty if you are under the age of 65.         no additional cost. Contact your HSA custodian for
                                                            more information.
Qualified medical expenses generally include medical,
dental, and vision expenses, chiropractic care, and         If You Leave the
acupuncture. Please visit walmartbenefits.com or             Company or Are No Longer
www.hsamember.com or www.myhsa.usbank.com to                Enrolled in the Freedom Plan
view examples of items generally considered to be med-
                                                            The funds in your health savings account belong to
ical expenses under the Internal Revenue Code (I.R.C.§
                                                            you as the account holder, even if you enroll in COBRA,
213(d)). If you have questions about qualified medical
                                                            change plan options, change jobs, or leave the




                                                                                                                      Health Savings Account
expenses, please contact your HSA custodian, Mellon or
                                                            Company. In these events (except changing plan
U.S. Bank.
                                                            options), all fees associated with the account will
                                                            become your responsibility.
Filing Your Income Tax Return
Each January you will receive a 1099 Form for any distri-
butions you receive from your health savings account in
the previous calendar year.You should save all of your
medical expense receipts for income tax purposes.
Please consult with a tax advisor or your HSA custodian.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362           89
The Pharmacy Benefit

 Where Can I Find?
 The Pharmacy Benefit for Value and Freedom Plan Participants . . . . . . . . . . . . . . . . . . . . 92
 How the Pharmacy Benefit Works . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 92
 Pharmacy Discounts for Non-Covered Prescriptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 94
 Filing a Pharmacy Benefit Claim. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 95
                                         2008 Wal-Mart Associate Benefits Book




The Pharmacy Benefit
Prescription drugs play a crucial role in treating illnesses and, for many of us, maintaining good
health. When Value and Freedom Plan participants purchase prescription drugs or over-the-
counter drugs from WMS/NextRx Network retail or mail-order pharmacies, they take advantage
of discounted Network prices. A 34-day supply of eligible generic drugs costs only a $4 Copay
for Value Plan participants and for Freedom Plan participants who have met their Annual
Deductible.The Pharmacy Benefit helps you get better and stay healthy.


Pharmacy Benefit Resources
Find What You Need                   Online                                 Other Resources

• Find a Network pharmacy            Go to the WIRE or                      Call WMS/NextRx at
• Get the list of                    walmartbenefits.com                     (877) 850-0185
  Preferred Brand Name Drugs




                                                                                                                 The Pharmacy Benefit
Get the list of medications          Go to the WIRE or                      Call WMS/NextRx at
that require the collection of       walmartbenefits.com                     (877) 850-0185
additional information




What You Need to Know About the Pharmacy Benefit
• The Pharmacy Benefit applies to the Value Plan and the Freedom Plan. Associates enrolled in an HMO Plan
  receive pharmacy benefits through their HMO.
• You must use a Network pharmacy or no benefits will be paid.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362     91
                The Pharmacy Benefit for Value                                                How the
                and Freedom Plan Participants                                                Pharmacy Benefit Works
                The Associates’ Medical Plan covers eligible prescriptions                   • As a Value Plan participant, you can purchase eligi-
                from both retail and mail order Network pharmacies.You                         ble prescriptions by paying the Copays shown in the
                are entitled to prescription coverage the date your med-                       Value Plan Pharmacy Benefit chart. Your Associates’
                ical coverage is effective.You should present your                             Medical Plan health care credit may not be used to
                Pharmacy or Benefits ID card at a Network pharmacy.                             purchase prescriptions.
                You must use a Network pharmacy or no benefits will                           • As a Freedom Plan participant, you will pay full price
                be paid. Visit walmartbenefits.com to find                                       for your prescriptions until you meet your medical
                information about:                                                             Annual Deductible. Once you have met your medical
                                                                                               Annual Deductible, you will pay the Copays shown in
                • Retail Network pharmacies;
                                                                                               the Freedom Plan Pharmacy Benefit chart.
                • Mail order Network pharmacies; and
                                                                                             For both Value Plan and Freedom Plan participants, once
                • Preferred Brand Name and Non-Preferred Brand
                                                                                             the medical Out-of-Pocket Maximum is reached, eligible
                  Name Drugs.
                                                                                             prescriptions will be paid at 100%.
                You can also call WMS/NextRx at (877) 850-0185.




                 The Value Plan Pharmacy Benefit
                 Value Plan participants can purchase eligible prescriptions by paying the Copays below.
                 Your Associates' Medical Plan health care credit may not be used to purchase prescriptions.
                 The Copays will be applied toward the annual medical Out-of-Pocket Maximum.

                 Retail Prescriptions
                 Each Copay covers up to a 34-day supply of an eligible prescription. Refills are available after 66 percent of your
                 previous prescription for the same drug has been used.

                 Generic Drugs                                                               $4


                 Preferred Brand Name Drugs                                                  $30 or 20 percent of the allowed cost1, whichever is greater


                 Non-Preferred Brand Name Drugs                                              $50 or 20 percent of the allowed cost1, whichever is greater

                 Mail Order Prescriptions
                 If you order 1-34 days of medication through the mail, you will pay the retail Copay amounts.You are unable to order 35-69 days
                 of medication through the mail. If you order 70-90 days of medication through the mail, you will pay the mail order Copay
                 amounts.

                 Generic Drugs                                                               $8


                 Preferred Brand Name Drugs                                                  $60 or 20 percent of the allowed cost1, whichever is greater


                 Non-Preferred Brand Name Drugs                                              $100 or 20 percent of the allowed cost1, whichever is greater

                 1
                 The allowed cost of a drug is determined by the Associates' Medical Plan.




92   For more information, log on to walmartbenefits.com, 24/7 or
                                                        2008 Wal-Mart Associate Benefits Book




Your Copay will never be more than the cost of the                           Preferred Brand Name Drug—A drug that has been
drug submitted to the plan. If the cost is less than the                     evaluated for safety and effectiveness when compared
Copay, you will be charged either the retail Network                         to similar drugs and that is on a continually updated list
rate or the Usual, Customary and Reasonable price                            of drugs encouraged to be used for treatment of dis-
that is charged by the retail pharmacies under their                         eases and the promotion of health. For a list of Preferred
agreement with the Associates’ Medical Plan’s pharma-                        Brand Name Drugs, visit walmartbenefits.com.
cy benefits manager, WMS/NextRx. The Copay for a
                                                                             Non-Preferred Brand Name Drug—A drug that is not
compound prescription will be determined by the
                                                                             on a Preferred Brand Name Drug list. For more informa-
primary ingredient of the compound.
                                                                             tion, visit walmartbenefits.com.
Types of Drugs                                                               Specialty Drug—Specialty drugs are pharmaceuticals
Generic Drug—When a brand name drug’s patent                                 that target and treat specific chronic or genetic condi-
expires, generic versions of the drug may become avail-                      tions. Specialty drugs include biopharmaceuticals (bio-
able. Generic versions work like the brand name drug in                      engineered proteins), blood-derived products, and com-
dosage, strength, performance and use, and must meet                         plex molecules.They are available in oral, injectable, or
the same quality and safety standards. All generic drugs                     infused forms.




                                                                                                                                             The Pharmacy Benefit
must be reviewed by the FDA. For more information, visit
walmartbenefits.com.



 The Freedom Plan Pharmacy Benefit
Freedom Plan participants will pay full price for prescriptions until the medical Annual Deductible is met.
Once the medical Annual Deductible is met, the Copays shown below will apply.The Copays will be applied
toward the annual medical Out-of-Pocket Maximum.

Retail Prescriptions
Each Copay covers up to a 34-day supply of an eligible prescription. Refills are available after 66 percent of your previous
prescription for the same drug has been used.

Generic Drugs                                                                $4


Preferred Brand Name Drugs                                                   $30 or 20 percent of the allowed cost1, whichever is greater


Non-Preferred Brand Name Drugs                                               $50 or 20 percent of the allowed cost1, whichever is greater

Mail Order Prescriptions
If you order 1-34 days of medication through the mail, you will pay the retail Copay amounts.You are unable to
order 35-69 days of medication through the mail. If you order 70-90 days of medication through the mail, you will pay
the mail order Copay amounts.

Generic Drugs                                                                $8


Preferred Brand Name Drugs                                                   $60 or 20 percent of the allowed cost1, whichever is greater


Non-Preferred Brand Name Drugs                                               $100 or 20 percent of the allowed cost1, whichever is greater

1
 The allowed cost of a drug is determined by the Associates' Medical Plan.




                             Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                            93
                Eligible Diabetic and Allergy Supplies                       Pharmacy Discounts
                Eligible diabetic and allergy supplies are covered           for Non-Covered Prescriptions
                through The Pharmacy Benefit.You may submit your              Associates enrolled in the Associates’ Medical Plan are
                supply claims on paper forms to WMS/NextRx. If it is an      eligible to participate in the Pharmacy Discount.The
                eligible claim, it will be paid in accordance with Plan      Pharmacy Discount allows participants to use their phar-
                terms through The Pharmacy Benefit. Please call               macy or Benefits ID card to receive, on average, a 20 per-
                WMS/NextRx at (877) 850-0185 to obtain a claim form          cent discount on all prescriptions not covered under the
                or visit the WIRE or walmartbenefits.com.Your claim           Pharmacy Benefit. Actual discounts may vary from the 20
                will be processed according to the terms set out in the      percent average, depending on the prescription. Any
                Claims and Appeals chapter.                                  prescriptions purchased with the Pharmacy Discount will
                                                                             not count toward the medical Annual Deductible or
                Medications That Require                                     Out-of-Pocket Maximum.
                Additional Information
                                                                             To use the Pharmacy Discount, present your pharmacy
                Certain medications require the collection of
                                                                             or Benefits ID card to the pharmacist. If the prescription
                additional information by WMS/NextRx before the
                                                                             is covered by the Pharmacy Benefit, the corresponding
                medication is covered by the Pharmacy Benefit. A
                                                                             Copay will apply. If the prescription is not covered by
                list of these medications can be found on the WIRE or
                                                                             the Pharmacy Benefit, the Pharmacy Discount will auto-
                walmartbenefits.com. If this information is not col-
                                                                             matically discount the cost of the drug. If the prescrip-
                lected at the time you fill your prescription, you may
                                                                             tion is covered under the AMP but is being filled too
                still choose to have the prescription filled, but you will
                                                                             soon, prescribed for off-label use, or does not follow
                be responsible for 100 percent of the cost. If you
                                                                             other similar plan terms, the Pharmacy Discount will
                fill the prescription at your own expense, or if you
                                                                             not apply. Contact WMS/NextRx at (877) 850-0185 for
                disagree with the amount you paid, you may file a
                                                                             more information.
                claim with WMS/NextRx. If it is an eligible claim, it
                will be paid in accordance with Plan terms through
                the Pharmacy Benefit. Please call WMS/NextRx at
                (877) 850-0185 to obtain a claim form or visit
                the WIRE or walmartbenefits.com. Your claim will be
                processed according to the terms set out in the
                Claims and Appeals chapter.




94   For more information, log on to walmartbenefits.com, 24/7 or
                                              2008 Wal-Mart Associate Benefits Book




Filing a Pharmacy Benefit Claim
When you use a Network pharmacy or the mail order
service, you will not need to file a claim. However, if you
are unable to use your card at a Network pharmacy or if
you disagree with the amount you paid, you may file a
claim in writing with WMS/NextRx. If it is an eligible pre-
scription, it will be paid in accordance with plan terms
through the Pharmacy Benefit. Please call WMS/NextRx
at (877) 850-0185 to obtain a claim form or visit
the WIRE or walmartbenefits.com.Your claim will be
processed according to the terms set out in the
Claims and Appeals chapter.

You will have a right to appeal a denied claim.Your
appeal will be processed according to the terms set our
in the Claims and Appeals chapter.




                                                                                                                 The Pharmacy Benefit
The Pharmacy Plan does not coordinate benefits with
respect to prescription drug claims. If any portion of a
prescription drug claim is paid by another health plan or
insurance provider, the Plan will not pay any amount of
the pharmacy benefit claim.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362     95
The Dental Plan

 Where Can I Find?
 Your Dental Plan Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 98
 How the Dental Plan Works . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 98
 Filing a Dental Plan Claim. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100
 When Dental Coverage Ends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100
 What’s Covered Under the Dental Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 101
 Limited Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 103
 What is Not Covered Under the Dental Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 104
                                             2008 Wal-Mart Associate Benefits Book




The Dental Plan
The Dental Plan provides coverage for a wide range of dental services.The plan also offers you
the option to use a Delta Dental Network dentist and pay less for care.Your teeth are an impor-
tant part of your overall health.You pay no deductible for preventive and orthodontic services
and when you use Network dentists, you’ll save money on dental care costs while protecting
one of your most valuable personal and professional assets—your smile.

The Dental Plan Resources
Find What You Need                      Online                                      Other Resources

Get a listing of                        www.deltadental.com or                      Call Delta Dental at
Delta Dental Preferred (PPO)            on the WIRE, select the “Life” tab then     (800) 462-5410 or
and Delta Dental Premier dentists       “My Health” then “Network Directories” or
                                                    ,                               The Benefits Department at
                                        walmartbenefits.com, select                  (800) 421-1362
                                         the “My Health” tab then “Dental Network
                                        Directories”




                                                                                                                     The Dental Plan
Get answers to questions                www.deltadentalar.com and select            Delta Dental at (800) 462-5410
about your dental claims and            “Subscriber” to create your account
to call Delta Dental Customer Service



Get a claim form if you                 on the WIRE, select the “Life” tab or
use a nonparticipating dentist          walmartbenefits.com, select
                                        the “My Health” tab




What You Need to Know about the Dental Plan
• Dental Plan coverage is available to Full-Time hourly associates, Full-Time Truck Drivers, and management
  associates and their Eligible Dependents.
• Dental Plan coverage remains in effect for two full calendar years.
• Major care and orthodontia assistance are covered after a 12-month waiting period.
• Once you meet the Annual Deductible, the plan pays benefits of up to $1,100 per covered person and a
  lifetime maximum orthodontia benefit of $750 per covered person. The Annual Deductible does not apply
  for preventive or orthodontic services.
• Claims are reviewed by dental consultants to help assure that the treatment provided meets the guidelines
  of this policy.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362         97
                Your Dental Plan Options                                       How the Dental Plan Works
                As a Full-Time hourly associate, Full-Time Truck Driver, or    The Dental Plan covers four types of dental services:
                management associate, you are eligible to enroll in the
                                                                               • Preventive and diagnostic care: you do not have to
                Dental Plan.
                                                                                 meet the Annual Deductible ($50 per person/$150
                Please note that once you enroll in the Dental Plan, your        maximum deductible per family) before benefits for
                coverage must remain in effect for two full calendar             preventive and diagnostic care begin. However,
                years. For example, if you enroll on July 1, 2007, your cov-     charges you incur for preventive and diagnostic care
                erage must remain in effect until December 31, 2009.You          will not apply toward your Annual Deductible.
                can add or remove an Eligible Dependent during the             • General care includes fillings, non-surgical periodon-
                Annual Enrollment period or due to a Status Change               tics, and root canal therapy and is covered after you
                Event (see the Eligibility and Enrollment chapter).              meet the Annual Deductible.
                However, you must maintain a minimum of associate-
                                                                               • Coverage for major care, which includes surgical
                only coverage for two full calendar years.
                                                                                 periodontics, crowns and dentures, begins after you
                When you enroll in the Dental Plan, you also select the          have participated in the Dental Plan for 12 months
                eligible family members you wish to cover:                       and have met the Annual Deductible.
                                                                               • Orthodontia assistance coverage begins after you
                • Associate Only
                                                                                 have participated in the Dental Plan for 12 months;
                • Associate + Spouse                                             you do not have to meet the Annual Deductible
                • Associate + Children                                           before receiving benefits for orthodontia care.
                • Family                                                         However, charges you incur for orthodontia care will
                                                                                 not apply toward your Annual Deductible.
                For information on dependent eligibility and when
                dependents can be enrolled, see the Eligibility and            After you have met the Annual Deductible (if applica-
                Enrollment chapter.                                            ble for the service you received) and completed any
                                                                               applicable waiting periods, the Plan pays a percent-
                The Dental Plan benefit is self-insured. Self-insured           age of the Maximum Allowable Charge (MAC) for
                means that there is no insurance company to collect pre-       Covered Expenses.
                miums or pay bills. Instead, participating associates make
                contributions each pay period to cover a portion of the        The MAC is the maximum amount of payment for cov-
                cost of the dental benefit and the Company or the Plan’s        ered services based on the applicable reimbursement
                trust pays the rest. Claims are processed by Delta Dental      schedules as determined by Delta Dental. Delta Dental
                of Arkansas, Inc.                                              Network providers (Delta Dental Preferred (PPO) and
                                                                               Delta Dental Premier dentists) agree to accept the MAC
                                                                               as payment in full, subject to the Annual Deductible and
                                                                               Coinsurance amounts. Non-Network providers may
                                                                               charge more than the MAC.You will be responsible for
                                                                               any amount charged above the MAC.

                                                                               The Plan pays benefits for Covered Expenses until you
                                                                               reach the maximum benefit limit, which is $1,100 per
                                                                               covered person per calendar year.

                                                                               This does not apply to orthodontia assistance which has
                                                                               a separate lifetime maximum benefit of $750 per cov-
                                                                               ered person.




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Know What You’ll Owe:                                         Save Money by
Get a Pretreatment Estimate                                   Using Network Dentists
You can find out how much the Dental Plan will pay for         As a Dental Plan participant, you can use any dentist and
a procedure before the dental work is done by having          receive benefits for Covered Expenses under the plan.
your dentist submit a pretreatment estimate to Delta          However, you will save money and time when you use
Dental. Delta Dental will inform you of the amount that       Delta Dental Preferred (PPO) or Delta Dental Premier
will be covered under the plan and suggest an alternate       dentists.You’ll save money because Network dentists will
treatment plan if a part of your dentist’s initial treat-     not charge more than the MAC for their services and
ment plan is ineligible for coverage. Mail pretreatment       also provide Delta Dental participants with discounted
estimates to:                                                 prices.You’ll save time because Network dentists will
                                                              often file your claims for you.
Delta Dental of Arkansas
P.O. Box 15965                                                The Delta Dental Preferred (PPO) Network of dentists is
North Little Rock, AR 72231-5965
                                                              available in some states.To find a Delta Dental Preferred
You still must file a claim under the procedures set out in    (PPO) or Delta Dental Premier dentist near you, see
the Claims and Appeals chapter.This is not a guarantee        Dental Plan Resources at the beginning of this chapter.
of payment.




                                                                                                                          The Dental Plan
 Dental Plan Benefits
 Annual Deductible                           $50 per person/$150 maximum Annual Deductible per family

 Maximum Benefits                             $1,100 per covered person per calendar year.
                                             This does not apply to orthodontia assistance.

                                             Delta Dental Preferred      Delta Dental Premier     Non-Network Dentists
                                             (PPO) Dentists              Dentists

 Preventive and Diagnostic Care              100 percent covered;        80 percent of MAC;       80 percent of MAC;
                                             no Annual Deductible        no Annual Deductible     no Annual Deductible
                                             applies                     applies                  applies

 General Care                                80 percent of MAC after Annual Deductible is met

 Major Care (12-month wait)                  70 percent of MAC after Annual Deductible is met

 Orthodontia Assistance (12-month wait)      80 percent of MAC up to $750 lifetime maximum orthodontia benefit per
                                             person; no Annual Deductible applies



 It Pays to Use Network Dentists
                                                                 Delta Dental
                                                                 Preferred (PPO)     Delta Dental       Non-Network
                                                                 Dentists            Premier Dentists   Dentists
 Dentist often files claim forms for you                          Yes                 Yes                No

 Dentist accepts the MAC (Maximum Allowable Charge)              Yes                 Yes                No
 as payment in full, subject to Annual Deductible and
 Coinsurance amounts

 Dentist offers discounted prices for                            Yes                 Yes                No
 Delta Dental participants




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362             99
                 Filing a Dental Plan Claim                                     See the Eligibility and Enrollment chapter for a com-
                                                                                plete list of e vents that may cause coverage to end.
                 If you use a Delta Dental Network dentist, your dentist
                                                                                See the COBRA chapter for information regarding
                 will often file the claim for you. If you use a non-Network
                                                                                COBRA Continuation Coverage.
                 dentist, you may need to file a claim.The dentist may be
                 paid directly from the Dental Plan if the dentist is a Delta
                                                                                If You Leave the Company
                 Dental Network dentist. If you use a non-Network den-
                 tist, the payment will be made to you.                         If you leave the Company, you may be entitled to
                                                                                continue your dental coverage under COBRA. For more
                 You or your dental provider must file a claim within 12         information, see the COBRA chapter.
                 months (18 months if you have other Dental Plan cover-
                 age and must coordinate benefits with your other plan)          If you return to an Actively-At-Work status for the
                 or your claim will be denied. Please mail your claim to:       Company within 30 days, you will automatically be re-
                                                                                enrolled for the same coverage options you had when
                 Delta Dental of Arkansas                                       you left.Your time previously enrolled will apply toward
                 P.O. Box 15965
                                                                                your one-year waiting period for major care and ortho-
                 N. Little Rock, AR 72231-5965
                                                                                dontia assistance if it has not already been satisfied.
                 Failure to mail your claim to the correct address may
                                                                                You will be credited for amounts already paid toward
                 result in the denial of your claim.
                                                                                your Annual Deductible, and the time you were enrolled
                 Claims will be determined under the time frames and            will count toward applicable one-year waiting periods.
                 requirements set out in the Claims and Appeals chap-
                                                                                If you do not return to an Actively-At-Work status for the
                 ter.You have the right to appeal a claim denial. See the
                                                                                Company within 30 days, you will be considered newly
                 Claims and Appeals chapter for more information.
                                                                                eligible and will be subject to applicable waiting periods
                                                                                and limitations mentioned earlier in this chapter and in
                 If You or a Family Member Has Coverage
                 Under More Than One Dental Plan                                the Eligibility and Enrollment chapter, unless you had
                                                                                COBRA coverage during the entire period you were gone.
                 If you have coverage under more than one Dental
                 Plan—for example, you have coverage under the AHWP
                                                                                If You Are on a Leave of Absence
                 and your spouse’s employer’s Dental Plan—the coordi-
                 nation of benefits provisions described in If You Have          You may continue your coverage up to the last day
                 Coverage Under More Than One Health Care Plan in               of an approved Leave of Absence, provided you pay
                 the Medical chapter apply to and govern the coordina-          your premiums.
                 tion of dental coverage benefits. Dental benefits will not       If your coverage is canceled due to nonpayment of pre-
                 exceed annual or lifetime maximums.                            miums and you return to Actively-At-Work status within
                                                                                one year, you will automatically be enrolled for the same
                 When Dental Coverage Ends                                      coverage options.You will be credited for amounts
                 Your coverage and your dependent’s coverage ends on            already paid toward your Annual Deductible, and the
                 your last day of employment. All benefits cease on the          time you were enrolled will count toward applicable
                 date coverage ends, except for completion of operative         one-year waiting periods.Your coverage will be effective
                 procedures in progress at the time coverage ends.              the first day of the pay period that you meet the Actively-
                 Operative procedures are defined as, and limited to, indi-      At-Work requirement. If you return after one year, you
                 vidual crowns, dentures, and bridges and are considered        will be considered newly eligible and you will have a
                 in progress only if all procedures for commencement of         one-year wait for major care and orthodontia assistance.
                 lab work have been completed and all operative proce-          Special rules may apply if you are on or return from
                 dures are completed within 45 days of termination.             an FMLA or Military Leave of Absence. See the
                                                                                Eligibility and Enrollment chapter for more information.




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What’s Covered                                                General Care
Under the Dental Plan                                         After you meet the Annual Deductible,
The Dental Plan covers the services listed in this section.   the Plan pays 80 percent of the Maximum Allowable
There are some limitations. If you have any questions         Charge (up to the maximum benefit) for general care.
about what is and what is not covered under the plan,
                                                              Amalgam Fillings: Benefits are payable once per tooth
please call Delta Dental at (800) 462-5410.
                                                              surface in any consecutive 24-month period.

Preventive and Diagnostic Care                                Composite Resin Fillings: Restorations that involve
Preventive and diagnostic care is covered without hav-        either the mesial or distal surface will be considered sin-
ing to meet the Annual Deductible.                            gle-surface restorations unless the incisal angle is also
                                                              involved. Benefits for the replacement of an existing com-
Bitewing or Periapical X-Rays: Up to four X-rays in any       posite resin filling are payable only if at least 24 months
12-month period. Additional periapical X-rays are cov-        have passed since the existing filling was placed. Benefits
ered when ordered in conjunction with palliative treat-       for composite resin fillings for molar teeth will be based
ment or emergency exams. Bitewing X-rays are not a            on the benefit for the corresponding amalgam filling.
benefit when done within 12 months of a full-mouth
series X-rays. Only one periapical X-ray will be allowed on   Endodontics: Includes pulp therapy and root canal ther-
the same day as a root canal. Any additional periapicals      apy. See Root Canal Therapy in Limited Benefits later




                                                                                                                            The Dental Plan
will be disallowed.                                           in this chapter.

Complete Mouth Survey or Panoramic X-Rays:                    Extractions: Simple extractions.
Limited to one procedure in any 60-month period.
                                                              Periodontic Maintenance: Periodontal prophylaxis is
A full-mouth series is any combination of 10 or
                                                              covered only if done 180 days after the completion of
more periapical and/or bitewing X-rays taken on
                                                              active periodontal treatment.Thereafter, periodontal
the same date.
                                                              prophylaxis is allowed once every 180 days.
Cleaning (dental prophylaxis): One prophylaxis, includ-
                                                              Prescription Drugs and Medicines: Written for dental
ing cleaning, scaling, and polishing of the teeth, is cov-
                                                              purposes and dispensed by a licensed pharmacist.
ered twice during a calendar year.

Fluoride Treatment: Covered once in any 12-month              Major Care
period for participants under age 19.                         Coverage for major care is available after you complete a
                                                              12-month waiting period as a participant in the Dental
Oral Evaluation: Two oral evaluations during a calendar
                                                              Plan. After you meet the Annual Deductible, the Plan
year. Coverage amount will be based on the amount
                                                              pays 70 percent of the Maximum Allowable Charge (up
payable for a periodic oral evaluation. Emergency evalu-
                                                              to the maximum benefit) for major care.
ations performed by dentists are not subject to the cal-
endar year restriction, provided no other services            Crowns, Cast Restorations, Inlays, and Onlays:
(excluding periapical X-rays) were administered that day.     Covered only when the tooth cannot be restored by
                                                              amalgam or composite resin filling.
Sealants: Covered for unrestored occlusal surface, first
and second permanent molars for participants under age        • Replacement will not be covered unless the existing
19. Limited to one treatment per tooth every five years.         crown, cast restoration, inlay, or onlay is more than
                                                                seven years old and cannot be repaired. NOTE:
Space Maintainers: Covered for participants under
                                                                Accidents as a result of biting or chewing are not
age 19.
                                                                an exception to the seven-year wait for crown
                                                                replacements.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              101
                 • Crown benefits are based on the amount payable                Implants:
                   for predominantly base metal substrates.
                                                                                Endosteal implants are covered once in a
                 • For participants under age 19, benefits for
                                                                                lifetime per tooth
                   crowns on vital teeth are limited to resin or
                   stainless steel crowns.                                      The surgical placement of an implant body is covered
                 • Treatment is determined according to the alternate           once in every seven consecutive year period
                   treatment plan limitation. See Alternative Treatment
                                                                                The abutment to support a crown is covered once in
                   Plan Limitation in Limited Benefits later in this
                                                                                every seven consecutive year period
                   chapter.
                 Complete and Partial Removable Dentures: When                  An implant supported retainer is covered once in every
                 alternate treatment plans are available, the Plan will         seven consecutive year period
                 cover the least costly professionally satisfactory course of
                                                                                Implant maintenance procedure is covered once in any
                 treatment. For example, a bridge will be allowed only
                                                                                12 consecutive months
                 when a partial denture will not suffice.
                                                                                Implant removal is covered once in a lifetime per tooth
                 General Anesthetics and IV Sedation: Provided for
                 eligible participants:                                         Oral Surgery: Surgical extractions and extractions of
                                                                                wisdom teeth. Includes preoperative and postoperative
                 • Under age four; or
                                                                                care, except for those services covered under the
                 • In connection with certain covered oral surgical             Associates’ Medical Plan. Oral sedation and/or nitrous
                   procedures; or                                               oxide (analgesia) is not covered.
                 • When Medically Necessary.
                                                                                Outpatient or Inpatient Hospital Costs and
                                                                                Additional Fees Charged by the Dentist for Hospital
                                                                                Treatment: See Hospital Charges in Limited Benefits
                                                                                later in this chapter. All charges and fees are subject to
                                                                                the $1,100 maximum benefit per participant.

                                                                                Partial Fixed Bridgework: See Prosthetics and
                                                                                Alternative Treatment Plan Limitation in Limited
                                                                                Benefits later in this chapter.

                                                                                Surgical Periodontics: Treatment of the gums. Osseous
                                                                                surgery/soft tissue graft, provided in same arch once in
                                                                                any consecutive 36-month period.




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Orthodontia Assistance                                       Limited Benefits
After you have been a participant in the Dental Plan for     Alternate treatment plans: When alternate treatment
12 months, you are eligible for orthodontia assistance for   plans are available, the Plan will cover the least costly
yourself (the associate), your spouse, and your Eligible     professionally satisfactory course of treatment.
Dependent children under age 19, or up to their 23rd
birthday if they are a full-time student. Benefits are paid   Hospital Charges: Outpatient or inpatient Hospital
at 80 percent of the MAC, up to a lifetime benefit of $750    charges and any additional fees charged by the dentist
per person for both Network (Delta Dental Preferred and      are covered if incurred in conjunction with covered den-
Delta Dental Premier) and non-Network dentists. Keep in      tal treatment and if a medical condition requires that the
mind that a non-Network dentist may bill you for             treatment be provided in a Hospital. Emergency room
amounts above MAC, while a Network dentist agrees to         charges incurred for tooth pain or an abscessed tooth
accept MAC as payment in full, subject to Annual             are covered. If such charges or fees are incurred, then the
Deductible and Coinsurance amounts.                          dentist will be paid first.

If the dentist submits a statement at the beginning of a     Prosthetics: The Plan covers the replacement or addi-
period of orthodontic treatment showing a single             tion of teeth to dentures, partials, or fixed bridgework
charge for the entire treatment, benefits will be paid in     when needed if additional functional teeth are extracted
the following manner:                                        while coverage is in effect.




                                                                                                                           The Dental Plan
• The dentist will receive an initial payment of up          • A denture that replaces another denture or fixed
  to $150.                                                     bridge, or a fixed bridge that replaces another fixed
                                                               bridge, will not be covered until you have been cov-
• A pro-rated portion of the remainder will be paid
                                                               ered under the Plan for two continuous years.
  every three months based on the estimated period
  for treatment and on continued eligibility.                • The replacement of a complete or partial denture
                                                               will be covered only if the existing denture or partial
• The amount and number of payments are subject to
                                                               is at least five years old and cannot be repaired.
  change if the charge or treatment period changes.
                                                             • The replacement of a fixed bridge will be covered
There are certain orthodontia assistance benefits that
                                                               only if the existing bridge is at least seven years old
are not covered. See What is Not Covered Under the
                                                               and cannot be repaired.
Dental Plan later in this chapter.
                                                             Root Canal Therapy: Includes bacteriological cultures,
                                                             diagnostic tests, local anesthesia, and routine follow-up
                                                             care. Payable once per tooth.

                                                             Only one periapical X-ray will be allowed on the
                                                             same day as a root canal. Any additional periapicals
                                                             will be disallowed.

                                                             Therapeutic pulpotomy is payable for deciduous
                                                             teeth only.

                                                             Retreatment of a previous root canal is allowed once in a
                                                             24-month period.

                                                             Surgical/Nonsurgical Periodontics: Provided once in
                                                             any consecutive 36-month period.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              103
                 Transfer of Treatment: If you transfer from the care of       Initial Placement of Partial or Full Removable
                 one dentist to another during the course of treatment,        Dentures and Fixed Bridges: When replacing a tooth or
                 or if more than one dentist renders services for one          teeth which were missing prior to the effective date of
                 dental procedure, the Plan will pay no more than the          the participant’s coverage.
                 amount it would have paid if only one dentist had
                                                                               Major Care: Services listed under the Major Care
                 rendered services.
                                                                               section during the first consecutive 12 months that a
                 What is Not Covered                                           participant is covered under the Dental Plan.
                 Under the Dental Plan                                         Oral Sedation: Oral sedation and/or nitrous oxide (anal-
                 Accidental Injury to Sound Natural Teeth: These serv-         gesia) are not covered.
                 ices may be covered under the Medical Plan.This exclu-
                 sion does not apply to accidental injuries as a result of     Orthodontia: Orthodontia will not be covered if bands
                 biting or chewing; these charges may be covered under         were removed prior to eligibility, unless five years have
                 the Dental Plan.                                              elapsed before the placement of new bands.

                 Beyond the Scope of Licensure or Unlicensed:                  Orthodontia Care: Services in connection with treat-
                 Services rendered by a dentist beyond the scope of            ment for the correction of malposed teeth during the
                 his or her license, or any services provided by an unli-      first 12 consecutive months that a participant is covered
                 censed dentist.                                               under the Dental Plan.

                 Bridgework or Dentures: Repair, relining, or recement-        Periodontal Splinting: Charges for complete occlusal
                 ing of bridgework or dentures during the first 6-month         adjustments or stabilizing the teeth through the use of
                 postdelivery period, and such services received more          periodontal splinting.
                 often than once every 5 years.                                Permanent Restorations: Charges for bases, liners, and
                 Cosmetic Purposes: Services performed for cosmetic            anesthetics used in conjunction with permanent restora-
                 purposes or to correct congenital, hereditary, or             tions (fillings).
                 developmental malformations. This exclusion does              Restorations: Composite or acrylic restorations (fillings)
                 not apply to orthodontic services for the correction of       in molar teeth. (An allowance for amalgam restoration
                 malposed teeth.                                               will be provided.)
                 Experimental or Investigational: Charges for treatment
                 or services, including Hospital care, that is experimental,
                 investigational, or inappropriate.

                 Governmental Agency: Services provided or paid for by
                 any governmental agency or under any governmental
                 program or law, except charges for legally entitled bene-
                 fits under applicable federal laws.




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Retainers: Separate charges for retainers (appliances       Other Charges Not Covered
which are intended to retain orthodontic relationship) or   • Any procedure performed for a temporary purpose
harmful habit appliances such as thumb sucking or
                                                            • Charges in excess of Maximum Allowable Charge
tongue thrusting are not covered.
                                                            • Extraoral grafts
Services Undertaken Prior to Effective Date or
                                                            • Hypnosis or acupuncture
During the Waiting Period for Major Care or
                                                            • Oral hygiene instruction and dietary instruction
Orthodontia Services: Charges for courses of treatment,
including prosthetics and orthodontics, which were          • Full-mouth debridement (An allowance for prophy-
begun prior to the effective date of coverage or before       laxis, subject to the limitation, will be provided.)
you are eligible to receive benefits for major care or       • Plaque control programs
orthodontia services.                                       • Repair or replacement of an orthodontic appliance
Surgical Corrections: Charges for services related to the   • Replacement of a lost or stolen prosthetic device
surgical correction of:                                     • Services covered by the Associates’ Medical Plan

• Temporomandibular joint dysfunction (TMJ),                • Services for which there is no charge

• Orofacial deformities, and                                • Any other services not specifically listed as covered

• Specified oral surgery procedures covered by the           • Charges covered by Workers’ Compensation or




                                                                                                                     The Dental Plan
  Associates’ Medical Plan.                                   Employers’ Liability Laws

Tooth Structure: Services for restoring tooth structure     • Services provided by a member of the
lost from wear, for rebuilding or maintaining chewing         participant’s family
surfaces due to teeth out of alignment or occlusion, or     • Charges incurred as a result of war
for stabilizing the teeth.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362        105
COBRA

 Where Can I Find?
 COBRA—Continuing Medical and Dental Coverage After Coverage Ends. . . . . . . . . . 108
 COBRA Qualifying Events . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 109
 Paying for COBRA Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 110
 How Long COBRA Coverage Lasts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 111
 When COBRA Coverage Ends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 113
                                            2008 Wal-Mart Associate Benefits Book




COBRA
It’s important to maintain the financial protection your health care coverage provides for you
and your family. If you leave Wal-Mart or a covered family member is no longer eligible, you
have the option to continue medical and dental coverage through the continuation provisions
of the Consolidated Omnibus Budget Reconciliation Act (COBRA).The Plan contracts with
CONEXIS to administer COBRA. Pay attention to the COBRA notification and enrollment dead-
lines to take advantage of this one-time coverage continuation opportunity. Uninterrupted
medical coverage helps you live better today and prevents you from being subject to pre-exist-
ing condition limitations in a medical plan you may have access to in the future.


COBRA Resources
Find What You Need                      Online                                Other Resources

Contact the Benefits Department                                                Call (800) 421-1362
within 60 calendar days of a
divorce, legal separation, annulment,
or dependent ineligibility


• Contact CONEXIS,                      Go to www.CONEXIS.org                 Call (800) 570-1863




                                                                                                                    COBRA
  the COBRA administrator
• Pay your COBRA premium


Get the Starbridge Summary Plan
Description for information about
COBRA under that plan




What You Need to Know About COBRA
• If your or your Eligible Dependent’s coverage ends, you and/or your Eligible Dependents may be able to
  continue medical and dental coverage under COBRA.
• You or your Eligible Dependent must contact the Benefits Department within 60 calendar days of the following
  COBRA qualifying event to request COBRA continuation coverage or COBRA eligibility will be lost: divorce, legal
  separation, annulment, and dependent ineligibility.
• After you provide any required notice to the Benefits Department, you will receive a Notice of Enrollment Letter
  that will inform you of your right to continue coverage. You must notify CONEXIS within 60 calendar days from
  the date on the Notice of Enrollment letter if you want to continue coverage under COBRA.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362       107
                 COBRA—Continuing                                             If you have HMO coverage at the time your coverage as
                 Medical and Dental Coverage                                  an active associate ends, state coverage continuation
                 After Coverage Ends                                          rules may apply. If you have both state and COBRA con-
                                                                              tinuation rights, those continuation periods will run at
                 If you or your Eligible Dependent’s coverage under the
                                                                              the same time. For more information on state continua-
                 Plan ends, you and/or your Eligible Dependents may be
                                                                              tion rights, you should contact your HMO provider.
                 able to continue your medical and dental coverage
                 under the continuation provisions of the Consolidated        For more information regarding continuation of
                 Omnibus Budget Reconciliation Act (COBRA).This cover-        Starbridge coverage, please see the separate Summary
                 age is called “COBRA coverage.” An event that makes you      Plan Description for those plans provided by your
                 and/or your Eligible Dependents eligible for COBRA cov-      Starbridge insurance carrier.
                 erage is called a qualifying event.
                                                                              COBRA does not apply to Company-Paid Life Insurance,
                 You must have had medical or dental coverage on the          Optional Life Insurance, Dependent Life Insurance,
                 day prior to your qualifying event date to be eligible for   Short-Term Disability, Short-Term Disability Plus, Long-
                 COBRA coverage.You can only continue the same plan           Term Disability, Truck Drivers Long-Term Disability, or
                 and options you had on the day prior to your qualifying      Accidental Death and Dismemberment benefits. Non-
                 event date. If your coverage is canceled due to nonpay-      COBRA continuation rights are available for the Cancer
                 ment of premiums while you are still an active associate     Insurance Policy, the Accident Insurance Policy,
                 and then you terminate from the Company, you and any         Company-Paid Life Insurance, Optional Life Insurance,
                 Eligible Dependents are not eligible for COBRA except        and Dependent Life Insurance. See the
                 for special FMLA exclusions.                                 Cancer Insurance Policy, Accident Insurance Policy,
                                                                              Company-Paid Life Insurance, Optional Life
                 You do not have to show that you are insurable to
                                                                              Insurance, or Dependent Life Insurance chapters in
                 elect COBRA.
                                                                              this book for more information.
                 If you or an Eligible Dependent has other insurance
                 coverage, including Medicare, prior to enrolling in          If You Are on FMLA
                 COBRA, you and your dependents remain eligible to            In certain FMLA situations, you and any Eligible
                 enroll in COBRA.                                             Dependents will be offered COBRA when you terminate
                                                                              employment at the end of the leave period even if cov-
                                                                              erage was canceled due to nonpayment of premiums
                                                                              during the FMLA period. NOTE: If you were in an FMLA
                                                                              situation and coverage was cancelled due to non-pay-
                                                                              ment of premiums, you will only be eligible to continue
                                                                              coverage from your termination date forward. Coverage
                                                                              eligibility will not go back to your cancellation date.




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COBRA Qualifying Events                                    Contact the Benefits Department by calling
                                                           (800) 421-1362 or writing to:
You are eligible for COBRA if your coverage
ends because:                                              Wal-Mart Benefits Department
                                                           922 West Walnut, Suite A
• Your employment with Wal-Mart ends for any               Rogers AR 72756-3540
  reason; or
                                                           FEDERAL LAW PLACES RESPONSIBILITY UPON YOU
• You are no longer eligible for medical and/or dental
                                                           OR YOUR ELIGIBLE DEPENDENT(S) TO NOTIFY THE
  coverage because the number of hours you regularly
                                                           BENEFITS DEPARTMENT WITHIN 60 CALENDAR DAYS
  work for Wal-Mart has decreased.
                                                           OF A DIVORCE, LEGAL SEPARATION, ANNULMENT, OR
Your Eligible Dependents are eligible for COBRA if their   DEPENDENT INELIGIBILITY. IF YOU OR YOUR ELIGIBLE
coverage ends because:                                     DEPENDENT(S) DO NOT NOTIFY THE BENEFITS
• Your employment with Wal-Mart ends for any reason.       DEPARTMENT, YOU AND YOUR DEPENDENT(S) WILL
                                                           NOT BE ELIGIBLE FOR COBRA. YOU MUST ALSO NOTI-
• They are no longer eligible for medical and/or dental
                                                           FY THE COBRA ADMINISTRATOR, CONEXIS, OF A SEC-
  coverage because the number of hours you regularly
                                                           OND QUALIFYING EVENT OR DISABILITY IN ORDER
  work for Wal-Mart has decreased.
                                                           TO EXTEND THE PERIOD OF COBRA COVERAGE.
• You and your spouse divorce or legally separate, or      OTHER FORMS OF NOTICE WILL NOT BIND THE PLAN.
  your marriage is annulled.                               IF TIMELY NOTICE IS NOT PROVIDED, COBRA CONTIN-
• Your dependent children no longer meet eligibility       UATION RIGHTS WILL EXPIRE.
  requirements.




                                                                                                                         COBRA
                                                           If you or your Eligible Dependent(s) do not notify the
• You die (dependents would be eligible).
                                                           Benefits Department, you and your dependent(s) will not
If you or your Eligible Dependent has a qualifying event   be eligible for COBRA.
of divorce, legal separation, annulment, and dependent
ineligibility, you or your Eligible Dependent must con-    You must also notify the COBRA administrator, CONEXIS,
tact the Benefits Department within 60 calendar days of     of a second qualifying event or disability in order to
the event and state that you are calling to request        extend the period of COBRA coverage. Other forms of
COBRA continuation coverage due to a qualifying event.     notice will not bind the plan. If timely notice is not pro-
You must provide the following information:                vided, COBRA continuation rights will expire.

• Your name                                                For termination of employment, reduction in hours that
                                                           results in the loss of medical and/or dental coverage, or
• Name of covered participant (if different)
                                                           death of an associate, the Company will provide notice
• Address of covered participant (if different)            to CONEXIS, the COBRA Administrator, within 30 calendar
• Name of the dependent, if any                            days of the event.
• Qualifying event
                                                           COBRA is provided subject to your eligibility for cover-
• Date of qualifying event                                 age under the law and the Associates’ Health and
                                                           Welfare Plan.The Plan Administrator reserves the right to
                                                           terminate your continuation coverage retroactively if
                                                           you are later determined to be ineligible.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            109
                 Once notice is received from either you or the Company,      Paying for COBRA Coverage
                 CONEXIS will send a letter (Notice of Enrollment) to you
                                                                              You and/or your Eligible Dependents will be responsible
                 and your Eligible Dependents within 14 calendar days to
                                                                              for both the associate portion of the premium and the
                 your last known address.This letter will offer you the
                                                                              amounts that were previously paid by the Company, plus
                 opportunity to continue medical and/or dental cover-
                                                                              a 2 percent administrative fee (50 percent administrative
                 age. If you or your Eligible Dependents do not receive
                                                                              fee in cases of the 11-month disability extension).The
                 the Notice of Enrollment letter within 14 days, call
                                                                              Notice of Enrollment letter sent to you and your Eligible
                 CONEXIS at (800)570-1863.
                                                                              Dependents following notice of a qualifying event will
                 You must notify CONEXIS within 60 calendar days from         include the actual cost for COBRA coverage.
                 the date on the Notice of Enrollment letter if you want to
                                                                              • Initial COBRA Premium: You have 45 days from the
                 continue coverage under COBRA.You can contact
                                                                                date of your COBRA election to pay premiums for:
                 CONEXIS by calling (800) 570-1863 or by logging on to
                 www.CONEXIS.org. Failure to elect COBRA continuation           —Coverage provided between the date of the qualify-
                 coverage during the 60-day period will waive any right          ing event and the end of the month in which the
                 to elect COBRA coverage. Note:You may be asked to pro-          election is made; and
                 vide documentation of the qualifying event in order to         —Any premiums that become due during the
                 receive COBRA coverage. Notify CONEXIS of any change            45-day period.
                 of address if you elect COBRA coverage.
                                                                              • Continuing Premiums: Monthly premiums will be
                 Once you elect and timely pay your premium under               due on the first day of each month following the ini-
                 COBRA, you may not retroactively cancel, change, or add        tial premium due date. You will be allowed a 30-day
                 to your COBRA coverage without a Status Change Event           grace period. If the 30th day falls on a weekend or
                 outside Annual Enrollment. If a Status Change Event            holiday, you will have until the next business day to
                 occurs (such as a child is born), you will need to contact     have your payment postmarked.
                 CONEXIS or submit the change in writing within 60 cal-       Claims incurred during the 30-day grace period will not
                 endar days of the event. For information about Status        be paid until premiums through the date of service have
                 Change Events, see Status Change Events in the               been received. If you do not pay these premiums, you
                 Eligibility and Enrollment chapter. As long as you are       will be responsible for claims incurred. Pharmacy bene-
                 on COBRA, you will have the right to make changes to         fits will not be available unless coverage is paid through
                 your coverage during any Annual Enrollment period.           the current month.

                 You and your Eligible Dependent(s) each have separate        As a courtesy, CONEXIS will send a COBRA premium
                 election rights.You may elect COBRA coverage for all of      payment invoice. Attach your payment to the invoice
                 your family members who lost coverage because of the         and mail to:
                 qualifying event. A parent may elect COBRA coverage on
                                                                              CONEXIS
                 behalf of an Eligible Dependent child. A child born to or    P.O. Box 14225
                 placed for adoption with you while you are on COBRA          Orange, CA 92863-1225
                 also has COBRA rights.
                                                                              To pay online, log on to www.CONEXIS.org, or to pay
                 If you do not want to continue coverage, no further          by phone, call (800) 570-1863.
                 action is required.
                                                                              Your COBRA coverage ends on the last day for which you
                                                                              paid your full COBRA premium on time. If your coverage
                                                                              ends due to non-payment of premiums, it will not
                                                                              start again.




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                                             2008 Wal-Mart Associate Benefits Book




How Long                                                     If You or an Eligible
COBRA Coverage Lasts                                         Dependent is Disabled
The duration of your COBRA coverage depends on               If you and/or your Eligible Dependent(s) elect COBRA
the reason for the COBRA coverage as shown in the            coverage due to your termination of employment or
Duration of COBRA Coverage chart.                            reduction in hours of employment and one of you is
                                                             disabled, all of you may be entitled to up to 29 months
                                                             of COBRA coverage. The 29-month COBRA coverage
 Duration of COBRA Coverage                                  period begins on the date of your termination of
                                                             employment or reduction in hours of employment.
 Conditions                       Associate Dependent(s)
                                                             The disability extension only applies if all of the
• Your employment with the       18 months 18 months         following conditions are met:
  Company ends for any reason
• You are no longer eligible                                 • The Social Security Administration determines that
  due to a reduction in hours
                                                               you and/or your Eligible Dependent(s) is disabled;
• Your death                   Not        36 months          • The disability exists during the first 60 calendar days
• Your marital status changes  applicable                      of COBRA coverage;
• Dependent(s) no longer meets
  eligibility requirements
                                                             • You and/or your Eligible Dependent(s) notify CONEX-
                                                               IS of the Social Security Administration’s disability
Disability extension is obtained 29 months 29 months           determination within 60 days of the later of:
                                                               —The determination, or




                                                                                                                        COBRA
Second qualifying event—         Not        36 months
You must notify CONEXIS          applicable                    —The qualifying event; and
within 60 days of the second
qualifying event                                             • You and/or your Eligible Dependent(s) submit a copy
                                                               of the Social Security Administration’s disability
                                                               determination award letter to CONEXIS during the
                                                               initial 18-month COBRA coverage period.
If You Are Entitled to Medicare
If you are entitled to Medicare before your employment
terminates or your hours of employment are reduced,
your Eligible Dependent(s) who lose medical and/or
dental coverage may receive COBRA coverage for the
longer of the following:

• Thirty-six (36) months from the date you enrolled in
  Medicare; or
• Eighteen (18) months from the date of the qualifying
  event (the date of your termination of employment
  or reduction in hours of employment).
You or your Eligible Dependent(s) must notify
CONEXIS within 60 days (the COBRA election period) if
you are entitled to Medicare prior to the initial qualify-
ing event date.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362           111
                 CONEXIS will determine if you and/or your Eligible            If You Have a Second
                 Dependents qualify for the disability extension. If the       Qualifying Event While on COBRA
                 extension is given, a new invoice will be mailed to you       While an associate cannot get an extension of COBRA
                 and/or your Eligible Dependents before the end of the         coverage due to a second qualifying event, your Eligible
                 initial 18-month COBRA coverage period.                       Dependent(s) who have COBRA coverage due to your
                                                                               termination of employment or reduction in hours of
                 The COBRA premium for the 18th through the 29th
                                                                               employment may receive COBRA coverage for up to a
                 month of COBRA coverage generally is the amount you
                                                                               total of 36 months of COBRA coverage if a second quali-
                 were paying before the qualifying event, plus the
                                                                               fying event occurs.
                 amount the Company was paying, plus a 50 percent
                 administrative fee.                                           The following are second qualifying events:
                 If the disability extension applies and the disabled quali-   • Your death.
                 fied beneficiary family member is enrolled in COBRA
                                                                               • Your divorce, legal separation, or annulment.
                 coverage, the COBRA premium for the entire family for
                 the extended period can be up to 150%. However, if the        • Your child is no longer eligible for medical and/or
                 disability extension applies, but the disabled qualified         dental coverage.
                 beneficiary family member is not enrolled in COBRA cov-        If a second qualifying event occurs while your Eligible
                 erage, the COBRA premium for the covered family mem-          Dependents have COBRA coverage, their COBRA cover-
                 bers for the extended period is limited to 102%.              age may last up to 36 months from the date of the first
                                                                               qualifying event (the date of your termination of
                 You or your Eligible Dependent(s) must notify CONEXIS         employment or reduction in hours of employment).
                 no later than 30 days after the Social Security
                 Administration determines that you or your Eligible           TO RECEIVE THE EXTENSION OF THE COBRA
                 Dependent is no longer disabled.                              COVERAGE PERIOD, YOU OR YOUR ELIGIBLE
                                                                               DEPENDENT(S) MUST NOTIFY CONEXIS OF THE
                                                                               SECOND QUALIFYING EVENT WITHIN 60 CALEN-
                                                                               DAR DAYS OF THE DATE OF THE EVENT. IF CONEXIS
                                                                               IS NOT NOTIFIED OF THE SECOND QUALIFYING
                                                                               EVENT DURING THE 60-DAY PERIOD, YOUR
                                                                               ELIGIBLE DEPENDENT(S) CANNOT GET THE COBRA
                                                                               COVERAGE EXTENSION AND THE COVERAGE WILL
                                                                               BE TERMINATED AS OF THE DATE OF THE SECOND
                                                                               QUALIFYING EVENT.




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                                           2008 Wal-Mart Associate Benefits Book




When COBRA Coverage Ends
Usually, COBRA coverage ends after the 18-month, 29-
month, or 36-month COBRA coverage period. See How
Long COBRA Coverage Lasts to find out which COBRA
coverage period applies to you. COBRA coverage may be
terminated before the end of the 18th, 29th, or 36th
month if:

• The Company no longer provides medical or dental
  coverage to any of its associates;
• COBRA payment is not made within 30 calendar days
  of the due date;
• The participant becomes covered by another group
  health medical or dental plan after electing COBRA
  coverage unless the other plan excludes or limits
  coverage for a pre-existing condition, other than a
  pre-existing condition exclusion that does not apply
  (or is satisfied) due to the requirements of HIPAA;
• The participant becomes covered by Medicare after
  electing COBRA coverage (only medical may be ter-




                                                                                                              COBRA
  minated early); or
• The participant or other family member submits a
  fraudulent claim or fraudulent information.
If your COBRA coverage is HMO coverage, you may be
able to convert your coverage to an individual policy
when your COBRA coverage ends. Contact your HMO
for details.




                    Visit Ask Betty from the WIRE at work or call the Benefits Department at 1(800) 421-1362   113
Resources for Living

 Where Can I Find?
 Using Resources for Living . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 116
 When Resources for Living Benefits End. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 117
 Filing a Claim for Resources for Living Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 117
                                             2008 Wal-Mart Associate Benefits Book




Resources for Living
Resources for Living (RFL) is a valuable confidential counseling and health information service
that’s free to all Wal-Mart associates from your hire date.You and your family members can call a
professional counselor any time, day or night, for help with stress management, family relation-
ships, career issues, and other daily challenges. RFL also offers an online Personal Health
Appraisal that will alert you to specific potential health risks. Use Resources for Living to
improve your emotional and physical health.

 Resources for Living Resources
 Find What You Need                      Online                                  Other Resources

 Speak with a professional counselor                                             Call (800) 825-3555
 in English or Spanish


 Access articles, tools, and resources   Go to www.rfl.com




                                                                                                                  Resources for Living
 across a wide range of topics


 Access your Personal Health Appraisal   Go to www.rfl.com or
                                         walmartbenefits.com




What You Need to Know About Resources for Living
• All Wal-Mart associates are automatically enrolled in Resources for Living as of you date of hire.
• Wal-Mart pays the entire cost for Resources for Living benefits for you and your family.
• Resources for Living is a professional and confidential counseling and information service available 24/7.




                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362   115
                 Using Resources for Living                                  • Self Mastery: Effective ways to manage stress and
                                                                               stay motivated. Learn how to resolve conflict, man-
                 Resources for Living is a professional and confidential
                                                                               age anger, and tap into your creative potential.
                 counseling and information service that offers counsel-
                 ing on a wide variety of issues, including strengthening    • Family Care: Tools and resource links for identifying
                 relationships and managing stress. Professional coun-         childcare and eldercare options in your area. Get tips
                 selors are available 24 hours a day, seven days a week,       for managing pregnancy, improving parenting skills,
                 365 days a year at (800) 825-3555. Counseling services        and building better families.
                 are available in English and Spanish. Wal-Mart pays the     • Relationships: A wealth of information to improve
                 entire cost of available Resources for Living benefits.        relationships—with your spouse, with family mem-
                                                                               bers, and among friends.
                 All U.S. associates and their family members, except
                                                                             • Everyday Matters: Information, tools and resources
                 employees who are members of a collective bargaining
                                                                               for daily living, including housing and education
                 unit whose health and welfare benefits were the subject
                                                                               options, budgeting and related financial concerns.
                 of good faith collective bargaining, are automatically
                 enrolled in Resources for Living. Coverage begins on        • At Work: Resources to help you become more suc-
                 your first day of employment with Wal-Mart. All benefits        cessful at work. Get tips on how to balance work
                 under this program are provided and administered by           and family, improve career options, and develop
                 Resources for Living.                                         more effective communication with your col-
                                                                               leagues and supervisors.
                 Resources for Living offers resources and counseling for
                 issues related to:                                          Resources for Living offers solutions for living well at
                                                                             home and at work. When daily challenges make life
                 • Healthy Living: Information on a variety of health        more difficult, Resources for Living provides support,
                   issues, including fitness, nutrition, and weight man-     encouragement, guidance, and information.You can
                   agement, as well as lifestyle suggestions for dis-        reach professional counselors at Resources for living
                   ease management/prevention, and a Personal                anytime or anywhere.
                   Health Appraisal.
                   The Personal Health Appraisal guides you through a
                   series of health and wellness questions and pro-
                   vides you with feedback in your own individualized
                   report. Your report will identify specific health risks
                   based on your responses and will provide health
                   improvement recommendations. The Personal
                   Health Appraisal also provides links to related
                   health topics, based on your feedback. To access
                   your Personal Health Appraisal, go to www.rfl.com
                   or walmartbenefits.com. All of your answers and
                   feedback will be kept confidential, and your report
                   will be password protected.




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                                            2008 Wal-Mart Associate Benefits Book




Calling Resources for Living                                Filing a Claim for Resources for
You may contact Resources for Living at                     Living Benefits
(800) 825-3555. When you call, Resources for Living’s       You do not have to file a claim for Resources for Living
consultants will take information from you and will help    benefits.You may access the Resources for Living web-
direct you to the appropriate help. Counseling services     site or contact Resources for Living at any time. However,
are available 24 hours a day, seven days a week, 365 days   if you have a question about your benefits, or disagree
a year in English and Spanish.Your contact with             with the benefits provided, you may contact the Wal-
Resources for Living is completely confidential. No one at   Mart Benefits Department or file a claim by writing to
Wal-Mart will know you have used the service, unless        the following address:
you tell them.
                                                            Wal-Mart Benefits Department
You also may visit the Resources for Living website         922 West Walnut, Suite A
                                                            Rogers, AR 72756-3540
www.rfl.com or walmartbenefits.com for articles,
tools and resources across a wide range of topics           Claims, and any appeals, will be determined under the
available to help you live well.                            time frames and requirements set out in the proce-
                                                            dures for filing a claim for medical benefits in the
When Resources




                                                                                                                         Resources for Living
                                                            Claims and Appeals chapter.
for Living Benefits End
Your Resources for Living benefit (and your family’s
Resources for Living benefit) ends upon your termina-
tion of employment for any reason, but your Resources
for Living benefit will automatically be continued, at no
cost, for you and your family throughout the applicable
COBRA period under the Associates’ Medical Plan.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            117
Cancer Insurance Policy

   Where Can I Find?
   The Cancer Insurance Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 120
   Eligibility and Application for the Cancer Insurance Policy . . . . . . . . . . . . . . . . . . . . . . . . 120
   Cancer Insurance Policy Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 121




      This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by Aflac, the terms of the policy will govern.
                              You may obtain a copy of this policy by contacting Aflac.
                                            2008 Wal-Mart Associate Benefits Book




Cancer Insurance Policy
Participants in the Cancer Insurance Policy get help with expenses for eligible services,
including cancer screening, Hospitalization, radiation and chemotherapy, and transportation
and lodging. You can enroll in the Cancer Insurance Policy regardless of whether you have
other medical coverage; however, you must provide Proof of Good Health and be approved
for the Cancer Insurance Policy. Benefits are paid in addition to any other types of benefits
you receive, and you’ll receive a check payable to you. For complete information on the
Cancer Insurance Policy, read the Cancer Insurance Policy brochure available online or from
your personnel representative.


Cancer Insurance Policy Resources
Find What You Need                     Online                                 Other Resources




                                                                                                                      Cancer Insurance Policy
For a brochure containing              the WIRE or, walmartbenefits.com or     See your personnel representative for
complete information on the                                                   a brochure or
                                       www.aflac.com/walmart
Cancer Insurance Policy
                                                                              Call Aflac at:
                                                                              (800) 366-3436 for existing
                                                                              New York policies
                                                                              (888) 792-2352 in all other states




What You Need to Know About the Cancer Insurance Policy
• All associates and their Eligible Dependents can apply for coverage under the Cancer Insurance Policy
  when they are eligible.
• If you already have cancer, you may not qualify for this coverage.
• For complete information about the Cancer Insurance Policy, see the Accident Insurance Policy brochure
  available on the WIRE and on walmartbenefits.com, from your personnel representative, or by calling Aflac.




                      Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362          119
                 The Cancer Insurance Policy                                When you apply for the Cancer Insurance Policy, you also
                 The Cancer Insurance Policy provides a direct cash bene-   may apply to cover any Eligible Dependents if depend-
                 fit if you or any Covered Dependents are diagnosed with     ent coverage is available under your job classification.
                 cancer and for routine services while you are covered      You choose:
                 under the policy.The policy pays benefits for covered
                                                                            • Associate Only;
                 services regardless of any other insurance you may have.
                                                                            • Associate and Spouce;
                 If you already have cancer, you may not qualify for        • Associate and Child; or
                 this coverage. Proof of Good Health is required for
                                                                            • Family.
                 this coverage.
                                                                            For complete information about eligibility and when you
                 Your Cancer Insurance Policy coverage options are:         can apply for the Cancer Insurance Policy, see the
                                                                            Eligibility and Enrollment chapter.
                 • Level 1; and
                 • Level 3.                                                 The cost for coverage under the Cancer Insurance Policy
                                                                            is based on the coverage option you choose and the
                 Both levels cover the same services; however, Level 3
                                                                            Eligible Dependents you choose to cover.
                 coverage pays higher benefits for some services.

                 The Cancer Insurance Policy is fully insured and is        Proof of Good Health for the Cancer
                 offered by American Family Life Assurance Company          Insurance Policy
                 of Columbus (Aflac). For complete information about        Proof of Good Health includes completing a
                 the Cancer Insurance Policy, call Aflac or go              questionnaire regarding your medical history.
                 to walmartbenefits.com.
                                                                            When you are approved for coverage, Aflac will send
                                                                            you a policy and a Summary Plan Description containing
                 Eligibility and Application for
                                                                            details on the Cancer Insurance Plan.
                 the Cancer Insurance Policy
                 You are eligible to apply for and enroll in the Cancer
                 Insurance Policy if you are over age 18 and you are a:

                 • Full-Time hourly associate (including Full-Time
                   hourly pharmacists, Field Logistics Associates, and
                   Field Supervisor Positions in stores and clubs)
                 • Peak-Time hourly associate
                 • Full-Time Truck Driver
                 • Part-Time Truck Driver
                 • Management associate




120   For more information, log on to walmartbenefits.com, 24/7 or
                                           2008 Wal-Mart Associate Benefits Book




Cancer Insurance                                           When Benefits are Not Paid
Policy Benefits                                             Benefits are not provided for:
Aflac pays only for treatment of cancer, including direct
                                                           • Pre-malignant conditions, conditions with malignant
extension metastic spread or recurrence and other dis-
                                                             potential, or complications of any other disease,
eases and conditions caused, complicated or aggravated
                                                             sickness, or incapacity.
by, or resulting from cancer or cancer treatment.
                                                           • Any cancer diagnosed before coverage has been in
Your policy contains complete information on the             force 30 days from the Effective Date shown in your
benefits payable through this coverage.You also can call      Policy Schedule. If a covered person has cancer diag-
Aflac at (800) 366-3436. Here are some examples of the        nosed during this 30-day waiting period, benefits for
benefits that are available under this policy:                treatment of that cancer will apply only to treatment
                                                             occurring after two years from the Effective Date of
• Cancer Screening Wellness Benefit
                                                             your policy or, at your option, you may elect to void
• Hospital Confinement Benefit                                 the policy from its beginning and receive a full
• Radiation and Chemotherapy Benefit                          refund of premium.




                                                                                                                     Cancer Insurance Policy
• Experimental Treatment Benefit                            • The First Occurrence benefit is not payable
• Anti-Nausea Benefit                                         under certain circumstances. See your policy for
                                                             complete details.
• Nursing Services Benefit
                                                           • Treatment in a U.S. Government Hospital unless
• Skin Cancer Surgery Benefit
                                                             the covered person is actually charged for such
• Transportation and Lodging Benefit
                                                             treatment and is legally required to pay such charge
                                                             unless otherwise specified by the policy.
                                                           • Immunoglobulin or colony stimulating factors.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362        121
Accident Insurance Policy

   Where Can I Find?
   The Accident Insurance Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 124
   Eligibility and Application for the Accident Insurance Policy . . . . . . . . . . . . . . . . . . . . . . 124
   Accident Insurance Policy Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 124




      This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by Aflac, the terms of the policy will govern.
                              You may obtain a copy of this policy by contacting Aflac.
                                          2008 Wal-Mart Associate Benefits Book




Accident Insurance Policy
An accident can cause unexpected expenses along with the injury. If you enroll in the
Accident Insurance Policy and are involved in a covered accident while you’re off the job, the
policy helps you pay for services necessary as a result of the accident, such as emergency
room treatment, Hospitalization, physical therapy, and transportation and hotels. You’ll
receive benefits from the plan in addition to any benefits you receive from other plans, such
as medical, and benefits are paid directly to you. For complete information on the Accident
Insurance Policy, read the Accident Insurance Policy brochure available online or from your
personnel representative.

Accident Insurance Policy Resources




                                                                                                                   Accident Insurance Policy
Find What You Need                    Online                                 Other Resources

For a brochure containing             the WIRE, or walmartbenefits.com or     See your personnel representative
complete information on the                                                  for a brochure or
                                      www.aflac.com/walmart
Accident Insurance Policy
                                                                             Call Aflac at (888) 366-3436




What You Need to Know About the Accident Insurance Policy
• All associates and their Eligible Dependents can apply for coverage under the Accident Insurance Policy when
  they are eligible.
• For complete information about the Accident Insurance Policy, see the Accident Insurance brochure available on
  the WIRE and on walmartbenefits.com, from your personnel representative, or by calling Aflac.




                      Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362       123
                 The Accident Insurance Policy                               Note: If you are enrolled in a Freedom Plan, you are not
                 The Accident Insurance Policy provides a direct cash        eligible for the Organ Transplant Rider included in the
                 benefit if you or any Covered Dependents undergo cer-        Accident Insurance Policy.
                 tain medical procedures as a result of a covered accident
                                                                             When you are approved for coverage, Aflac will send you
                 you have when you are off the job.The policy pays bene-
                                                                             a policy and a Summary Plan Description containing
                 fits for covered services regardless of any other insur-
                                                                             details on the Accident Insurance Plan.
                 ance you may have.

                 The Accident Insurance Policy is fully insured and          Accident Insurance Policy Benefits
                 is offered by American Family Assurance Company of          The Accident Insurance Policy provides a direct cash
                 Columbus (Aflac). For complete information about             benefit if you or any Covered Dependents undergo cer-
                 the Accident Insurance Policy, call Aflac or go to           tain medical procedures as a result of a covered accident
                 walmartbenefits.com.                                         you have when you are off the job.

                                                                             Your policy contains complete information on the bene-
                 Eligibility and Application for                             fits payable through this coverage.You also can call Aflac
                 the Accident Insurance Policy                               at (888) 366-3436. Here are some examples of types of
                 You are eligible to apply for and enroll in the Accident
                                                                             benefits payable for services necessary as a result of a
                 Insurance Policy if you are over age 18 and a:
                                                                             covered off-the-job accident:
                 • Full-Time hourly associate (including Full-Time
                                                                             • Accident Emergency Treatment Benefit
                   hourly pharmacists, Field Logistics Associates, and
                                                                             • Initial Accident Hospitalization Benefit
                   Field Supervisor Positions in stores and clubs)
                                                                             • Accident Hospitalization Benefit
                 • Peak-Time hourly associate
                                                                             • Accident Specific Sum Injuries Benefits, for
                 • Full-Time Truck Driver
                                                                               dislocation, burns, skin grafts, eye injury, lacerations,
                 • Part-Time Truck Driver
                                                                               fractures, concussions (brain), emergency dental
                 • Management associate                                        work, coma (at least seven days), paralysis,
                 When you enroll in the Accident Insurance Policy, you         surgical procedures
                 also may apply to cover any Eligible Dependents if          • Major Diagnostic Exams Benefit
                 dependent coverage is available under your job classifi-
                                                                             • Physical Therapy Benefit
                 cation.You can choose:
                                                                             • Transportation and Lodging Benefit
                 • Associate only;                                           • Accidental Death and Accidental
                 • Associate + spouse;                                         Dismemberment Benefits
                 • Associate + children; or                                  • Organ Transplant Benefits (not available to Freedom
                 • Family.                                                     Plan participants)

                 For complete information about eligibility and when you     • On-the-Job Intensive Care Unit (ICU) Benefits
                 can enroll in the Accident Insurance Policy, see the        Wellness benefits are also available after you and any
                 Eligibility and Enrollment chapter.                         covered dependents have been covered by the Accident
                                                                             Policy for 12 months. Only one family member per year
                 The cost for coverage under the Accident Insurance
                                                                             is eligible for the wellness benefit. For more information,
                 Policy is based on the Eligible Dependents you choose
                                                                             see your policy or call Aflac.
                 to cover.

                 Proof of Good Health may be required. Proof of Good
                 Health includes completing a questionnaire regarding
                 your medical history.




124   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




When Benefits are Not Paid                                 • Intentionally self-inflicting bodily injury or attempt-
Benefits will not be paid for an accident that is caused     ing suicide, while sane or insane
by or occurs as a result of a covered person’s acts:      • Having cosmetic surgery or other elective proce-
                                                            dures that are not Medically Necessary, as deter-
• Accident which occurs on the job, unless
                                                            mined by Aflac, or having dental treatment except as
  otherwise specified
                                                            a result of an injury
• Accident that occurs while coverage is not in force
                                                          • Being exposed to war or any act of war, declared
• Receiving medical services rendered by an immedi-         or undeclared
  ate family member
                                                          • Actively serving in any of the armed forces, or units
• Participating in any activity or event, including the     auxiliary thereto, including the National Guard or
  operation of a vehicle, while under the influence of a     Army Reserve
  controlled substance (unless administered by a
                                                          • Participating in any form of flight aviation other than
  physician and taken according to the physician’s
                                                            as a fare-paying passenger in a fully licensed, passen-
  instructions) or while intoxicated (intoxicated means
                                                            ger-carrying aircraft
  that condition as defined by the law of the jurisdic-




                                                                                                                      Accident Insurance Policy
  tion in which the accident occurred)                    • Participating in any sport or sporting activity for
                                                            wage, compensation, or profit, including officiating
• Driving any taxi for wage, compensation, or profit
                                                            or coaching, or racing in any type of vehicle in an
• Mountaineering using ropes and /or other equip-           organized event
  ment, parachuting, or hang gliding
• Participating in, or attempting to participate in, an
  illegal activity that is defined as a felony, whether
  charged or not (felony as defined by the law of the
  jurisdiction in which the activity takes place), or
  being incarcerated in any type of penal institution.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362         125
 Company-Paid Life Insurance

      Where Can I Find?
      Your Company-Paid Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 128
      Naming a Beneficiary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 128
      Filing a Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 129
      When Benefits Are Not Paid. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 129
      When Coverage Ends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 129




        This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by Prudential, the terms of the policy will govern.
                              You may obtain a copy of the policy by contacting Prudential.
                                           2008 Wal-Mart Associate Benefits Book




Company-Paid Life Insurance
Whether you are single or married, your loved ones will have expenses as a result of your
death. That’s why Wal-Mart automatically provides you with life insurance at no cost to you.
Your Company-Paid Life Insurance benefit can help pay for your funeral, any credit card bal-
ances, or other debts and expenses you may leave behind. Wal-Mart provides this benefit to
help you help your loved ones live better.


Company-Paid Life Insurance Resources
Find What You Need                     Online                                   Other Resources

Change your                            the WIRE or                              A form also is available from




                                                                                                                     Company-Paid Life Insurance
beneficiary designation                                                          your personnel representative.
                                       walmartbenefits.com
                                                                                Beneficiary changes cannot be
                                                                                made over the phone.


Get more details                                                                Call Prudential at (877) 740-2116
about life Insurance


Convert to an individual policy                                                 Call Prudential at (877) 740-2116


File a claim                                                                    Call Prudential at (877) 740-2116




What You Need to Know About Company-Paid Life Insurance
• Wal-Mart Stores, Inc. provides all Full-Time associates (including Full-Time hourly pharmacists, Field Logistics
  Associates, and Field Supervisor Positions in stores and clubs) and management associates with Company-Paid
  Life Insurance—there is no cost to you.
• Your coverage amount is equal to your pay during the previous 26 pay periods (52 pay periods if paid weekly)
  prior to your death, rounded to the nearest $1,000, up to $50,000.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362        127
                 Your Company-Paid                                             You can name a minor as a beneficiary; however,
                 Life Insurance                                                Prudential may not be legally permitted to pay the
                 Wal-Mart Stores, Inc. provides all Full-Time associates and   minor until the minor reaches legal age. You may want
                 management associates with Company-Paid Life                  to consult with an attorney before naming a minor as a
                 Insurance.The Company pays for this coverage in full—         beneficiary. If you name a minor as a beneficiary, funer-
                 there is no cost to you. No enrollment is necessary.          al expenses cannot be paid from the minor’s benefici-
                 Coverage will become effective after any applicable           ary proceeds.
                 waiting period. See the Eligibility and Enrollment
                                                                               It’s important to keep your beneficiary information up-
                 chapter for details.
                                                                               to-date. Proceeds will go to whoever is listed on your
                 If you die, your beneficiary(s) can receive a lump sum         beneficiary form on file with the AHWP, regardless of
                 payment.The payment will be equal to your pay during          your current relationship with that person.
                 the previous 26 pay periods (52 pay periods if paid
                 weekly) prior to your death, rounded to the nearest           Changing Your Beneficiary
                 $1,000.The payment cannot exceed $50,000. Company-            Your beneficiary(s) can be changed at any time by using:
                 Paid Life Insurance is insured by The Prudential Insurance
                                                                               • the WIRE;
                 Company of America (Prudential).
                                                                               • walmartbenefits.com; or
                 Naming a Beneficiary                                           • Forms provided by your personnel representative.
                 You must name a beneficiary(s) to receive your
                                                                               If You Do Not Name a Beneficiary
                 Company-Paid Life Insurance benefit if you die. See
                                                                               If no beneficiary is named, payment will be made to your
                 Company-Paid Life Insurance Resources earlier in this
                                                                               surviving family member(s) in the following order:
                 chapter for information on how to name a beneficiary.
                                                                               1. Widow or widower; if no surviving then
                 You can name anyone you wish. If the beneficiary(s) you
                 have listed with the Company differs from those named         2. Children in equal shares; if no surviving then
                 in your will, the list that the Company has prevails.         3. Parents in equal shares; if no surviving then
                                                                               4. Brothers and sisters in equal shares; if no
                 The following information is needed when naming your
                                                                                  surviving then
                 beneficiary(s):
                                                                               5. Executor or Administrator of your estate.
                 • Beneficiary(s) name
                 • Beneficiary(s) current address
                 • Beneficiary(s) phone number
                 • Beneficiary(s) relationship to you
                 • Beneficiary(s) Social Security number
                 • Beneficiary(s) date of birth
                 • The percentage you wish to designate per benefici-
                   ary up to 100 percent
                 The benefit will be shared equally by all beneficiaries list-
                 ed unless specific percentage designations are elected.




128   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Filing a Claim                                              Converting to an Individual Policy
Within 12 months of the covered associate’s death,          You can convert all or a portion of your coverage to an
contact Prudential at (877) 740-2116, and provide the       individual whole life policy when your coverage ends.
following regarding the deceased associate:                 You must request the conversion and pay the first premi-
                                                            um within 31 days of the date your coverage ends.
• Name;
• Social Security number;                                   If your death occurs during the 31 day conversion peri-
                                                            od, the death benefit will be payable up to the amount
• Date of death; and
                                                            that could have been converted.
• Cause of death (if known).
                                                            To request a conversion or for information
An original or certified copy of the death certificate is
                                                            on other available options, call Prudential at
required as proof of death. Mail the death certificate to:
                                                            (877) 740-2116.
Prudential – Wal-Mart Division
P.O. Box 13644                                              For residents of Minnesota, you may elect to continue




                                                                                                                            Company-Paid Life Insurance
Philadelphia, PA 19176                                      coverage at your expense if your employment is termi-
                                                            nated either voluntarily or involuntarily, or if you are laid
The claim will not be finalized until the death certificate
                                                            off, as long as the group policy is still in force with the
is received. Acceptance of the death certificate is not a
                                                            employer. Coverage may be continued until you obtain
guarantee of payment.
                                                            coverage under another group policy or you return to
Claims will be determined under the time frames             work from lay-off; however, the maximum period that
and requirements set out in the Claims and Appeals          coverage may be continued is 18 months.
chapter. See the Claims and Appeals chapter for fur-
ther details. You or your beneficiary has the right to      If You Leave the
appeal a claim denial. See the Claims and Appeals           Company and Then Are Rehired
chapter for details.                                        If you return to work within 30 days you will automatical-
                                                            ly be re-enrolled (or enrolled in the most similar option
When Benefits Are Not Paid                                   offered under the Plan).
Benefits will not be paid to any beneficiary(s) who
                                                            If you return to work after 30 days, you will be consid-
engaged in an illegal act that resulted in the death
                                                            ered newly eligible and will be required to complete
of the associate. Instead, the benefit would go to
                                                            the applicable eligibility waiting period for your clas-
another eligible beneficiary or to your estate.
                                                            sification. See the Eligibility and Enrollment chapter
                                                            for details.
When Coverage Ends
Your Company-Paid Life Insurance
coverage ends:
• At termination of your employment;
• On the date of your death;
• On the date you lose eligibility;
• On the last day of an approved Leave of Absence
  (unless you return to work);
• When the benefit is no longer offered by the
  Company; or
• Upon misrepresentation or fraudulent submission of
  a claim for benefits.
This policy has no cash value.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               129
 Optional Life Insurance

      Where Can I Find?
      Enrolling in Optional Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 132
      Naming a Beneficiary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 132
      When Your Optional Life Insurance Coverage Begins . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 133
      An Early Payout Due to Terminal Illness . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 133
      When Benefits Are Not Paid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 134
      When Coverage Ends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 134
      Filing a Claim. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 135




        This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by Prudential, the terms of the policy will govern.
                              You may obtain a copy of the policy by contacting Prudential.
                                               2008 Wal-Mart Associate Benefits Book




Optional Life Insurance
You protect your family every day—your paycheck keeps a roof over their heads and food on
the table, you use seat belts and child safety seats, and you plan for your family’s college and
retirement expenses. What would happen to your family if you died? Would they be forced to
deal with a desperate financial situation along with emotional devastation? In addition to
your Wal-Mart provided life insurance, optional life insurance protects your family financially
during a difficult time.


 Optional Life Insurance Resources
 Find What You Need                        Online                                Other Resources

 Change your                               the WIRE or                           A form also is available from
 beneficiary designation                                                          your personnel representative.
                                           walmartbenefits.com
                                                                                 Beneficiary changes cannot be




                                                                                                                     Optional Life Insurance
                                                                                 made over the phone.


 • Get more details about life Insurance                                         Call Prudential at (877) 740-2116
 • Request an Accelerated Benefit
 • Convert to an individual policy


 File a claim                                                                    Call Prudential at
                                                                                 (877) 740-2116




What You Need to Know About Optional Life Insurance
• All Full-Time hourly associates (including Full-Time hourly pharmacists, Field Logistics Associates, and
  Field Supervisor Positions in stores and clubs), Full-Time Truck Drivers, and management associates can
  enroll in Optional Life Insurance.
• Depending on the coverage amount you choose and when you enroll, you may be required to provide
  Proof of Good Health.
• You can enroll in, change or drop life insurance at any time, but if you enroll at any time other than your
  Initial Enrollment Period, you will have to provide Proof of Good Health.
• An early payout due to terminal illness is available.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362       131
                 Enrolling in Optional                                        Providing Proof of Good Health
                 Life Insurance                                               Proof of Good Health is required for optional life
                 All Full-Time hourly associates (including Full-Time         insurance if:
                 hourly pharmacists, Field Logistics Associates, and Field
                                                                              • The coverage amount selected is above $25,000 dur-
                 Supervisor Positions in stores and clubs), Full-Time Truck
                                                                                ing your Initial Enrollment Period;
                 Drivers, and management associates can enroll in
                 Optional Life Insurance in addition to the Company-Paid      • You enroll after your Initial Enrollment Period for any
                 Life Insurance provided by Wal-Mart.Your coverage              amount; or
                 choices for Optional Life Insurance are:                     • You increase your coverage after your Initial
                                                                                Enrollment Period.
                 • $25,000
                                                                              Proof of Good Health includes completing a question-
                 • $50,000                                                    naire regarding your medical history and possibly having
                 • $75,000                                                    a medical exam.The Proof of Good Health questionnaire
                 • $100,000                                                   is made available when you enroll.
                 • $150,000
                                                                              Naming a Beneficiary
                 • $200,000
                                                                              When you enroll, you must name a beneficiary(s) to
                 Depending on the coverage amount you choose and              receive your Optional Life Insurance benefit if you die.
                 when you enroll, you may be required to provide Proof
                 of Good Health.                                              You can name anyone you wish. If the beneficiary(s) you
                                                                              have listed with the Company differs from those named
                 If you die, your beneficiary(s) may receive a lump-sum        in your will, the list that the Company has prevails.
                 payment for the coverage amount you select. Optional
                 Life Insurance is insured by The Prudential Insurance        The following information is needed when naming your
                 Company of America (Prudential).                             beneficiary(s):

                 The cost of Optional Life Insurance is based on the cov-     • Beneficiary(s) name
                 erage amount you select and your age.                        • Beneficiary(s) current address
                                                                              • Beneficiary(s) phone number
                 You can enroll in optional life insurance at any time—
                 Proof of Good Health is required if you enroll after your    • Beneficiary(s) relationship to you
                 Initial Enrollment Period. Also, you can change or drop      • Beneficiary(s) Social Security number
                 coverage at any time. However if you want to increase        • Beneficiary(s) date of birth
                 your coverage or re-enroll after dropping coverage, you
                                                                              • The percentage you wish to designate per
                 will be required to provide Proof of Good Health.
                                                                                beneficiary up to 100 percent
                                                                              The benefit will be shared equally by all beneficiaries list-
                                                                              ed unless specific percentage designations are elected.

                                                                              You can name a minor as a beneficiary. However,
                                                                              Prudential may not be legally permitted to pay the
                                                                              minor until the minor reaches legal age.You may
                                                                              want to consult with an attorney before naming a
                                                                              minor as a beneficiary. If you name a minor as a
                                                                              beneficiary, funeral expenses cannot be paid from
                                                                              the minor’s beneficiary proceeds.




132   For more information, log on to walmartbenefits.com, 24/7 or
                                               2008 Wal-Mart Associate Benefits Book




It is important to keep your beneficiary information       When Your Optional Life Insurance
up-to-date. Proceeds will go to whoever is listed on      Coverage Begins
your beneficiary form on file with the AHWP, regardless     If Proof of Good Health is required, your coverage will
of your current relationship with that person.            generally become effective the first day of the pay peri-
                                                          od in which the Wal-Mart Benefits Department receives
Changing Your Beneficiary                                  approval from Prudential.
Your beneficiary(s) can be changed at any time by using:
                                                          If you should die before Prudential approves coverage,
• the WIRE;                                               no optional life insurance benefit will be paid to your
• walmartbenefits.com; or                                  beneficiary(s).
• Forms provided by your personnel representative.
                                                          If Proof of Good Health is not required, your coverage
If You Do Not Name a Beneficiary                           will be effective on the date you enroll or at the end of
If no beneficiary is named, payment will be made to your   your eligibility waiting period, whichever is later.
surviving family member(s) in the following order:
                                                          You must be Actively-At-Work in order for your coverage
                                                          to be effective. You will be considered Actively-At-Work




                                                                                                                        Optional Life Insurance
1. Widow or widower; if no surviving then
                                                          on a day that is one of your scheduled work days if you
2. Children in equal shares; if no surviving then
                                                          are performing in the usual way all of the regular duties
3. Parents in equal shares; if no surviving then
                                                          of your job. See the Eligibility and Enrollment chapter
4. Brothers and sisters in equal shares;                  for details.
   if no surviving then
5. Executor or Administrator of your estate.              An Early Payout
                                                          Due to Terminal Illness
                                                          If you are terminally ill, you may receive up to 50 percent
                                                          of the coverage amount you have chosen while you are
                                                          still living. Payment may be made in a lump sum or 12
                                                          monthly installments. Upon your death, your benefici-
                                                          ary(s) will receive the remaining 50%. This benefit is
                                                          referred to as the Accelerated Benefit Option.

                                                          You are terminally ill if:

                                                          • There is no reasonable prospect of recovery;
                                                          • Death is expected within 12 months; and
                                                          • A doctor can certify the illness or injury as terminal.
                                                          There may be some circumstances when the
                                                          Accelerated Benefit Option will not be paid.
                                                          Contact Prudential for details.

                                                          Tax laws are complex. Please consult with a tax
                                                          professional to assess the impact of this benefit.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362           133
                 When Benefits Are Not Paid                                     Converting to an Individual Policy
                 Benefits will not be paid to any beneficiary(s) who             You can convert all or a portion of your coverage to an
                 engaged in an illegal act that resulted in the death of the   individual whole life policy when your coverage ends.
                 associate. Instead, the benefit would go to another eligi-     You must request the conversion and pay the first premi-
                 ble beneficiary or to your estate.                             um within 31 days of the date your coverage ends.

                 No benefits will be paid to your beneficiary(s) if you die      If your death occurs during the 31 day conversion peri-
                 as a result of a self-inflicted injury or suicide while sane   od, the death benefit will be payable up to the amount
                 or insane during the first two years of coverage. If you       that could have been converted.
                 increase your coverage and you die as a result of a self-
                                                                               To request a conversion or for information
                 inflicted injury or suicide within two years of the date
                                                                               on other available options, call Prudential at
                 you increase your coverage, your beneficiary(s) will
                                                                               (877) 740-2116.
                 receive the prior coverage amount.
                                                                               For residents of Minnesota, you may elect to continue
                 If your beneficiary(s) files a claim within the first two
                                                                               coverage at your expense if your employment is termi-
                 years of your approval date, Prudential has the right to
                                                                               nated either voluntarily or involuntarily, or if you are laid
                 re-examine your Proof of Good Health questionnaire. If
                                                                               off, as long as the group policy is still in force with the
                 material facts about you were stated inaccurately, the
                                                                               employer. Coverage may be continued until you obtain
                 true facts will be used to determine what amount of
                                                                               coverage under another group policy or you return to
                 coverage should have been in effect, if any, and:
                                                                               work from lay-off; however, the maximum period that
                 • The claim may be denied; and                                coverage may be continued is 18 months.
                 • Your premiums may be adjusted.
                                                                               If You Leave the
                 When Coverage Ends                                            Company and Then Are Rehired
                 Your optional life insurance coverage ends:                   If you return to work within 30 days and you previously
                                                                               had Optional Life Insurance, your coverage will be rein-
                 • At termination of your employment;
                                                                               stated up to $25,000 (or the most similar option offered
                 • Upon failure to pay your premiums;                          under the Plan). Proof of Good Health will be required for
                 • On the date of your death;                                  coverage options above $25,000.
                 • On the date you lose eligibility;
                                                                               If you return to work after 30 days, you will be
                 • On the last day of an approved leave of                     considered newly eligible and will be required to
                   absence (unless you return to work);                        complete the applicable eligibility waiting period for
                 • When the benefit is no longer offered by                     your job classification. Proof of Good Health will be
                   the Company; or                                             required for coverage options above $25,000. See the
                 • Upon misrepresentation or fraudulent                        Eligibility and Enrollment chapter for details.
                   submission of a claim for benefits.




134   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




If You Go on a Leave of Absence                            Filing a Claim
For information about making payments while                Within 12 months of the covered associate’s death,
on a Leave of Absence, see the Eligibility and             the beneficiary must contact Prudential at
Enrollment chapter.                                        (877) 740-2116, select the Life and Disability prompt,
                                                           and provide the following regarding the
If your coverage is canceled for failure to pay premiums
                                                           deceased associate:
while you are on leave and you return to Actively-At-
Work status within one year of cancellation, you will be   • Name;
required to provide Proof of Good Health for all cover-    • Social Security number;
age options.Your coverage will be effective the first day
                                                           • Date of death; and
of the pay period that you meet the Actively-At-Work
requirement, or upon approval by Prudential.               • Cause of death (if known).
                                                           • An original or certified copy of the death certificate is
If you return to Actively-At-Work status after one year,
                                                             required as proof of death. Mail the death certificate to:
you will be considered newly eligible and will be
required to complete the applicable eligibility waiting      Prudential—Wal-Mart Division




                                                                                                                         Optional Life Insurance
period for your job classification. Proof of Good Health      P.O. Box 13644
will be required for coverage options above $25,000.         Philadelphia, PA 19176

Special rules may apply if you are on or return            The claim will not be finalized until the death certificate
from an FMLA or Military Leave of Absence. See the         is received. Acceptance of the death certificate is not a
Eligibility and Enrollment chapter for details.            guarantee of payment.

                                                           Claims will be determined under the time frames
                                                           and requirements set out in the Claims and Appeals
                                                           chapter.Your beneficiary has the right to appeal a claim
                                                           denial. See the Claims and Appeals chapter for details.

                                                           Benefits are paid according to the terms of the
                                                           insurance policy. For more details, contact Prudential
                                                           at (877) 740-2116.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            135
 Dependent Life Insurance

      Where Can I Find?
      Enrolling in Dependent Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 138
      When Your Dependent Life Insurance Coverage Is Effective . . . . . . . . . . . . . . . . . . . . . . . 139
      Filing a Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 139
      When Benefits Are Not Paid. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 140
      When Coverage Ends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 140
      Converting to an Individual Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 140
      If You Leave the Company and Then Are Rehired . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 141
      If You Go on a Leave of Absence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 141




        This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by Prudential, the terms of the policy will govern.
                              You may obtain a copy of the policy by contacting Prudential.
                                           2008 Wal-Mart Associate Benefits Book




Dependent Life Insurance
The loss of your spouse could mean the loss of an income or a need for child care. The loss of
a child could mean medical bills and funeral expenses. While you and your family are dealing
with the emotional burden the loss of a family member brings, you can receive help for the
financial consequences through Dependent Life Insurance. Think about the expenses you
would have if your spouse or child died. Dependent Life Insurance could ease your financial
situation, helping your family get through a difficult time.


Optional Life Insurance Resources
Find What You Need                     Online                                  Other Resources

Get more details                                                               Call Prudential at (877) 740-2116
about life Insurance




                                                                                                                   Dependent Life Insurance
Convert to an                                                                  Call Prudential at (877) 740-2116
individual policy


File a claim                                                                   Call Prudential at
                                                                               (877) 740-2116




What You Need to Know About Dependent Life Insurance
• All Full-Time hourly associates (including Full-Time hourly pharmacists, Field Logistics Associates, and
  Field Supervisor Positions in stores and clubs), Full-Time Truck Drivers, and management associates can enroll
  their spouse and/or children in Dependent Life Insurance.
• Proof of Good Health for your spouse is required if you enroll for a coverage amount above $5,000 during your
  Initial Enrollment Period or for any coverage amount if you enroll at any other time.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362      137
                 Enrolling in                                                 You are automatically assigned as the primary benefi-
                 Dependent Life Insurance                                     ciary of your dependent’s life insurance coverage. If
                 All Full-Time hourly associates (including Full-Time         you and your covered dependent(s) die at the same
                 hourly pharmacists, Field Logistics Associates, and Field    time, benefits will be paid to your dependent’s estate
                 Supervisor Positions in stores and clubs), Full-Time Truck   or to a surviving relative of the dependent at
                 Drivers, and management associates can enroll their          Prudential’s option.
                 spouse and/or children in Dependent Life Insurance. If
                                                                              The cost of Dependent Life Insurance for your spouse is
                 your spouse and/or child(ren) dies, you may receive a
                                                                              based on the coverage amount you select and your (the
                 lump-sum payment for the coverage amount you select.
                                                                              associate’s) age.The cost of coverage for your children is
                 Dependent Life Insurance is insured by The Prudential
                                                                              based on the coverage amount your select
                 Insurance Company of America (Prudential).
                                                                              You can enroll in Dependent Life Insurance at any
                 Your coverage choices for Dependent Life Insurance are:
                                                                              time—Proof of Good Health is required for your spouse
                 • Spouse:                                                    if you enroll after your Initial Enrollment Period. Also, you
                                                                              can change or drop coverage at any time. However if you
                   —$5,000
                                                                              want to increase your spouse’s coverage or re-enroll after
                   —$15,000                                                   dropping coverage, you will be required to provide Proof
                   —$25,000                                                   of Good Health for your spouse.

                 • Child:
                                                                              Proof of Good Health
                   —$2,000 per child                                          Proof of Good Health is required for your spouse’s
                   —$5,000 per child                                          Dependent Life Insurance coverage if:

                   —$10,000 per child                                         • The coverage amount selected is above $5,000 dur-
                 Depending on the coverage amount you choose and                ing your Initial Enrollment Period;
                 when you enroll, your spouse may be required to pro-         • You enroll after your Initial Enrollment Period for any
                 vide Proof of Good Health.You do not have to provide           amount; or
                 Proof of Good Health for your children.                      • You increase your coverage after your Initial
                                                                                Enrollment Period.
                                                                              Proof of Good Health includes completing a question-
                                                                              naire regarding your spouse’s medical history and possi-
                                                                              bly requiring your spouse to have a medical exam.The
                                                                              Proof of Good Health questionnaire is made available
                                                                              when you enroll your spouse. Proof of Good Health is
                                                                              not required for children.




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                                             2008 Wal-Mart Associate Benefits Book




When Your Dependent Life                                    Filing a Claim
Insurance Coverage Is Effective                             Within 12 months of the covered associate’s
If Proof of Good Health is required, your spouse’s cover-   death, the beneficiary should contact Prudential at
age will generally become effective the first day of the     (877) 740-2116, select the Life and Disability
pay period in which the Wal-Mart Benefits Department         prompt, and provide the following regarding the
receives approval from Prudential. If your spouse should    deceased associate:
die before Prudential approves coverage, no Dependent
                                                            • Name;
Life Insurance benefit will be paid to you.
                                                            • Social Security number;
If Proof of Good Health is not required, your coverage
                                                            • Date of death; and
will be effective on the date you enroll or at the end of
your eligibility waiting period, whichever is later.        • Cause of death (if known)
                                                            An original or certified copy of the death certificate is
If your spouse is confined to a Hospital or home,            required as proof of death. Mail the death certificate to:
coverage will be delayed until the spouse has a
medical release.                                            Prudential–Wal-Mart Division




                                                                                                                        Dependent Life Insurance
                                                            P.O. Box 13644
If a dependent child is born alive and dies within 60       Philadelphia, PA 19176
days of birth and:
                                                            The claim will not be finalized until the death certificate
• Was enrolled in Dependent Life Insurance prior to         is received. Acceptance of the death certificate is not a
  the loss, Prudential will pay the enrolled benefit.        guarantee of payment.

• Was not enrolled in Dependent Life Insurance prior        Claims will be determined under the time frames
  to the loss—with a live birth certificate and a death      and requirements set out in the Claims and Appeals
  certificate—Prudential will pay a $2,000 benefit only.      chapter.Your beneficiary has the right to appeal a claim
  (Premium owed will be payroll deducted.)                  denial. See the Claims and Appeals chapter for details.

                                                            Benefits are paid according to the terms of the
                                                            insurance policy. For more details, contact Prudential
                                                            at (877) 740-2116.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362           139
                 When Benefits Are Not Paid                                     When Coverage Ends
                 No benefits will be paid to you if your spouse or depend-      Your Dependent Life Insurance coverage ends:
                 ent dies as a result of a self-inflicted injury or suicide
                                                                               • At termination of your employment;
                 while sane or insane during the first two years of cover-
                 age. If you increase your coverage and your spouse or         • Upon failure to pay your premiums;
                 dependent child dies as a result of a self-inflicted injury    • On the date of your death;
                 or suicide within two years of the increase in coverage,      • On the date you or a dependent spouse or child
                 you will receive the prior coverage amount.                     loses eligibility;
                 Benefits may not be paid to any beneficiary who                 • On the last day of an approved Leave of Absence
                 engaged in an illegal act that resulted in the death of the     (unless you return to work);
                 insured. Instead, the benefit may go to another eligible       • When the benefit is no longer offered by the
                 beneficiary or to the insured’s estate.                          Company; or

                 If you file a claim for your spouse within the first two        • Upon misrepresentation or fraudulent submission of
                 years of your approval date, Prudential has the right to        a claim for benefits.
                 re-examine your Proof of Good Health questionnaire. If        Converting to
                 material facts about your spouse were stated inaccurate-      an Individual Policy
                 ly, the true facts will be used to determine what amount      You can convert all or a portion of your dependent’s
                 of coverage should have been in effect, if any, and:          coverage to an individual whole life policy when your
                 • The claim may be denied; and                                coverage ends. You must request the conversion and
                                                                               pay the first premium within 31 days of the date your
                 • Your premiums may be adjusted.
                                                                               coverage ends.

                                                                               To request a conversion or for information
                                                                               on other available options, call Prudential at
                                                                               (877) 740-2116.

                                                                               For residents of Minnesota, you may elect to continue
                                                                               coverage at your expense if your employment is termi-
                                                                               nated either voluntarily or involuntarily, or if you are laid
                                                                               off, as long as the group policy is still in force with the
                                                                               employer. Coverage may be continued until you obtain
                                                                               coverage under another group policy or you return to
                                                                               work from lay-off; however, the maximum period that
                                                                               coverage may be continued is 18 months.




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                                            2008 Wal-Mart Associate Benefits Book




If You Leave the Company                                    If You Go on
and Then Are Rehired                                        a Leave of Absence
If you return to work within 30 days and you previously     For information about making payments while on a
had Dependent Life Insurance, your coverage will be         Leave of Absence, see the Eligibility and Enrollment
reinstated up to $5,000 (or the most similar option         chapter.
offered under the Plan). Proof of Good Health will be
                                                            If your coverage is canceled for failure to pay premiums
required for spouse coverage options above $5,000.
                                                            while you are on leave and you return to Actively-At-
Child coverage options in any amount will be reinstated.
                                                            Work status within one year of cancellation, you will be
If you return to work after 30 days, you will be consid-    required to provide Proof of Good Health for all spouse
ered newly eligible and will be required to complete the    coverage options.Your coverage will be effective the first
applicable eligibility waiting period for your classifica-   day of the pay period that you meet the Actively-At-
tion. Proof of Good Health will be required for spouse      Work requirement, or upon approval by Prudential.
coverage options above $5,000. See the Eligibility and
                                                            If you return to Actively-At-Work status after one
Enrollment chapter for details.
                                                            year, you will be considered newly eligible and will




                                                                                                                        Dependent Life Insurance
                                                            be required to complete the applicable eligibility wait-
                                                            ing period for your job classification. Proof of Good
                                                            Health will be required for spouse coverage options
                                                            above $5,000.

                                                            Special rules may apply if you are on or return
                                                            from an FMLA or Military Leave of Absence. See the
                                                            Eligibility and Enrollment chapter for details.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362           141
Accidental Death and
Dismemberment (AD&D) Insurance

    Where Can I Find?
    Enrolling in Accidental Death and Dismemberment Insurance . . . . . . . . . . . . . . . . . . . . 144
    Naming a Beneficiary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 144
    If You Do Not Name a Beneficiary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 145
    AD&D Coverage Amounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 145
    When AD&D Benefits Are Paid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 145
    Additional AD&D Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 147
    When Benefits Are Not Paid. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 148
    Filing a Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 149
    When AD&D Coverage Ends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 149




       This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by MetLife, the terms of the policy will govern.
                               You may obtain a copy of the policy by contacting MetLife.
                                            2008 Wal-Mart Associate Benefits Book




Accidental Death and Dismemberment (AD&D) Insurance
Accidents are unpredictable and unavoidable. But you don’t have to be unprepared for the
financial consequences of a serious injury or death. Accidental Death and Dismemberment
insurance is available to you and your family, and Proof of Good Health is not required. If you




                                                                                                                  Accidental Death and Dismemberment (AD&D) Insurance
choose coverage and experience a covered loss, Accidental Death and Dismemberment ben-
efits can help pay the cost of medical care, child care, and education expenses.


Accidental Death and Dismembertment Insurance Resources
Find What You Need                     Online                                    Other Resources

Change your                             the WIRE or                              A form also is available from
beneficiary designation                                                           your personnel representative.
                                        walmartbenefits.com
                                                                                 Beneficiary changes cannot be
                                                                                 made over the phone.


Get more details                                                                 Call the Benefits Department
about AD&D Insurance                                                             at (800) 421-1362 or
                                                                                 MetLife at (800) 638-6420


File a claim                                                                     Call Wal-Mart Benefits at
                                                                                 (800) 421-1362




What You Need to Know About AD&D Insurance
• All Full-Time hourly associates (including Full-Time hourly pharmacists, Field Logistics Associates, and
  Field Supervisor Positions in stores and clubs), Full-Time Truck Drivers, and management associates have
  the option to enroll in AD&D insurance.
• Proof of Good Health is not required for associate-only or family AD&D insurance, regardless of the
  coverage amount you choose.
• AD&D insurance pays a lump-sum benefit for loss of life, limb, sight, speech, or hearing, or paralysis
  due to an accident.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362     143
                 Enrolling in Accidental Death                                Naming a Beneficiary
                 and Dismemberment Insurance                                  When you enroll, you must name a beneficiary(s) to
                 All Full-Time hourly associates (including Full-Time         receive your AD&D insurance benefit if you die.You (the
                 hourly pharmacists, Field Logistics Associates, and Field    associate) will receive any benefits payable for your cov-
                 Supervisor Positions in stores and clubs), Full-Time Truck   ered dependents.
                 Drivers, and management associates can enroll in
                                                                              You can name anyone you wish. If the beneficiary(s) you
                 Accidental Death and Dismemberment (AD&D) insur-
                                                                              have listed with the Company differs from those named
                 ance. AD&D insurance pays a lump-sum benefit to you or
                                                                              in your will, the list that the Company has prevails.
                 your beneficiary(s) if you or your covered dependent(s)
                 has a loss of life, limb, sight, speech, or hearing, or      The following information is needed when naming your
                 becomes paralyzed due to an accident.                        beneficiary(s):

                 You have two AD&D coverage decisions.You choose              • Beneficiary(s) name
                 whom you want to cover and your coverage amount.
                                                                              • Beneficiary(s) current address
                 You choose to cover:                                         • Beneficiary(s) phone number

                 • Associate only                                             • Beneficiary(s) relationship to you

                 • Family                                                     • Beneficiary(s) Social Security number

                 Your associate coverage amount choices for Accidental        • Beneficiary(s) date of birth
                 Death and Dismemberment insurance are listed below.          • The percentage you wish to designate per benefici-
                 The coverage amount for your family will be a percent-         ary up to 100 percent
                 age of coverage amount you choose for yourself (see          The benefit will be shared equally by all beneficiaries list-
                 AD&D Coverage Amounts later in this chapter).The             ed unless specific percentage designations are elected.
                 amounts available for you to choose as your associate
                 coverage amount are:                                         You can name a minor as a beneficiary. However, MetLife
                                                                              may not be legally permitted to pay the minor until the
                 • $25,000                                                    minor reaches legal age.You may want to consult with
                 • $50,000                                                    an attorney before naming a minor as a beneficiary. If
                 • $75,000                                                    you name a minor as a beneficiary, funeral expenses can-
                                                                              not be paid from the minor’s beneficiary proceeds.
                 • $100,000
                 • $150,000                                                   It is important to keep your beneficiary information up-
                                                                              to-date. Proceeds will go to whoever is listed on your
                 • $200,000
                                                                              beneficiary form on file with the AHWP, regardless of
                 The amount of your benefit depends on the type of loss.
                                                                              your current relationship with that person.
                 See When AD&D Benefits Are Paid later in this chapter
                 for more detail.
                                                                              Changing Your Beneficiary
                 You can enroll in or make changes to your AD&D insur-        Your beneficiary(s) can be changed at any time by using:
                 ance during your Initial Enrollment Period, the Annual
                                                                              • the WIRE;
                 Enrollment period, or when you have a Status Change
                                                                              • walmartbenefits.com; or
                 Event. For more information, see the Eligibility and
                 Enrollment chapter.                                          • Forms provided by your personnel representative.

                 The cost of AD&D insurance is based on the coverage
                 amount you select and whether you choose associate
                 only or family coverage.




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If You Do Not                                                    AD&D Coverage Amounts
Name a Beneficiary                                                The coverage amount you enroll in is the coverage
If there is no beneficiary designated or no surviving ben-        amount that applies to you, the associate. If you
eficiary at your death, MetLife will determine the benefi-         enroll in family coverage, your family members’
ciary to be one or more of the following surviving you:          coverage amount is a percentage of your associate
                                                                 coverage amount. The coverage amount for your




                                                                                                                                 Accidental Death and Dismemberment (AD&D) Insurance
1. Widow or widower; if no surviving; then
                                                                 family members depends on your family unit. See
2. Children in equal shares; if no surviving; then               the chart Full Benefit Amount for information on
3. Parents in equal shares; if no surviving; then                the coverage amount for your family members.
4. Brothers and sisters in equal shares; if no
   surviving; then                                               When AD&D Benefits Are Paid
                                                                 If you or a dependent (if you choose family coverage)
5. Executor or Administrator of your estate.
                                                                 sustains an accidental injury that is the direct and sole
                                                                 cause of a covered loss described below (in Full Benefit,
If two or more beneficiaries are designated and their
                                                                 50 percent of Full Benefit, 25 percent of Full Benefit, and
shares are not specified, they will share the insurance
                                                                 Two Times Full Benefit), proof of the accidental injury
benefit equally.
                                                                 and covered loss must be sent to MetLife.

                                                                 Direct and sole cause means that the covered loss occurs
                                                                 within 12 months of the date of the accidental injury
                                                                 and was a direct result of the accidental injury, inde-
                                                                 pendent of other causes.

                                                                 MetLife will deem a loss to be the direct result of an
                                                                 accidental injury if it results from unavoidable exposure
                                                                 to the elements and such exposure was a direct result
                                                                 of an accident.

                                                                 Paralysis means loss of use, without severance, of a limb.
                                                                 A doctor must determine that the loss is complete and
                                                                 not reversible. Severance means complete separation
                                                                 and dismemberment of the limb from the body.



 Full Benefit Amount

Associate Coverage         If family unit includes: If family unit includes:                          If family unit includes:
Amount                     Spouse Only              Spouse and Children                               Children Only
Associate - 100 percent    Spouse - 50 percent      Spouse - 40 percent        Children -10 percent   Children - 25 percent

$25,000                    $12,500                  $10,000                    $2,500                 $6,250

$50,000                    $25,000                  $20,000                    $5,000                 $12,500

$75,000                    $37,500                  $30,000                    $7,500                 $18,750

$100,000                   $50,000                  $40,000                    $10,000                $25,000

$150,000                   $75,000                  $60,000                    $15,000                $37,500

$200,000                   $100,000                 $80,000                    $20,000                $50,000




                          Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                 145
                 Full Benefit                                                    • Hand or foot and sight in one eye—Permanent sev-
                 The following covered losses are payable at the                  erance through or above the wrist but below the
                 Full Benefit:                                                     elbow or permanent severance at or above the ankle
                                                                                  but below the knee, with total and irrecoverable loss
                 • Life                                                           of sight in one eye.
                 • Exposure — Death due to unavoidable                          • Paraplegia—Total paralysis of both lower limbs.
                   exposure to the elements which was a direct                    Paralysis means loss of use of a limb, without sever-
                   result of an accident.                                         ance. A physician must determine the paralysis to
                 • Disappearance — Death will be presumed as a result             be permanent, complete and irreversible.
                   of an accidental injury if:                                  • Hemiplegia—Total paralysis of upper and lower
                   —The aircraft or other vehicle in which you and/or a           limbs on one side of the body.
                    dependent were traveling disappears, sinks, or is
                    wrecked; and
                                                                                50 Percent of Full Benefit
                                                                                • Brain damage—Brain damage means permanent
                   —The body of the person who has disappeared is not             and irreversible physical damage to the brain caus-
                    found within one year of:                                     ing the complete inability to perform all the sub-
                          —the date the aircraft or other vehicle was             stantial and material functions and activities normal
                           scheduled to have arrived at its destination,          to everyday life. Such damage must manifest itself
                           if traveling in an aircraft or other vehicle           within 30 days of the accidental injury, require a
                           operated by a common carrier; or                       Hospitalization of at least five days and persist for
                                                                                  12 consecutive months after the date of the acci-
                          —the date the person is reported missing to the
                                                                                  dental injury.
                           authorities, if traveling in any other aircraft or
                           other vehicle.                                       • Hand or foot—Permanent severance through or
                                                                                  above the wrist but below the elbow or permanent
                 • Both hands, both feet, or sight in both eyes—
                                                                                  severance at or above the ankle but below the knee.
                   Permanent severance through or above the wrists
                   but below the elbows and permanent severance at              • Sight in one eye—Total and irrecoverable loss of
                   or above the ankles but below the knees or total and           sight in one eye.
                   irrecoverable loss of sight. Loss of sight means a per-      • Speech or hearing in both ears—The entire and
                   manent and uncorrectable loss of sight in the eye.             irrecoverable loss of speech that continues for six
                   Visual acuity must be 20/200 or worse in the eye or            months following the accidental injury or the entire
                   the field of vision must be less than 20 degrees.               and irrecoverable loss of hearing in both ears that
                 • One hand and one foot—Permanent severance                      continues for six consecutive months following the
                   through or above the wrist but below the elbow and             accidental injury.
                   permanent severance at or above the ankle but                25 Percent of Full Benefit
                   below the knee.                                              • Loss of hearing in one ear
                 • One arm or one leg—Permanent severance of one                • Thumb and index finger of the same hand—
                   arm at or above the elbow or permanent severance               Permanent severance of each through or above the
                   of a leg at or above the knee.                                 joint closest to the wrist.
                 • Speech and hearing in both ears—The entire and               • Uniplegia—Total paralysis of one arm or leg.
                   irrecoverable loss of speech that continues for six
                   months following the accidental injury. The entire           Two Times Full Benefit
                   and irrecoverable loss of hearing in both ears that          • Quadriplegia—Total paralysis of both upper and
                   continues for six consecutive months following the             lower limbs.
                   accidental injury.




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Coma Benefit                                                   A copy of the police report must be submitted with
If you or your covered dependent(s) are comatose or           the claim.
become comatose within 31 days as the result of an acci-
                                                              Passenger Car means any validly registered four-wheel
dent, a coma benefit equal to 1 percent of the Associate
                                                              private passenger car, four-wheel drive vehicle, sports-
Coverage Amount will be paid for 11 consecutive
                                                              utility vehicle, pick-up truck or mini-van. It does not
months to you, your spouse, your children, or a legal




                                                                                                                         Accidental Death and Dismemberment (AD&D) Insurance
                                                              include any commercially licensed car, any private car
guardian.The benefit is payable after 31 consecutive
                                                              being used for commercial purposes, or any vehicle used
days of being comatose. If you or your covered depend-
                                                              for recreational or professional racing.
ent(s) remains comatose beyond 11 months, the full sum
of the coverage, less any Accidental Death and                Seat belt means any restraint device that:
Dismemberment benefit already paid, will be made to            • Meets published United States Government
you or your designated beneficiary.                              safety standards;
Coma means a state of deep and total unconsciousness          • Is properly installed by the car manufacturer; and
from which the comatose person cannot be aroused.             • Is not altered after the installation.
Such state must begin within 31 days of the accidental
                                                              The term includes any child restraint device that meets
injury and continue for 31 consecutive days.
                                                              the requirements of state law.

Additional AD&D Benefits                                       Child Care Benefit
Additional benefits may be payable by the plan:
                                                              If you have a loss of life, the child care benefit will
• If you and/or your covered dependents suffer a loss         pay an overall maximum benefit of up to 5 percent of
  of life as a result of a covered accident that occurs       your
  while wearing a seat belt, a seat belt benefit may be        coverage amount to cover the cost of child care. The
  payable; and                                                dependent children must be under age 13 and enrolled
                                                              in a child care center on the date of the accident or
• If you (the associate) lose your life, a child care
                                                              within 12 months after the accident.There is a $7,500
  benefit, child education benefit, or spouse education
                                                              yearly maximum.
  benefit may be payable.
                                                              • The benefit will be paid to the surviving spouse or
Seat Belt Benefit
                                                                guardian for child care costs while your children are
If you or your covered dependent(s) has a loss of life as a
                                                                enrolled in a child care center. The child care center
result of a covered accident that occurs while wearing a
                                                                must be operated in accordance with applicable laws
seat belt while driving or riding in a private passenger
                                                                and regulations and provide child care in a group
car, an additional benefit of $10,000 will be paid to you
                                                                setting on a regular daily basis.
or your beneficiary(s).
                                                              • The benefit will be paid when MetLife receives proof
The following criteria must be met in order for the             that child care charges have been paid. Benefits will
additional benefit to be paid.                                  be paid quarterly.

• The seat belt must have been in actual use and
  properly fastened at the time of the accident.
• The vehicle must have been equipped with a manu-
  facturer’s installed seatbelt; this includes a properly-
  installed child safety device that meets the require-
  ments of state and federal law.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362           147
                 Child Education Benefit                                          When Benefits Are Not Paid
                 If you have a loss of life, an additional benefit will be paid   Accidental Death and Dismemberment benefits will
                 to each of your dependent children who meet the fol-            not be paid for any loss caused or contributed to by
                 lowing criteria:                                                the following:

                 • Children who are enrolled as full-time students in an         • Intentionally self-inflicted injuries while sane
                   accredited college, university, or vocational school            or insane
                   above the 12th grade level on the date of your                • Suicide or attempted suicide
                   death; or
                                                                                 • Losses that occur in a declared or undeclared war,
                 • Children at the 12th grade level who enroll in an               insurrection, rebellion, riot, or terrorist act
                   accredited college, university, or vocational school
                                                                                 • Service in the armed forces of any country or
                   within one year after the date of your death.
                                                                                   international authority, except the United States
                 The benefit will be paid semi-annually for up to four con-         National Guard
                 secutive academic years, not to exceed a maximum of
                                                                                 • Injuries that occur during the commission
                 $20,000 per academic year or an overall maximum of 10
                                                                                   or attempted commission of a felony by a
                 percent of the Associate Coverage Amount. The benefit
                                                                                   covered participant
                 will be paid when MetLife receives proof that tuition
                 charges have been paid.                                         • Infection, other than infection occurring in an
                                                                                   external accidental wound
                 Spouse Education Benefit                                         • Physical or mental illness or infirmity, or the
                 If you have a loss of life, an additional benefit will be          diagnosis or treatment of such illness or infirmity
                 paid to your spouse as long as the following criteria           • Losses due to sickness or disease or voluntary
                 are met:                                                          intake or use by any means of poison, gas, or fumes,
                                                                                   or alcohol in any combination with any drug,
                 • Your spouse is enrolled in an accredited school on
                                                                                   medication, or sedative unless it is taken or used as
                   the date of your death; or
                                                                                   prescribed by a physician, or an “over-the-counter”
                 • Your spouse enrolls in an accredited school within
                                                                                   drug, medication or sedative taken as directed
                   12 months after the date of your death.
                                                                                 • Any loss where the injured party is intoxicated at the
                 The benefit will be paid for up to four consecutive aca-
                                                                                   time of the incident and is the operator of a vehicle
                 demic years, not to exceed a maximum of $20,000 per
                                                                                   or other device involved in the incident. Intoxicated
                 academic year or an overall maximum of 10 percent of
                                                                                   means that the injured person’s blood alcohol level
                 the Associate Coverage Amount.The benefit will be paid
                                                                                   met or exceeded the level that creates a legal pre-
                 in a lump sum when MetLife receives proof that tuition
                                                                                   sumption of intoxication under the laws of the juris-
                 charges have been paid.
                                                                                   diction in which the incident occurred
                                                                                 • Travel or flight if the airplane is being used for test or
                                                                                   experimental purposes, military authority, or for trav-
                                                                                   el or designed for travel beyond the earth’s atmos-
                                                                                   phere as determined by MetLife at its sole discretion




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                                            2008 Wal-Mart Associate Benefits Book




Filing a Claim                                             If You Leave the Company
Within 90 days of the loss, call the Benefits Department    and Then Are Rehired
at (800) 421-1362 and provide the following:               If you return to work within 30 days, you will automati-
                                                           cally be re-enrolled for the same coverage options (or
• Name,                                                    the most similar options offered under the Plan).
• Associate’s Social Security number;




                                                                                                                       Accidental Death and Dismemberment (AD&D) Insurance
                                                           If you return to work after 30 days, you will be consid-
• Date of death or dismemberment; and
                                                           ered newly eligible and will be required to complete the
• Cause of death or dismemberment (if known).              applicable eligibility waiting period.
MetLife will send a claim packet to you. Complete the
                                                           See the Eligibility and Enrollment chapter for details.
information required and return the claim forms with an
original or certified copy of the death certificate, when
                                                           If You Go on a Leave of Absence
applicable, to:
                                                           For information about making payments while on a
MetLife Group Life Claims                                  Leave of Absence, see the Eligibility and Enrollment
P.O. Box 3016                                              chapter.
Utica, New York 13504-3016
                                                           If your coverage is canceled for failure to pay premiums
Benefits can be paid in a lump sum or, upon written
                                                           while you are on leave and you return to Actively-At-
request, in monthly installments. If you or a covered
                                                           Work status within one year of cancellation you will
dependent sustains more than one covered loss due to
                                                           automatically be re-enrolled for the same coverage
an accidental injury, the amount paid, on behalf of any
                                                           options you had prior to your Leave of Absence.Your
such injured person, will not exceed the full amount of
                                                           coverage will be effective the first day of the pay period
the benefit.
                                                           that you meet the Actively-At-Work requirement.
Claims will be determined under the time frames and
                                                           If you return to work after one year of cancellation, you
requirements set out in the Claims and Appeals chapter.
                                                           will be treated as newly eligible and you can enroll for
You or your beneficiary has the right to appeal a claim
                                                           coverage within the applicable waiting period described
denial. See the Claims and Appeals chapter for details.
                                                           in the Eligibility and Enrollment chapter.

When AD&D Coverage Ends                                    Special rules may apply if you are on or return from an
Your Accidental Death and Dismemberment                    FMLA or Military Leave of Absence.
coverage ends:
                                                           See the Eligibility and Enrollment chapter for details.
• At termination of your employment;
• Upon failure to pay your premiums;
• On the date of your death;
• On the date you or a dependent spouse or child
  loses eligibility;
• On the last day of an approved Leave of Absence
  (unless you return to work); or
• When the benefit is no longer offered by
  the Company.
Accidental Death and Dismemberment coverage cannot
be converted to individual coverage after coverage ends.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362          149
  Short-Term Disability

       Where Can I Find?
       Enrolling in Short-Term Disability and When Coverage is Effective . . . . . . . . . . . . . . . . 152
       When You Qualify for Short-Term Disability Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 153
       Filing a Claim for Short-Term Disability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 153
       When Short-Term Disability Benefits Begin. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 154
       Your Short-Term Disability Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 154
       Continuing Benefit Coverage While Disabled . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 155
       When Short-Term Disability Benefits End. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 156
       If You Leave the Company and Are Rehired. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 157
       If You are On a Leave of Absence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 157




          This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by The Hartford, the terms of the policy will govern.
                               You may obtain a copy of the policy by contacting The Hartford.
                                               2008 Wal-Mart Associate Benefits Book




Short-Term Disability
Pregnancy, a scheduled surgery, or an unplanned illness or injury could keep you off the job
and off the payroll for an extended period of time. Enrollment in the Short-Term Disability
Plan protects part of your paycheck if you become disabled for more than 14 days. When you
can’t work, the Wal-Mart Short-Term Disability Plan works for you. This income protection plan
is an important part of the Wal-Mart benefit package.


 Short-Term Disability Resources
 Find What You Need                       Online                                      Other Resources

 Get more details about                   Email your question to                      Call The Hartford at (800) 492-5678
 Short-Term Disability                    askhartford@hartfordlife.com or
                                          walmartbenefits.com




                                                                                                                             Short-Term Disability
 If you live in California                Email your questions to                     Call the state of California at
                                          www.edd.ca.gov                              (800) 480-3287


 If you live in Hawaii                                                                Call The Hartford at (808) 534-7073


 If you live in New Jersey                                                            Call The Hartford at (800) 492-5678


 If you live in New York                                                              Call The Hartford at (800) 492-5678


 If you live in Rhode Island                                                          Call the state disability carrier at
                                                                                      (401) 462-8420


 File a claim within 90 days              Click on the “Disability” section of        Call The Hartford at (800) 492-5678
 of the date your disability began        walmartbenefits.com




What You Need to Know About Short-Term Disability
• All Full-Time hourly associates (including Full-Time hourly pharmacists, Field Logistics Associates,
  and Field Supervisor Positions in stores and clubs) are eligible to enroll in Short-Term Disability coverage.
  Enrollment in Short-Term Disability is required to enroll in Long-Term Disability.
• If you enroll after your initial eligibility period, your Short-Term Disability coverage will not begin until you
  complete a 12-month waiting period. Once coverage begins, benefits will be reduced during your first five
  Continuous years of coverage.
• While you are disabled, the Short-Term Disability Plan replaces 40 percent or 50 percent of your income, depend-
  ing on when you enroll for the coverage.




                             Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362          151
                 Enrolling in Short-Term Disability                            • After five continuous years of coverage—50 per-
                 and When Coverage is Effective                                  cent of your Average Weekly Wage up to the maxi-
                 All Full-Time hourly associates (including Full-Time            mum benefit, as long as you are Actively-At-Work at
                 hourly pharmacists, Field Logistics Associates, and Field       the end of the fifth year of coverage. Note: The five
                 Supervisor Positions in stores and clubs) are eligible to       years of continuous coverage period does not
                 enroll in Short-Term Disability coverage. Short-Term            include the 12-month waiting period.
                 Disability coverage is insured by The Hartford in all 50    Short-Term Disability benefits are different in the follow-
                 states except California and Rhode Island. For informa-     ing states: California, Hawaii, New Jersey, New York, and
                 tion on coverage in California and Rhode Island, call the   Rhode Island. For information about benefits in these
                 phone number listed in Short-Term Disability                states, call the number listed in Short-Term Disability
                 Resources at the beginning of this chapter.                 Resources at the beginning of this chapter.

                 You must be enrolled in Short-Term Disability coverage      If your job status changes from management to Full-
                 in order to enroll in Long-Term Disability coverage.        Time hourly, you will be automatically enrolled for Short-
                                                                             Term Disability and Short-Term Disability Plus coverage
                 Short-Term Disability provides up to 50 percent of your
                                                                             as though you had enrolled during your Initial
                 Average Weekly Wage for up to 26 weeks after a 14-day
                                                                             Enrollment Period. If you do not wish to carry this cover-
                 waiting period if you become Totally Disabled as defined
                                                                             age, you have 60 days to notify the Benefits Department.
                 by the Plan.The maximum weekly benefit under the
                                                                             Any premiums paid for the coverage will be refunded.
                 Short-Term Disability Plan is $600. For more information
                 about your Average Weekly Wage, see Your Short-Term
                                                                             The Cost of Short-Term
                 Disability Benefit later in this chapter.
                                                                             Disability Coverage
                 The date your coverage begins and the amount of your        Your cost for Short-Term Disability is based on your bi-
                 Short-Term Disability benefit depend on when you             weekly earnings and your age. Premiums are deducted
                 enroll for coverage:                                        from all wages including bonuses.You will not be
                                                                             required to pay Short-Term Disability premiums while
                 • If you enroll during your Initial Enrollment Period,      you are receiving Short-Term Disability benefits.
                   your coverage begins on your effective date. See the
                   Eligibility and Enrollment chapter for information on     Your Short-Term Disability costs differ in the
                   your Initial Enrollment Period and your effective date.   following states:

                 • If you enroll at any time after your Initial              • California
                   Enrollment Period as a late enrollee, you are             • Hawaii
                   required to finish a 12-month waiting period from the
                                                                             • New Jersey
                   date you enroll before your coverage is effective.You
                   will not pay Short-Term Disability premiums during        • New York
                   your 12-month waiting period.Your coverage will           • Rhode Island
                   become effective on the day you meet the 12-month
                                                                             Coverage During a Temporary
                   waiting period, provided you have been Actively At
                                                                             Layoff or Leave of Absence
                   Work for the previous six-month period.
                                                                             Once your Short-Term Disability coverage has begun, if
                 Once your coverage is effective, your benefit depends on     you are not Actively-At-Work due to an approved Leave
                 the length of time you have been covered under the          of Absence or a temporary layoff, you will continue to be
                 plan at the time of your Total Disability:                  eligible for Short-Term Disability benefits for 90 days
                                                                             from your last day of work.Your coverage will end on the
                   • First five continuous years of coverage—40 percent
                                                                             91st day. Coverage will reinstate if you return to Actively-
                     of your Average Weekly Wage.
                                                                             At-Work status within one year.




152   For more information, log on to walmartbenefits.com, 24/7 or
                                              2008 Wal-Mart Associate Benefits Book




When You Qualify for                                         • Any injury caused or contributed to by your being
Short-Term Disability Benefits                                  engaged in an illegal occupation;
In order to qualify for Short-Term Disability benefits,       • Any loss caused by any illness or injury for which
you must:                                                      workers’ compensation benefits are paid, or may be
                                                               paid, if properly claimed; or
• Submit medical evidence provided by a qualified
                                                             • Any injury sustained as a result of doing any work
  doctor that you are Totally Disabled as defined by
                                                               for pay or profit.
  the Plan; and
• Receive approval by The Hartford of your claim.            Filing a Claim for
The Hartford may require written proof of your disability    Short-Term Disability
or additional information before making a decision on        You must submit your Short-Term Disability claim
your claim. A statement by your physician(s) that “you       within 90 days of the date your disability begins to
are unable to work” does not in and of itself qualify you    assure benefits.
for Short-Term Disability benefits. Also note that            If you experience a disabling illness or injury, or are
approval of a medical Leave of Absence does not consti-      scheduled to begin maternity leave, follow these steps:
tute approval for Short-Term Disability benefits.




                                                                                                                         Short-Term Disability
                                                             STEP 1: Notify your supervisor as soon as you know
As defined by the plan, Total Disability means:               you will be absent from work due to an illness or injury.
• You are unable to perform the essential duties of Your     STEP 2: On or after your last day worked, call The
  Occupation according to the medical evidence pro-          Hartford at (800) 492-5678 to report the disability. You
  vided by a qualified doctor other than you or a family      may also report your disability online by clicking on the
  member (failure to meet requirements necessary to          Disability section of walmartbenefits.com. Processing of
  maintain a license to perform the duties of Your           your claim cannot begin until you have stopped working.
  Occupation does not mean you are Totally Disabled);
• You are under the continuous care of a qualified            STEP 3: Ask your doctor’s office to call The Hartford to
  doctor; and                                                provide medical information, including the following:

• The disability is due to injury, sickness, or pregnancy.     • Diagnosis;
If your Total Disability is the result of more than one        • Disability date and expected duration of disability;
cause, you will be paid as if they were one. The maxi-
                                                               • Restrictions and limitations;
mum benefit for any one period of disability is limited
to 26 weeks.                                                   • Exam findings and test results; and
                                                               • Treatment plan.
When Benefits Are Not Paid
Short-Term Disability benefits will not be paid for:          STEP 4: Follow-up with your doctor to ensure
                                                             information was forwarded to The Hartford.
• Any illness or injury that is not treated by a
  qualified doctor;                                           Claims will be determined under the time frames and
• Any loss caused by war or act of war (declared             requirements set out in the Claims and Appeals
  or not);                                                   chapter.You have the right to appeal a claim denial.
                                                             See the Claims and Appeals chapter for details.
• Any loss caused by illness or injury while in the
  armed services of any country engaged in war or            The Hartford may require written proof of your disability
  other armed conflict;                                       or additional medical information before your benefit
• Any injury caused by your commission of or attempt         payments begin.
  to commit a felony;
                                                             Call The Hartford the date you return to work.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362           153
                 When Short-Term                                                Your Short-Term Disability Benefit
                 Disability Benefits Begin                                       The amount of your Short-Term Disability benefit is
                 If you are approved for Short-Term Disability benefits,         based on:
                 the benefit will begin after a 14-day waiting period on
                                                                                • Your Average Weekly Wage; and
                 the 15th calendar day after your Total Disability begins.
                                                                                • Whether you enrolled for coverage during your
                 Any illness protection time, vacation days, or personal days     Initial Enrollment Period or as a late enrollee
                 you have may be used to substitute for the benefit waiting        (see Enrolling in Short-Term Disability earlier
                 period, but the time used cannot exceed 80 hours.                in this chapter).

                 Illness protection time is allowed up to the 15th calendar     The maximum weekly benefit under the Short-Term
                 day of an illness after The Hartford approves your claim       Disability Plan is $600.
                 for Short-Term Disability benefits.You must repay the
                                                                                Total Gross Pay includes:
                 Company for any illness protection time, vacation, per-
                 sonal time, or other types of benefit hours taken beyond        • Overtime;
                 the 14-day benefit waiting period.                              • Bonuses;
                 You will not accumulate illness protection time, vacation,     • Vacation;
                 personal time, or other types of benefit hours while you        • Illness protection (not including any previously paid
                 are receiving Short-Term Disability benefits.                     Disability benefits); and
                                                                                • Personal pay for the 26 pay periods prior to the
                                                                                  Total Disability.



                  Your Short-Term Disability Benefit
                  If You Enrolled                                    Your Benefit is
                  During your initial Enrollment Period              50 percent of your Average Weekly Wage
                                                                     For example, 50 percent of $400 is a $200 benefit

                  As a late enrollee and have been covered for       40 percent of your Average Weekly Wage
                  less than five continuous years
                                                                     For example, 40 percent of $400 is a $160 benefit




154   For more information, log on to walmartbenefits.com, 24/7 or
                                                2008 Wal-Mart Associate Benefits Book




 Average Weekly Wage
                                                      How Average Weekly Wage
 Length of Employment                                 is Determined
 Employed 12 months or more                           Total Gross Pay ÷ prior 52 weeks
                                                      For example, the Average Weekly Wage for an associate with a
                                                      Total Annual Gross Pay of $20,800 is $400 ($20,800 ÷ 52)


 Employed less than 12 months                         Total Gross Pay ÷ number of weeks worked
                                                      For example, the Average Weekly Wage for an associate with a
                                                      Total Gross Pay of $4,800 for 12 weeks of work is $400 ($4,800 ÷ 12)




Your Short-Term Disability benefit is 40 percent or              Continuing Benefit
50 percent your Average Weekly Wage, depending                   Coverage While Disabled
on whether you enrolled during your Initial                      If you wish to continue Medical, Dental, AD&D, Short-




                                                                                                                              Short-Term Disability
Enrollment Period.                                               Term Disability Plus, life insurance, Cancer Insurance
                                                                 Policy, and Accident Insurance Policy coverage while you
Your weekly benefit will be reduced by other benefits or
                                                                 are receiving Short-Term Disability benefits, you must
income you (or your family) receive or are eligible to
                                                                 make premiums payments each pay period.These
receive. Examples include, but are not limited to, income
                                                                 amounts will not be deducted from your Short-Term
from the following:
                                                                 Disability benefit payments. If you fail to pay your premi-
• Workers’ Compensation or any other governmental                ums for your other benefit option(s), your benefits may
  program that provides disability or unemployment               be canceled. See the Eligibility and Enrollment chapter
  benefits as a result of your job with the Company               for details.
• Employer-related individual policies
                                                                 The Company offers additional disability coverage—
• No-fault automobile insurance                                  Short-Term Disability Plus—that pays your payroll contri-
• Lump-sum payments or settlements related to                    butions for Medical, Dental, AD&D, Short-Term Disability
  the disability                                                 Plus, Optional Life Insurance, and Dependent Life
Please refer to the policy for a complete list of offsets.       Insurance for up to eight weeks while you are disabled
The policy can be obtained by calling The Hartford at            and receiving Short-Term Disability benefits. See the
(800) 492-5678.                                                  Short-Term Disability Plus chapter for more information.

The Hartford has the right to recover from you any               Your STD and LTD coverage will not be canceled if you
amount that is overpaid to you for Short-Term Disability         are receiving payments under this policy.You will not be
benefits under this Plan.                                         required to pay Short-Term Disability or Long-Term
                                                                 Disability premiums while you are receiving Short-Term
                                                                 Disability benefits.




                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               155
                 When Short-Term                                                If You Return to Work and
                 Disability Benefits End                                         Become Disabled Again
                 Short-Term Disability benefit payments will end on the          If you return to work for less than 30 calendar days of
                 earliest of:                                                   Full-Time Active Work and become Totally Disabled
                                                                                again from the same or a related condition that caused
                 • The date you are no longer Totally Disabled                  the first period of disability, your Short-Term Disability
                 • The date you fail to furnish proof that is satisfactory      benefits will pick up where they left off before you
                   to The Hartford that you are Totally Disabled                came back to work. There will be no additional waiting
                 • The date you are no longer under the regular care of         period. The combined benefit duration will not exceed
                   a physician                                                  26 weeks.

                 • The date you refuse to be examined, if The Hartford          If you have returned to Full-Time Active Work for more
                   requires an examination                                      than 30 calendar days and then become Totally Disabled
                 • The last day of the maximum period for which bene-           from the same or a related cause, it will be considered a
                   fits are payable (end of 26 weeks)                            new disability and you will be able to receive up to
                 • The date no further benefits are payable under any            another 26 weeks of benefits. A new 14-day benefit wait-
                   provision in the Short-Term Disability Plan that limits      ing period will apply.
                   benefit duration which would include refusal to work          If you have returned to active Full-Time Active Work for
                   in a similar position offered to you by Wal-Mart that        any number of calendar days and then become Totally
                   you are medically able and qualified to perform, with         Disabled from a new and unrelated cause, it will be con-
                   a rate of pay 50 percent or greater of your pre-dis-         sidered a new disability and you will be able to receive
                   ability earnings                                             up to 26 weeks of benefits. A new 14-day benefit waiting
                 • The date of your death                                       period will apply.
                 If you return to work within 30 days of the end of your
                 approved disability claim, you will be reinstated to the
                 disability coverage you had prior to your disability. If you
                 do not return to work within 30 days of the end of your
                 disability, your coverage will lapse until you return to
                 work and meet the Actively-At-Work requirement.




156   For more information, log on to walmartbenefits.com, 24/7 or
                                              2008 Wal-Mart Associate Benefits Book




If You Leave the                                              If You are
Company and Are Rehired                                       On a Leave of Absence
If you leave the Company and return to work for the           If your coverage is cancelled for failure to pay premi-
Company on a Full-Time basis within 30 days, you will         ums and you return to work on a Full-Time basis
automatically be re-enrolled in the same disability bene-     within one year of going on a Leave of Absence, you
fit option(s) (or the most similar options offered under       will automatically be re-enrolled in the same Short-Term
the Plan).                                                    Disability plan option(s) once the Actively-At-Work
                                                              requirement has been met.
If you return to work for the Company on a Full-Time
basis after 30 days, you will be considered newly eligible,   If your coverage is cancelled for failure to pay premi-
and you can enroll for coverage once the applicable           ums and you return to work on a Full-Time basis after
waiting period is met.                                        one year of going on a Leave of Absence, you will be
                                                              considered newly eligible, and you can enroll for Short-
If you return to work within 30 days and did not have
                                                              Term Disability coverage (including Short-Term Disability
disability coverage prior to your termination, you will
                                                              Plus) within the applicable waiting period described in
be considered a late enrollee if you elect disability
                                                              the Eligibility and Enrollment chapter.
coverage. See Enrolling for Short-Term Disability




                                                                                                                          Short-Term Disability
earlier in this chapter.                                      Special rules may apply if you are on or return from
                                                              an FMLA or Military Leave of Absence. See the
                                                              Eligibility and Enrollment chapter for more information.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            157
  Short-Term Disability Plus

       Where Can I Find?
       Enrolling in Short-Term Disability Plus and When Coverage is Effective . . . . . . . . . . . 160
       Short-Term Disability Plus Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 160
       Filing a Claim. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 160
       When Short-Term Disability Plus Benefits Begin . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 161
       Continuing Benefit Coverage While Disabled. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 161
       When Short-Term Disability Plus Benefits End. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 161
       If You Leave the Company and Are Rehired. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 161
       If You are On a Leave of Absence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 161




          This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by The Hartford, the terms of the policy will govern.
                               You may obtain a copy of the policy by contacting The Hartford.
                                             2008 Wal-Mart Associate Benefits Book




Short-Term Disability Plus
Health care insurance is an important financial safety net throughout your life. However, it
becomes even more critical while you’re disabled. Enrollment in the Short-Term Disability Plus
Program keeps your medical and other specified AHWP coverage in force at a time when you
need your benefits the most. The Plan pays your and your family’s premiums for up to 56 cal-
endar days while you are receiving Short-Term Disability benefits (after your 14-day Short-
Term Disability waiting period). Short-Term Disability Plus coverage allows you to focus on
receiving health care instead of worrying about how you are going to pay for it.


 Short-Term Disability Plus Program Resources
 Find What You Need                      Online                                     Other Resources




                                                                                                                         Short-Term Disability Plus
 Get more details about                  Email your question to                    Call The Hartford at (800) 492-5678
 Short-Term Disability Plus              askhartford@hartfordlife.com or
                                         walmartbenefits.com




What You Need to Know About Short-Term Disability Plus
• All Full-Time hourly associates (including Full-Time hourly pharmacists, Field Logistics Associates, and Field
  Supervisor Positions in stores and clubs) are eligible to enroll in Short-Term Disability Plus during their Initial
  Enrollment Period or at any other time. However, late enrollees will have a 12-month waiting period before
  coverage is effective.
• You must be enrolled in the Wal-Mart Short-Term Disability Plan or be covered by a state-supplied plan (New
  York, New Jersey, Hawaii) in order to enroll in the Short-Term Disability Plus Program.
• Short-Term Disability Plus pays your premiums for your Company-sponsored medical, dental, life insurance and
  other specified benefits for up to eight full weeks while you are receiving Short-Term Disability benefits.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362           159
                 Enrolling in Short-Term Disability  Short-Term
                 Plus and When Coverage is Effective Disability Plus Benefits
                 All Full-Time hourly associates (including Full-Time          Short-Term Disability Plus benefit amounts are based on
                 hourly pharmacists, Field Logistics Associates, and Field     the costs of your coverage options prior to your last day
                 Supervisor Positions in stores and clubs) who have            worked before your Total Disability began. Should any
                 enrolled in the Short-Term Disability Plan are eligible to    coverage costs increase after your disability begins, you
                 enroll in Short-Term Disability Plus. Short-Term Disability   will be responsible for paying the difference in your rates.
                 Plus is not available in California or Rhode Island. Short-
                                                                               You are responsible for your bi-weekly benefits pay-
                 Term Disability Plus coverage is insured by The Hartford.
                                                                               ments even if there are delays in processing your Short-
                 The date your coverage begins depends on when you             Term Disability claim.
                 enroll for coverage:
                                                                               The Hartford will forward your benefit payments directly
                 • If you enroll during your Initial Enrollment Period,        to the Associate Health and Welfare Plan (AHWP).The
                   your coverage begins on your effective date. See the        AHWP will apply this amount toward your premiums.
                   Eligibility and Enrollment chapter for information on
                   your Initial Enrollment Period and your effective date.     Filing a Claim
                 • If you enroll at any time after your Initial                You do not have to file a claim for Short-Term Disability
                   Enrollment Period as a late enrollee, you are               Plus benefits; a claim is automatically generated by
                   required to finish a 12-month waiting period from            The Hartford when you file a claim for Short-Term
                   the date you enroll before your coverage is effective.      Disability benefits.
                   You will not pay Short-Term Disability Plus premiums        In order to receive Short-Term Disability Plus benefits:
                   during your 12-month waiting period. Your coverage
                   will become effective on the day you meet the               • Your Short-Term Disability claim under the AHWP
                   12-month waiting period.                                      must be approved by The Hartford; or
                 If you are Totally Disabled and receiving Short-Term          • You must be receiving STD benefits through
                 Disability benefits, Short-Term Disability Plus coverage         a state-mandated disability plan in New York,
                 will pay your premiums for your Company-sponsored               New Jersey, or Hawaii.
                 medical (including HMO, but not including Starbridge),        For information on how to appeal a denied claim,
                 dental, Optional Life Insurance, Dependent Life               see the Claims and Appeals chapter.
                 Insurance, AD&D, and Short-Term Disability Plus benefits
                 for up to eight full weeks after a 14-day waiting period.
                 Short-Term Disability Plus does not pay for the Cancer
                 Insurance Policy or Accident Insurance Policy. See the
                 Eligibility and Enrollment chapter for details.

                 The cost for Short-Term Disability Plus is based on
                 whether or not you have medical coverage and if you
                 cover your family members under the Associates’
                 Medical Plan.




160   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




When Short-Term                                            If You Leave the
Disability Plus Benefits Begin                              Company and Are Rehired
The Short-Term Disability Plus Program begins paying       If you return to work for the Company on a Full-Time
benefits after a 14-calendar day benefit waiting period.     basis within 30 days, you will automatically be re-
                                                           enrolled in the same disability coverage.
Continuing Benefit
Coverage While Disabled                                    If you leave the Company and return to work for the
Because the Short-Term Disability Plus Program pays        Company on a Full-Time basis after 30 days, you will be
your premiums for your Company-sponsored medical,          considered newly eligible, and you can enroll for disabili-
dental, Optional Life Insurance, Dependent Life            ty coverage (including Short-Term Disability Plus) once
Insurance, AD&D, and Short-Term Disability Plus benefits,   the applicable waiting period is met.
your coverages will remain in force. However, if you are
enrolled in the Cancer Insurance Policy or Accident
                                                           If You are On a Leave of Absence
                                                           If your coverage is cancelled for failure to pay premiums
Insurance Policy, you must continue to pay your premi-
                                                           and you return to Actively-At-Work status within one
ums or your coverage may be canceled.




                                                                                                                         Short-Term Disability Plus
                                                           year of cancellation, you will automatically be reenrolled
If you are receiving Short-Term Disability benefits, you    in Short-Term Disability Plus once the Actively-At-Work
are not required to pay Short-Term Disability or Long-     requirement has been met.
Term Disability premiums.
                                                           If your coverage is cancelled and you return to work for
When Short-Term                                            the Company on a Full-Time hourly basis after one year,
Disability Plus Benefits End                                you will be considered newly eligible, and you can enroll
The Short-Term Disability Plus Program pays your premi-    for the Short-Term Disability Plus coverage after the
ums for 56 calendar days after your 14-day benefit wait-    applicable eligibility waiting period.
ing period.You are responsible for your premiums after     Special rules may apply if you are on or return
that time. If you do not pay your premiums, your cover-    from an FMLA or Military Leave of Absence. See the
age will be cancelled. Benefit payments will end on the     Eligibility and Enrollment chapter for details.
earliest of:

• The day you are no longer receiving
  Short-Term Disability;
• At the end of eight full weeks for which Short-Term
  Disability Plus benefits are payable; or
• The day of your death.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            161
  Long-Term Disability

       Where Can I Find?
       Enrolling in Long-Term Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 164
       When You Qualify for Long-Term Disability Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 165
       When Long-Term Disability Benefits Begin . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 166
       Filing a Long-Term Disability Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 166
       Your Long-Term Disability Benefit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 167
       If You Are Disabled and Working . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 169
       Continuing Benefit Coverage While Disabled . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 169
       When Long-Term Disability Benefits End . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 170
       If You Leave the Company and Are Rehired. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 171
       If You are On a Leave of Absence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 171




          This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by The Hartford, the terms of the policy will govern.
                               You may obtain a copy of the policy by contacting The Hartford.
                                              2008 Wal-Mart Associate Benefits Book




Long-Term Disability
Your paycheck is the foundation of your financial health. Think about how you would survive
financially if you became disabled and were unable to work. Your bills would keep coming,
even if your paychecks stopped. When you enroll, Wal-Mart’s Long-Term Disability Plan works
with other benefits you receive during disability to replace part of your paycheck. By reduc-
ing the financial stress of a disability, you can focus on getting well and getting back to work.


 Long-Term Disability Resources
 Find What You Need                       Online                                   Other Resources

 Get more details about                   Email your question to                   Call The Hartford at (800) 492-5678
 Long-Term Disability                     askhartford@hartfordlife.com or
                                          walmartbenefits.com




                                                                                                                          Long-Term Disability
 File a claim                                                                      Call The Hartford at (800) 492-5678


 File a claim if you live in California                                            Call the state of California at
                                                                                   (800) 480-3287 or
                                                                                   Call Wal-Mart Benefits at
                                                                                   (800) 421-1362




What You Need to Know About Long-Term Disability
• Full-Time hourly associates (including Full-Time hourly pharmacists, Field Logistics Associates, and Field
  Supervisor Positions in stores and clubs) enrolled in the Short-Term Disability Plan and management associates
  are eligible to enroll in the Long-Term Disability Plan.
• If you enroll after your Initial Eligibility Period, your Long-Term Disability coverage will not begin until you com-
  plete a 12-month waiting period. Once coverage begins, benefits will be reduced during your first five continu-
  ous years of coverage.
• The Long-Term Disability Plan works with any other benefits you receive while disabled to replace 40 percent or
  50 percent of your income, depending on when you enroll for the coverage.
• Long-term Disability benefits are paid at the end of each month.




                          Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362          163
                 Enrolling in                                                The date your coverage begins and the amount of your
                 Long-Term Disability                                        Long-Term Disability benefit depend on when you enroll
                 You are eligible to enroll in Long-Term Disability cover-   for coverage:
                 age if you are a:
                                                                             • If you enroll during your Initial Enrollment Period
                 • Full-Time hourly associate (including Full-Time             (see the Eligibility and Enrollment chapter for infor-
                   hourly pharmacists, Field Logistics Associates, and         mation on your Initial Enrollment Period and your
                   Field Supervisor Positions in stores and clubs) who is      effective date), your coverage amount will be 50 per-
                   also enrolled in the Short-Term Disability Plan; or         cent of your Average Monthly Wage.

                 • Management associate.                                     • If you enroll at any time after your Initial Enrollment
                                                                               Period as a late enrollee, you are required to finish a
                 Long-Term Disability begins paying benefits after a wait-
                                                                               12-month waiting period from the date you enroll
                 ing period providing you with an income.
                                                                               before your coverage is effective. You will not pay
                 Benefits are paid if you are Totally Disabled as defined by     Long-Term Disability premiums during your
                 the plan.The maximum monthly benefit under the                 12-month waiting period.Your coverage will become
                 Long-Term Disability Plan is $15,000. Long-Term               effective on the day you meet the 12-month waiting
                 Disability coverage is insured by The Hartford.               period, provided you have been Actively-At-Work for
                                                                               the previous six-month period.Your coverage amount
                                                                               will be 40 percent of your Average Monthly wage dur-
                                                                               ing your first five years of continuous coverage.




164   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




As a late enrollee, once your coverage is effective,        As defined by the Plan, Total Disability means:
your benefit depends on the length of time you have
                                                            • You are unable to perform the essential duties of
been covered under the plan at the time of your
                                                              Your Occupation (or any occupation after 12 months
Total Disability:
                                                              of benefit payments) according to the medical evi-
• First five Continuous Years of Coverage—40 per-              dence provided by a qualified doctor other than you
  cent of your Average Monthly Wage.                          or a family member (failure to meet requirements
• After five Continuous Years of Coverage—50 per-              necessary to maintain a license to perform the duties
  cent of your Average Monthly Wage up to the maxi-           of Your Occupation does not mean you are Totally
  mum benefit, as long as you are Actively at Work at          Disabled). Your Occupation includes similar job posi-
  the end of the fifth year of coverage. The five years of      tions with the Company with a rate of pay 50 percent
  continuous coverage period does not include the             or greater of your indexed pre-disability earnings;
  12-month waiting period.                                  • You are under the continuous care of a qualified doc-
                                                              tor; and
The Cost of
Long-Term Disability Coverage                               • The disability is due to injury, sickness, or pregnancy.
Your cost for Long-Term Disability is based on your aver-   A statement by your physician(s) that “you are unable to




                                                                                                                            Long-Term Disability
age monthly earnings and your age. Premiums are             work” does not in and of itself qualify you for Long-Term
deducted from all wages including bonuses.You will not      Disability benefits.
be required to pay Long-Term Disability premiums while
you are receiving Long-Term Disability benefits.             When Benefits Are Not Paid
                                                            Long-Term Disability benefits will not be paid
When You Qualify for                                        for disabilities:
Long-Term Disability Benefits
                                                            • Caused by your committing or attempting to commit
In order to qualify for Long-Term Disability benefits,
                                                              assault, battery, or a felony;
you must:
                                                            • Due to war or any act of war (declared or not), insur-
• Submit medical evidence provided by a qualified              rection, rebellions, or taking part in a riot or civil dis-
  doctor that you are Totally Disabled as defined by           order; and/or
  the Plan; and
                                                            • Due to, or contributed to by, a pre-existing condition.
• Receive approval by The Hartford of your claim.
                                                            Pre-Existing Condition Limitation
                                                            You will not receive Long-Term Disability benefits for any
                                                            condition, diagnosed or undiagnosed, for which you had
                                                            received treatment during the 365-day period prior to
                                                            your effective date unless:

                                                            • You have not been treated for the pre-existing condi-
                                                              tion for more than 365 days while insured; or
                                                            • You have been continuously insured on a full-time
                                                              basis under the Long-Term Disability Plan for 730
                                                              consecutive days prior to becoming disabled.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               165
                 When Long-Term                                              Filing a Long-Term
                 Disability Benefits Begin                                    Disability Claim
                 If you are approved for Long-Term Disability benefits,       Hourly Associates—You will receive a claim form from
                 they will begin after your waiting period:                  The Hartford if the medical information provided indi-
                                                                             cates your Total Disability is expected to last longer than
                 • For Hourly Associates: your waiting period is 180
                                                                             195 calendar days. The Hartford will transfer the claim
                   days or the end of your Short-Term Disability bene-
                                                                             from Short-Term Disability to Long-Term Disability on
                   fits—whichever is longer.
                                                                             the 17th week of disability.
                 • For Management Associates: your waiting period is
                   90 days or the end of your employer-sponsored             Management Associates—Call The Hartford at
                   salary continuation program—whichever is longer.          (800) 492-5678 by the 45th day of your salary continu-
                                                                             ance if you believe you will need to use your Long-Term
                 If You Return to Work                                       Disability benefits.The Hartford will provide additional
                 During Your Waiting Period                                  information on how to complete your claim.
                 and Become Disabled Again
                 • For Hourly Associates: if you cease to be Totally         Associates receiving Workers’ Compensation benefits
                   Disabled and return to work for a total of 30 calen-      and enrolled for Long-Term Disability insurance may be
                   dar days or less during a waiting period, the waiting     eligible for disability benefits after their waiting period is
                   period will not be interrupted.                           expired. Call The Hartford at (800) 492-5678 to verify
                 • For Salaried Associates: if you cease to be Totally       your eligibility for these benefits.
                   Disabled and return to work for a total of six months
                   or less during a waiting period, the waiting period
                   will not be interrupted.



                  Average Monthly Wage
                                                                 How Average Monthly Wage
                  Length of Employment                           is Determined
                  Employed 12 months or more                     Total Gross Pay ÷ prior 12 months
                                                                 For example, the Average Monthly Wage for an associate
                                                                 with a Total Annual Gross Pay of $20,800 is $1,733.33
                                                                 ($20,800 ÷ 12)


                  Employed less than 12 months                   Total Gross Pay ÷ number of months worked
                                                                 For example, the Average Monthly Wage for an associate with a
                                                                 Total Gross Pay of $11,900 for seven months of work is $1,700
                                                                 ($11,900 ÷ 7)




166   For more information, log on to walmartbenefits.com, 24/7 or
                                                        2008 Wal-Mart Associate Benefits Book




California Associates—You must:                                              If you have been employed less than 12 months, an
                                                                             annualized average of earnings will be used, excluding
• File a claim with the State of California by calling
                                                                             reimbursed expenses.
  (800) 480-3287 within 41 days of the date of
  your disability.                                                           Your Long-Term Disability benefit is shown below.
• Contact the Benefits Department at (800) 421-1362.
                                                                             The maximum monthly benefit under the Long-Term
Claims will be determined under the time frames and                          Disability Plan is $15,000.Your benefit will be no less
requirements set out in the Claims and Appeals chap-                         than $50 for any month that you are receiving Long-
ter.You have the right to appeal a claim denial. See the                     Term Disability benefits.The total of your monthly dis-
Claims and Appeals chapter for details.                                      ability payment, plus all earnings, cannot exceed your
                                                                             Average Monthly Wage prior to your disability.
Your Long-Term                                                               Long-Term Disability benefits are paid at the end of
Disability Benefit                                                            the month.
The amount of your Long-Term Disability is based on:
                                                                             The Hartford has the right to recover from you any
• Your Average Monthly Wage; and
                                                                             amount that is overpaid to you for Long-Term Disability




                                                                                                                                       Long-Term Disability
• Whether you enrolled for coverage during your                              benefits under this plan.
  Initial Enrollment Period or as a late enrollee
  (see Enrolling in Long-Term Disability earlier
  in this chapter).
Total Gross Pay includes:

• Overtime;
• Bonuses;
• Vacation;
• Illness protection; and
• Personal pay for the 26 pay periods (52 if paid
  weekly) prior to the Total Disability.



 Your Long-Term Disability Benefit

 If You Enrolled                                                Your Benefit is
 During your initial Enrollment Period                          50 percent of your Average Monthly Wage minus the amount of other
                                                                benefits or income you (or your family) are eligible to receive
                                                                For example, Social Security Disability benefits*


 As a late enrollee and have been covered for                   40 percent of your Average Monthly Wage minus the amount of other
 less than five continuous years                                 benefits or income you (or your family) are eligible to receive
                                                                For example, Social Security Disability benefits*


 *See Other Benefits or Income that Reduce Long-Term Disability Benefits later in this chapter for more information.




                             Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                    167
                 Other Benefits or                                             You Must Apply for Social
                 Income that Reduce                                           Security Disability Benefits
                 Long-Term Disability Benefits                                 You may be eligible to receive Social Security Disability
                 Your Long-Term Disability benefit amount will be              benefits after you have been disabled for five months.
                 reduced by other benefits or income you (or your family)      If your disability is expected to last, or has already last-
                 receive or are eligible to receive. Examples include, but    ed, five consecutive months, the Long-Term Disability
                 are not limited to, income from the following:               policy terms require you to apply for Social Security
                                                                              Disability benefits If the Social Security Administration
                 • Social Security Disability Insurance
                                                                              denies you benefits, you will be required to follow the
                 • Social Security Retirement that begins after the date      appeal process.
                   of Total Disability
                                                                              Failure to file for Social Security Disability benefits
                 • Workers’ Compensation
                                                                              could result in your Social Security Retirement benefits
                 • Employer-related individual policies
                                                                              being reduced when you reach the age of retirement. If
                 • No fault automobile insurance                              you qualify for Social Security Disability benefits while
                 • Employer retirement plan that begins after the date        on Long-Term Disability and your approval date is
                   of the Total Disability                                    retroactive, you must reimburse The Hartford for any
                 • Settlement or judgment less associated costs of a          Long-Term Disability benefits paid to you, regardless of
                   lawsuit that represents or compensates for your            when you actually start receiving Social Security
                   loss of earnings                                           Disability benefit payments.

                 Please refer to the policy for a complete list of
                 offsets. The Hartford policy can be obtained by
                 calling (800) 492-5678.


                  Reduction of LTD Benefit Example
                  Average Monthly Wage                               $1,800

                  Benefit amount (50 percent of Average                $900
                  Monthly Wage, subject to the $15,000 max)

                  Less Social Security Disability benefit             - $500

                  Less dependent’s Social Security benefits           - $250

                  LTD Payment                                         $150




168   For more information, log on to walmartbenefits.com, 24/7 or
                                                2008 Wal-Mart Associate Benefits Book




If You Are Disabled and Working                              Continuing Benefit
If you are disabled and working, and are currently           Coverage While Disabled
earning less than 80 percent of your Indexed Pre-            If you wish to continue Medical, Dental, AD&D, Short-
Disability Earnings, the following calculation is used to    Term Disability Plus, Life Insurance, Cancer Insurance
determine your monthly benefit:                               Policy, and Accident Insurance Policy coverage while you
                                                             are receiving Long-Term Disability benefits, you must
 Disabled and Working                                        make premiums payments each pay period.These
 Benefit Calculation                                          amounts will not be deducted from your Long-Term
                                                             Disability benefit payments. If you fail to pay your premi-
                    (A - B) x C = D
                           A                                 ums for your other benefit option(s), your benefits may
                                                             be canceled. See the Eligibility and Enrollment chapter
  A    Your Indexed Pre-Disability Monthly Earnings
                                                             for details.
  B    Your current monthly earnings
                                                             You will not be required to pay Short-Term Disability
  C    The monthly benefit payable if you were
       otherwise Totally Disabled
                                                             or Long-Term Disability premiums while you are receiv-
                                                             ing Disability benefits. Your coverage will not be can-
  D    The disabled and working benefit payable
                                                             celed while you are receiving disability benefits under




                                                                                                                           Long-Term Disability
                                                             this policy.
Indexed Pre-Disability Monthly Earnings means your
Pre-Disability Earnings adjusted annually by adding 7%.      If You Die While Receiving
                                                             Long-Term Disability Benefits
Pre-Disability Monthly Earnings means your regular           When you die, your coverage ends; however, if you die
monthly rate of pay in effect for the 26 regular pay peri-   after satisfying the waiting period while receiving Long-
ods immediately prior to the date you became Totally         Term Disability benefits, a lump-sum payment of $5,000
Disabled divided by 12. Pre-Disability Earnings includes     will be paid to your surviving spouse. If you are not sur-
overtime pay, bonuses, vacation pay, illness protection,     vived by a spouse, the payment will be made to your sur-
and personal pay, but not commissions or any other           viving children in equal shares. If you are not survived by
fringe benefits or extra compensation. If you have            a spouse or children, the payment will be payable to
worked for less than 12 months with the Company, your        your estate.
regular monthly rate of pay will be based upon the total
earnings you actually received while working for the
Company immediately prior to the date you became
Totally Disabled, annualized and divided by 12.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362             169
                 When Long-Term                                              If the Disability is Due
                 Disability Benefits End                                      to Mental Illness, Alcoholism,
                 Long-Term Disability benefit payments will end on the        or Drug Addiction
                 earliest of:                                                In order to receive Long-Term Disability benefits for
                                                                             more than 24 months for the following disabilities, you
                 • The date you are no longer Totally Disabled               must be confined in a Hospital or other place licensed to
                 • The date you fail to furnish proof that is satisfactory   provide medical care:
                   to The Hartford that you are Totally Disabled
                                                                             • Mental illness (excluding demonstrable, structural
                 • The date you refuse to be examined, if The Hartford         brain damage)
                   requires an examination
                                                                             • Any condition that results from mental illness
                 • The last day of the maximum period for which bene-
                                                                             • Alcoholism
                   fits are payable
                                                                             • Nonmedical use of narcotics, sedatives, stimulants,
                 • The date that you refuse a similar position offered to
                                                                               hallucinogens, or similar substances
                   you by Wal-Mart that you are medically able and
                   qualified to perform, with a rate of pay 50 percent or     When you are not confined, there will be a 24-month
                   greater of your pre-disability earnings                   lifetime benefit for these disabilities.

                 • The date of your death
                                                                             If You Return to Work
                 • The date determined from the following                    and Become Disabled Again
                   Duration of Long-Term Disability Benefits chart            If you return to work for less than 180 days of active
                                                                             Full-Time work and become Totally Disabled again
                  Duration of Long-Term                                      from the same or a related condition that caused the
                  Disability Benefits                                         first period of disability, the recurrent disability will be
                                                                             part of the same disability.
                  Age When You                       Benefits
                  Become Totally Disabled            Termination
                                                                             If you return to work as an active Full-Time associate
                  Prior to age 62                    Until age 65
                                                                             for 180 days or more, any recurrence of a disability will
                  62                                 4 years                 be treated as a new disability. A new waiting period
                  63                                 3 1/2 years             must be completed.

                  64                                 3 years

                  65                                 2 1/2 years

                  66                                 2 1/4 years

                  67                                 2 years

                  68                                 1 3/4 years

                  69 or older                        1 1/2 years




170   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




If You Leave the                                             If You are On a
Company and Are Rehired                                      Leave of Absence
If you leave the Company and return to work for the          If your coverage is cancelled for failure to pay premi-
Company on a Full-Time basis within 30 days, you will        ums and you return to work on a Full-Time basis
automatically be re-enrolled in the same Long-Term           within one year of going on a Leave of Absence, you
Disability Plan option(s) (or the most similar option        will automatically be re-enrolled in the same Long-Term
offered under the Plan).                                     Disability Plan option(s) once the Actively-At-Work
                                                             requirement has been met.
If you return to active Full-Time work for the
Company after 30 days, you will be considered newly          If your coverage is cancelled and you return to work
eligible, and you can enroll for Long-Term Disability cov-   on a Full-Time basis after one year of going on a
erage once the applicable waiting period is met.             Leave of Absence, you will be considered newly eligi-
                                                             ble, and you can enroll for Long-Term Disability cover-
                                                             age within the applicable waiting period described in
                                                             the Eligibility and Enrollment chapter.

                                                             Special rules may apply if you are on or return




                                                                                                                       Long-Term Disability
                                                             from an FMLA or Military Leave of Absence. See
                                                             the Eligibility and Enrollment chapter for
                                                             more information.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362          171
  Truck Driver Long-Term Disability

       Where Can I Find?
       Enrolling in Truck Driver Long-Term Disability and When Coverage is Effective . . . . 174
       When You Qualify for Long-Term Disability Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 175
       When Truck Driver Long-Term Disability Benefits Begin . . . . . . . . . . . . . . . . . . . . . . . . . . 176
       Filing a Truck Driver Long-Term Disability Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 176
       Your Truck Driver Long-Term Disability Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 176
       If You Are Disabled and Working . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 178
       Continuing Benefit Coverage While Disabled . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 178
       When Truck Driver Long-Term Disability Benefits End . . . . . . . . . . . . . . . . . . . . . . . . . . . . 178
       If You Return to Work and Become Disabled Again . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 181
       If You Leave the Company and Are Rehired. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 181
       If You Are On a Leave of Absence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 181




          This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by The Hartford, the terms of the policy will govern.
                               You may obtain a copy of the policy by contacting The Hartford.
                                            2008 Wal-Mart Associate Benefits Book




Truck Driver Long-Term Disability
If a disability keeps you off the road and unable to work beyond your salary continuance peri-
od, Truck Driver Long-Term Disability benefits work with other benefits you receive to replace
part of your paycheck. You have two Truck Driver Long-Term Disability options that pay bene-
fits for different lengths of time.

 Truck Driver Long-Term Disability Resources
 Find What You Need                     Online                                   Other Resources

 Get more details about                 Email your question to                   Call The Hartford at (800) 492-5678
 Truck Driver Long-Term Disability      askhartford@hartfordlife.com or




                                                                                                                       Truck Driver Long-Term Disability
                                        walmartbenefits.com


 File a claim by the 45th day of your                                            Call The Hartford at (800) 492-5678
 salary continuance


 File a claim within 41 days of the                                              Call the state of California at
 date of your disability if you live                                             (800) 480-3287 or
 in California
                                                                                 Call Wal-MartBenefits at
                                                                                 (800) 421-1362




What You Need to Know About Truck Driver Long-Term Disability
• Full-Time Truck Drivers have two Truck Driver Long-Term Disability options: full-duration coverage and
  five-year coverage.
• If you enroll after your Initial Eligibility Period, your Truck Driver Long-Term Disability benefits will be
  reduced to 40 percent of your Average Monthly Wage during your first year of coverage and you’ll have to sub-
  mit Proof of Good Health and may be required to undergo a medical exam at your own expense before you can
  be approved.
• The Truck Driver Long-Term Disability Plan works with any other benefits you receive while disabled to
  replace 40 percent or 50 percent of your Average Monthly Wage, depending on when you enroll for the coverage.
• Truck Driver Long-term Disability benefits are paid at the end of each month.




                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362        173
                 Enrolling in Truck Driver                                  Benefits are paid if you are Totally Disabled as defined
                 Long-Term Disability and                                   by the Plan. The maximum monthly benefit under the
                 When Coverage is Effective                                 Long-Term Disability Plan is $15,000. Truck Driver Long-
                 You are eligible to enroll in Truck Driver Long-Term       Term Disability coverage is insured by The Hartford.
                 Disability coverage if you are a Full-Time Truck Driver.   Your benefit will be no less than $50 for any month that
                 Truck Driver Long-Term Disability offers two               you are receiving Long-Term Disability benefits. The
                 coverage options:                                          total of your monthly Disability payment plus all earn-
                                                                            ings cannot exceed your Average Monthly Wage prior
                 • Full-duration coverage. Full-duration coverage pays      to your Disability.
                   benefits for the longer of:
                                                                            The date your coverage is effective and the amount of
                   —The period shown in the Reducing Benefit
                                                                            your Truck Driver Long-Term Disability benefit depend
                    Duration Table (later in this chapter); or
                                                                            on when you enroll for coverage:
                   —The normal retirement age under the Social
                    Security Act shown in the Social Security Normal        • If you enroll during your Initial Enrollment Period
                    Retirement Age Table (later in this chapter).             (from the date of your first paycheck through
                                                                              60 days of your hire date), your coverage amount
                 • Five-year coverage. Five-year coverage pays benefits
                                                                              will be 50 percent of your Average Monthly Wage.
                   for 60 months unless the longer of the following is
                                                                              Your coverage will be effective on your date of hire.
                   less than 60 months. In this case, the monthly benefit
                   will be payable for the shorter period.                  • If you enroll at any time after your Initial
                                                                              Enrollment Period as a late enrollee:
                   —The period shown in the Reducing Benefit
                    Duration Table (later in this chapter); or                —Your monthly benefit will be reduced to 40 percent
                                                                               of your Average Monthly Wage if you become
                   —The normal retirement age under the Social
                                                                               Totally Disabled during your first continuous year
                    Security Act shown in the Social Security Normal
                                                                                of coverage.
                    Retirement Age Table (later in this chapter).
                                                                              —You will be required to provide Proof of Good
                 Truck Driver Long-Term Disability begins paying benefits
                                                                               Health (complete a questionnaire regarding your
                 after a waiting period providing you with an income.
                                                                               medical history; and
                                                                              —You may be required to undergo a medical exam at
                                                                               your own expense.
                                                                            As a late enrollee, your coverage will be effective the first
                                                                            day of the pay period after Wal-Mart Benefits receives
                                                                            approval from The Hartford.

                                                                            The Cost of Truck Driver
                                                                            Long-Term Disability Coverage
                                                                            Your cost for Truck Driver Long-Term Disability is based
                                                                            on your bi-weekly earnings and your age. Premiums are
                                                                            deducted from all wages including bonuses.You will not
                                                                            be required to pay Truck Driver Long-Term Disability pre-
                                                                            miums while you are receiving Truck Driver Long-Term
                                                                            Disability benefits.




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                                             2008 Wal-Mart Associate Benefits Book




When You Qualify for                                        When Benefits Are Not Paid
Long-Term Disability Benefits                                Truck Driver Long-Term Disability benefits will not be
In order to qualify for Truck Driver Long-Term Disability   paid for disabilities that are:
benefits, you must:
                                                            • Caused by your committing or attempting to commit
• Submit medical evidence provided by a qualified              assault, battery, or a felony;
  doctor that you are Totally Disabled as defined by         • Due to war or any act of war (declared or not), insur-
  the Plan;                                                   rection, rebellions, or taking part in a riot or civil dis-
• Remain Totally Disabled beyond the waiting                  order; and/or
  period; and                                               • Due to, or contributed to by, a pre-existing condition.
• Receive approval by The Hartford of your claim.
                                                            Pre-Existing Condition Limitation
                                                            You will not receive Truck Driver Long-Term Disability




                                                                                                                            Truck Driver Long-Term Disability
As defined by the Plan, Total Disability means:
                                                            benefits for any condition, diagnosed or undiagnosed,
• During your waiting period and for up to 12 months,       for which you had received treatment during the
  you are unable to perform the essential duties of         365-day period prior to your effective date unless:
  Your Occupation according to the medical evidence
                                                            • You have not been treated for the pre-existing
  provided by a qualified doctor other than you or a
                                                              condition for more than 365 days while insured;
  family member, and as a result you are earning less
                                                            • You have been continuously insured on a Full-Time
  than 50 percent of your Average Monthly Wage,
                                                              basis under the Truck Driver Long-Term Disability
  unless engaged in a program of rehabilitative
                                                              Plan for 730 consecutive days prior to becoming
  employment approved by The Hartford. Failure to
                                                              disabled; or
  meet the requirements necessary to maintain a
  license to perform the duties of Your Occupation          • You have already satisfied the pre-existing
  does not mean you are Totally Disabled.                     condition requirement of the prior plan sponsored
                                                              by the Company.
• After 12 months, you are unable to perform the
  essential duties of any occupation. The disability
  must be due to accidental bodily injury, sickness,
  substance abuse, or pregnancy.
A statement by your physician(s) that “you are unable to
work” does not in and of itself qualify you for Truck
Driver Long-Term Disability benefits under this Plan.

If you file a claim within the first two years of your
approval date, The Hartford has the right to re-examine
your Proof of Good Health questionnaire. If material
facts about you were stated inaccurately, the true facts
will be used to determine if and for what amount of
coverage should have been in effect and your premium
may be adjusted.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               175
                 When Truck Driver Long-Term                                      Associates receiving Workers’ Compensation benefits
                 Disability Benefits Begin                                         and enrolled for Long-Term Disability insurance may be
                 If you are approved for Truck Driver Long-Term Disability        eligible for disability benefits after their waiting period is
                 benefits, they will begin after your waiting period which         expired. Call The Hartford at (800) 492-5678 to verify
                 is the longer of:                                                your eligibility for these benefits.

                 • The first 90 consecutive calendar days of any one               Your Truck Driver
                   period of Total Disability, or                                 Long-Term Disability Benefit
                 • The end of your Company-sponsored salary continu-              The amount of your Truck Driver Long-Term Disability is
                   ance program, with the exception of benefits                    based on:
                   required by state law.
                                                                                  • Your Average Monthly Wage; and
                 If You Return to Work                                            • Whether you enrolled for coverage during your
                 During Your Waiting Period                                         Initial Enrollment Period or as a late enrollee
                 and Become Disabled Again                                          (see Enrolling in Truck Driver Long-Term Disability
                 If you are out of work for the same Total Disability in a          earlier in this chapter).
                 six-month period, the 90-day benefit waiting period
                                                                                  The maximum monthly benefit under the Truck Driver
                 does not need to be satisfied consecutively. You will be
                                                                                  Long-Term Disability Plan is $15,000. Your benefit will
                 required to complete the remaining portion of the bene-
                                                                                  be no less than $50 for any month that you are receiv-
                 fit waiting period.
                                                                                  ing Truck Driver Long-Term Disability benefits. The total
                                                                                  of your monthly disability payment, plus all earnings,
                 Filing a Truck Driver
                                                                                  cannot exceed your Average Monthly Wage prior to
                 Long-Term Disability Claim
                                                                                  your disability.
                 If you believe you will need to use your Truck Driver
                 Long-Term Disability benefits, call The Hartford at               Truck Driver Long-Term Disability benefits are paid at the
                 (800) 492-5678 by the 45th day of your salary                    end of the month.
                 continuance.The Hartford will provide additional
                 information on how to complete your claim.                       The Hartford has the right to recover from you any
                                                                                  amount that is overpaid to you for Truck Driver Long-
                 If you are a California associate, you will need to file a dis-   Term Disability benefits under this plan.
                 ability claim with the State of California within 41 days of
                 the date of your disability by calling (800) 480-3287.
                                                                                   Average Monthly Wage
                 Claims will be determined under the time frames and
                                                                                                                 How Average Monthly
                 requirements set out in the Claims and Appeals chap-              Length of Employment          Wage is Determined
                 ter.You have the right to appeal a claim denial. See the
                                                                                   Employed 12 months            Your activity pay, mileage rate,
                 Claims and Appeals chapter for details.                           or more                       and bonuses, paid in the 26
                                                                                                                 pay period prior to the Total
                                                                                                                 Disability ÷ 12 months


                                                                                   Employed less than            An annualized average of your
                                                                                   12 months                     earnings, including bonuses
                                                                                                                 and mileage rate as applicable




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 Your Long-Term Disability Benefit

 If You Enrolled                                                Your Benefit is
 During your Initial Enrollment Period                          50 percent of your Average Monthly Wage minus the amount of other
                                                                benefits or income you (or your family) are eligible to receive
                                                                For example, Social Security Disability benefits*


 After your Initial Enrollment Period                           40 percent of your Average Monthly Wage minus the amount of other
                                                                benefits or income you (or your family) are eligible to receive
                                                                For example, Social Security Disability benefits*


 *See Other Benefits or Income that Reduce Long-Term Disability Benefits later in this chapter for more information.




                                                                                                                                            Truck Driver Long-Term Disability
Other Benefits or Income
that Reduce Truck Driver                                                       Reduction of LTD Benefit Example
Long-Term Disability Benefits                                                   Average Monthly Wage                               $1,800
Your Truck Driver Long-Term Disability benefit amount
                                                                               Benefit amount (50 percent of Average                $900
will be reduced by other benefits or income you (or your                        Monthly Wage, subject to the $15,000 max)
family) receive or are eligible to receive. Examples include,
                                                                               Less Social Security benefit                        - $500
but are not limited to, income from the following:
                                                                               Less dependent’s Social Security benefits           - $250
• Social Security Disability Insurance
                                                                               LTD Payment                                         $150
• Social Security Retirement that begins after the date
  of Total Disability                                                         Failure to file for Social Security Disability benefits could
• Workers’ Compensation                                                       result in your Social Security Retirement benefits being
• Employer-related individual policies                                        reduced when you reach the age of retirement. If you
• No fault automobile insurance                                               qualify for Social Security Disability or Retirement bene-
                                                                              fits while on Truck Driver Long-Term Disability and your
• Employer retirement plan that begins after the date
                                                                              approval date is retroactive, you must reimburse The
  of the Total Disability
                                                                              Hartford for any long-term disability benefits paid to you,
• Settlement or judgment less associated costs of a                           regardless of when you actually start receiving Social
  lawsuit that represents or compensates for your loss                        Security Disability or Retirement benefit payments.
  of earnings
Please refer to the policy for a complete list of
offsets. The Hartford policy can be obtained by
calling (800) 492-5678.

You Must Apply for Social
Security Disability Benefits
You may be eligible to receive Social Security Disability
benefits after you have been disabled for five months.
If your disability is expected to last, or has already lasted,
five consecutive months, the Truck Driver Long-Term
Disability policy terms require you to apply for Social
Security Disability benefits. If the Social Security
Administration denies you benefits, you will be required
to follow the appeal process.

                             Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                         177
                 If You Are                                                  If You Die While Receiving
                 Disabled and Working                                        Long-Term Disability Benefits
                 If you are disabled and working, and are currently earn-    When you die, your coverage ends; however, if you die
                 ing less than 80 percent of your indexed pre-disability     after satisfying the waiting period while receiving Truck
                 earnings, the following calculation is used to determine    Driver Long-Term Disability benefits, a lump-sum pay-
                 your monthly benefit:                                        ment of $5,000 will be paid to your surviving spouse. If
                                                                             you are not survived by a spouse, the payment will be
                   Disabled and Working                                      made to your surviving children in equal shares. If you
                   Benefit Calculation                                        are not survived by a spouse or children, the payment
                                                                             will be payable to your estate.
                                     (A - B) x C = D
                                            A
                                                                             When Truck Driver Long-Term
                   A    Your Indexed Pre-Disability Monthly Earnings         Disability Benefits End
                   B    Your current monthly earnings                        Truck Driver Long-Term Disability benefit payments will
                                                                             end on the earliest of:
                   C    The monthly benefit payable if you were
                        otherwise Totally Disabled
                                                                             • The date you are no longer Totally Disabled
                   D    The disabled and working benefit payable              • The date you fail to furnish proof that is satisfactory
                                                                               to The Hartford that you are Totally Disabled
                 Your Pre-Disability Earnings means your hourly activity     • The date you refuse an examination required by
                 pay, mileage rate, and bonus in effect for the 52 weeks       The Hartford
                 immediately prior to the date you become Disabled
                                                                             • The date that you refuse a similar position offered to
                 divided by 12. Indexed Pre-Disability Earnings means
                                                                               you by Wal-Mart that you are medically able and
                 your Pre-Disability Earnings increased annually by 7%.
                                                                               qualified to perform, with a rate of pay 50 percent or
                                                                               greater of your pre-disability earnings
                 Continuing Benefit
                 Coverage While Disabled                                     • The date of your death
                 If you wish to continue Medical, Dental, AD&D, Life         • The date determined from the coverage you have
                 Insurance, Cancer Insurance Policy, and Accident              chosen and the following tables
                 Insurance Policy coverage while you are receiving
                 Truck Driver Long-Term Disability benefits, you must
                 make benefits premiums payments each pay period.
                 These amounts will not be deducted from your Truck
                 Driver Long-Term Disability benefit payments. If you
                 fail to pay your premiums for your other benefit
                 option(s), your benefits may be canceled. See the
                 Eligibility and Enrollment chapter for details.

                 You will not be required to pay Long-Term Disability pre-
                 miums while you are receiving Disability benefits.Your
                 coverage will not be cancelled while you are receiving
                 disability benefits under this policy.




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Full Duration Coverage                                     Five-Year Coverage
 Full-duration coverage pays benefits for the longer of:    Five-year coverage pays benefits for 60 months
                                                           unless the longer of the following is less than 60
 • The period shown in the Reducing Benefit
                                                           months. In this case, the monthly benefit will be
   Duration Table; or
                                                           payable for the shorter period.
 • The normal retirement age under the Social
   Security Act shown in the Social Security Normal        • The period shown in the Reducing Benefit
   Retirement Age Table.                                     Duration Table; or
                                                           • The normal retirement age under the Social
                                                             Security Act shown in the Social Security Normal
                                                             Retirement Age Table.




                                                                                                                Truck Driver Long-Term Disability
                                                           To Social Security
Reducing Benefit Duration                                   Normal Retirement Age
Age When You Become
Totally Disabled            Benefits Termination           Year of Birth                  Normal Retirement
Prior to age 62             Until age 65                  1937 or before                 65

62                          4 years                       1938                           65 + 2 months

63                          3 1/2 years                   1939                           65 + 4 months

64                          3 years                       1940                           65 + 6 months

65                          2 1/2 years                   1941                           65 + 8 months

66                          2 1/4 years                   1942                           65 + 10 months

67                          2 years                       1943 through 1954              66

68                          1 3/4 years                   1955                           66 + 2 months

69 or older                 1 1/2 years                   1956                           66 + 4 months

                                                          1957                           66 + 6 months

                                                          1958                           66 + 8 months

                                                          1959                           66 + 10 months

                                                          1960 or after                  67




                      Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362    179
                 Full-duration coverage pays benefits for the longer of:     If the Disability is
                                                                            Due to Mental Illness,
                 • The period shown in the Duration of Long-Term            Alcoholism, or Drug Addiction
                   Disability Table; or                                     In order to receive Truck Driver Long-Term Disability
                 • The normal retirement age under the Social Security      benefits for more than 24 months for the following dis-
                   Act shown in the Social Security Normal Retirement       abilities, you must be confined in a Hospital or other
                   Age Table.                                               place licensed to provide medical care:
                 Five-year coverage pays benefits for 60 months unless
                                                                            • Mental illness (excluding demonstrable, structural
                 the longer of the following is less than 60 months.
                                                                              brain damage)
                 • The period shown in the Duration of Long-Term            • Any condition that results from mental illness
                   Disability Table; or                                     • Alcoholism
                 • The normal retirement age under the Social Security      • Nonmedical use of narcotics, sedatives, stimulants,
                   Act shown in the Social Security Normal Retirement         hallucinogens, or similar substances
                   Age Table.
                 In this case, the monthly benefit will be payable for the
                 shorter period.

                 If you are confined in a Hospital or other place licensed
                 to provide medical care, benefits will be payable as long
                 as you are confined, subject to the maximum duration of
                 benefits and all other policy provisions.




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If You Return to Work                                           If You Are On a
and Become Disabled Again                                       Leave of Absence
If you return to work for less than six months of active        If your coverage is cancelled for failure to pay premi-
Full-Time work and become Totally Disabled again from           ums and you return to work on a Full-Time basis
the same or a related condition that caused the first peri-      within one year, you will automatically be re-enrolled in
od of disability, the recurrent Total Disability will be part   the same Truck Driver Long-Term Disability option(s)
of the same disability. No additional waiting period will       once the Actively-At-Work requirement has been met.
be required.
                                                                If your coverage is cancelled for failure to pay premi-
If you return to work as an active Full-Time associate for      ums and you return to work on a Full-Time basis after
six months or more, any recurrence of a Total Disability        one year, you will be considered newly eligible, and you
will be treated as a new disability. Another benefit wait-       can enroll for Truck Driver Long-Term Disability coverage
ing period must be met.                                         within the applicable waiting period described in the




                                                                                                                            Truck Driver Long-Term Disability
                                                                Eligibility and Enrollment chapter.
If You Leave the
Company and Are Rehired                                         Special rules may apply if you are on or return from an
If you return to active Full-Time work for the Company          FMLA or Military Leave of Absence.
within 30 days, you will automatically be re-enrolled in        See the Eligibility and Enrollment chapter for
the same Truck Driver Long-Term Disability option(s)            more information.
you had when you left (or the most similar option
offered under the Plan).

If you return to active Full-Time work for the
Company after 30 days, you will be considered newly
eligible and you can enroll for Truck Driver Long-Term
Disability coverage.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              181
Business Travel Accident Insurance

   Where Can I Find?
   Your Business Travel Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 184
   Naming a Beneficiary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 184
   If You Do Not Name a Beneficiary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 184
   When Business Travel Accident Benefits Are Paid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 184
   Additional Business Travel Accident Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 185
   When Business Travel Accident Benefits Are Not Paid. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 186
   Filing a Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 186
   When Coverage Ends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 187
   AXA Travel Assistance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 187
   Medex Travel Assistance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 188




                                                                             The AHWP includes the following three types
                                                                             of travel assistance benefits:

                                                                             • Business Travel Accident Insurance provides
                                                                               coverage for certain injuries or death that
                                                                                occur while you are on Company-authorized
                                                                               business travel.

                                                                             • AXA Travel Assistance provides medical, travel,
                                                                               legal, and financial assistance services while
                                                                               you are traveling for business or pleasure.

                                                                             • Medex Travel Assistance provides medical,
                                                                               travel, legal, and financial assistance services
                                                                               when you travel internationally for Company-
                                                                               authorized business.




      This information is intended to be a summary of your benefits and may not include all policy provisions.
If there is a discrepancy between this document and the policy issued by the applicable insurer under this chapter,
    the terms of the policy will govern. You may obtain a copy of the policy by contacting the applicable insurer.
                                            2008 Wal-Mart Associate Benefits Book




Business Travel Accident Insurance
While you are traveling on authorized Company business, Wal-Mart’s Business Travel Accident
Insurance protects you financially if you have an accident that results in certain types of
injuries or death. This Wal-Mart-paid coverage costs you nothing, is effective on your first day
of work, and provides up to $200,000 in benefits. As you work for Wal-Mart, Wal-Mart works
for you, protecting your and your family’s well-being.


Business Travel Accident Insurance Resources
Find What You Need                     Online                                    Other Resources




                                                                                                                           Business Travel Accident Insurance
Change your beneficiary designation      the WIRE or                              A form also is available from
                                                                                 your personnel representative.
                                        walmartbenefits.com
                                                                                 Beneficiary changes cannot be
                                                                                 made over the phone.


Get more details about                                                           Call Prudential at (877) 740-2116
Business Travel Insurance


Get more details about                                                           Call AXA at (800) 565-9320 in the U.S.;
AXA Travel Insurance                                                             or outside the U.S., call collect at
                                                                                 (312) 935-3783


Get more details about                  www.medexassist.com                      Call Medex at (800) 537-2029
Medex Travel Assistance


File a Business Travel Accident                                                  Call Wal-Mart Benefits at
Insurance claim                                                                  (800) 421-1362




What You Need to Know About
Company-Paid Business Travel Accident Insurance
• Wal-Mart Stores, Inc. provides all associates with Company-paid Business Travel Accident Insurance—
  there is no cost to you.
• Business Travel Accident Insurance pays a lump-sum benefit for loss of life, limb, sight, speech, or hearing,
  or paralysis due to an accident you were involved in while traveling on authorized Company business.
• Your coverage amount is $200,000.




                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            183
                 Your Business                                                 You can name a minor as a beneficiary. However,
                 Travel Accident Insurance                                     Prudential may not be legally permitted to pay the
                 Wal-Mart Stores, Inc. provides all associates with            minor until the minor reaches legal age. You may want
                 Company-paid Business Travel Accident Insurance.The           to consult with an attorney before naming a minor as
                 Company pays for this coverage in full—there is no cost       a beneficiary. If you name a minor as a beneficiary,
                 to you. No enrollment is necessary. Coverage will             funeral expenses cannot be paid from the minor’s
                 become effective on your first day of Active Work.             beneficiary proceeds.
                 See the Eligibility and Enrollment chapter for details.
                                                                               It is important to keep your beneficiary information up-
                 Business Travel Accident Insurance pays a lump-sum            to-date. Proceeds will go to whoever is listed on your
                 benefit to you or your beneficiary(s) if you have a loss of     beneficiary form on file with the AHWP, regardless of
                 life, limb, sight, speech, or hearing, or become paralyzed    your current relationship with that person.
                 due to an accident while traveling on authorized
                 Company business. Business Travel Accident Insurance          Changing Your Beneficiary
                 is insured by The Prudential Insurance Company of             Your beneficiary(s) can be changed at any time by using:
                 America (Prudential).
                                                                               • the WIRE;
                 The full benefit amount of Business Travel Accident            • walmartbenefits.com; or
                 Insurance is $200,000.                                        • Forms provided by your personnel representative.

                 Naming a Beneficiary                                           If You Do Not Name a Beneficiary
                 When you enroll, you must name a beneficiary(s) to             If no beneficiary is named, payment will be made to your
                 receive your Business Travel Accident Insurance benefit if     surviving family member(s) in the following order:
                 you die.You (the associate) will receive any benefits
                 payable for the injuries listed in When Business Travel       1. Widow or widower; if no surviving; then
                 Accident Benefits Are Paid later in this chapter.              2. Children in equal shares; if no surviving; then
                                                                               3. Parents in equal shares; if no surviving; then
                 You can name anyone you wish. If the beneficiary(s) you
                 have listed with the Company differs from those named         4. Brothers and sisters in equal shares; if no
                 in your will, the list that the Company has prevails.            surviving; then
                                                                               5. Executor or Administrator of your estate.
                 The following information is needed when naming your
                 beneficiary(s):
                                                                               When Business Travel Accident
                 • Beneficiary(s) name                                          Benefits Are Paid
                                                                               If you are involved in an accident while traveling on
                 • Beneficiary(s) current address
                                                                               authorized Company business and the injuries result in
                 • Beneficiary(s) phone number
                                                                               death or a loss listed below, the Plan will pay the benefit
                 • Beneficiary(s) relationship to you                           listed on the next page.
                 • Beneficiary(s) Social Security number
                                                                               Paralysis means loss of use, without severance, of a limb.
                 • Beneficiary(s) date of birth                                 A doctor must determine that the loss is complete and
                 • The percentage you wish to designate per                    not reversible. Severance means complete separation
                   beneficiary up to 100 percent                               and dismemberment of the limb from the body.

                 The benefit will be shared equally by all beneficiaries list-   If one or more associates suffer a common loss as a
                 ed unless specific percentage designations are elected.        result of the same aircraft accident, the maximum the
                                                                               Business Travel Accident policy will pay for all losses is
                                                                                $5 million per aircraft accident.This includes an aircraft
                                                                               owned and operated by the Company.



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                                            2008 Wal-Mart Associate Benefits Book




Full Benefit—$200,000                                        Additional Business
• Life                                                      Travel Accident Benefits
• Both hands, both feet, sight in both eyes—Severance       Business Travel Accident Insurance also provides three
  through or above the wrist or ankle joint, or total and   additional benefits.
  irrecoverable loss of sight.
                                                            • $10,000 seat belt benefit
• One hand and one foot— Severance through or
                                                            • $10,000 air bag benefit
  above the wrist or ankle joint.
                                                            • Coma benefit
• Speech and hearing in both ears—Complete inability
  to communicate audibly in any degree, with irrecov-
                                                            Seat Belt Benefit
  erable loss of hearing which cannot be corrected by
                                                            If you have a loss of life as a result of a covered accident
  any hearing aid or device.
                                                            that occurs while wearing a seat belt while driving or rid-




                                                                                                                           Business Travel Accident Insurance
• Hand or foot and sight in one eye—Severance               ing in a private passenger car, an additional benefit of
  through or above the wrist or ankle joint, with total     $10,000 will be paid to your beneficiary(s).
  and irrecoverable loss of sight in one eye.
• Paraplegia—Total paralysis of both lower limbs.           The following criteria must be met in order for the addi-
                                                            tional benefit to be paid.
• Hemiplegia—Total paralysis of upper and lower
  limbs on one side of the body.                            • The private passenger vehicle must have been
                                                              equipped with original or factory-installed seat belts.
50 Percent of Full Benefit                                   • The seat belt must have been in actual use in the
• Hand or foot—Permanent severance through or                 prescribed manner at the time of the accident.
  above the wrist but below the elbow or permanent
  severance at or above the ankle but below the knee.       A copy of the police report must be submitted with the
• Sight in one eye—Total and irrecoverable loss of          claim. If it is unclear whether a seat belt was in use, the
  sight in one eye.                                         seat belt benefit will be reduced to $1,000.

• Speech or hearing in both ears—Complete inability
                                                            Air Bag Benefit
  to communicate audibly in any degree, with irrecov-
                                                            If you have a loss of life as a result of a covered accident
  erable loss of hearing which cannot be corrected by
                                                            that occurs while riding in an automobile seat equipped
  any hearing aid or device.
                                                            with a factory-installed air bag system and while wear-
                                                            ing a seat belt, there is an additional benefit of $10,000.
25 Percent of Full Benefit
• Thumb and index finger of the same hand—                   The following criteria must be met in order for the addi-
  Severance of each through or above the joint closest      tional benefit to be paid.
  to the wrist.
                                                            • The private passenger vehicle must have been
Two Times Full Benefit                                         equipped with original or factory-installed air bags.
• Quadriplegia—Total paralysis of both upper and            • The air bag must have been in use at the time of
  lower limbs.                                                the accident.

                                                            Coma Benefit
                                                            The coma benefit begins the 31st day of your coma
                                                            as the result of a covered accident.The benefit is the
                                                            greater of 2 percent of your amount of coverage per
                                                            month, or $100 up to 50 months.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              185
                 When Business Travel                                      Filing a Claim
                 Accident Benefits Are Not Paid                             Within 12 months of the covered associate’s dismem-
                 Business Travel Accident benefits will not be paid for     berment or death, contact the Benefits Department at
                 the following:                                            (800) 421-1362 and provide the following regarding
                                                                           the covered associate’s:
                 • Intentionally self-inflicted injuries while sane
                   or insane;                                              • Name;
                 • Suicide or attempted suicide;                           • Social Security number;
                 • Sickness, whether the loss results directly or          • Date of dismemberment or death; and
                   indirectly from the sickness;                           • Cause of dismemberment or death (if known).
                 • Medical or surgical treatment of sickness,              • An original or certified copy of the death certificate
                   whether the loss results directly or indirectly           is required as proof of death. Mail the death
                   from the sickness;                                        certificate to:
                 • Any bacterial or viral infection, except a pyogenic
                                                                             Prudential - Wal-Mart Division
                   infection resulting from an accidental cut or wound       P.O. Box 13644
                   or a bacterial infection resulting from accidental        Philadelphia, PA 19176
                   ingestion of a contaminated substance;
                                                                           The claim will not be finalized until the death certificate
                 • Losses resulting from war or act of war (declared or
                                                                           is received, where applicable. Acceptance of the death
                   undeclared), including resistance to armed aggres-
                                                                           certificate is not a guarantee of payment.
                   sion or an accident while on full-duty with the armed
                   services for more than 30 days (This does not include   Benefits can be paid in a lump sum or, upon written
                   Reserve or National Guard active duty for training);    request, in monthly installments. Only one benefit, the
                 • Losses resulting from passengers riding in an unli-     highest, will be paid if you suffer more than one loss
                   censed aircraft;                                        resulting from a single accident.
                 • Losses resulting from flying as a crew member of
                   an airplane, except one owned and operated by
                   the Company;
                 • Injuries that arise during an attempt to commit or
                   the commission of a felony; or
                 • Losses resulting from being illegally intoxicated or
                   under the influence of any narcotic unless under the
                   advice of a doctor.




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                                             2008 Wal-Mart Associate Benefits Book




When Coverage Ends                                          Services Available Through
Your Business Travel Accident coverage ends on your last    AXA Travel Assistance
day of employment or at your death.                         Services available through AXA Travel Assistance include:

                                                            • Over 600,000 pre-qualified providers in more than
If You Leave the Company
                                                              238 countries and jurisdictions.
and Then Are Rehired
Your Business Travel Accident coverage (or the most sim-    • Air and ground ambulance service.
ilar option offered under the Plan) will be reinstated.     • Trained multilingual personnel who can advise
                                                              and assist you quickly and professionally in a
AXA Travel Assistance                                         travel emergency.
Wal-Mart Stores, Inc. provides all associates with          • Transportation services for you or family members in
Company-paid AXA Travel Assistance Insurance. The             the event of an emergency.




                                                                                                                          Business Travel Accident Insurance
Company pays for this coverage in full—there is no cost
                                                            • Return of mortal remains.
to you. No enrollment is necessary. Coverage will
become effective on your first day of Active Work.           The maximum benefit amount for each covered trip
                                                            is $150,000.
AXA Travel Assistance is a fully insured benefit provided
by AXA Assistance that provides travel assistance servic-   See the materials from AXA Travel Assistance for
es to you and your Eligible Dependents when you travel      more details.
for business or pleasure.                                   Any fees incurred for services will still be your responsi-
The description below is a summary of services              bility. AXA Assistance just helps you arrange these
provided by AXA Travel Assistance. You should review        services. In addition, AXA Travel Assistance does not
the materials from AXA Assistance for more details,         pay your medical bills (your health coverage still pays
including any limitations and exclusions. Contact           these expenses), but AXA Assistance can help you coor-
(800) 565-9320 in the U.S. for more information.            dinate payment with your plan and a foreign Hospital,
Outside the U.S. , call collect at (312) 935-3783.          if necessary.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362             187
                 Filing a Claim                                            Medex Travel Assistance
                 You do not need to file a claim for AXA Travel             Wal-Mart Stores, Inc. provides all associates with
                 Assistance benefits. You may contact AXA Assistance at     Company-paid Medex Travel Assistance Insurance. The
                 any time by calling (800) 565-9320 in the U.S., or call   Company pays for this coverage in full—there is no cost
                 collect at (312) 935-3783 outside the U.S. However, if    to you. No enrollment is necessary. Coverage will
                 you have a question about your benefits, or disagree       become effective on your first day of Active Work.
                 with the benefits provided, you may contact the Wal-
                 Mart Benefits Department or file a claim by writing to      Medex Travel Assistance is a travel assistance benefit
                 the following address:                                    provided by Medex Assistance Corporation. Medex
                                                                           Travel Assistance provides travel assistance services to
                 Wal-Mart Benefits Department                               you and your Eligible Dependents when you travel for
                 922 West Walnut, Suite A
                                                                           Company-authorized business internationally. Services
                 Rogers, AR 72756-3540
                                                                           related to domestic travel or personal travel are not cov-
                 Claims, and any appeals, will be determined under         ered under Medex Travel Assistance.
                 the timeframes and requirements set out in the pro-
                                                                           The description below is a summary of services
                 cedures for filing a clam for medical benefits under
                                                                           provided by Medex Travel Assistance. You should
                 the Claims and Appeals chapter.
                                                                           review the materials from Medex Travel Assistance for
                                                                           more details, including any limitations and exclusions.
                 When Coverage Ends
                                                                           Contact (800) 537-2029 for more information.
                 Your AXA Travel Assistance coverage ends on your last
                 day of employment or at your death.




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                                              2008 Wal-Mart Associate Benefits Book




Services Available Through Medex Travel                       Filing a Claim
Assistance                                                    You do not need to file a claim for Medex Travel
Services available through Medex Travel Assistance            Assistance benefits. You may contact Medex at any
include:                                                      time by calling (800) 537-2029. However, if you have
                                                              a question about your benefits, or disagree with the
• Medical Assistance Services, such as medical and
                                                              benefits provided, you may contact the Wal-Mart
  dental referrals, facilitation of Hospital payments,
                                                              Benefits Department or file a claim by writing to the
  and medical records transfer.
                                                              following address:
• Medical Evacuation & Repatriation Services, such
  as emergency medical evacuation, transportation             Wal-Mart Benefits Department
                                                              922 West Walnut, Suite A
  services, and repatriation of mortal remains.
                                                              Rogers, AR 72756-3540
• Security & Evacuation Services in the event of a




                                                                                                                        Business Travel Accident Insurance
  security or political evacuation.                           Claims, and any appeals, will be determined under
                                                              the timeframes and requirements set out in the proce-
Travel Assistance Services, including emergency travel        dures for filing a clam for medical benefits under the
arrangements, message transmittals, and replacement of        Claims and Appeals chapter.
travel documents.
                                                              When Coverage Ends
See the materials from Medex Travel Assistance for
                                                              Your Medex Travel Assistance coverage ends on your last
more details.
                                                              day of employment or at your death.
Any fees incurred for services will still be your responsi-
bility. Medex Travel Assistance just helps you arrange
these services. In addition, Medex Travel Assistance
does not pay your medical bills (your health coverage
still pays these expenses), but may be able to help you
coordinate payment with your plan and a foreign
Hospital, if necessary.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362          189
The Associate Stock Purchase Plan

 Where Can I Find?
 Associate Stock Purchase Plan Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 192
 Enrolling in the Associate Stock Purchase Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 192
 Wal-Mart’s Contribution to Your Company Stock Ownership . . . . . . . . . . . . . . . . . . . . . . 192
 Selling Stock Through the Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 193
 Keeping Track of Your Computershare Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 194
 Borrowing Money Using Your Stock Purchase Plan Account. . . . . . . . . . . . . . . . . . . . . . . 194
 Naming a Joint Tenant for Your Stock Purchase Plan Account . . . . . . . . . . . . . . . . . . . . . 194
 Ending Your Participation and Closing Your Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 195
 If You Leave the Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 195
 Prospectus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 196
 Introduction and Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 196
 Plan Administration; Account Management . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 197
 Plan Participation and Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 197
 Plan Contributions—Stock Purchase Program. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 198
 Award Program. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 198
 Stock Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 199
 Stock Ownership; Fees; Risks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 200
 Stock Certificate Delivery And Stock Sales. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 201
 Termination Of Participation; Account Closure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 201
 Plan Amendment And Termination . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 202
 Tax Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 202
 Available Information. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 203
 Documents Incorporated By Reference. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 203
                                             2008 Wal-Mart Associate Benefits Book




The Associate Stock Purchase Plan
The Associate Stock Purchase Plan allows you to buy Wal-Mart stock conveniently through
payroll deductions. You can have any amount from $2 to $1,000 withheld from your bi-weekly
paycheck ($1 to $500 if you are paid weekly) to buy stock. Wal-Mart matches 15 cents for every
dollar that you contribute to purchase stock, up to the first $1,800 in purchases each plan year.

The Associate Stock Purchase Plan Resources
Find What You Need                  Online                                      Other Resources

Enroll in the plan or change        On the WIRE, click the “Life” tab, then     Associates in Hawaii and Puerto Rico must




                                                                                                                               The Associate Stock Purchase Plan
your deduction amount               “My Health,” and then “Benefits Online       complete an enrollment form from the
                                    Enrollment” or                              Associate Stock Purchase Plan brochure.The
                                                                                brochure is available on the WIRE, click the
                                    Go to walmartbenefits.com                    “Life” tab, then “My Money,” and then
                                                                                “Associate Stock Purchase Plan” ,
                                                                                walmartbenefits.com, or
                                                                                at your work facility by asking your
                                                                                personnel representative


• Access your account information   Go to the Computershare website at          Call Computershare at (800) 438-6278
• Get your account statement        www.computershare.com/walmart               (hearing impaired: (800) 952-9245)
• Get a Form 1099                   and follow the instructions provided or
                                    Go to walmartbenefits.com and click the
                                    “Retirement and Savings Plan” icon on the
                                    “My Money” page.




Send money directly to                                                          Send check to:
Computershare                                                                   Computershare
                                                                                Attn: Wal-Mart ASPP
                                                                                P.O. Box 43080
                                                                                Providence, RI 02940-3080
                                                                                (Company contributions will not be made
                                                                                on money sent directly to Computershare.)


Get information about setting up                                                Call USBancorp (800) 771-2265
a line of credit for your account                                               and press option 2




What You Need to Know About the Associate Stock Purchase Plan
• All eligible associates can purchase Wal-Mart stock through convenient payroll deductions.
• Wal-Mart matches $0.15 for every $1.00 you put into the plan through payroll deductions, up to your first $1,800
  that you contribute.
• If you have $2,000 or more of Wal-Mart stock in your account, you may be eligible to borrow money using the
  stock in your Stock Purchase Account to secure a line of credit.
• While you are employed, there are no fees to purchase shares of Wal-Mart stock through the Plan. You only
  pay a fee when you sell shares of stock.
• Your account is maintained at Computershare. You can access your account online or by telephone to
  get your balance or sell stock.




                         Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                191
                 Associate Stock Purchase                                     Wal-Mart’s Contribution to Your
                 Plan Eligibility                                             Company Stock Ownership
                 You are eligible to enroll in the Associate Stock Purchase   The Associate Stock Purchase Plan allows all eligible
                 Plan if you are:                                             associates to buy Wal-Mart stock conveniently through
                                                                              payroll deductions.You can have any whole dollar
                 Not a member of a collective bargaining unit
                                                                              amount from $2 to $1,000 withheld from your
                 whose benefits were the subject of good faith
                                                                              paycheck to buy stock ($1 to $500 for associates with
                 collective bargaining.
                                                                              a weekly paycheck).
                 18 years old, except in Alabama and Nebraska you must
                                                                              Wal-Mart contributes to your stock purchase by match-
                 be 19 years old to participate. Associates in Puerto Rico
                                                                              ing 15 cents for every dollar you purchase through pay-
                 must be 21 years old.
                                                                              roll deductions, up to your first $1,800 in purchases each
                                                                              plan year.The plan year runs from April through March.
                 Enrolling in the                                             The Company match is reflected as income on your
                 Associate Stock Purchase Plan                                check stub and on your W-2 form.
                 You can enroll in the plan by completing an
                 enrollment form that is included with each associate         In addition to your payroll deductions, you can con-
                 stock purchase plan brochure or online using                 tribute additional money to the Associate Stock
                 “Benefits Online Enrollment” on the WIRE or on                Purchase Plan by sending money directly to
                  walmartbenefits.com. Before you enroll in this plan,         Computershare, the plan’s administrator at:
                 you should carefully review the Associate Stock Purchase     Computershare
                 Plan brochure or the Plan Prospectus.                        Attn: Wal-Mart ASPP
                                                                              P.O. Box 43080
                 The decision to purchase Company stock is an individual      Providence, RI 02940-3080
                 decision to be made solely by you and your tax or finan-
                 cial advisor. By offering this program, the Company is not    Money sent directly to Computershare will not receive
                 recommending, endorsing, or soliciting the purchase of       the Wal-Mart matching contribution. The maximum
                 Company stock. In making your decision, you should be        amount (payroll deductions and money sent directly to
                 aware that the past performance of the Company stock         Computershare) you can purchase through the
                 is not an indication or prediction of future performance.    Associate Stock Purchase Plan is $125,000 in stock per
                 The value of Company stock may be affected by many           plan year. Dividends that you earn on the stock are
                 factors including those outside the Company itself, such     automatically reinvested to buy additional shares of
                 as economic conditions.                                      stock for you.


                  Wal-Mart’s Contribution to Your Company Stock Ownership
                                               Your plan year payroll         Wal-Mart’s                       Total amount used to
                  If you contribute:           deduction contribution is:     matching contribution is:        purchase Wal-Mart stock:
                  $10 bi-weekly                $260                           $39                              $299

                  $20 bi-weekly                $520                           $78                              $598

                  $70 bi-weekly                $1,820                         $270 (Wal-Mart matches $0.15     $2,090
                                                                              for every dollar up to $1,800)




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                                              2008 Wal-Mart Associate Benefits Book




The value of the stock you purchase can fluctuate and          Selling Stock Through the Plan
may decline.There is no way to guarantee that your stock
                                                              No fees are charged to you for buying stock; however,
will have the same value in the future that it had when
                                                              when you sell stock you will be charged a fee of $20 per
you made the purchase.When making a decision about
                                                              sale plus $0.05 per share sold, unless you are making a
purchasing Wal-Mart stock, consider all your investments,
                                                              “market order.” For market orders, you will be charged a
including other Wal-Mart stock you may own. For invest-
                                                              fee of $30 per sale plus $0.05 per share sold.
ment questions, consult a financial advisor.
                                                              If you choose to sell your stock under the market order
Stock Certificates                                             method, your stock will be sold as soon as your request
If, at any time, you decide that you would prefer to per-     can reasonably be processed at the market price in
sonally hold your shares of stock, you may request that a     effect at the time. If the market is closed, your order will
stock certificate be issued to you at no charge from           be processed at the start of the next business day.Your




                                                                                                                             The Associate Stock Purchase Plan
Computershare. Stock certificates are negotiable securi-       fee is $30 per sale plus $0.05 per share sold.
ties and should be kept in a safe place.
                                                              Unless you specifically request a market order, the sale
Please note that any shares issued in stock certificate        will be completed through a batch order transaction.The
form are no longer part of the Plan. Once the shares are      price for your stock will be the average price for all Wal-
taken from your Associate Stock Purchase Plan account,        Mart shares sold that day by Computershare before 1:00
the certificate will be tracked and treated as a “general      p.m. CST. Any sale request after 1:00 p.m. CST deadline
shareholder” account.                                         will be processed the next business day.Your fee for this
                                                              type of sale will be $20 per sale plus $0.05 per share sold.
While you remain an associate or maintain a plan
account, you may send your shares back to                     To sell stock, call Computershare at (800) 438-6278 or go
Computershare at any time and designate in writing that       to www.computershare.com/walmart. A check will be
you would like those shares placed back into the Plan.        mailed to the address on your latest payroll check and
                                                              should be received within seven to 10 business days.
If stock certificates in your possession are lost or stolen,
you may request replacement certificates, at a cost, by        The sale fee is automatically deducted from your
completing documentation required by Computershare.           check. Each time you sell stock, you will receive a
Special insurance, based on a percentage of the value of      transaction summary form along with your check. At
the stock certificate, is required to protect you from the     the end of January, you’ll receive a separate 1099B
loss of those certificates though the mail service.            Tax Reporting Statement at your home to use in
For more information about replacing lost or stolen           reporting the sale of stock on your tax return.
certificates or any fees that may be incurred for the
                                                              You also can get a Form 1099 on
replacement of a lost certificate, please contact
                                                              walmartbenefits.com by clicking the
Computershare directly.
                                                              “Retirement and Savings Plan” icon on the
                                                              “My Money” page.

                                                              It’s important to understand the tax consequences of
                                                              a stock sale. If you have tax-related questions, please
                                                              consult a financial advisor or tax consultant.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               193
                 Keeping Track of Your                                     Borrowing Money Using Your
                 Computershare Account                                     Stock Purchase Plan Account
                 You will receive a statement from Computershare at        If you have $2,000 or more of Wal-Mart stock in your
                 least annually in January that shows the activity in      account, you may be eligible to borrow money from
                 your account. Statements are usually sent to your work    USBancorp using the stock in your Stock Purchase
                 facility. However, if you opted to receive your state-    Account to secure a line of credit.This program may
                 ments online, you will receive an email informing you     enable you to borrow the money you need rather than
                 that your statement is ready and can be found on          selling your Wal-Mart stock.
                 www.computershare.com/walmart or on walmart-
                                                                           The line of credit is repaid through monthly payments
                 benefits.com. The statement you receive in January will
                                                                           to USBancorp. For more information call (800) 771-2265
                 contain important tax information. It is very important
                                                                           and press option 2.
                 that you keep your statement so that you will know
                 the difference between your purchase price and sale       Decisions on applications for a line of credit are the
                 price if you sell shares of stock.                        responsibility of USBancorp. Applicants may be subject
                                                                           to a credit check. Wal-Mart assumes no liability with
                 You can access your account information by phone at
                                                                           respect to any negotiation or transaction entered into
                 (800) 438-6278 (hearing impaired: (800) 952-9245)
                                                                           by the associate and USBancorp.
                 or on walmartbenefits.com or on the Computershare
                 website at www.computershare.com/walmart.
                                                                           Naming a Joint Tenant for Your
                 If you request replacement statements from                Stock Purchase Plan Account
                 Computershare, there is a $5 charge per statement         If you wish, you can name a joint tenant for your stock
                 for previous years’ statements. Or, you can obtain        purchase Account. However, you should keep in mind
                 copies free of charge through the website at              that a joint tenant on your account has equal rights to
                 www.computershare.com/walmart.                            your account, including the ability to sell shares of stock,
                                                                           get account statements, or receive information about
                 You also can access account information and statements
                                                                           your account.Your joint tenant also becomes the sole
                 on walmartbenefits.com by clicking the “Retirement
                                                                           owner of the stock if you die. (A joint tenant is not the
                 and Savings Plan” icon on the “My Money” page.
                                                                           same as a beneficiary.) To designate a joint tenant or to
                                                                           change your joint tenant, you must contact
                                                                           Computershare to complete the paperwork that is legal-
                                                                           ly required to make such a designation.There are strict
                                                                           legal requirements that must be followed to remove a
                                                                           joint tenant from your account; therefore, you should
                                                                           consider carefully the implication of listing a person as a
                                                                           joint tenant on your account.




194   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Ending Your Participation                                  If You Leave the Company
and Closing Your Account                                   If you leave the Company, you will have several options
To cancel your payroll deductions to the Associate Stock   concerning the status of your account:
Purchase Plan, complete a benefits online enrollment
                                                           • You can keep your account open without the weekly
session on the WIRE by clicking the “Life” tab, then “My
                                                             or bi-weekly payroll deduction and the Company
Health,” and then “Benefits Online Enrollment” or at
                                                             match. You can make voluntary cash purchases and
walmartbenefits.com or you may complete an enroll-
                                                             benefit from having no brokers’ fee. There is an annu-
ment form that can be found on the back of the
                                                             al maintenance fee of $30 per year, which will be
Associate Stock Purchase Plan Brochure.
                                                             automatically deducted from your account through
After you cancel your payroll deductions, you can close      the sale of an appropriate portion of a share of stock
your account by asking Computershare to issue you a          to cover the fee during the first quarter of the year.




                                                                                                                      The Associate Stock Purchase Plan
stock certificate or by directing them to sell your stock   • You can close your account and receive all full
and send you a check. Please remember that to avoid          shares in certificate form and a check for any
paying a sales fee twice, cancel your payroll deductions     partial share ownership.
before closing your account.
                                                           • You can close your account and sell some or all of
                                                             the shares in your account.
                                                           In order to prevent any residual balances and to avoid
                                                           paying a sales transaction charge twice, wait until you
                                                           receive your final paycheck before closing your account.

                                                           It is very important that you update Computershare
                                                           if you have an address change after you have left
                                                           the Company.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362         195
                                                                     PROSPECTUS
                 This document constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933.

                                                                      98,659,148 Shares

                                                                WAL-MART STORES, INC.

                                                                        Common Stock
                                                                   ($.10 par value per share)
                                                             __________________________

                                                             WAL-MART STORES, INC.
                                                      2004 ASSOCIATE STOCK PURCHASE PLAN

                                         (formerly, the Wal-Mart Stores, Inc. Associate Stock Purchase Plan of 1996)

                                                        ___________________________
                      THESE SECURITIES HAVE NOT BEEN APPROVED OR DISAPPROVED BY THE SECURITIES AND EXCHANGE
                        COMMISSION OR ANY STATE SECURITIES COMMISSION NOR HAS THE SECURITIES AND EXCHANGE
                      COMMISSION OR ANY STATE SECURITIES COMMISSION PASSED UPON THE ACCURACY OR ADEQUACY
                           OF THIS PROSPECTUS. ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE.

                 No one is authorized to give any information or to make any representations other than those contained in this
                 Prospectus and, if given or made, you should not rely on them. This Prospectus is not an offer to sell or a solicitation of
                 an offer to buy any of the securities referred to in any state where it would be unlawful. Neither the delivery of this
                 Prospectus nor acquisition of securities described in this Prospectus implies that there has been no change in the
                 affairs of the Company since the date of this Prospectus.

                                                   The date of this Prospectus is August 1, 2007



                 Introduction and Overview                                        The Plan has two parts — the Stock Purchase Program
                                                                                  and the Award Program.The Stock Purchase Program
                 The Wal-Mart Stores, Inc. 2004 Associate Stock Purchase
                                                                                  gives eligible associates an opportunity to share in
                 Plan (“Plan”) is a successor to the Wal-Mart Stores, Inc.
                                                                                  Company ownership by allowing them to purchase
                 Associate Stock Purchase Plan of 1996.The Plan was
                                                                                  Stock by payroll deduction. In addition, if they make or
                 most recently approved by the stockholders of Wal-Mart
                                                                                  have made such payroll deductions, they may also pur-
                 Stores, Inc. (“Company”) on June 4, 2004. Up to
                                                                                  chase Stock from their own funds.The Award Program
                 142,624,272 shares of the Company’s common stock, par
                                                                                  rewards associates for exceptional job performance with
                 value $.10 per share (“Stock”), were available for delivery
                                                                                  shares of Stock.
                 under the Plan as of June 4, 2004. As of the date of this
                 Prospectus, 98,659,148 shares of Stock remain available.         The Company believes that the Plan is not subject to
                 Participating associates may be referred to as “you” in          any provisions of the Employee Retirement Income
                 this Prospectus.                                                 Security Act of 1974. The Plan is not qualified under
                                                                                  Section 401(a) or 423 of the Internal Revenue Code of
                                                                                  1986, as amended.




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                                             2008 Wal-Mart Associate Benefits Book




Plan Administration;                                         Plan Participation and Eligibility
Account Management                                           If you are eligible, you can become a participant in the
The Stock Option Committee (“Committee”), consist-           Plan by completing a paper enrollment form or enrolling
ing of members of the Company’s Board of Directors,          on-line to authorize payroll deductions to be taken from
has the overall authority for administering the Plan.        your regular compensation and contributed to the Plan
The Committee may delegate (and revoke the delega-           for the purchase of Stock to be held in your Plan
tion of ) some or all aspects of Plan administration to      account.You can also become a participant in the Plan if
the officers or managers of the Company or an affili-        the Committee grants you an award of Stock under the
ate or to others, subject to terms as it deems appropri-     Award Program.
ate. The Committee has selected a third-party admin-
                                                             All associates of the Company and approved affiliates of
istrator, currently Computershare Trust Company, N.A.,
                                                             the Company (“Participating Employers”) are eligible to
(“Computershare”), to maintain accounts under




                                                                                                                           The Associate Stock Purchase Plan
                                                             participate in the Plan, except
the Plan.
                                                             • If you are restricted or prohibited from participating
The Committee or its delegate must follow the terms of
                                                               in the Plan under the law of your state or country of
the Plan, but otherwise has full power and discretion to
                                                               residence, you may not participate in the Plan or
administer the Plan, including but not limited to, the
                                                               your participation in the Plan may be limited.
power to: determine when, to whom and in what types
and amounts contributions should be made; make con-          • You must have attained the age of majority in your
tributions to eligible associates in any number and to         state of employment to participate. It is your respon-
determine the terms and conditions applicable to each          sibility to ensure you are of sufficient age to partici-
such contribution; set a minimum and maximum dollar,           pate. The Company may terminate your participation
share or other limitation on the various contributions         if it discovers you are not of sufficient age.
permitted under the Plan; determine whether an affiliate      • If you are a member of a collective bargaining unit
should become (or cease to be) a Participating                 whose benefits were the subject of good faith collec-
Employer; determine whether (and which) associates of          tive bargaining, you are excluded from participation
non-U.S. Participating Employers should be eligible to         in the Plan, unless your bargaining agreement
participate in the Plan; make all determinations deemed        requires participation.
necessary or advisable for the administration of the Plan;   • If your employer is a non-U.S. affiliate, you may par-
establish, amend and revoke rules and regulations for          ticipate only if you are an approved associate (listed
the administration of the Plan; and exercise any powers,       by category or by individual).
to perform any acts and to make any determinations it
                                                             • If you are an officer, including those subject to sub-
deems necessary or advisable to administer the Plan. All
                                                               section 16(a) of the Securities Exchange Act of 1934,
decisions made by the Committee under the Plan are
                                                               or otherwise subject to the Company’s Insider
final and binding on all persons, including the Company
                                                               Trading Policy, your ability to acquire or sell shares of
and its affiliates, any associate, any person claiming any
                                                               Stock may be restricted.
rights under the Plan from or through any participant,
and shareholders of the Company.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              197
                 If you are on a bona fide Leave of Absence from the           Payroll deductions can be as little as $2 or as much as
                 Company or a Participating Employer, you will continue       $1,000 per bi-weekly payroll period (in whole dollars).
                 to be eligible to make contributions to the Plan during      Payroll deductions for associates paid on a weekly basis
                 your Leave of Absence, but you will not be eligible for      can be as little as $1 or as much as $500 per weekly pay-
                 Company matching contributions during that time. If          roll period.Your employer will make a matching cash
                 you are on a military Leave of Absence, please contact       contribution on your behalf when you make contribu-
                 the Retirement and Savings Plans Department to see           tions to the Plan by payroll deduction.The matching
                 whether you are eligible to receive Company matching         contribution is currently 15 percent of the first $1,800
                 contributions during your leave. Please note that you        you contribute to the Plan by payroll deduction, or up to
                 must make contributions from your own funds if you are       $270 per Plan year (April 1 - March 31). For this purpose,
                 not receiving a paycheck while you are on a Leave of         payroll deductions are taken into account on the last day
                 Absence, as payroll deduction would not be available as      of the relevant payroll period.The match is used to buy
                 an option. Any other circumstances which would permit        Stock for your account.
                 you to continue to participate in the Plan while on a
                                                                              If you participate or have participated in payroll deduc-
                 leave must be approved by the Committee.
                                                                              tions, you can also voluntarily contribute cash (in U.S.
                 Plan Contributions—                                          dollars) from your other resources to Computershare to
                 Stock Purchase Program                                       purchase Stock to be held in your Plan account.Your
                                                                              employer will not make matching contributions on
                 To make payroll deduction contributions, you need to
                                                                              amounts you contribute directly to Computershare. In
                 complete the enrollment form provided by your employ-
                                                                              addition, you may also deposit Stock that you hold out-
                 er.Your payroll deduction contributions will continue as
                                                                              side of the Plan to your Plan account by making arrange-
                 long as you are employed by the Company or a
                                                                              ments directly with Computershare.The total of your
                 Participating Employer unless you change or terminate
                                                                              payroll deductions and voluntary cash contributions
                 your payroll deduction authorization. Please note that no
                                                                              cannot exceed $125,000 per Plan year.
                 deduction will be drawn from any paycheck in which
                 your payroll deduction contribution exceeds your net         The Committee may change the maximum and mini-
                 pay after taxes are withheld.You can change or termi-        mum contributions, change the conditions for voluntary
                 nate your payroll deduction authorization by notifying       cash or Stock contributions, and change the amount of
                 your employer in writing.Your request will be processed      the match at any time.
                 as soon as practicable.
                                                                              Award Program
                 Note that payroll deduction contributions are generally
                 taken from your last paycheck. If you do not want to         Great Job Award
                 have payroll deduction contributions taken from your         Under the Great Job Award component,“Great Job” but-
                 last paycheck, it is important that you timely terminate     tons were typically awarded to associates who demon-
                 your payroll deduction authorization either by paper         strated exceptional job performance or who provided
                 form or on-line. If you work in a state that requires your   exceptional customer service. Once you received four
                 last paycheck to be paid outside of the normal payroll       “Great Job” buttons, you were generally eligible to
                 cycle, payroll deduction contributions will not be taken     receive one share of Stock from the Company.
                 out of your last paycheck.




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                                             2008 Wal-Mart Associate Benefits Book




The Great Job Award program was modified effective            Computershare makes Stock purchases for the Plan
March 9, 2007 with respect to U.S. associates and gener-     accounts on a national stock exchange, from the
ally May 1, 2007 with respect to associates in Canada. No    Company, or from a combination of these places.
additional “Great Job” buttons were (or will be) awarded     However, the Committee reserves the right to direct
after the pertinent date. You may surrender your but-        Computershare to purchase from a particular source,
tons to your Personnel Manager through August 31,            consistent with applicable securities rules and the appli-
2008 and you will receive one share of Stock for every       cable rules of any national stock exchange.
four “Great Job” buttons surrendered, or a proportionate
                                                             Typically, when Computershare purchases Stock for the
share of Stock if you surrender less than four “Great Job”
                                                             Plan on a national stock exchange, the shares are pur-
buttons. Your shares or fractional shares of Stock will be
                                                             chased as part of a bundled group rather than individu-
deposited in your account at Computershare. Any but-
                                                             ally for each participant. In some instances, the shares of
tons not surrendered by August 31, 2008 will be can-
                                                             Stock for a bundled group must be purchased for the




                                                                                                                           The Associate Stock Purchase Plan
celled on September 1, 2008 and will not be able to
                                                             Plan over more than one day. When shares of Stock are
be surrendered for a share or fractional share of
                                                             purchased for you as part of a bundled group, your pur-
Stock or any other item or cash. An associate may not
                                                             chase price for each share of Stock will be equal to the
transfer in any way buttons awarded to another.
                                                             average price of all shares of Stock purchased within that
Similarly, an associate may surrender for Stock only
                                                             group as determined by Computershare.
those buttons actually awarded to the associate under
the Award Program.                                           If Computershare buys shares of Stock from the
                                                             Company, whether authorized but unissued shares or
Outstanding Performance Award.                               treasury shares, the per-share price will be equal to the
Under the Outstanding Performance Award component,           Volume Weighted Average Price (VWAP) as reported on
you can be granted an award of Stock for demonstrating       the New York Stock Exchange - Composite Transactions
consistently outstanding performance in your job over        on the date of purchase.The VWAP is the weighted aver-
the period of a month, a quarter, or a year.The              age of all trades of the Company’s Stock for a day. While
Committee approves all Outstanding Performance               the Plan permits the Committee to designate another
Awards, and sets maximum dollar limitations on these         methodology for valuing Stock purchased from the
awards from time to time.                                    Company, as of the date of this Prospectus no other
                                                             methodology has been designated.
Your Stock under the Outstanding Performance
Award component will be given to you through an              Non-U.S. Participants Please Note: All amounts con-
account at Computershare.                                    tributed to the Plan by payroll deduction, all matching
                                                             contributions, and any contributions made pursuant to
Stock Purchases                                              the Award Program will be converted from your local
Your employer will send all of the payroll                   currency to U.S. dollars prior to the time the shares of
deductions along with any matching contributions             Stock are purchased. All voluntary cash contributions
to Computershare within a reasonable time following          must be converted to U.S. dollars before being sent to
each pay period. Computershare will purchase Stock for       Computershare to purchase shares of stock.The
your Account no later than five business days after it        exchange rate published in The Wall Street Journal will be
receives the funds. If you make a cash contribution out-     used to make the conversion.The exchange rate will be
side of payroll deductions, Computershare will               set as of a date as soon as practicable prior to the date
purchase your Stock no later than five business days          the cash is sent to the Computershare. Generally, the
after it receives the funds.                                 exchange rate for the day prior to the day the funds are
                                                             sent to Computershare is used, but that may not be prac-
                                                             ticable in all circumstances.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              199
                 Stock Ownership; Fees; Risks                                  Fees, Account Statements
                                                                               The Company pays all fees associated with the pur-
                 Stock Ownership
                                                                               chase of Stock. Generally, no maintenance fees or other
                 From the time that shares of Stock are credited to your       charges will be assessed to your Plan account
                 Plan account, you will have full ownership of the shares      as long as you are employed by the Company or
                 (including any fractional shares) of Stock.The Stock held     one of its affiliates (even if that affiliate is not a
                 in your Plan account will be registered in                    Participating Employer). However, you must pay
                 Computershare’s name until you request to have your           any commissions or charges resulting from other
                 Stock certificates delivered to you from the Plan account      Computershare services you request, for example
                 or you sell your shares.You may not assign or transfer        brokerage commissions and other fees applicable to
                 any interest in the Plan before shares are credited to        the sale of Stock. Computershare can tell you if a
                 your account. However, you may sell, transfer, assign, or     particular request would cause you to incur a charge.
                 otherwise deal with your shares of Stock once they are        At least annually, you will receive a statement of your
                 credited to your account, just like any other stockholder     account under the Plan, reflecting all activity with
                 of the Company.There is no automatic lien or security         respect to your Plan account for the period of time
                 interest on the shares of Stock held in your Plan account.    covered by the statement. You may also access
                 However, if you pledge the Stock as collateral in connec-     information regarding your account at any time by
                 tion with the Company’s Stock Secured Line of Credit          logging onto walmartbenefits.com.
                 Program, the lender will have a security interest in the
                 shares of Stock held in your Plan account.                    Risks
                                                                               Many of your risks of Plan participation are the same as
                 Dividends; Voting
                                                                               those of any other stockholder of the Company in that
                 Dividends on shares in your account will be automatical-      you assume the risk that the value of the Stock may
                 ly reinvested in additional shares of Stock.You will be       increase or decrease.There are no guarantees as to the
                 able to direct the vote on each full share of Stock held in   value of a share of Stock.This means that you assume
                 your Plan account, but not fractional shares.                 the risk of fluctuations in the value or market price of the
                 Computershare is responsible for seeing you receive at        Stock. Prior to deciding whether to purchase Stock
                 no cost and as promptly as practicable (by mail or other-     through the Plan, you are encouraged to review the Risk
                 wise) all notices of meetings, proxy statements and other     Factors described in our most recent Annual Report,
                 materials distributed by the Company to its stockhold-        filed on Form 10-K, for the most recently completed fis-
                 ers.To vote the shares of Stock held in your Plan account,    cal year ending January 31st. Each of the risks
                 you must timely deliver signed voting instructions, also      described in that Form 10-K could materially and
                 known as proxy instructions, to Computershare.                adversely affect the Company’s business, financial con-
                 Otherwise, the Company may elect to vote the shares           dition and results of operations and, therefore, the price
                 provided that doing so would comply with applicable           of the Stock. Also, until Stock is purchased for you, your
                 law and any applicable listing standard of a national         payroll deductions (as well as the corresponding match-
                 stock exchange.                                               ing contributions) are considered general assets of the
                                                                               Company or the Participating Employer and, as such, are
                                                                               subject to the claims of the Company’s or Participating
                                                                               Employer’s creditors. No interest will be paid on any con-
                                                                               tributions to the Plan. If you are a non-U.S. participant,
                                                                               you also assume the risk of fluctuation in currency
                                                                               exchange rates.




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                                              2008 Wal-Mart Associate Benefits Book




Stock Certificate Delivery                                      If you are employed outside the U.S. by a Participating
And Stock Sales                                                Employer and if provided by Computershare for your
                                                               country, the proceeds from the sale may be converted
Computershare will send you, on request, a stock certifi-
                                                               for a fee to another currency if you request it when you
cate for any or all full shares of Stock held in your Plan
                                                               request your Stock to be sold. If the proceeds are con-
account at no cost to you.
                                                               verted to another currency, the exchange rate that will
You may request that Computershare sell all or a portion       be used is the following business day’s market rate on
of the shares of Stock (including any fractional interests)    the date your sale transaction is executed. You will
held in your Plan account at any time whether or not           assume the risk of any fluctuations in currency
you want to close your Plan account.                           exchange rates.

You will be charged a brokerage commission, as well as         Termination Of Participation;
any other applicable fees, if for any reason you sell shares   Account Closure




                                                                                                                           The Associate Stock Purchase Plan
of Stock held in your Plan account. Any brokerage com-
                                                               Once you become a Participant in the Plan, you will
mission or fees will be at the rates posted by
                                                               remain a Participant until your account is formally
Computershare from time to time.These rates are avail-
                                                               closed, or until all Stock has been taken from your
able upon request from Computershare.
                                                               account and you have terminated employment.
The Plan offers a choice of methods by which to sell your
                                                               If you terminate your payroll deduction authorization or
Stock — by “market order” or “batch order.”
                                                               terminate employment with the Company and all its
If you choose to sell your Stock under the “market order”      affiliates, you may choose to continue your Plan account
method, your Stock will be sold as soon as your request        or you may close your Plan account, as you specify to
can reasonably be processed at the market price in             Computershare. Specifically:
effect at that time. If the market is closed when you
                                                               • You may keep your Plan account open (without the
enter the request, your sale transaction will be processed
                                                                 weekly or bi-weekly payroll deduction and the
at the start of the next day that the stock market is open.
                                                                 Company match). If you keep your account open, you
If you choose to sell your Stock under the “batch order”         may continue to make voluntary cash contributions
method, your Stock will not be sold immediately as               and no brokerage commissions will be charged on
described above. Generally, if Computershare receives            the purchase of Stock. An annual maintenance fee
your request to sell shares of Stock before 1:00 p.m.            will be charged to your account in the first quarter of
Central Time on a business day, your sale transaction            each calendar year and will be paid by means of the
will take place on the same day. If your request is              sale of an appropriate portion of a share of Stock. (If
received on or after 1:00 p.m. Central Time or if your           you are transferred to a Company affiliate that is not
request is made on a day the stock market is not open,           a Participating Employer, the Company may continue
your sale transaction will take place on the next day            to pay the maintenance fee for you.)
that the stock market is open. The sale price for a share      • If you own at least one full share of Stock, you may
of Stock sold in this manner will be the average price of        close your Plan account by moving your Stock into
all shares of Stock sold by Computershare on the date            a “General Shareholder” account. You may accom-
of your sale transaction.                                        plish this move either by receiving all full shares in
                                                                 certificate form with a check for any partial share
                                                                 ownership and re-depositing them in the General
                                                                 Shareholder account, or Computershare can move
                                                                 the shares electronically at your request. You
                                                                 should contact Computershare for more informa-
                                                                 tion about the fees associated with a General
                                                                 Shareholder account.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362             201
                 • You may close your Plan account by having all shares        Tax Information
                   of Stock in your account sold and the proceeds paid
                                                                               The following summary of the U. S. income tax conse-
                   to you, or you can have certificates for full shares
                                                                               quences of the Plan is based on the Internal Revenue Code
                   (and cash proceeds of fractional shares) delivered to
                                                                               and any regulations thereunder as in effect as of the date of
                   you instead. The proceeds of any sale of full or frac-
                                                                               this Prospectus.The summary does not cover any state or
                   tional shares will be net of brokerage commissions,
                                                                               local income taxes or taxes in jurisdictions other than the
                   sales fees and other applicable charges. Your account
                                                                               United States.You should consult your tax advisor with
                   will be closed automatically if you have a termination
                                                                               respect to individual tax consequences before purchasing
                   of employment and there are no shares or fractional
                                                                               Stock under the Plan.
                   shares in your account.
                 If you die before your Plan account has been closed,          Stock Purchases
                 your Plan account will be distributed per the legal doc-
                                                                               Under the Stock Purchase Program.You have no federal
                 umentation submitted to Computershare or to your
                                                                               income tax consequences when you enroll in the Plan or
                 estate, unless you had previously arranged with
                                                                               when Stock is purchased for you under the Stock
                 Computershare to have your stock held in a joint
                                                                               Purchase Program either by payroll deduction or volun-
                 account. In the event you have a joint account, the joint
                                                                               tary contribution, because your contributions are made
                 account holder may either make arrangements with
                                                                               with after-tax funds.The full value of Company matching
                 Computershare to continue to maintain a shareholder
                                                                               contributions is ordinary income to you in the calendar
                 account at his or her own expense or to have the Stock
                                                                               year of contribution and will be reported on your pay
                 (or proceeds from the sale thereof ) distributed, less any
                                                                               stub and your W-2. Accordingly, the Company deducts all
                 applicable fees or commissions.
                                                                               applicable wage withholding and other required taxes
                 To add or remove a joint tenant to or from your               from your other compensation (by increasing your pay-
                 account, call Computershare at (800) 438-6278.                roll deduction) when it makes a matching contribution
                                                                               to your Plan account.The Company is entitled to a tax
                 Plan Amendment And Termination                                deduction for the amount of the matching contribution
                                                                               in the same year as you recognize the income.
                 The Plan has no set expiration date.The Board of
                 Directors of the Company (or a committee designated
                 by the Board) may amend or terminate the Plan at any
                                                                               Great Job Awards Under
                                                                               the Award Program
                 time. However, if stockholder approval of an amendment
                 is required under law or the applicable rules of a national   “Great Job” buttons were not taxable to you when
                 stock exchange, the amendment will be subject to that         awarded.They are taxable only when you surrender
                 approval. No amendment or termination of the Plan will        them for a share or fractional share of Stock. At that time,
                 cause you to forfeit (1) any funds you have contributed       the value of the share (or fractional share) will be taxable
                 to the Plan that have not yet been used to purchase           to you as ordinary income. In addition, the Company will
                 Stock; (2) any shares (or fractional interests) of Stock in   pay you an amount it determines to be the approximate
                 your Plan account; or (3) any dividends or distributions      amount of federal and state income taxes you will have
                 declared with respect to Stock after you have made a          to pay with respect to shares (or fractional shares) you
                 contribution to the Plan but before the effective date of     receive upon surrender of your buttons. (Note that this
                 the amendment or termination.                                 additional amount will also be ordinary income to you.)




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                                             2008 Wal-Mart Associate Benefits Book




Outstanding Performance Awards                                Documents Incorporated
Under the Award Program                                       By Reference
Stock grants under the Outstanding Performance Award          The following documents filed by the Company with the
component of the Award Program are taxable as ordi-           Securities and Exchange Commission (the “Commission”)
nary income in the calendar year of the award, regard-        (File No. 1-6991) are hereby incorporated by reference
less of whether the Stock certificates are given directly to   and made a part of this Prospectus:
you or the Stock is awarded to your Plan account.Your
ordinary income will be the market value of a share of        • The Company’s Annual Report on Form 10-K for the
Stock on the date the award is granted, times the num-          fiscal year ended January 31, 2007;
ber of shares of Stock granted.The Company is entitled        • The Company’s Quarterly Report on Form 10-Q for
to a tax deduction in the same amount and in the same           the fiscal quarter ended April 30, 2007;
year as you recognize the ordinary income.                    • The Company’s Current Reports on Form 8-K filed




                                                                                                                         The Associate Stock Purchase Plan
                                                                with the Commission on February 2, 2007, April 3,
Stock Sales or Certificate Distributions                         2007 and April 5, 2007;
You will not recognize any taxable income when you            • The Company’s definitive Proxy Statement for the
request to have certificates delivered to you for some or        2007 Annual Shareholders’ Meeting, filed with the
all of the Stock held in your Plan account. However, when       Commission on April 19, 2007; and
you sell or otherwise dispose of your Stock - whether
                                                              • The Company’s Registration Statement on Form 8-A
through Computershare or later after you have received
                                                                containing a description of Company’s common
your Stock certificates—the difference between the mar-
                                                                stock, $0.10 par value per share.
ket value of the Stock at the time of sale and the market
value of the Stock on the date you acquired it will be        All documents filed by the Company pursuant to
taxed as a capital gain or loss.The holding period to         Sections 13(a), 13(c), 14 and 15(d) of the Securities
determine whether the capital gain or loss is long-term       Exchange Act of 1934 (the “Exchange Act”) on or after
or short-term will begin running on the date you acquire      the date of this Prospectus shall be deemed to be
the Stock.The Company will have no deduction as a             incorporated by reference in this Prospectus and to be
result of your disposition of the Stock.                      a part hereof from the date of filing of such documents,
                                                              except for information furnished to the Commission
Available Information                                         that is not deemed to be “filed” for purposes of the
                                                              Exchange Act (such documents, and the documents
To obtain additional information about the Plan or its
                                                              listed above, being hereinafter referred to as
administrators, please call the Retirement and Savings
                                                              “Incorporated Documents”). Any statement contained
Plans Department at (479) 273-4664.You can also write
                                                              in an Incorporated Document shall be deemed to be
to the Retirement and Savings Plans Department at Wal-
                                                              modified or superseded for purposes of this Prospectus
Mart Stores, Inc., 805 Moberly Lane, Bentonville, Arkansas,
                                                              to the extent that a statement contained herein or in
72716-0295.
                                                              any other subsequently filed Incorporated Document
Computershare may be contacted by calling                     modifies or supersedes such statement. Any such state-
(800) 438-6278 (1 800 GET MART), online at                    ment so modified or superseded shall not be deemed,
www.computershare.com/walmart, or by writing to               except as so modified or superseded, to constitute a
Computershare, Attn: Wal-Mart ASPP, P.O. Box 43080,           part of this Prospectus.
Providence, RI 02940-3080, for all correspondence,
                                                              These documents and the Company’s latest Annual
including transactions, stock certificates request, stock
                                                              Report to Stockholders are available to you without
powers, voluntary purchases, and any customer serv-
                                                              charge upon written request. Please direct your requests
ice inquiries.
                                                              for documents to: Wal-Mart Stores, Inc., Retirement and
                                                              Savings Plans Department, 805 Moberly Lane,
                                                              Bentonville, Arkansas, 72716-0295.



                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            203
The Profit Sharing and 401(k) Plan

 Where Can I Find?
 Wal-Mart Helps You Save For Your Future. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 206
 Profit Sharing and 401(k) Plan Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 206
 When Participation Begins. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 207
 Enrolling in the Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 208
 Your Profit Sharing and 401(k) Plan Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 208
 Making a Rollover from a Previous Employer’s Plan or IRA . . . . . . . . . . . . . . . . . . . . . . . . 209
 Making Contributions to Your 401(k) Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 209
 Company Contributions to Your Profit Sharing Account and
    Company-Funded 401(k) Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 211
 Investing Your Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 213
 More About Owning Wal-Mart Stock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 215
 Account Balances and Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 216
 Receiving a Payout While Working for the Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 217
 If You Die: Your Designated Beneficiary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 218
 If You Get Divorced . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 218
 If You Leave the Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 219
 If You Leave and Are Then Rehired by Wal-Mart. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 220
 The Income Tax Consequences of a Payout . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 221
 Filing a Profit Sharing and 401(k) Plan Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 223
 Administrative Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 223
                                              2008 Wal-Mart Associate Benefits Book




The Profit Sharing and 401(k) Plan
Wal-Mart has a simple and convenient plan to help you prepare for your future. The Profit
Sharing and 401(k) Plan helps you save for your future in two ways. First, Wal-Mart contributes
money to your Profit Sharing Account and your Company-Funded 401(k) Account—currently, a
total of up to 4 percent of your eligible pay each year. Second, you can save a percentage of
your pay through payroll deductions before you pay taxes on those dollars. With investment
choices, tax breaks, and Wal-Mart contributions—regardless of whether or not you make con-
tributions—this Plan takes only a few moments of thought now so you can live better later.

The Profit Sharing and 401(k) Plan Resources




                                                                                                                    The Profit Sharing and 401(k) Plan
Find What You Need                   Online                                   Other Resources

Enroll in or change your             Go to walmartbenefits.com or              Call the Customer Service Center at
401(k) contribution                  the WIRE or                              (888) 968-4015
                                     www.benefits.ml.com


• Enroll and make                    Go to www.benefits.ml.com                 Call the Customer Service Center at
  contributions to the plan                                                   (888) 968-4015
• Request a rollover packet
  to make a rollover contribution
• Get a prospectus for the
  investment fund options
• Get a fee disclosure sheet
• Get information about
  your plan accounts
• Get a copy of your
  quarterly statement
• Request a hardship
  withdrawal or a withdrawal
  after you reach age 69 1/2
• Change your investment
  fund choices
• Request a payout when
  you leave Wal-Mart


• Designate a beneficiary             Go to the WIRE, click the “Life” tab,
                                     then click “Beneficiary Online” beneath
                                     “My Health “



What You Need to Know About the Profit Sharing and 401(k) Plan
• You are generally eligible to participate in the Plan on the first day of the calendar month after your first
  anniversary of employment if you worked at least 1,000 hours during that first year.
• Wal-Mart helps you save for your future through contributions to your Profit Sharing Account and your
  Company-Funded 401(k) Account.
• You can contribute from 1 percent up to 50 percent of each paycheck to the plan once you are eligible. You
  don’t need to make contributions to receive Wal-Mart contributions.
• You choose how to invest Your 401(k) Account, your Company-Funded 401(k) Account, and your Rollover
  Account (if applicable). After three years of service, you may also choose how to invest your Company-Funded
  Profit Sharing Account.
• You pay no Federal income tax on your contributions, the Company’s contributions, or any investment earnings
  until you receive a payout.


                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362       205
                 Wal-Mart Helps You                                           Although Wal-Mart’s profit sharing and 401(k) benefits
                 Save For Your Future                                         remain independent, they were combined into one Plan
                                                                              on October 31, 2003, so that Wal-Mart can offer greater
                 Wal-Mart helps you save for your retirement by making
                                                                              flexibility to meet your needs. This is a summary of ben-
                 contributions to the Profit Sharing Account and
                                                                              efits offered under the Plan as of February 1, 2008.
                 Company-Funded 401(k) Account of all eligible associ-
                                                                              Should any questions ever arise about the nature and
                 ates. If you are eligible, the Company anticipates making
                                                                              extent of your benefits, the formal language of the plan
                 a contribution each year:
                                                                              document, not the informal wording of this summary,
                 • From 0 percent to 2 percent of your pay to your            will govern.
                   Profit Sharing Account; and
                 • From 0 percent to 2 percent of your pay to your            Profit Sharing
                   Company-Funded 401(k) Account.                             and 401(k) Plan Eligibility
                 Once you are eligible, you can make contributions to         All associates of Wal-Mart Stores, Inc. or a participating
                 Your 401(k) Account. Because you pay no Federal income       subsidiary are eligible to participate in the Plan, except:
                 tax on your contributions until you receive a payout, you    • Leased employees;
                 lower your income tax bill today.You choose how to
                                                                              • Non-resident aliens;
                 invest your contributions, Wal-Mart’s 401(k) contributions
                 and any rollover contributions. And, you pay no Federal      • Independent contractors or consultants;
                 income tax on any earnings until they are paid as a dis-     • Associates who are active participants in any similar
                 tribution to you.                                              retirement plans sponsored by Wal-Mart or a partici-
                                                                                pating subsidiary;
                 Below is an example of how Wal-Mart’s Profit Sharing
                                                                              • Anyone not treated as an employee of
                 and 401(k) Plan contributions can help you prepare for
                                                                                Wal-Mart or its participating subsidiaries; and
                 your future.
                                                                              • Employees who are members of a collective bargain-
                 This example assumes that the Company contributes 2            ing unit whose retirement benefits were the subject
                 percent of your pay to the Profit Sharing Account and           of good faith collective bargaining.
                 the Company-Funded 401(k) Account. Please note that
                 the Company is not obligated to make such contribu-
                 tions and may make smaller contributions or no contri-
                 butions in future plan years.



                  Wal-Mart’s Annual Profit Sharing and 401(k) Contributions

                                   Profit Sharing            Company-Funded           Your 401(k)
                                   contribution of          401(k) contribution      contribution              Total Profit Sharing and
                  Eligible Pay     2 percent of pay         of 2 percent of pay      of 5 percent of pay       401(k) Plan contribution

                  $15,000          $300                     $300                     $750                      $1,350


                  $22,000          $440                     $440                     $1,100                    $1,980


                  $28,000          $560                     $560                     $1,400                    $2,520


                  $35,000          $700                     $700                     $1,750                    $3,150




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                                              2008 Wal-Mart Associate Benefits Book




When Participation Begins                                      How Hours of Service
If you are an eligible associate, you will begin participat-
                                                               are Credited Under the Plan
ing in the Profit Sharing and 401(k) Plan on the first day       For hourly associates, hours of service are credited
of the calendar month following your first anniversary of       as follows:
employment with Wal-Mart or a participating subsidiary,
                                                               • All hours worked by hourly associates for Wal-Mart or
if you are credited with at least 1,000 hours of service
                                                                 any participating subsidiary are counted toward the
during that first year. For example, if your hire date is
                                                                 1,000 hour requirement.
February 15, 2007 and you work 1,095 hours by February
                                                               • Paid vacation, illness protection time, personal time,
15, 2008 (your first anniversary), you become a partici-
                                                                 and overtime hours are also counted.
pant in the Plan on March 1, 2008.
                                                               • Hours are generally credited for the plan year
If you are not credited with 1,000 hours of service dur-         worked. Hours for a payroll period that overlaps




                                                                                                                          The Profit Sharing and 401(k) Plan
ing that first year, you would begin participation on the         years are prorated between the two years.
February 1 after the first plan year (February 1-January
                                                               For management associates and truck drivers, hours of
31) in which you are credited with at least 1,000 hours
                                                               service are credited as follows:
of service.
                                                               • Management associates and truck drivers are
For example, if your hire date is February 15, 2007 and
                                                                 credited with 190 hours per month for each
you work only 595 hours by February 15, 2008 (your first
                                                                 month in which they work for Wal-Mart or any
anniversary), but you work 1,095 hours during the
                                                                 participating subsidiary.
February 1, 2008 - January 31, 2009 plan year, you
become a participant in the Plan on February 1, 2009.          • You must work at least six months of the plan year to
                                                                 have 1,000 hours credited for the year. (Vacation pay
To begin making contributions to the Plan once you are           after you leave Wal-Mart will not give you an addi-
eligible, you can enroll on walmartbenefits.com, the              tional 190 hours of credit.)
WIRE, or through www.benefits.ml.com (see Enrolling             If you are a veteran and are re-employed by Wal-Mart or
in the Plan later in this chapter). When you’re eligible,      a participating subsidiary under the Uniformed Services
you will automatically be enrolled in the Plan for purpos-     Employment and Reemployment Rights Act of 1994,
es of receiving Wal-Mart’s contributions.                      your qualified military service may be considered service
                                                               under the Plan. If you think you may be affected by this
                                                               rule, call the Retirement and Savings Plans Department
                                                               at (800) 421-1362 for more details.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            207
                 Enrolling in the Plan                                         Your Profit Sharing
                 Shortly before you become eligible for participation in       and 401(k) Plan Accounts
                 the Plan, you will receive an enrollment packet.This          The Plan contains several accounts.
                 packet tells you how you can contribute your own funds
                                                                               Under the profit-sharing portion of the Plan, you will
                 to Your 401(k) Account and explains how you can direct
                                                                               have a Profit Sharing Account. This account holds Wal-
                 the investment of Your 401(k) Account.You should read
                                                                               Mart’s contributions to the profit sharing portion of the
                 it carefully before making any decisions.
                                                                               Plan, both before October 31, 2003 and after October
                 You can enroll and make contributions through payroll         31, 2003, and earnings on those contributions.
                 deductions online at walmartbenefits.com,
                                                                               Under the 401(k) portion of the Plan, you will have some
                 the WIRE, or www.benefits.ml.com or by calling the
                                                                               or all of the following accounts:
                 Customer Service Center at (888) 968-4015.
                                                                               • Your 401(k) Account — This account holds
                 You can enroll at any time after you become eligible.
                                                                                 your contributions to the Plan (including your
                 When you enroll, you choose:                                    catch-up contributions, if any) and earnings on
                                                                                 those contributions.
                 • The amount of your contributions (see Making
                                                                               • Company-Funded 401(k) Account — This account
                   Contributions to Your 401(k) Account later in this
                                                                                 holds Wal-Mart’s contributions to the 401(k) portion
                   chapter); and
                                                                                 of the Plan and earnings on those contributions.
                 • How to invest your account among the Plan’s
                                                                               • 401(k) Rollover Account —This account holds any
                   investment options. The Plan’s investment funds and
                                                                                 contributions that you rolled over to this Plan from
                   procedures are described in the enrollment packet.
                                                                                 another qualified retirement plan and earnings on
                 After you enroll, a confirmation statement will be
                                                                                 those contributions.
                 mailed to your home address so that you can see
                                                                               The chart on the following page provides a summary of
                 whether your enrollment information is correct. It will
                                                                               some of the differences between these accounts. These
                 show the percentage of your pay that you have chosen
                                                                               differences are discussed in more detail throughout
                 to contribute from each check and the investment
                                                                               this chapter.
                 fund(s) you have elected.

                 Your contributions to the Plan will begin as soon as pos-
                 sible after your election is received.This means your con-
                 tributions generally will be taken from your first pay-
                 check after your enrollment has been processed. No con-
                 tributions will be taken from your pay before you
                 become an eligible participant in the Plan. If you submit
                 an election but your contributions do not start, it is your
                 responsibility to contact the Customer Service Center
                 immediately at (888) 968-4015 to ensure they received
                 your enrollment.




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                                             2008 Wal-Mart Associate Benefits Book




 Profit Sharing and 401(k) Account Differences
                                             May                                                    Are Hardship
                                             Participants                            Are Hardship   Withdrawals
                     Source                  Choose                                  Withdrawals    Available after
                     of Contributions        Investments?   Vesting                  Available?     Age 69 1/2?

 Your 401(k)         You                     Yes            100 percent              Yes            Yes
 Account


 Company-Funded      Wal-Mart                Yes            100 percent              No             Yes
 401(k) Account


 401(k) Rollover     You                     Yes            100 percent              Yes            Yes
 Account




                                                                                                                         The Profit Sharing and 401(k) Plan
 Profit Sharing       Wal-Mart                Yes, after     2 years – 20 percent     No             Yes
 Account             (except for rollovers   3 years
                     you made to the Profit   of service     3 years – 40 percent
                     Sharing Plan)
                                                            4 years – 60 percent
                                                            5 years – 80 percent
                                                            6 years – 100 percent
                                                            (rollovers are
                                                            100 percent vested)
                                                            *effective 1/31/2008



Making a Rollover from a                                    • Your rollover contribution will be placed in your
Previous Employer’s Plan or IRA                               401(k) Rollover Account and will be 100 percent vest-
                                                              ed. You will also be able to direct the investment of
When you come to work for Wal-Mart, you may have pre-
                                                              these assets pursuant to the Plan’s guidelines.
tax funds owed to you from a previous employer’s retire-
ment plan (including a 401(k) plan, a profit sharing plan,   If you’re interested in making a rollover contribution to
a 403(b) plan of a tax-exempt employer, or a 457(b) plan    the Plan, you should contact the Customer Service
of a governmental employer). If so, you may be able to      Center at (888) 968-4015 and request a rollover packet.
have that money rolled over to this Plan.You may also
roll over pre-tax funds you have in an Individual           Making Contributions
Retirement Account (IRA). If you roll over funds to this    to Your 401(k) Account
Plan, you should keep these points in mind:                 After you become a participant in the Plan, you may
                                                            choose to contribute from 1 percent up to 50 percent
• You may go ahead and roll over money to the               (in whole percentages) of each paycheck to Your
  Plan even though you have not yet become a                401(k) Account. Your contributions in any calendar
  participant in the Plan (that is, you have not yet        year, however, may not exceed a limit set by the IRS.
  satisfied the 12-month waiting period and the             For 2008, the limit is $16,000. This amount will be
  1,000-hour requirement).                                  increased from time to time by the IRS. (Higher paid
• Once you roll funds into the Wal-Mart Profit Sharing       individuals are subject to a lower limit, as well as a
  and 401(k) Plan, those funds will be subject to the       limit on the amount of pay that can be taken into
  rules of this Plan, including payout rules, and not the   account under the Plan. You will be notified directly
  rules of your former employer’s plan or your IRA.         by mail if either of these limits applies to you.) You are
                                                            always fully vested in your own contributions.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            209
                 Your contributions to the Plan are deducted from your         Changing Your
                 pay before federal income taxes are withheld.This             401(k) Contribution Amount
                 means that you don’t pay federal income taxes on              You can increase, decrease, stop, or begin your contribu-
                 amounts you pay to the Plan (or earnings on your contri-      tions at any time by logging on to www.walmartbene-
                 butions) until they are distributed to you from the Plan.     fits.com, the WIRE, or www.benefits.ml.com.You may
                 You may also save on state and local taxes as well,           also call the Customer Service Center at (888) 968-4015.
                 depending on your location. Please note that your con-        If you call prior to 1:00 a.m. Eastern time on the Friday
                 tributions are subject to Social Security taxes in the year   before the end of any pay period, your change generally
                 the amount is deducted from your pay. Payouts from the        will be effective on your next paycheck. Changes you
                 Plan, however, are not subject to Social Security taxes       make later in the pay period will be applied within
                                                                               two pay periods. If you change your contribution
                 In addition, if you contribute your own pay to Your 401(k)
                                                                               amount, a confirmation notice will be sent to your
                 Account, you may be eligible for a “Saver’s Tax Credit.” If
                                                                               home address. If you do not receive a confirmation or
                 you are a married taxpayer who files a joint tax return
                                                                               your change is not implemented, it is your responsibility
                 with an adjusted gross income (AGI) of $50,000 or less or
                                                                               to call the Customer Service Center immediately
                 a single taxpayer with $25,000 or less in AGI on your tax
                                                                               at (888) 968-4015.
                 return, you are eligible for this tax credit, which can
                 reduce your taxes. For more details, your tax
                 preparer may refer to IRS Announcement 2001-106.
                                                                               If You Are Age 50 or Above
                                                                               If you are age 50 or above (or will be age 50 by the end
                 How Your Contribution is Determined                           of the applicable calendar year) and you are contributing
                                                                               up to the Plan or legal limits, you are allowed to make
                 The percentage of pay you elect to contribute to the
                                                                               additional contributions.These are called catch-up con-
                 Plan will be applied to the following pay:
                                                                               tributions and are made by payroll deduction just like
                 • Regular salary or wages, including any pre-tax              your normal contributions. For 2008, your catch-up con-
                   dollars you use for your 401(k) contributions or to         tributions may be any amount up to the lesser of $6,000
                   purchase benefits available under Wal-Mart’s health          or 100 percent of your pay.Your catch-up contributions
                   and welfare plan                                            will be credited to Your 401(k) Account.
                 • Overtime, illness protection, vacation, holiday, per-
                                                                               For example, if you contribute the maximum amount of
                   sonal, bereavement, jury duty, and premium pay
                                                                               $16,000 for the 2008 calendar year, or if you contribute
                 • Most incentive plan payments                                the maximum percentage of your pay allowed under the
                 • Holiday and fire brigade bonuses                             Plan, you could choose to contribute up to an additional
                 • Special recognition awards, such as the                     $6,000 at any time during 2008. If you are interested in
                   Great Job program                                           making catch-up contributions, you can enroll online at
                                                                               walmartbenefits.com, the WIRE, or
                 Your contribution will not be withheld from:
                                                                               www.benefits.ml.com, or call the Customer Service
                 • The 15 percent Wal-Mart match on the Associate              Center at (888) 968-4015.
                   Stock Purchase Plan
                 • Reimbursement for expenses like relocation
                   and G.A.P.
                 • Equity income, including income from stock options
                   or restricted stock rights
                 • A final paycheck upon your termination of
                   employment that is paid prior to the end of a
                   normal pay cycle




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                                             2008 Wal-Mart Associate Benefits Book




401(k) Account                                               If You Have
Contribution Limitations                                      a Qualified Military Service
The total amount of contributions you can make to this       If you miss work because of qualified military service,
Plan and to any other employer plan (including 403(b)        you may be entitled under the Uniformed Services
annuity plans, simplified employee pensions, or other         Employment and Reemployment Rights Act of 1994 to
401(k) plans) is $16,000 for 2008. (Your catch-up contri-    make up contributions you missed during your military
butions do not count toward this limit.) This amount will    service (that is, to make contributions equal to the
be increased from time to time by the IRS. If you are con-   amount you would have been eligible to make if you
tributing to more than one plan, it is your responsibility   were working for Wal-Mart or a participating subsidiary).
to determine if you have exceeded the legal limit. If your   Because you will have only a certain period of time after
total contributions go over the legal limit for a calendar   you return to work to make these contributions (general-
year, the excess must be included in your income for that    ly three times the period of military service, up to five




                                                                                                                           The Profit Sharing and 401(k) Plan
year and will be taxed. In addition, you may be taxed a      years), you should contact the Retirement and Savings
second time when the excess amount is later paid to you      Plans Department if you think you may be affected by
(after you terminate employment). For this reason, you       these rules.
may wish to request that the excess amount be returned
to you. If you wish to request that the excess be returned   Company Contributions
to you from this Plan, you must contact the Retirement       to Your Profit Sharing Account and
and Savings Plans Department no later than March 1st         Company-Funded
following the calendar year in which the excess contribu-    401(k) Account
tions were made.                                             At the end of each plan year, Wal-Mart determines the
                                                             amount of its contribution (if any) for the plan year.The
                                                             contribution will be a percentage of your pay while you
                                                             were a participant for such plan year.The contribution
                                                             percentage can vary from year to year and may be
                                                             reduced or eliminated in the future.

                                                             Currently, Wal-Mart anticipates making a contribution
                                                             from 0 percent to 2 percent of your pay to your Profit
                                                             Sharing Account and a contribution from 0 percent to 2
                                                             percent of your pay to your Company-Funded 401(k)
                                                             Account. All participants eligible for the contribution
                                                             receive the same percentage of their plan year pay (up
                                                             to IRS limits). Wal-Mart’s contributions will be made after
                                                             the end of the plan year but not later than the due date
                                                             (including extensions) of Wal-Mart’s tax return.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              211
                 Becoming Vested in                                                           NOTE: The new vesting schedule above is applicable to
                 Your Profit Sharing Account                                                   contributions for the Plan Year ending January 31, 2008
                 The vested percentage of your Profit Sharing Account                          and account balances of participants employed on or
                 is the portion that you are entitled to receive if you                       after that date. If you terminate employment before
                 leave Wal-Mart. Your account statements show your                            January 31, 2008, your payout will be processed under
                 vested percentage.                                                           the prior vesting schedule.

                 You become vested in your Profit Sharing Account                             A year of service for this purpose is a plan year
                 (other than rollovers in that account, which are always                      (February 1 - January 31) in which you are credited
                 100 percent vested) depending on your years of serv-                         with at least 1,000 hours of service under the hours of
                 ice with Wal-Mart:                                                           service rules (see How Hours of Service are Credited
                                                                                              Under the Plan earlier in this chapter). If you are credit-
                                                                                              ed with less than 1,000 hours in a plan year, your
                  Profit Sharing Vesting Schedule                                              vesting does not increase. (Please note that years of
                  Prior to January 31, 2008 *                                                 service for this purpose are not determined by your
                                                                                              anniversary date.)
                  Years of Service                     Vested Percentage

                  Less than 3                          0 percent                              If you leave Wal-Mart and its subsidiaries because of
                                                                                              retirement (at age 65 or older), death, or total and per-
                  3                                    20 percent                             manent disability, your Profit Sharing Account will be
                  4                                    40 percent                             100 percent vested, regardless of your years of service.
                                                                                              Your Profit Sharing Account will also be 100 percent
                  5                                    60 percent                             vested if the Plan is ever terminated.

                  6                                    80 percent                             To be considered for a disability payout, send the
                                                                                              Retirement and Savings Plans Department a copy of
                  7 or more                            100 percent
                                                                                              the information from the Social Security
                  * Applies to participants terminating prior to January 31, 2008, even if
                    accounts are paid out after January 31, 2008.
                                                                                              Administration showing you are eligible for disability
                                                                                              payments and were declared disabled while still
                                                                                              employed with Wal-Mart.
                  New Profit Sharing Vesting Schedule
                  Effective January 31, 2008 *                                                Vesting in Your
                                                                                              Company-Funded 401(k) Account
                  Years of Service                     Vested Percentage
                                                                                              You are always 100 percent vested in Wal-Mart’s contri-
                  Less than 2                          0 percent                              butions to your Company-Funded 401(k) Account.
                  2                                    20 percent
                                                                                              When You Are Eligible
                  3                                    40 percent                             for a Company Contribution
                  4                                    60 percent
                                                                                              In order to share in Wal-Mart’s contributions for a plan
                                                                                              year, you must:
                  5                                    80 percent
                                                                                              • Be credited with at least 1,000 hours of service dur-
                  6 or more                            100 percent                              ing the plan year (February 1–January 31) for which
                  * Applies to participants actively employed on or after January 31, 2008.     the contribution is made; and




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                                              2008 Wal-Mart Associate Benefits Book




• Be employed by Wal-Mart or a participating sub-             Investing Your Accounts
  sidiary on the last day (January 31) of that plan year.
                                                              You may direct any portion of your Profit Sharing
  If you leave Wal-Mart and its subsidiaries on January
                                                              Account into any investment alternatives under the Plan,
  30 or earlier, you will not receive a contribution for
                                                              including Wal-Mart stock, once you have completed
  that year. The only exception to this rule is if the last
                                                              three years of service. (A year of service is defined as hav-
  day of a plan year falls on a Saturday or Sunday. In
                                                              ing worked 1,000 hours in a plan year.) Note that
  that event, if you are employed on the Friday imme-
                                                              rollovers in your Profit Sharing Account cannot be
  diately prior to the last day of the plan year, you will
                                                              invested in Wal-Mart stock.
  be treated as satisfying this rule.
Wal-Mart may be required to make contributions on             If you choose to invest some or all of your Profit Sharing
your behalf for periods of qualified military service.         Account in Wal-Mart stock, be aware that since this
For this to be the case, you must return to service with      option is a single stock investment, it generally carries




                                                                                                                              The Profit Sharing and 401(k) Plan
Wal-Mart or one of its subsidiaries at the times and in       more risk than do the funds offered through the Plan.
the manner required by the Uniformed Services
                                                              Remember that you always have the right to direct the
Employment and Reemployment Rights Act of 1994.
                                                              investment of Your 401(k) Account in the Plan.You may
 If you think this rule may apply to you, you should
                                                              obtain more specific information regarding this right at
contact the Retirement and Savings Plans Department
                                                              www.benefits.ml.com or by calling the Customer
at (800) 421-1362.
                                                              Service Center at (888) 968-4015.

Your Pay for the Purposes                                     To help you diversify your retirement savings, the Plan
of the Company Contribution                                   offers a variety of investment options with different lev-
For purposes of determining the amount of your Wal-           els of risk and potential for increase in value.To “diversi-
Mart contributions, your pay will include:                    fy” means that you “put your eggs in more than one bas-
                                                              ket.”You should give careful consideration to the bene-
• Regular salary or wages, including any pre-tax dollars      fits of a well-balanced and diversified investment portfo-
  you use for your 401(k) contributions or to purchase        lio. Spreading your assets among different types of
  benefits available under Wal-Mart’s health and wel-          investments could help you achieve a favorable rate of
  fare plan                                                   return, while lowering your overall risk of losing money.
• Overtime, illness protection, vacation, holiday, per-       This is because market or other economic conditions
  sonal, bereavement, jury duty, and premium pay              that cause one category of assets, or one particular secu-
• Most incentive plan payments                                rity to perform well often causes another asset category,
• Holiday and fire brigade bonuses, the 15 percent            or another particular security, to perform poorly.
  Wal-Mart match on the Associate Stock Purchase              If you invest more than 20 percent of your retirement
  Plan, and special recognition awards, such as the           savings in any one company, such as Wal-Mart stock, or
  Great Job program                                           in any one industry, your savings may not be properly
Remember that for purposes of Wal-Mart’s contributions,       diversified. Although diversification does not ensure a
your pay only includes pay you receive after you actually     profit or protect against loss, it is an effective strategy to
become eligible for the Plan.You will not receive Wal-        help you manage investment risk.
Mart’s contribution on pay you receive before becoming
a participant.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                213
                 When deciding how to invest your retirement savings,          If you are a terminated participant who had three or
                 you should take into account all of your assets, including    more years of service when you terminated, you also
                 any retirement savings outside of the Plan. For example,      have the right to direct the investment of your Profit
                 you may own Wal-Mart stock through other means such           Sharing Account until paid. For more information, you
                 as the Associate Stock Purchase Plan. No single approach      may contact the Customer Service Center online at
                 is right for everyone because, among other factors, indi-     www.benefits.ml.com or by calling (888) 968-4015.
                 viduals have different financial goals, different time hori-
                 zons for meeting their goals, and different tolerances for    Investing The 401(k) Account: Your 401(k)
                 risk.Therefore, you should carefully consider the rights      Account, Your Company-Funded 401(k)
                 described in this information and how these rights affect     Account, and Your 401(k) Rollover Account
                 the amount of money that you invest in Wal-Mart stock         You decide how Your 401(k) Account, your Company-
                 through the Plan.                                             Funded 401(k) Account, and your 401(k) Rollover
                                                                               Account will be invested.You can choose:
                 It is also important to periodically review your invest-
                 ment portfolio, your investment objectives, and the           • One of the GoalManager portfolios: Aggressive,
                 investment options under the Plan to help ensure that           Moderate, or Conservative. These pre-mixed portfo-
                 your investments are in line with your objectives and           lios that are designed to make diversified investing
                 your risk tolerance. If you would like more sources of          simple for you.
                 information on individual investing and diversification,       • From among a menu of investment options made
                 you may go to the website of the Department of Labor,           available by the Retirement Plans Committee. Wal-
                 http://www.dol.gov/ebsa/investing.html.                         Mart stock is not an investment option with respect
                                                                                 to Your 401(k) Account, your Company-Funded
                 How Your Profit-Sharing                                          401(k) Account, and your 401(k) Rollover Account.
                 Account is Invested                                             You may choose one of the investment options or
                 Because the Profit-Sharing Account is an Employee Stock          you may spread your money among the several
                 Ownership Plan, Profit Sharing assets, as a whole, are           investment choices.
                 mostly invested in Wal-Mart stock. Annual contributions
                 are invested as determined by the Retirement Plans            The investment gains or losses on your accounts will
                 Committee, which may include investment in Wal-Mart           depend upon the performance of the investments
                 stock. Depending on the Committee’s investment of             you choose.
                 annual contributions, which may vary from year to year,
                                                                               A description of all investment options and the
                 there may be periods when your Profit Sharing Account
                                                                               GoalManager Models is included in the enrollment pack-
                 is not invested in Wal-Mart stock. After you complete
                                                                               et you receive when you are eligible to enroll.You also
                 three years of service, you can choose to invest your
                                                                               may obtain the prospectus for each investment option,
                 Profit Sharing Account (other than rollovers) in Wal-Mart
                                                                               free of charge by accessing your account online at
                 stock. If you have three years of service, but do not make
                                                                               www.benefits.ml.com or by calling the Customer
                 an investment choice for any amounts held in your Profit
                                                                               Service Center at (888) 968-4015.
                 Sharing Account, such amounts will continue to be
                 invested as determined by the Committee.                      If you do not make an investment choice for Your 401(k)
                                                                               Account, your Company-Funded 401(k) Account, and
                 On your statements, you will see how many shares of
                                                                               your 401(k) Rollover Account, they will be invested in the
                 stock are in your Profit Sharing Account and the dollar
                                                                               Moderate GoalManager Model, which is a diversified mix
                 amount of any other investments in your Profit
                                                                               of various funds within the Plan.
                 Sharing Account.




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                                             2008 Wal-Mart Associate Benefits Book




Changing Your Investment Choices                              The prospectus for each investment will describe these
You can change your investment choices online at              restrictions from time to time.The fund may assess
www.benefits.ml.com or by calling the Customer                 redemption fees against a market timer, refuse to accept
Service Center at (888) 968-4015. If you make an invest-      a market timer’s investment election or impose other
ment change, a confirmation notice will be sent to your        consequences or restrictions. Brokers or other parties
home address unless you have chosen to receive them           performing services for the Plan may have similar restric-
electronically. If you don’t receive a confirmation notice,    tions.The Plan will honor any such restrictions and those
it is your responsibility to contact the Customer Service     additional restrictions that may be required or consistent
Center at (888) 968-4015 to make sure your change has         with applicable law. Because market timing may
been implemented.                                             adversely affect your ability to invest under the Plan,
                                                              market timing should be avoided.
If you call the Customer Service Center at
                                                              More About




                                                                                                                              The Profit Sharing and 401(k) Plan
(888) 968-4015 prior to 3:00 p.m. Eastern time, your
investment change generally will be applied on the            Owning Wal-Mart Stock
day you call. If your call is after 3:00 p.m. Eastern time,   If you invest in Wal-Mart stock through the Plan, each
your investment change generally will be applied on           year you will receive all of the materials generally distrib-
the following business day. If, however, your account         uted to the shareholders of Wal-Mart, including an
is invested in Wal-Mart stock and you wish to transfer        instruction card telling the trustee how to vote your
your money to another investment, there is a three-           shares in your plan account.
day settlement time required by the Securities and
Exchange Commission before your funds can be                  You can instruct the trustee, through the Company’s
transferred to the new investment fund. There is a            transfer agent, to vote Wal-Mart stock held in your plan
two-day settlement time required for transfers from           accounts.This usually occurs in May of each year.Your
a mutual fund to Wal-Mart stock. A transfer from a            instructions to the transfer agent and the trustee are
mutual fund to a mutual fund occurs on the same day.          kept confidential at all times.You will send your voting
Purchases and sales will generally be valued on the date      instructions directly to the transfer agent, who will com-
your investment election is given effect under the Plan.      pile the votes and notify the Retirement Plans
                                                              Committee of the total votes cast.The Retirement Plans
Please note that this Plan is intended to be an “ERISA        Committee will then notify the plan trustee of the total
Section 404(c) plan.” This means that you assume all          votes that are to be cast. Neither Wal-Mart nor the
investment risks connected with the investment                Retirement Plans Committee will know how any individ-
options you choose in the Plan, including the increase        ual participant voted (except as necessary to comply
or decrease in market value. Neither Wal-Mart, the            with securities laws).
Retirement Plans Committee, nor the trustee are
responsible for losses to your accounts as a result of        If you do not instruct the trustee how to vote your
investment decisions you make.                                shares, the Retirement Plans Committee will vote these
                                                              shares at its discretion. If neither you nor the Retirement
Additionally, you should be aware that most investments       Plans Committee exercise voting rights, the trustee or an
offered under the Plan have restrictions on market tim-       independent fiduciary appointed by the trustee may
ing. Mutual fund market timing involves the purchase          vote the unvoted shares.
and sale of shares of mutual funds (including exchanges
within the same fund family) within short periods of
time with the intention of capturing short-term profits
resulting from market volatility.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                 215
                 Dividends on Your Wal-Mart Stock                               Please note that if you request a hardship payout from
                 If you have Wal-Mart stock in your accounts, your              Your 401(k) Account within five business days of the
                 accounts will be credited with any dividends paid by           record date for a dividend and you have the right to
                 Wal-Mart with respect to its stock. Dividends allocated to     elect a cash distribution of the dividend, tax laws
                 Your 401(k) Account, your Company-Funded 401(k)                require that the dividend be automatically paid to you
                 Account, or your 401(k) Rollover Account will be auto-         in cash.
                 matically reinvested in Wal-Mart stock. Dividends allocat-     Account Balances
                 ed to your Profit Sharing Account will be invested as           and Statements
                 determined by the Retirement Plans Committee, except           At least once a year, you’ll receive a statement on your
                 as noted below.                                                accounts showing contributions made by you and by
                                                                                Wal-Mart, the performance of your investment funds,
                 If you are an active participant with six or more years of
                                                                                and the values of your accounts. You can easily get
                 service, you have an option to take a cash payout of any
                                                                                information about your accounts, including a quarterly
                 dividend paid on Wal-Mart stock held in your Profit
                                                                                statement, at any time online at www.benefits.ml.com
                 Sharing Account and any stock that is held or any funds
                                                                                or by calling the Customer Service Center at
                 rolled over to the profit sharing plan. Also, if you are a
                                                                                (888) 968-4015. You can also request a paper copy of
                 terminated participant who had more than six years of
                                                                                any quarterly statement at any time free of charge by
                 service when you terminated and you continue to main-
                                                                                calling (888) 968-4015.
                 tain your balance in the Plan after you leave, you will
                 have the option to elect a cash payout of dividends paid
                 on Wal-Mart stock held in your Profit Sharing Account. If
                                                                                Fees Charged to Your Account
                 you do not receive cash, your dividend will be reinvested      In addition to the general expenses of the Plan, the Plan
                 in Wal-Mart stock at your election or, if no election is       allows certain expenses to be charged to your accounts.
                 affirmatively made, as determined by the Retirement             Currently, there is an account maintenance fee of $2
                 Plans Committee.                                               charged to your account balance each Spring while you
                                                                                are an active participant If you are a former participant
                 You may make an election anytime by contacting the             with an account balance in the Plan, an annual mainte-
                 Customer Service Center online at                              nance fee of $15 will be charged to your account bal-
                 www.benefits.ml.com or by calling (888) 968-4015.               ance. When you leave the Company and receive a pay-
                 Your most recently filed election will apply to all subse-      out, Merrill Lynch will charge a $15 check processing fee.
                 quent dividends until you change your election. (You           When you buy or sell shares of Wal-Mart stock within the
                 may change your election only once each business day.)         Plan, there is a brokerage fee of five cents per share.
                 Keep in mind that your election must be made no later
                 than the close of business on the day prior to the record      The Plan also makes available a list of fees associated
                 date for the dividend in order to be effective for that div-   with each investment option under the Plan.You may
                 idend.You will not be able to make any elections or elec-      obtain a copy of this list by accessing your account at
                 tion changes during the period from the record date of         www.benefits.ml.com or by calling the Customer
                 the dividend through the dividend pay date (which is           Service Center at (888) 968-4015.You may also review
                 usually three to four weeks after the record date).            the prospectus for each investment option for more
                                                                                information about fees associated with that investment.
                 Each year, Wal-Mart releases the quarterly record dates
                 for dividend payouts.You can find this information on
                 www.walmart.com.You may also contact Merrill Lynch
                 if you need information about upcoming record dates
                 for dividends.You should keep in mind that a dividend
                 payout will be taxable to you.




216   For more information, log on to walmartbenefits.com, 24/7 or
                                            2008 Wal-Mart Associate Benefits Book




Receiving a Payout While Working                            Federal tax law requires that you must have already
for the Company                                             obtained all available age 69 1/2 in-service payouts
                                                            (see below) before you can request a financial hardship
Generally, you are not entitled to a payout from the
                                                            payout. If you were employed with an employer affiliat-
Profit Sharing and 401(k) Plan until you stop working
                                                            ed with Wal-Mart and still have an account balance in a
for Wal-Mart and its subsidiaries. However, in the fol-
                                                            plan that offers loans or in-service payouts, you must
lowing limited situations you may be entitled to receive
                                                            similarly obtain all those payouts prior to requesting a
a payout of some or all of your accounts while you’re
                                                            hardship payout.
still working:
                                                            Also, Federal tax laws will not allow you to contribute to
• In the case of a financial hardship (as defined by
                                                            this Plan and certain other retirement or stock purchase
  the IRS);
                                                            plans (including the Associate Stock Purchase Plan) for
• After you attain age 69 1/2; and                          six months after the date of your financial hardship pay-




                                                                                                                         The Profit Sharing and 401(k) Plan
• In the case of a special diversification payout.           out. If you are a management associate with stock
It’s important to understand how any type of payout         options, you may not exercise options during this six-
from the Profit Sharing and 401(k) Plan affects your tax     month period. Also, please note that if you request a
situation. For more information, see The Income Tax         financial hardship payout within five business days of
Consequences of a Payout later in this chapter.             the record date of a dividend and you are entitled to
                                                            elect a cash payout of that dividend, the dividend will
Financial Hardship Withdrawals                              automatically be distributed to you in cash.
You may withdraw money from Your 401(k) Account             A financial hardship payout is immediately taxable to
(other than earnings on those contributions) and your       you, including a 10 percent penalty tax if you are under
401(k) Rollover Account if you have a “financial hardship”   age 59 1/2 or if the payout is not for certain medical
under IRS guidelines. For this purpose, a financial hard-    purposes. For more information, see The Income Tax
ship may exist if the request is for:                       Consequences of a Payout later in this chapter.
• Payment of medical care expenses not covered by           You can make a request for a financial hardship payout
  insurance for you, your spouse, or your dependents; or    online at www.benefits.ml.com or by calling the
• Costs directly related to the purchase of your pri-       Customer Service Center at (888) 968-4015.
  mary residence (home); or
• Payment of tuition, fees, and room and board              Withdrawals After
  expenses for up to the next 12 months of post-high        You Reach Age 69 1/2
  school education for you, your spouse, or your            Any time after you reach age 69 1/2, you may elect to
  dependents; or                                            withdraw all or any portion of your accounts (both your
• Payments necessary to prevent eviction from, or fore-     Profit Sharing Account and 401(k) Account), even
  closure on, your primary residence; or                    though you are still working for Wal-Mart or its sub-
                                                            sidiaries. Only one withdrawal may be made in any plan
• Payment for burial or funeral expenses for your
                                                            year. You can make a request for a payout online at
  deceased parent, spouse, children or dependent; or
                                                            www.benefits.ml.com or by calling the Customer
• Expenses for the repair of damage to your principal       Service Center at (888) 968-4015.
  residence which would qualify for a casualty deduc-
  tion under federal income tax rules.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362            217
                 Special Diversification Payout                                  Please note that if you designate your spouse as your
                 You may be entitled to obtain a partial payout                 beneficiary and you later divorce, your designation will
                 of your Profit Sharing Account if by October 31, 2003:          not be effective after the divorce unless you reaffirm the
                                                                                designation in writing after the divorce. Similarly, if you
                 • You were at least age 55; and                                are unmarried and later marry, your prior beneficiary
                 • You had at least 10 years of service with Wal-Mart.          designation will not be effective after the marriage
                                                                                unless you reaffirm the designation in writing after the
                 This payout option is available for six years after you ini-
                                                                                marriage with your spouse’s consent.
                 tially become eligible for this option. The total amount
                 available under this option is generally 25 percent of         Since your spouse has certain rights in the death benefit,
                 Wal-Mart’s contributions to the Profit Sharing Plan used        you should immediately update your beneficiary elec-
                 to buy Wal-Mart stock from December 1986 through               tion if there is a change in your marital status.
                 October 31, 2003, except that in the sixth year it can be
                 50 percent of such amount. (You should note that it is         Beneficiary Designations
                 not 25 percent of your entire account and that the pay-        Made Before October 31, 2003
                 out amount has historically ranged from $50 to $1,500.)
                                                                                If you made a beneficiary designation under the 401(k)
                 If you choose this option, you must contact Merrill Lynch
                                                                                Plan before October 31, 2003, that designation will con-
                 by April 30th of the year in which you want the payout.
                                                                                tinue to apply to Your 401(k) Account, your Company-
                 Payout is then made at the end of June.
                                                                                Funded 401(k) Account and your 401(k) Rollover
                                                                                Account. Similarly, if you made a beneficiary designation
                 If You Die:                                                    under the Profit Sharing Plan before October 31, 2003,
                 Your Designated Beneficiary                                     that designation will continue to apply to your Profit
                 In the event of your death, your entire plan balance will      Sharing Account.
                 be paid out to your beneficiary. It is very important for
                 you to keep your beneficiary information up to date.            Any beneficiary designation you make after October
                 Beneficiary choices should be made at “Beneficiary               31, 2003, however, will be effective with respect to all
                 Online” beneath the “My Health” section of the “Life” tab      of your accounts in the Plan—both those in the 401(k)
                 on the WIRE. If you’re married and wish to name some-          part of the Plan and those in the profit sharing part of
                 one other than your spouse as your designated benefici-         the Plan.
                 ary, your spouse must consent to that designation.Your
                 spouse must sign Alternate Beneficiary Form B and the           If You Get Divorced
                 form must be notarized.To obtain Form B, talk to the per-      If you go through a divorce, all or part of your plan bal-
                 sonnel representative at your facility. Any beneficiary         ance may be awarded to an “alternate payee” in the
                 designation you make will be effective with respect to all     court order. An alternate payee may be your spouse or
                 of your accounts in the Plan—your 401(k) accounts and          former spouse, child, or other dependent. Because there
                 your Profit Sharing Account.                                    are very strict requirements for these cases, you should
                                                                                contact the Retirement and Savings Plans Department
                 If you do not designate a beneficiary, your death benefit
                                                                                and get a free copy of the procedures your attorney
                 will be distributed to your spouse or, if you are not mar-
                                                                                should use in drafting the court order. After the court
                 ried at the time of your death, to your living children in
                                                                                order is sent to the Retirement and Savings Plans
                 equal shares. If you are not married at the time of your
                                                                                Department, it must be reviewed to determine if it
                 death and have no living children, your benefit will be
                                                                                meets legal requirements for this type of order and will
                 paid to your parents, then to your siblings. If none of
                                                                                take a period of time to be processed.
                 those persons is alive at your death, your benefit will be
                 paid to your estate.




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                                             2008 Wal-Mart Associate Benefits Book




If You Leave the Company                                     If your total vested plan balance is more than $1,000 and
                                                             you are under age 65, you must consent to your payout.
When you stop working for Wal-Mart and its sub-
                                                             Payout will be made as soon as possible after your con-
sidiaries, you are entitled to receive a payout of your
                                                             sent is received by the Customer Service Center but no
vested accounts (both your Profit Sharing and 401(k)
                                                             earlier than 30 calendar days after your termination is
accounts) in the Plan. It is important to understand
                                                             actually entered into Wal-Mart’s payroll system.
how any type of payout from the Profit Sharing and
401(k) Plan affects your tax situation. For more informa-    If you wish, you can delay your payout until any date up
tion, see The Income Tax Consequences of a Payout            to age 65, but your plan balance will be subject to an
later in this chapter.                                       annual maintenance fee of $15 per year. If you choose to
                                                             delay your payout, you will be able to continue to make
You may elect to receive your payout 30 calendar days
                                                             changes in your investment choices just as you did while
after your termination is actually entered into Wal-Mart’s
                                                             you were an active participant in the Plan.




                                                                                                                           The Profit Sharing and 401(k) Plan
payroll system. For example, if your termination is
entered into and processed by the payroll system on          If you return to work with Wal-Mart or a participating
July 20, 2008, you may elect your payout on or after         subsidiary before your payout is completed, the pay-
August 19, 2008.                                             out will be canceled and no payout will be made from
                                                             your account.
A notice will normally be mailed to your home address
after you leave Wal-Mart and its subsidiaries to inform
                                                             The Amount of Your Payout
you that you are entitled to payment. If you have not
received any information regarding your payout within        The entire value of Your 401(k) Account, your Company-
60 days of your termination date, you should contact the     Funded 401(k) Account, and your 401(k) Rollover
Customer Service Center at (888) 968-4015. Please            Account will be paid out to you. In addition, you will also
make sure that your address is correct on your payroll       be paid the value of the vested portion of your Profit
check when you leave Wal-Mart or a participating sub-        Sharing Account.You will forfeit (give up) the remainder
sidiary or that you give a forwarding address during your    of your Profit Sharing Account, as explained in the
exit interview.To obtain your payout, you will need to       Becoming Vested in Your Profit Sharing Account earli-
access your account on www.benefits.ml.com or by              er in this chapter.
calling the Customer Service Center at (888) 968-4015.
                                                             The amount you will receive will be based on the value
Your consent to the payout is not required and your pay-     of your accounts as of the date the payout is made. If a
out will automatically be made to you:                       cash payout is made directly to you rather than being
                                                             rolled over to an IRA or other employer plan, applicable
• If your total—profit sharing and 401(k) accounts—           taxes will be withheld from your check.
  vested plan balance is or becomes $1,000 or less; or
                                                             A check processing fee of $15 will be applied to your
• If you are over age 65 regardless of the amount of
                                                             plan balance when it is paid out to you.
  your total vested plan balance.
This payout will be made as soon as possible after the
last business day of the third calendar month following
the calendar month in which your termination date is
actually entered into Wal-Mart’s payroll system, unless
you consent to an earlier payout as described above. In
the example above, if you do not consent to payout on
August 19, 2008, your payout would automatically be
made to you as soon as possible after October 31, 2008.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              219
                 How You Receive Your Payout                                     If You Leave and Are
                 You have several options for receiving your payout.             Then Rehired by Wal-Mart
                                                                                 Except for the special situation described below, if you
                 Your accounts will be distributed in a single lump sum
                                                                                 leave Wal-Mart and its subsidiaries after your
                 payment directly to you, unless you elect to roll them
                                                                                 participation in the Plan began and are later rehired
                 over to an IRA or to another employer’s retirement plan.
                                                                                 by Wal-Mart or a participating subsidiary, you will
                 Your accounts will normally be paid to you in cash.             automatically be eligible to participate on your rehire
                 However, you may elect to have your Profit Sharing               date. Similarly, if you leave Wal-Mart and its sub-
                 Account distributed to you in the form of Wal-Mart stock        sidiaries after you have met the 1,000-hour require-
                 (even if it is not invested in Wal-Mart stock at the time       ment but before your actual participation date, you
                 your payout is processed) or partly in cash and partly in       will become a participant on the later of the date you
                 Wal-Mart stock.You may also elect to have Your 401(k)           would have initially become a participant or your
                 Account, your Company-Funded 401(k) Account and your            rehire date. If you were not a participant when you
                 401(k) Rollover Account paid to you in Wal-Mart stock to        left, or had not satisfied the 1,000-hour requirement,
                 the extent those accounts are invested in Wal-Mart stock        you will be treated as a new associate on rehire and
                 at the time your distribution is processed. Any part of         will be required to complete the eligibility require-
                 those accounts that is not invested in Wal-Mart stock at        ments (see When Participation Begins earlier in this
                 the time of your payout will be distributed in cash.            chapter) in order to become a participant in the Plan.

                 If the total of your vested accounts is $1,000 or less, or if   Special rules apply if you left Wal-Mart and its sub-
                 you are over age 65 regardless of the amount of your            sidiaries before February 1, 1997. In that event, if you
                 vested accounts, your payout will be made directly to           were 0 percent vested in the Profit Sharing Plan at the
                 you in a single cash payout. If you wish to take any of         time you left, you will generally be treated as a new
                 your payout in the form of Wal-Mart stock or if you wish        associate and will be required to complete the eligibili-
                 to roll over your payout to an IRA or other employer            ty requirements above if you were not reemployed by
                 plan, you must contact the Customer Service Center with         Wal-Mart Stores, Inc. within five or more consecutive
                 your payout instructions within the time period shown           plan years.
                 in your payout notice. If you fail to contact the Customer
                 Service Center in a timely manner, your payout will be          The Nonvested Portion of
                 made in a single cash payment to you.                           Your Profit Sharing Account
                                                                                 When you terminate employment, the portion of
                 If the total of your vested accounts in the Plan is more
                                                                                 your Profit Sharing Account that is not vested (if any)
                 than $1,000, your payout will not be made until you
                                                                                 will not be paid to you. This nonvested amount is
                 make an election as to the form of payout and con-
                                                                                 called a “forfeiture.”
                 sent to the distribution or until you reach age 65. To
                 obtain your payout, you should contact The Customer             • If you receive a total payout of your vested Plan bal-
                 Service Center.                                                   ance after your termination of employment and
                                                                                   while your Profit Sharing Account is partially vested,
                                                                                   the non-vested portion of your Profit Sharing
                                                                                   Account will be forfeited on the date of your payout.




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                                              2008 Wal-Mart Associate Benefits Book




• If you do not receive a total payout of your vested         Your Prior Years of
  Plan balance after your termination of employment,          Service for Vesting Purposes
  the nonvested portion of your Profit Sharing                 Your years of service with Wal-Mart or a participating
  Account will not be forfeited until you have five con-       subsidiary before you left will be counted for purposes
  secutive “breaks in service.” A break in service is a       of determining your vesting in Wal-Mart’s contributions
  plan year (February 1 - January 31) in which you are        to your Profit Sharing Account after you are rehired.The
  credited with less than 500 hours of service. If you        only time this is not true is if you left Wal-Mart and its
  are absent from work due to the birth or adoption           subsidiaries before February 1, 1997 and you were 0 per-
  of a child and have worked less than 500 hours in           cent vested in the Profit Sharing Plan at the time you left.
  the plan year, you will be credited with enough             In that event, your years of service with Wal-Mart or a
  hours to get you up to 500 hours so that you will           participating subsidiary will not be counted unless you
  not incur a break in service.                               were rehired before five consecutive breaks in service.




                                                                                                                            The Profit Sharing and 401(k) Plan
The nonvested portion of your Profit Sharing Account
will be reinstated (at its former value) if you are rehired   The Income Tax
by Wal-Mart or a participating subsidiary before you          Consequences of a Payout
have five consecutive breaks in service and you pay back       The tax consequences of your participation in the Plan
to the Plan the total amount of your payout within five        are your responsibility.This explanation is only a brief
years after your rehire. If you return to work with Wal-      description of the U.S. federal tax consequences related
Mart or a participating subsidiary after five or more con-     to your participation in the Plan.This description is based
secutive breaks in service, or if you chose not to repay      on current law and current interpretations of the law by
your payout as discussed above, the nonvested portion         the Internal Revenue Service. Because the law is subject
of your Profit Sharing Account will not be reinstated. If      to change and because the application of the law may
you left Wal-Mart and its subsidiaries before February 1,     vary depending on your particular circumstances, this
2000, special rules apply.                                    description is general in nature and you should not rely
                                                              on it in determining your tax consequences.You are
Forfeitures of your nonvested Profit Sharing Account are
                                                              strongly urged to consult a tax advisor with respect to
used to pay plan expenses and for certain other purpos-
                                                              your particular situation.
es, such as to restore account balances as discussed
below. Any remaining forfeitures are added to Wal-Mart’s      Wal-Mart is entitled to a deduction on the amount of
contribution for that plan year and allocated to the profit    its contributions, as well as your contributions, to the
sharing accounts of eligible participants.                    Plan. Your contributions and Wal-Mart’s contributions
                                                              to the Plan, as well as earnings on those contributions,
If you were zero percent vested in your Profit Sharing
                                                              generally are not subject to federal income taxes until
Account when you terminated employment, your non-
                                                              paid to you.
vested Profit Sharing Account will automatically be rein-
stated if you are rehired prior to five consecutive breaks
in service.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              221
                 Postpone Paying Taxes                                          Early Withdrawal Penalty
                 on Payouts Through a Rollover                                  In addition to the income tax withholding, if you take the
                 Although payouts from the Plan are subject to federal          payout rather than rolling it over, in most cases you will
                 income taxes, the Internal Revenue Code provides favor-        be subject to a 10 percent early withdrawal penalty by
                 able tax treatment to payouts in certain circumstances.        the IRS.There are some exceptions to the penalty, such
                 For example, you can postpone paying taxes on your             as death, disability, retirement after age 55 and payouts
                 payout if you direct the Plan to issue your check directly     for certain medical expenses. Special rules also apply to
                 to an IRA or to another employer’s qualified retirement         distributions made to reservists who are called to active
                 plan, a 403(b) plan, or a governmental 457 plan.This is        duty in the military.You may be eligible to apply special
                 called a direct rollover. (The check will be made payable      income averaging rules that could reduce the amount of
                 to the IRA or other plan trustee and it will be delivered to   tax you owe on your payouts.
                 you or your IRA or rollover institution.You will be respon-
                 sible for delivering it to the IRA or other plan trustee       Taxation of Payouts of Wal-Mart Stock
                 within 60 days.) If you handle your payout in this man-        There are also special rules for distributions of Wal-
                 ner, no taxes will be withheld from the amount you are         Mart common stock. Generally, if your entire payout
                 rolling over and such amount will not be taxed until you       consists of Wal-Mart stock, no withholding is required,
                 later receive a payout from the IRA or other plan.             even if you do not elect a direct rollover. If you receive
                 If you do not direct your payout to be directly rolled         cash (in excess of $200) in addition to Wal-Mart stock
                 over, federal law requires that Wal-Mart withhold 20           and the cash is not directly rolled over, some withhold-
                 percent of the payout for federal taxes, and some states       ing may apply but not greater than the amount of
                 also require withholding. In some cases, 20 percent            cash you receive.
                 withholding may not be enough, which could mean                Generally, if you receive Wal-Mart common stock as part
                 that you will owe additional taxes when you file your           of your payout that is not rolled over, you are taxed only
                 income tax return.                                             on the value of the stock at the time it was purchased by
                 If you do not elect a direct rollover (and instead receive     the Plan. If the stock has increased in value since it was
                 an actual plan distribution), you may still roll over those    purchased by the Plan, you will not be taxed on this
                 funds to an IRA or an employer’s qualified retirement           increased value, called “net unrealized appreciation,”
                 plan, 403(b) plan, or governmental 457 plan, as long as        until you actually sell the stock.You can elect, however,
                 you do so within 60 calendar days after you received the       to be taxed on this increase in value at the time of your
                 distribution.The amount rolled over will not be subject        payout.These special tax rules apply only in certain spe-
                 to federal income tax until you take it out of the IRA or      cific situations.You should consult your tax advisor to
                 other plan. If you want to roll over 100 percent of your       see if they apply to your payout.
                 payout to an IRA or other plan, however, you will have to      You should also keep in mind that if you are eligible to
                 use other money to replace the 20 percent that was             elect cash payouts of dividends paid on Wal-Mart stock
                 withheld from your payout. If you roll over only the 80        held in your Profit Sharing Account, the dividend is tax-
                 percent that you received, you will be taxed on the 20         able to you and is not eligible for rollover. The dividend
                 percent that was withheld and that is not rolled over.         is also taxable if you request a financial hardship pay-
                                                                                out from Your 401(k) Account within five business days
                                                                                of the record date for a dividend and the dividend is
                                                                                automatically paid out to you in cash. The dividend
                                                                                payout is not subject to the 10 percent early withdraw-
                                                                                al penalty discussed above. In some cases, Wal-Mart will
                                                                                be entitled to deduct dividends paid on shares subject
                                                                                to this election.




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                                              2008 Wal-Mart Associate Benefits Book




The tax treatment discussed above applies only to pay-         Your request must be made within 60 calendar days of
outs to participants. Different rules may apply to payouts     the denial.Your written request must contain all addi-
to beneficiaries of deceased participants and also to pay-      tional information that you wish the Retirement Plans
outs to alternate payees (such as former spouses and           Committee to consider. If you do not request a review
dependents of participants) under qualified domestic            within this time period, you will be deemed to have
relations orders.                                              waived your right to a review.

Filing a Profit Sharing                                         The Retirement Plans Committee will promptly con-
and 401(k) Plan Claim                                          duct the review. Written notice of the Retirement Plans
                                                               Committee’s decision on review will be provided to you
If you think you are entitled to a benefit beyond that
                                                               within 60 calendar days after the receipt of your
processed by the Plan’s recordkeeper (Merrill Lynch), you
                                                               request, unless special circumstances require an exten-
may file a claim with the Retirement and Savings Plans
                                                               sion of up to 60 additional days. In those circumstances




                                                                                                                             The Profit Sharing and 401(k) Plan
Department at:
                                                               where the review is delayed to allow you to provide
Wal-Mart Stores, Inc.                                          additional information necessary for a proper review,
Attn: Retirement and Savings Plans Department                  the length of the delay will not be included in the cal-
805 Moberly Lane                                               culation of the 60-day deadline and extension periods
Bentonville, AR 72716-0295
                                                               set forth above. The written notice of the Committee’s
(800) 421-1362
                                                               decision will include specific reasons for the decision
If your claim is partially or fully denied, you will receive   and will refer to the specific provisions of the Plan on
written notice of the decision within a reasonable time,       which the decision is based.
but no later than 90 days after the Retirement and
Savings Plans Department receives your claim.The               Administrative Information
Retirement and Savings Plans Department can extend
                                                               Plan Name
this period for up to an additional 90 days if it deter-
mines that special circumstances require an extension of       Wal-Mart Profit Sharing and 401(k) Plan
time.You will receive notice of any extension before the
expiration of the original 90-day period.The written           Plan Sponsor and Plan Administrator
notice you receive will state the specific reasons for the      Wal-Mart Stores, Inc.
                                                               Attn: Retirement and Savings Plans Department
denial of your claim, a specific reference to the provi-
                                                               805 Moberly Lane
sions of the Plan upon which the denial is based, and a        Bentonville, AR 72716-0295
description of the review procedures and the time limits       (800) 421-1362
applicable to such procedures, including your right to
bring a court action following a denial on appeal.             As the Plan Administrator, Wal-Mart Stores, Inc. is respon-
                                                               sible for reporting and disclosure obligations under the
If you do not agree with the decision of the Retirement        Employee Retirement Income Security Act of 1974
and Savings Plans Department, you can request a review         (“ERISA”) and all other obligations required to be per-
of the decision by the Retirement Plans Committee.The          formed by plan administrators under the Internal
Retirement Plans Committee has discretionary authority         Revenue Code and ERISA, except for those obligations
to resolve all questions concerning administration, inter-     delegated to the Retirement Plans Committee or the
pretation, or application of the Plan.Your request must        trustee of the Trust. ERISA is the federal law that imposes
be made in writing and sent to the Retirement and              certain responsibilities on Wal-Mart, the Retirement Plans
Savings Plans Department at:                                   Committee and the trustee with respect to your retire-
Wal-Mart Stores, Inc.                                          ment benefits.
Attn: Retirement and Savings Plans Department
                                                               Subsidiaries of Wal-Mart are permitted to participate in
805 Moberly Lane
Bentonville, AR 72716-0295                                     the Plan.You may obtain a list of subsidiaries currently
(800) 421-1362                                                 participating in the Plan by contacting the Retirement
                                                               and Savings Plans Department.


                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               223
                 Plan Sponsor’s Employer                                       Assignment
                 Identification Number                                          Because this is a retirement plan governed by ERISA and
                 71-0415188                                                    other federal laws, your accounts cannot be assigned or
                                                                               used as collateral for a loan, nor can your accounts be
                 Named Fiduciary                                               garnished or be subject to bankruptcy proceedings.They
                 Wal-Mart Stores, Inc.                                         can, however, be part of a divorce settlement, as
                 Retirement Plans Committee                                    explained later in this summary.
                 805 Moberly Lane
                 Bentonville, AR 72716-0295
                                                                               No PBGC Coverage
                 As the Named Fiduciary of the Plan, the Retirement Plans      ERISA created a governmental agency called the Pension
                 Committee is generally responsible for the manage-            Benefit Guaranty Corporation (PBGC). One of the purpos-
                 ment, interpretation, and administration of the Plan,         es of the PBGC is to provide plan benefit insurance.
                 including but not limited to, eligibility determinations,     However, this insurance is only available to defined ben-
                 investment policies, benefit payments and other func-          efit pension plans and our Plan is a defined contribution
                 tions required, necessary, or advisable to carry out the      plan.Therefore, benefits under the Plan are not insured
                 purpose of the Plan.                                          by the PBGC.

                 Plan Trustee                                                  Plan Amendment or Termination
                 Merrill Lynch Trust Company, FSB                              Wal-Mart reserves the right to amend or terminate the
                 1600 Merrill Lynch Drive
                                                                               Plan at any time. Amendments are made by the
                 MSC-0603
                 Pennington, NJ 08534                                          Retirement Plans Committee with the prior written con-
                                                                               sent of the Executive Committee of Wal-Mart’s Board of
                 One or more trusts hold all Plan assets, such as contribu-    Directors. Neither the Plan nor the benefits described in
                 tions by participants and Wal-Mart’s contributions. As        this summary may be orally amended. All oral state-
                 trustee of the Trust, Merrill Lynch receives and holds con-   ments and representations shall be without force or
                 tributions made to the Plan in trust and invests those        effect even if such statements and representations are
                 contributions according to the policies established           made by a management associate of Wal-Mart or a par-
                 under the Plan.                                               ticipating subsidiary, by any member of the Retirement
                                                                               Plans Committee, or by Merrill Lynch.
                 Agent for Service of Legal Process
                                                                               You may obtain a copy of the formal Plan document by
                 Corporation Trust Company
                 1209 Orange Street                                            writing to:
                 Corporation Trust Center
                                                                               Wal-Mart Stores, Inc.
                 Wilmington, DE 19801
                                                                               Retirement and Savings Plans Department
                                                                               805 Moberly Lane
                 Service of legal process may also be made on the Plan
                                                                               Bentonville, AR 72716-0295
                 Administrator or the trustee.
                                                                               or by contacting the Customer Service Center
                 Plan Number,                                                  at (888) 968-4015.
                 Plan Year, and Type of Plan
                 The plan number is: 003.The plan year is: February 1
                 through January 31.The Profit Sharing and 401(k) Plan is
                 a defined contribution plan (401(k), Profit Sharing and
                 Employee Stock Ownership Plan).




224   For more information, log on to walmartbenefits.com, 24/7 or
                                              2008 Wal-Mart Associate Benefits Book




Statement of ERISA Rights                                     Under ERISA, there are steps you can take to enforce the
As a participant in this Plan, you are entitled to certain    above rights. For instance, if you request materials from
rights and protections under ERISA. ERISA provides that       the Plan and do not receive them within 30 days, you
all plan participants shall be entitled to:                   may file suit in a federal court. In such a case, the court
                                                              may require the Plan Administrator or the Retirement
• Examine, without charge, at the Plan Administrator’s        Plans Committee to provide the materials and pay you
  office and at other specified facilities, all documents       up to $110 a day until you receive the materials, unless
  governing the Plan, including insurance contracts           the materials were not sent because of reasons beyond
  and collective bargaining agreements, and a copy of         the control of the Plan Administrator or the Retirement
  the latest annual report (Form 5500 series) filed by         Plans Committee. If you have a claim for benefits that is
  the Plan with the U.S. Department of Labor and avail-       denied or ignored, in whole or in part, you may file suit in
  able at the Public Disclosure Room of the Employee          a state or federal court. In addition, if you disagree with




                                                                                                                            The Profit Sharing and 401(k) Plan
  Benefits Security Administration.                            the Plan’s decision or lack thereof concerning the quali-
• Obtain, upon written request to the Plan                    fied status of a domestic relations order, you may file suit
  Administrator, copies of documents governing the            in federal court.
  operation of the Plan, including insurance contracts
                                                              If it should happen that Plan fiduciaries misuse the Plan’s
  and collective bargaining agreements, and copies of
                                                              money, or if you are discriminated against for asserting
  the latest annual report (Form 5500 series) and updat-
                                                              your rights, you may seek assistance from the U.S.
  ed Summary Plan Description.The Plan Administrator
                                                              Department of Labor, or you may file suit in a federal
  may make a reasonable charge for the copies.
                                                              court.The court will decide who should pay court costs
• Receive a summary of the Plan’s annual financial             and legal fees. If you are successful, the court may order
  report. The Plan Administrator is required by law to        the person you have sued to pay these costs and fees. If
  furnish each participant with a copy of the summary         you lose, the court may order you to pay these costs and
  financial report.                                            fees, for example, if it finds your claim is frivolous.
• Obtain a statement telling you the current balance of
                                                              If you have any questions about the Plan, you should
  your account and the portion of your account that is
                                                              contact the Plan Administrator or the Retirement Plans
  nonforfeitable (vested). This statement must be
                                                              Committee. If you have any questions about this state-
  requested in writing and is not required to be given
                                                              ment or about your rights under ERISA, you should
  more than once every 12 months. The Plan must pro-
                                                              contact the nearest Regional Office of the Employee
  vide the statement free of charge.
                                                              Benefits Security Administration, U.S. Department of
In addition to creating rights for Plan participants, ERISA   Labor, listed in your telephone directory or the Division
imposes duties upon the people who are responsible for        of Technical Assistance and Inquiries, Employee
the operation of the Plan.The people who operate the          Benefits Security Administration, U.S. Department of
Plan, called “fiduciaries” of the Plan, have a duty to do so   Labor, 200 Constitution Avenue N.W., Washington, D.C.
prudently and in your interest and in that of other Plan      20210. You may also obtain certain publications about
participants and beneficiaries. No one, including your         your rights and responsibilities under ERISA by calling
employer, or any other person, may fire or otherwise dis-      the publications hotline of the Employee Benefits
criminate against you in any way to prevent you from          Security Administration.
obtaining a pension benefit or exercising your rights
under ERISA.

If your claim for a benefit is denied or ignored in whole
or in part, you have a right to know why this was done,
to obtain copies of documents relating to the decision
without charge, and to appeal any denial, all within cer-
tain time schedules.



                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              225
Your Associate Discounts

 Where Can I Find?
 Wal-Mart Associate Discount Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 228
 Sam’s Club Membership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 231
 Discounts on Financial Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 231
 Financial Education. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 231
                                            2008 Wal-Mart Associate Benefits Book




Your Associate Discounts
As a Wal-Mart associate, you receive a 10 percent discount on regularly priced general mer-
chandise items at Wal-Mart with your Wal-Mart Associate Discount Card. You also receive dis-
counts on financial services at Wal-Mart. It pays to spend some time on walmartbenefits.com
to learn about even more discounts available to you—for example, on cars, wireless phone
service, and travel. Your work at Wal-Mart provides much more than just your regular pay.
When you take advantage of all of the Wal-Mart discounts available to you, you’ll save
money—and that helps you live better.

Your Associate Discounts Resources
Find What You Need                 Online                                     Other Resources




                                                                                                                           Your Associate Discounts
To order or cancel your            Use the online “Discount Card              Contact your personnel representative
Wal-Mart Discount Card             Application” by:
                                                                              Call the Retirement and Savings Plans
                                   Logging on to the WIRE, clicking on        Department at (800) 421-1362 or
                                   the Life tab and then clicking “Discount   (479) 273-4664
                                   Card Application” beneath “My Money”


To order your                      To obtain a Long Term Service              Contact your personnel representative
Wal-Mart Long-Term Service         application go to the WIRE, under
                                                                              Call the Retirement and Savings Plans
Discount Card                      “Life” tab click on “Discount Card” or
                                                                              Department at
                                   walmartbenefits.com, click
                                                                              (800) 421-1362 or (479) 273-4664
                                               ,
                                   “My Money” click on “Discount Card“
                                   and print a copy for submission


General information on             PD-14 available on the WIRE
the discount card


For answers to questions about                                                See the member services desk at your local
your Sam's Club membership                                                    Sam's Club or call (888) SHOPSAMS.


For more information about                                                    Visit the Financial Services website at
the discount money services                                                   www.walmart.com/financial-services




What You Need to Know About Your Associate Discounts
• All Wal-Mart associates and their spouses are eligible for a Wal-Mart Discount Card.
• You will automatically receive a discount card for yourself and your spouse at your home address
  within seven to 14 business days after the first pay period that you are employed at Wal-Mart.
• The Wal-Mart Discount Card provides a 10 percent discount at Wal-Mart on regularly priced general
  merchandise and fresh produce.




                      Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               227
                 Wal-Mart Associate Discount Card                            Your Eligible Dependent children (unmarried children
                                                                             under age 19 or unmarried dependent children from
                 As a Wal-Mart associate, you will be able to enjoy a 10
                                                                             age 19 to 23 if they are full-time students at an accredit-
                 percent discount on regularly priced general merchan-
                                                                             ed college) can use your Discount Card and use it for
                 dise items, and fresh produce, purchased at any Wal-
                                                                             their purchases. Discount cards will not be issued to
                 Mart store in the United States and from certain Wal-
                                                                             dependent children.
                 Mart stores abroad. The Wal-Mart Associate Discount
                 Card can also be used on select merchandise on              If You Get Married or
                 www.wal-mart.com.                                           Divorced After Your Hire Date
                                                                             If you get married after you are hired, you can order a
                 Sam’s Club field associates receive a free membership to
                                                                             card for your spouse by completing an online Discount
                 Sam’s Club and are not eligible to receive a Wal-Mart
                                                                             Card application (see Wal-Mart Discount Card
                 Discount Card. Sam’s Club associates are, however, eligi-
                                                                             Resources at the beginning of this chapter) or request-
                 ble to receive a 10 percent discount on fresh produce at
                                                                             ing it through your personnel representative.
                 Sam’s Club with their membership card.
                                                                             Your ex-spouse is no longer eligible for the discount and
                 Discount Card Eligibility                                   his or her card must be returned. If you are not able to
                 You are eligible for the Discount Card if you are:          obtain the card, please complete the online Discount
                                                                             Card application (see Wal-Mart Discount Card
                 • A Wal-Mart associate; or                                  Resources at the beginning of this chapter) to cancel
                 • An associate’s spouse.                                    the card or notify your personnel representative.
                 You don’t need to enroll for a Discount Card—it is auto-
                                                                             Same-Gender Domestic Partners
                 matically ordered for you and your spouse and delivered
                                                                             If you and your partner are Civil Union Partners or
                 to your home address within seven to 14 business days
                                                                             Registered Domestic Partners under the state law of
                 after the first pay period that you are employed at Wal-
                                                                             the state in which you work, your partner may be eligi-
                 Mart. It’s important that you update your Personnel
                                                                             ble for a Discount Card. Additionally, in Massachusetts,
                 Manager with your correct address. If the address is
                                                                             a same-gender spouse is eligible for a Discount Card.
                 not correct, there will be a delay in receiving your
                 Discount Card.                                              Federal tax law requires that a discount received by an
                                                                             associate’s same-gender spouse, domestic partner, or
                                                                             civil union partner must be treated as taxable income to
                                                                             the associate. State and local laws may have similar
                                                                             requirements. Associates should consult their tax advi-
                                                                             sors for more information.

                                                                             To see if your partner or same-gender spouse is
                                                                             eligible for a Discount Card, go to the WIRE and
                                                                             review Policy PD-14.




228   For more information, log on to walmartbenefits.com, 24/7 or
                                              2008 Wal-Mart Associate Benefits Book




The Proper Use of the Discount Card                           What is Not Eligible for a Discount
The use of the Discount Card is governed by                   No discount is given for the following:
policy PD-14.
You are responsible for the proper use of the Discount        • Sale, clearance, or marked-down items
Card by you, your spouse, and any legal dependents            • Most Grocery items (other than fresh produce)
defined above. Please remember:                                • Eye exams in vision centers
• You should not lend your card to anyone who is not          • Items purchased with a tax-exemption ID
  authorized to receive the discount privilege.               • Items purchased for Company use when Wal-Mart is
• You should not use another associate’s Discount Card.         reimbursing the expense
• You should not shop for others to get the discount          • Gasoline purchase
  for them.                                                   • Items matched to a competitor’s ad price
The payment of the purchase should be made by the
person who is authorized to use the Discount Card.




                                                                                                                   Your Associate Discounts
Items you purchase with your Discount Card should not
be bought for the purpose of resale, for use in a business,
or if you are going to be reimbursed for the purchase.

You should report lost or stolen cards immediately to
prevent unauthorized use by someone else.You can
complete the online Discount Card application (see
Wal-Mart Discount Card Resources at the beginning of
this chapter) to cancel the lost or stolen card or see your
personnel representative.Your new card and your
spouse’s new card will be mailed to your home address
and should arrive within seven to 14 business days.

The discount should be applied on items returned or
exchanged for lesser value merchandise.

Unauthorized use of the associate Discount Card benefit
is lost dollars to the Company, which can affect your
incentive programs. Abuse of this benefit can result in:

• Loss of the benefit; and
• Coaching or dismissal from the Company.




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362     229
                 If You Go On a Leave of Absence                              Long-Term Service Discount Card Benefits
                 While you are on an approved Leave of Absence, you will      After You Leave Wal-Mart
                 be able to use your Discount Card privilege.Your             You may qualify for a continued Discount Card
                 Discount Card privilege will end if you are unable to        privilege after your employment with Wal-Mart ends,
                 return to work after one year, unless you are on an          provided you:
                 authorized Military Leave of Absence. If you are on an
                                                                              • Are not terminated for cause (i.e., gross misconduct);
                 authorized military leave, your card(s) will remain active
                 through the end of your leave. If you do not return to       • Do not go to work for a major competitor; and
                 work at the end of your authorized military leave, your      • Have 15 years or more of continuous service and are
                 card(s) will automatically be cancelled. A letter will be      at least age 55 or you have a minimum of 20 years of
                 mailed to your home address to notify you.                     continuous service at any age.
                                                                              Ask your personnel representative for a Long-Term
                 If you have returned to work and your card has been
                                                                              Service (Retiree) Discount Card application 30 days
                 cancelled due to being on a Leave of Absence for over
                                                                              before your retirement so that your discount privilege
                 one year, it will be your responsibility to contact the
                                                                              will not be interrupted. Applications are available on
                 Retirement and Savings Plans Department to have your
                                                                              the WIRE, walmartbenefits.com or by calling
                 card reactivated.
                                                                              the Retirement and Savings Plans Department at
                                                                              (479) 273-4664.You may be required to re-enroll from
                 When Discount Card Benefits End
                                                                              time to time. If required, an enrollment form will be
                 Your Discount Card benefit ends when your employ-
                                                                              mailed to your last known address. It will be your respon-
                 ment with Wal-Mart ends. At this time, you must return
                                                                              sibility to complete the form and return it to the
                 your Discount Card (and your spouse’s Discount Card) to
                                                                              Retirement and Savings Plans Department. If the enroll-
                 your supervisor (unless you meet the requirements for
                                                                              ment form is not received, your card will be cancelled.
                 the long-term-service discount privilege).
                                                                              If your card has been cancelled, contact the Retirement
                 The spouse of a deceased associate will remain eligible      and Savings Plans Department to obtain an enroll-
                 for the Discount Card for 12 months after the death of       ment form.
                 the associate.This benefit applies to Long Term Service
                                                                              If you become divorced or married after you have
                 Discount Cards.
                                                                              received your Long-Term Service card, it is your responsi-
                                                                              bility to contact the Retirement and Savings Plans
                                                                              Department.The Retirement and Savings Plans
                                                                              Department will assist you in removing the spouse card
                                                                              or requesting a new spouse card for you.

                                                                              Any card not used in 18 months will be deactivated. It
                                                                              will be your responsibility to contact the Retirement and
                                                                              Savings Plans Department to discuss the possibility of
                                                                              your card being reactivated.




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                                             2008 Wal-Mart Associate Benefits Book




Sam’s Club Membership                                        • Associates will receive a 10 percent associate dis-
                                                               count when purchasing the Wal-Mart MoneyCard. If
If you are a Sam’s Club field associate, you receive a free
                                                               the associate signs up to have their paycheck direct
membership to Sam’s Club and are eligible to receive a
                                                               deposited onto their card they will get an $8.94
10 percent discount on fresh fruits and vegetables at
                                                               credit to their card. Additionally, if the associate loads
Sam’s Club with your membership card.You can receive
                                                               $750 or more in a month, the monthly fee for the
your Sam’s Club membership card after you receive your
                                                               following month will be waived.
first paycheck from Sam’s Club.
                                                             • Receive 10 percent off check printing
All Wal-Mart associates may purchase a membership to           services (personal & business checks) through
Sam’s Club through payroll deductions.The cost of an           walmartbenefits.com or by calling the
Advantage Membership is $40 (plus tax where applica-           Check Printing Customer Service Center toll-free
ble) per year. The cost of an Advantage Plus                   at (866) 925-2432.
Membership is $100 (plus tax where applicable) per year.
                                                             • Receive 10 percent off credit reports through
If you purchase an Advantage or Advantage Plus mem-
                                                               walmartbenefits.com.
bership, you will receive a personal card and another




                                                                                                                            Your Associate Discounts
                                                             While the Retirement and Savings Plans Department is
card for a spouse or other household member.
                                                             your source for information about the Wal-Mart Discount
Membership cards must be picked up at the local Sam’s
                                                             Card, this department does not manage the financial
Club Membership Desk.
                                                             services discounts. For more information about the dis-
Discounts on Financial Services                              counts on financial services, visit the Financial Services
                                                             website at www.walmart.com/financial-services.
The money services Wal-Mart offers to our customers at
Every Day Low Prices are also available to associates at
                                                             Financial Education
further reduced rates. Benefits provided through
                                                             Learn more about budgeting, managing credit, credit
Financial Services are:
                                                             reports, and buying a home when you take advantage of
• Cash your Wal-Mart payroll check for free at any reg-      your Financial Education benefit. For more information,
  ister, seven days a week.                                  visit walmartbenefits.com.
• Receive a 10 percent discount on fees for Money
  Orders and Express Bill Payments at the Customer
  Service Desk.
• Receive a 10 percent discount on Money Transfer
  fees. Send money throughout the U.S. and to over
  170 countries at the Customer Service Desk.
• Receive a 10 percent discount on
  Product Care Plan fees.
• When an associate opens an account with
  ShareBuilder on walmartbenefits.com
  they receive $25 in their account.
• Receive a 10 percent discount on the Visa Gift Card
  fee. (not available in all states).




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               231
Your Pay Programs

 Where Can I Find?
 Programs that Can Supplement Your Regular Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 234
 Incentive Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 234
 Pay for Performance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 234
 If You Work on Sunday—Premium Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 234
 Shift Differential Pay. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 235
 Travel Pay—Hourly Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 235
 Holiday Bonus. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 235
                                          2008 Wal-Mart Associate Benefits Book




Your Wal-Mart Pay Programs
You may be eligible for several programs that can supplement your regular pay, including
incentive programs, premium pay, and shift differential pay.

Your Pay Program Resources
Find What You Need                   Online                                     Other Resources

Pay and Incentive                     Most policies and programs may be found   Discuss individual questions with your
Questions/Compensation                at the WIRE                               facility’s HR manager or, if applicable, a
                                                                                market HR manager



What You Need to Know About Your Pay Programs
• You may be eligible for several programs that can supplement your regular pay, including incentive programs,
  premium pay and shift differential pay.




                                                                                                                             Your Pay Programs




                     Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362                  233
                 Programs that Can                                           If You Work on Sunday—
                 Supplement Your Regular Pay                                 Premium Pay
                 In addition to the pay you receive for a regular day’s
                                                                             Wal-Mart Stores Division
                 work, there are other programs and benefits that can
                 supplement your income.                                     If you are an hourly associate and you were hired:

                                                                             • On or after September 1, 1991, you will receive
                 Incentive Programs                                            premium pay of an additional $1.00 per hour if you
                 Good teamwork helps bring success. To reward you for          work on a Sunday.
                 contributing to the overall success of the Company or       • Prior to September 1, 1991, you will receive time
                 your facility, you have the opportunity to participate in     and one-half for Sunday hours worked.
                 an incentive programs. These programs are different
                                                                             In some states, state law may override this policy.
                 for each division.

                 Pay for Performance                                         Sam’s Club
                 Wal-Mart rewards associates who meet or exceed the          If you are an hourly associate and you were hired:
                 expectations for their role. Most annual wage increases     • On or after September 1, 1992, you will receive
                 are based upon performance and are given during an            premium pay of an additional $1.00 per hour if you
                 annual evaluation.                                            work on a Sunday.
                                                                             • Prior to September 1, 1992, you will receive time
                                                                               and one-half for Sunday hours worked.
                                                                             In some states, state law may override this policy.




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                                             2008 Wal-Mart Associate Benefits Book




Field Logistics                                              Holiday Bonus
If you are an hourly associate and work on the               Hourly associates who meet all of the below
defined “weekend schedule,” you will receive a weekend        requirements will receive a Holiday Bonus:
schedule premium.
                                                             • Hired prior to January 1, 2001
Shift Differential Pay                                       • Have at least five (5) continuous years of service and
If you are an hourly associate and you work an                 have completed 500 hours of service before the last
“overnight” shift, you may receive an additional hourly        complete pay period ends in November of the
amount based on the facility where you work.                   current year
                                                             • Are employed by Wal-Mart on the date the bonus
Travel Pay—                                                    is distributed.
Hourly Associates                                            Eligible associates receive a holiday bonus each year.
If you are requested to work in a facility other than your   The bonus amount is based on your years of service and
home facility, you will be paid for the additional time      ranges between $20 and $200.
spent traveling to the distant facility.You will also be
reimbursed for all eligible business-related expenses that




                                                                                                                       Your Pay Programs
you incur while you are away from your home facility.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362          235
Your Paid Time-Off

 Where Can I Find?
 Vacation Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 238
 Personal Time . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 238
 Holiday Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 238
 Holiday Bonus. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 238
 Sick Time—Full-Time Hourly Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 239
 Jury Duty. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 239
 Military Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 239
 Bereavement Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 239
                                               2008 Wal-Mart Associate Benefits Book




Your Paid Time-Off
Whether you take a trip or relax at home, it’s important to take time off from work. That’s why
Wal-Mart provides eligible associates with vacation pay and six paid holidays. In addition, paid
time off is available to eligible associates for unplanned absences, such as those for illness, a
death in the family, or jury duty.


 Your Paid Time-Off Resources
 Find What You Need                   Online                                Other Resources

 For more information on vacation                                           Refer to the Vacation Policy (PD-64)
 or personal time                                                           Refer to the Personal Time Policy (PD-65)


 For more information on holidays                                           Refer to the Holidays and Holiday Pay Policy
 and holiday pay                                                            (PD-21)




                                                                                                                            Your Paid Time-Off
 For more information on sick time                                          Refer to the Illness Protection Pay Policy
                                                                            (PD-63)


 For more information on jury duty                                          Refer to the Jury Duty Policy (PD-23)



 For more information on leaves of                                          Refer to the Leave of Absence Policy/Military
 absence, including military leaves                                         Leave (PD-24)


 For more information on                                                    Refer to the Bereavement Time Off Policy
 bereavement time                                                           (PD-06)




What You Need to Know About Your Paid-Time Off
• Full-Time associates and management associates accumulate vacation based on the length of service with
  the Company.
• Full-Time hourly associates begin accumulating sick time after completing six months of employment.
• All eligible associates receive holiday pay for six holidays each year.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               237
                 Vacation Pay                                                   Personal Time
                 Full-Time associates and management associates accu-           After one year of employment, eligible associates can
                 mulate vacation based on the length of service with the        take advantage of personal time off with pay.The
                 Company as follows:                                            amount of Personal Time available is equal to two aver-
                                                                                age workdays per year based on the number of the pre-
                 • One average work week after one year of
                                                                                vious year’s service hours, up to a maximum of 16 hours.
                   continuous service
                 • Two average work weeks after two years of                    For more information, see the Personal Time
                   continuous service                                           Policy (PD-65).

                 • Three average work weeks after seven years of
                   continuous service
                                                                                Holiday Pay
                                                                                All eligible associates receive Holiday Pay for six holidays
                 • Four average work weeks after 15 years of
                                                                                each year:
                   continuous service
                 Full-Time hourly associates can accrue a maximum of            • New Year’s Day
                 40 hours of vacation per week.                                 • Memorial Day

                 Vacation time must be used within one year from the            • Independence Day
                 time it becomes available, where allowed by law.               • Labor Day
                                                                                • Thanksgiving Day
                 In order to be classified as Full-Time in the Company’s
                 payroll system, you must regularly work or have worked         • Christmas Day
                 at least:                                                      For more information, see the Holidays and Holiday Pay
                                                                                Policy (PD-21).
                 • 34 hours per week; or
                 • 28 hours per week if continuously Full-Time prior to         Holiday Bonus
                   January 1, 2002; or                                          Eligible associates receive a holiday bonus each year.
                 • 20 hours per week if continuously Full-Time prior to         The bonus amount is based on your years of service and
                   September 1, 1979.                                           ranges between $20 and $200.
                 In order to qualify for each classification listed above, you
                 must remain continuously employed as full time. If you
                 go to Peak-Time status and then return to Full-Time sta-
                 tus, you must work at least 34 hours per week in order to
                 be classified as full time.

                 Peak-Time associates receive one average week of vaca-
                 tion after two continuous years of service.

                 For more information, see the Vacation Policy (PD-64).

                 If you are a Logistics associate, please see your personnel
                 representative for information on vacation.




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                                             2008 Wal-Mart Associate Benefits Book




Sick Time—                                                   Military Pay
Full-Time Hourly Associates                                  If you need to perform active, full-time U.S. military duty
Wal-Mart’s Illness Protection Plan helps protect you and     or fulfill National Guard or Reserve obligations, you will
your family from the financial hardship you may experi-       be granted Military Leave. If you take a Military Leave to
ence due to lost time at work when you are sick or           fulfill your two-week annual training obligation, you will
injured, or when caring for your sick or injured child, or   be paid the difference between your regular Wal-Mart
on an FMLA Leave of Absence and certain Personal             pay and the military pay you receive.
Leaves of Absence. As a Full-Time hourly associate, once
                                                             For more information, see the Leave of Absence
you have completed six months of employment you can
                                                             Policy/Military Leave Policy (PD-24).
accumulate an average of one-half work day per month,
or a total of six average work days per year.
                                                             Bereavement Pay
For more information, see the Illness Protection Pay         Wal-Mart’s Bereavement Leave program provides limited
Policy (PD-63).                                              time off due to the death of an immediate family mem-
                                                             ber or someone with whom you reside. Eligible associ-
Jury Duty                                                    ates receive time off with pay for one to three days of
When called to serve on jury duty, provide a copy of the     work while on Bereavement Leave. If you need more




                                                                                                                           Your Paid Time-Off
notice to your immediate supervisor, and active associ-      than three days of time off due to special circumstances,
ates will be granted time off to serve. During your jury     you should apply for a Personal Leave of Absence.
duty service, you will be paid as if you had worked your
                                                             For more information, see the Bereavement Time Off
scheduled hours.The compensation you receive from
                                                             Policy (PD-06).
the court belongs to you.

For more information, see the Jury Duty Policy (PD-23).




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362              239
Glossary of Terms
                                              2008 Wal-Mart Associate Benefits Book




Glossary of Terms
Actively-At-Work or Active Work: For Medical, Dental,          Choice Network: The Network option under the
RFL Cancer Insurance and Accident Insurance Policy cov-        Associates’ Medical Plan that has most Network
erage, Actively-At-Work or Active Work means you have          providers (or that generally covers service by Network
reported to work for Wal-Mart.                                 and non-Network providers at the same percentage),
                                                               but that also generally offers less of a provider discount.
For Company-Paid Life Insurance, Optional Life
                                                               See the The Medical Plan chapter for more details.
Insurance, Dependent Life Insurance, Accidental Death
and Dismemberment, Business Travel Accident, Short-            Coinsurance: The percentage of money you pay toward
Term Disability, Short-Term Disability Plus, Long-Term         Covered Expenses after you have used any applicable
Disability, and Truck Driver Long-Term Disability, Actively-   Health Care Credit and after the Annual Deductible has
At-Work or Active Work means you are Actively-At-Work          been met, often expressed as a ratio. Example: 20 per-
with the Company on a day that is one of your sched-           cent (associate)—80 percent (AHWP) if you use Network
uled work days if you are performing, in the usual way, all    providers—depending upon the plan option.
of the regular duties of your job on a Full-Time basis on
                                                               Company: Wal-Mart Stores, Inc. and its participating
that day. You will be deemed to be Actively-At-Work on
                                                               subsidiaries.




                                                                                                                             Glossary of Terms
a day that is not one of your scheduled work days only if
you were Actively-At-Work on the preceding scheduled           Copay: A pre-determined dollar amount you pay for
work day.                                                      Covered Expenses at the time of service. Whether the
                                                               Copay applies to your Out-of-Pocket Maximum varies
Annual Deductible: The amount of Covered Expenses
                                                               depending upon the plan you select.
you pay each year before the Plan starts paying a por-
tion of the Covered Expenses. For the Value Plan, cov-         Covered Expenses: Charges for services and
ered expenses for the Annual Deductible is after you           supplies that are:
have exhausted your Health Care Credit amount.
                                                               • Medically Necessary,
Annual Enrollment or Annual Enrollment Period:
                                                               • not in excess of UCR/MAC,
Annual enrollment period for all associates, usually in
the fall of each year.                                         • not excluded under the Plan, and
                                                               • not otherwise in excess of Plan limits.
Associates’ Health and Welfare Plan (AHWP or Plan):
                                                               Custodial Care: Services that are given merely as
The employer-sponsored health and welfare employee
                                                               “care” in a facility or home to maintain a person’s
benefit plan sponsored by Wal-Mart Stores, Inc., and gov-
                                                               present state of health, which cannot reasonably
erned under the Employee Retirement Income Security
                                                               be expected to significantly improve.
Act of 1974, as amended (ERISA).

Associates’ Medical Plan (AMP): The self-insured
medical benefits offered under the AHWP, as
described in this section.

Basic Network: The Network option under the
Associates’ Medical Plan that has fewer Network
providers than the Choice Network, but that also
generally offers a greater provider discount than the
Choice Network; and that offers more Network
providers than the Limited Network, but also generally
offers less of a provider discount than the Limited
Network. See The Medical Plan chapter for more details.



                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               241
                 Eligible Dependents: Those who can be claimed on                Your dependent is not eligible under your coverage if he
                 the tax return filed by your household as dependents            or she is:
                 (without regard to the dependent’s income) and are
                                                                                 • Covered by the Plan as an associate of Wal-Mart; that
                 limited to:
                                                                                   is, an associate may be either a covered associate or
                 • Your legal spouse of the opposite gender, so long as            a covered dependent, but not both at the same time.
                   you are not legally separated;                                  (This statement does not apply to Optional and
                 • Your unmarried dependent children under age 19; or              Dependent Life and AD&D Insurance coverage.)

                 • Your unmarried dependent children from age 19 to              • Covered by the Plan as a dependent of
                   their 23rd birthday if they are full-time students at an        another associate of Wal-Mart. (This statement
                   accredited school.                                              does not apply to Optional and Dependent Life
                                                                                   Insurance and AD&D coverage.)
                 To be eligible, your dependent children must be one of
                                                                                 • Residing outside the United States, except those
                 the following:
                                                                                   dependents attending college full-time outside of
                 • Natural children;                                               the United States. (This statement does not apply to
                                                                                   Dependent Life Insurance or coverage under a policy
                 • Adopted children or children placed with you
                                                                                   specifically covering expatriates or third country
                   for adoption;
                                                                                   nationals who are employed by the Company.)
                 • Stepchildren who live with you in a parent-child rela-
                                                                                 • An illegal immigrant
                   tionship who either live with you at least 50 percent
                   of the year, or who are full-time students age 19 to          Experimental and/or Investigational:
                   their 23rd birthday; or                                       Medical services that are defined as Experimental
                 • Grandchildren, nieces, nephews, and siblings, if you          and/or Investigational according to protocols
                   have legal custody or guardianship.                           established by your Third Party Administrator.
                 If a court order requires you to provide Medical
                                                                                 Full-Time: You are classified as Full-Time in the
                 and/or Dental coverage for Eligible Dependent chil-
                                                                                 Company’s payroll system. In order to be classified as
                 dren, the Plan does not require that these children are
                                                                                 Full-Time in the Company’s payroll system, an associate
                 able to be claimed as dependents on the tax return
                                                                                 must regularly work at least 34 hours per week (or 28
                 filed by your household. However, the children must
                                                                                 hours per week if classified as Full-Time or management
                 otherwise meet the Plan’s eligibility requirements for
                                                                                 prior to January 1, 2002, or 20 hours per week if classified
                 dependent children.
                                                                                 as Full-Time or management prior to September 1,
                 If Your Child Is Incapable of Self-Support                      1979). When an associate transitions from Full-Time to
                 If your child is not able to attend school full-time or to be   Peak-Time after January 1, 2002, the 28-hour eligibility
                 gainfully employed, coverage may be continued beyond            guideline listed above no longer applies. In the event
                 his or her 19th birthday if:                                    the associate transitions back to Full-Time, the associate
                                                                                 will be required to work at least 34 hours per week. Full-
                 • The child is physically or mentally incapable of self-        Time hourly Field Logistics Associates and Full-Time
                   support and is covered as an Eligible Dependent               hourly pharmacists who are classified as Full-Time in the
                   under a Wal-Mart-sponsored Medical or Dental Plan             Company’s payroll system are exempt from the 34-
                   and/or Dependent Life Insurance as of his or her              hours-per-week rule.)
                   19th birthday, and
                                                                                 Full-Time Truck Driver: Classified as a Full-Time Truck
                 • The child’s doctor provides written medical evidence
                                                                                 Driver in the Company’s payroll system.
                   of disability.




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                                               2008 Wal-Mart Associate Benefits Book




Generic Drug: Generic versions work like the brand              Leave of Absence: Provides associates with needed
name drug in dosage, strength, performance and use,             time away from work while maintaining eligibility for
and must meet the same quality and safety standards.            benefits and continuity of employment. To accommo-
All generic drugs must be reviewed by the FDA. For              date situations that necessitate absence from work, the
more information visit walmartbenefits.com (see also             Company provides three types of leave:
Preferred Brand Name Drug, and Non-Preferred
                                                                • FMLA
Brand Name Drug).
                                                                • Personal
Health Care Credit: The amount of Covered Expenses
                                                                • Military
the Plan will pay under the Value Plan before you must
start paying your Annual Deductible.                            The decision to grant a request for leave shall be
                                                                based on the nature of the request, the effect on work
Hospital: An institution where sick or injured individu-        requirements, and consistency with the policy guide-
als are given medical or surgical care. The Hospital must       lines and procedures.
be a licensed and legally operated acute care general
facility that provides:                                         Limited Network: The Network option under the
                                                                Associates’ Medical Plan that has the fewest Network
• Twenty-four hour room and board and nursing serv-             providers, but that generally offers the greatest provider




                                                                                                                             Glossary of Terms
  ices for all patients with a staff of one or more doc-        discount (not available in all geographic regions). See
  tors available at all times, and                              The Medical Plan chapter for more details.
• On-premise facilities for diagnosis, therapy, and
                                                                Maximum Allowable Charge (MAC): The amount of a
  major surgery.
                                                                provider’s charge (whether Network or non-Network)
A Hospital is an institution that is not primarily a nursing    paid to providers in a given geographic area as deter-
home, rest home, convalescent home, institution for             mined by the Third Party Administrator.
treating substance abuse, or Custodial Care institution.
                                                                Medically Necessary: Procedures, supplies, equipment,
Initial Enrollment Period: The first time you are eligible       or services that are determined by the Plan to be:
to enroll. Initial Enrollment Periods may vary by job status.
See the chart in the Enrollment and Eligibility chapter.        • Appropriate for the symptoms, diagnosis, or treat-
                                                                  ment of a medical condition,
                                                                • Provided for the diagnosis or direct care and treat-
                                                                  ment of the medical condition,
                                                                • Within the standards of good medical practice within
                                                                  the organized medical community,
                                                                • Not primarily for the convenience of the patient or
                                                                  the patient’s doctor or other provider, and




                        Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362               243
                 • The most appropriate procedure, supply, equipment,        Per-Event Deductible: An additional deductible for
                   or service which can be safely provided, and              certain medical services.
                   —There must be valid scientific evidence demonstrat-
                                                                             Preferred Brand Name Drug: Drugs that are on
                    ing that the expected health benefits from the pro-
                                                                             the AHWP’s preferred drug list. This list can be found
                    cedure, supply, equipment, or service are clinically
                                                                             at walmartbenefits.com. For more information
                    significant and produce a greater likelihood of ben-
                                                                             walmartbenefits.com (see also Non-Preferred Brand
                    efit, without a disproportionately greater risk of
                                                                             Name Drug, and Generic Drug).
                    harm or complications for the patient with the par-
                    ticular medical condition being treated than other       Proof of Good Health: Includes completing a
                    possible alternatives;                                   questionnaire regarding your medical history and
                   —Generally accepted forms of treatment that are less      possibly having a medical exam. The Proof of Good
                    invasive have been tried and found to be ineffective     Health questionnaire is made available when you enroll.
                    or are otherwise unsuitable; and                         Specialty Drug: Specialty drugs are those pharmaceuti-
                   —For Hospital stays, acute care as an inpatient is nec-   cals that target and treat specific chronic or genetic con-
                    essary due to the kind of services the patient is        ditions. Specialty drugs include biopharmaceuticals (bio-
                    receiving or the severity of the medical condition,      engineered proteins), blood-derived products, and com-
                    and safe and adequate care cannot be received as         plex molecules.They are available in oral, injectable, or
                    an outpatient or in a less intensive medical setting.    infused forms.The list of Eligible Specialty Drugs is
                                                                             available at walmartbenefits.com.
                 Network: Health care providers that have a written
                 agreement to provide services at discounted rates.          Status Change Event: A Status Change Event
                                                                             is an event that allows you to make changes to
                 Network Hospital: A Hospital that has a written agree-
                                                                             your coverage outside of the Initial Enrollment
                 ment to provide services at a discounted rate.
                                                                             Period or Open Enrollment Period and is in accor-
                 Non-Preferred Brand Name Drug: A drug that is not           dance with federal law. These events are listed in
                 on a Preferred Brand Name Drug list or a generic drug.      the Eligibility and Enrollment chapter.
                 For more information visit walmartbenefits.com (see
                                                                             Temporary: You are classified as Temporary in the
                 also Preferred Brand Name Drug, and Generic Drug).
                                                                             Company’s payroll system.
                 Out-of-Pocket Maximum: The maximum amount
                                                                             Third Party Administrator (TPA): A third party that
                 of money you pay before the Plan begins paying 100
                                                                             makes claims determinations under the AHWP. Third
                 percent of Covered Expenses for the remainder of the
                                                                             Party Administrators process your claims with respect
                 calendar year.
                                                                             to the AHWP’s self-funded medical benefits. Third
                 • Deductibles, Copays, and the money you pay                Party Administrators do not insure any benefits under
                   for Network services apply to your Out-of-                the AHWP.
                   Pocket Maximum.
                 • Amounts you pay above UCR/MAC, the money you
                   pay for non-Network services, and charges for servic-
                   es not normally covered under the Plan do not apply
                   to your Out-of-Pocket Maximum and vary depending
                   upon the AMP option you select.
                 Part-Time Truck Driver: Classified as a Part-Time Truck
                 Driver in the Company’s payroll system.

                 Peak-Time: Classified as Peak-Time in the Company’s
                 payroll system.



244   For more information, log on to walmartbenefits.com, 24/7 or
                                             2008 Wal-Mart Associate Benefits Book




Total Disability or Totally Disabled for Short-Term          Total Disability or Totally Disabled for Truck Driver
Disability or Short-Term Disability Plus:                    Long-Term Disability:
• You are unable to perform the essential duties of Your     • During your waiting period and for the next 12
  Occupation according to the medical evidence pro-            months, you are unable to perform the essential
  vided by a qualified doctor other than you or a family        duties of Your Occupation according to medical evi-
  member (failure to meet requirements necessary to            dence provided by a qualified doctor other than you
  maintain a license to perform the duties of Your             or a family member, and as a result you are earning
  Occupation does not mean you are Totally Disabled);          less than 50 percent of your average monthly wage,
• You are under the continuous care of a qualified doc-         unless engaged in a program of rehabilitative
  tor; and                                                     employment approved by The Hartford. Failure to
                                                               meet the requirements necessary to maintain a
• The disability is due to injury, sickness, or pregnancy.
                                                               license to perform the duties of Your Occupation
Total Disability or Totally Disabled for Full-Time and         does not mean you are Totally Disabled.
Management Long-Term Disability:                             • After 12 months, you are unable to perform the
• You are unable to perform the essential duties of            essential duties of any occupation.
  Your Occupation (or any occupation after 12
                                                             • The disability must be due to accidental bodily
  months of benefit payments) according to the med-
                                                               injury, sickness, substance abuse, or pregnancy.




                                                                                                                       Glossary of Terms
  ical evidence provided by a qualified doctor other
  than you or a family member (failure to meet               Usual, Customary, and Reasonable (UCR)
  requirements necessary to maintain a license to per-       (as determined by the Third Party Administrator):
  form the duties of Your Occupation does not mean             Usual—The fee regularly charged for a given service
  you are Totally Disabled);                                   or supply by medical providers;
• You are under the continuous care of a qualified              Customary—A fee that is within the accepted range
  doctor; and                                                  of usual fees charged by other providers of similar
• The disability is due to accidental bodily injury,           training and experience for services within the same
  sickness, substance abuse or pregnancy.                      specific and limited geographical area; and
                                                               Reasonable—A fee that meets the two criteria
                                                               above and is justifiable, considering the special cir-
                                                               cumstances of a particular case in question.

                                                             Your Occupation (for Total Disability)
                                                             Includes similar job positions with the Company with
                                                             a rate of pay 50 percent or greater of your indexed
                                                             pre-disability earnings.




                       Visit Ask Betty from the WIRE at work or call the Benefits Department at (800) 421-1362          245
Help and
 Information
       If you have questions about                      Call or go here

   • When you’re eligible for benefits       Wal-Mart