Please note: Full details of the benefit plans are included in the Summary Plan Descriptions (SPDs) of the plans on Sysco Benefits Center website. Read full Disclaimer.

Sysco’s 2017 Benefits

Sysco offers a competitive, comprehensive benefits package with a variety of choices to fit your needs.

The benefits summarized in this guide include those you get automatically as a Sysco associate, and group and voluntary benefits you can select during benefits enrollment.

The healthcare information in this guide applies to the four national health plans administered by BlueCross BlueShield. For information about other local HMO plans offered in certain locations, please contact the Sysco Benefits Center at 1-800-55-SYSCO.

Table of Contents

Your Benefits Menu    
Learn. Plan. Enroll. Page 1 Table Reservations
Who’s Eligible? Page 3
Medical Page 5 Main Courses
Prescription Drugs Page 15
Telehealth Page 17
Mental Health / Substance Use Disorder Page 19
Employee Assistance Program (EAP) Page 21
WorkLife Services Benefit Page 22
Wellness Rewards Program Page 23
Dental Page 25
Vision Page 26
Flexible Spending Accounts Page 27 Tempting Sides
Life AD&D Page 31
Disability Page 33
Voluntary Benefits Page 35
401(k) Page 44 Desserts
Employee Stock Purchase Plan (ESPP) Page 47
Discounts & Extras Page 48
Contact Information Page 49 At Your Service

Table Reservations

Before you sit down and order from Sysco’s satisfying Benefits Menu, you’ll want to do some planning. When are you enrolling? What dependents will join you and be covered under Sysco benefits? It’s time to learn, plan and enroll so you can make the right table reservation for you and your family.

Learn. Plan. Enroll.

Before you enroll for benefits, make sure you learn about your choices by using the enrollment tools. When you do, you can make an informed choice about your benefits coverage. You will find premium costs for your benefit options in the enrollment system when you log on to enroll.

The choices you make during the benefits enrollment period will remain in effect until the next plan year, unless you have a qualifying life event such as marriage, divorce, birth or adoption of a child, or a gain or loss of coverage through another insurer.

When to Enroll or Make Changes

Your enrollment period depends on whether you are enrolling during annual benefits enrollment, as a new hire or as an associate who is newly eligible for benefits.

Note: You are responsible for ensuring that your benefit elections are correct. Be sure to check the confirmation you receive after submitting your elections online (or by mail if enrolled by phone) for new hire, open enrollment or a change in status. You can access your elections online 24/7 by visiting the Total Rewards Café.

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How To Enroll

There are two ways to enroll. Just choose the option that’s easiest for you! You can enroll:

  • Online at SyscoBenefits.com.
  • Over the phone through the Sysco Benefits Center at 1-800-55-SYSCO.

At SyscoBenefits.com, you can find simple step-by-step instructions for using the enrollment system.

Questions?

The Sysco Benefits Center will be available to answer any benefits or enrollment questions that you may have, Monday – Friday, 7 a.m. – 7 p.m. Central time. To contact the Sysco Benefits Center call 1-800-55-SYSCO; or you can chat online with a representative on the Sysco Benefits Center website.

2

Who’s Eligible?

Group Benefits

Full-time, active associates in the U.S. are eligible for Sysco’s group benefits (medical, dental, vision, life, AD&D, long-term disability and flexible spending accounts).

You can find eligibility information for other benefits with their descriptions on the following pages of this guide.

You may also cover certain family members including:

  • Your legal spouse or a same-sex domestic partner (as defined here ).
  • Your biological child, adopted child, stepchild or foster child – Read more about dependent child eligibility .

You may carry your same-sex spouse or approved same-sex domestic partner and the biological, adopted or foster children of that person on your group benefits insurance.

It is your responsibility to confirm and verify that an individual meets the definition of a dependent and provide any and all proper documentation for dependents when requested.

3

Dependent Eligibility Audit

Part of the enrollment process includes verifying your dependents covered under Sysco's benefit plans. Dependents are eligible for benefits, provided they meet the eligibility rules defined in the Sysco benefit plans. Sysco may conduct an audit of dependent data after the enrollment period ends. Learn more.

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Main Course

Medical

Sysco’s Medical Plan Options

Sysco provides you with four medical plan options, so you can select the one that’s right for you and your family:

  • Basic Plan
  • HSA Plan
  • PPO Plan
  • National HMO Plan

All four plans are administered by BlueCross BlueShield and have access to the same network of providers. Once you choose your plan, you can select the level of coverage you need:

  • Associate Only
  • Associate + Spouse/Domestic Partner
  • Associate + Child(ren)
  • Associate + Family

The cost of coverage can be found by logging in to the online enrollment system.

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Great Medical Pairings

Sysco’s medical options are great menu choices. But they can be even more satisfying when you add one of these delicious pairs.

  • Hospital Indemnity coverage - This benefit helps you pay the costs of expensive hospital visits, beyond what your medical plan covers.
  • Critical Illness coverage - This benefit offers an extra layer of insurance to help you cover significant out-of-pocket costs if you or your family member becomes critically ill.

We’re Self-funded

Sysco’s medical plans are self-funded. That means that while claims are processed and paid by companies like BlueCross BlueShield (BCBS) the money actually comes from Sysco’s bank account. Sysco funds the majority of the cost and associates fund the rest through premiums, deductible expenses, copays, and coinsurance. Throughout the year, we will encourage you to use these benefits as wisely as you use other Sysco resources. Using generic drugs instead of name brands, getting regular preventive care and creating a relationship with a good doctor are all ways to use your medical benefits wisely.

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Basic Plan

The Basic plan is designed for people who use healthcare infrequently and have enough savings to pay a higher deductible and coinsurance, if they need an unexpected surgery or hospital visit. For example, if you are generally healthy and only see a doctor for the occasional sore throat, this plan might be a good option for you. You’ll pay lower premiums, but your costs will be higher when you need care.

How the Plan Works

The Basic plan offers free preventive care, copays for visits to in-network doctor’s offices (excluding specialists) and some urgent care clinics. You also pay copays or coinsurance for prescription drugs. For all other care, you must meet your deductible , then you’ll pay 30% coinsurance for in-network. If you reach the out-of-pocket maximum, you won’t pay anything for covered services for the rest of the year. See more details .

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Extra Coverage for Large Hospital Bills

When you have an unexpected medical need, costs can add up quickly—especially when you have a higher deductible and higher coinsurance payments. That’s why Sysco is picking up the tab for Associate Only Hospital Indemnity coverage when you enroll in the Basic plan!

Hospital Indemnity coverage helps you pay the costs of expensive hospital visits by paying $1,000 each time (once per year) you are admitted to the hospital for a covered illness or injury, and $100 per day, up to 15 days (once per year) for each day you spend in the hospital.

While Sysco is picking up the Associate Only premium cost, you have the option to purchase additional coverage for your spouse or dependent children. Learn more about Hospital Indemnity coverage.

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HSA Plan

The HSA plan is a great medical combo—a Consumer Directed Health Plan coupled with a Health Savings Account (or HSA). This plan comes with good coverage at a lower cost than most associates are paying today. It allows you to save pre-tax dollars to pay for your care. You can even keep your leftover dollars to pay for care in future years or in retirement.

Helping You Save

In 2017, Sysco will contribute $250 for individual and $500 for family coverage to your Health Savings Account in January to help you lower your out-of-pocket costs and save more. Then, you can make pre-tax contributions from your paycheck to build your savings to pay for healthcare now or in the future.

There’s no “use it or lose it” with your HSA. Sysco’s contribution and your HSA savings are always yours to keep or use toward healthcare expenses.

The insurance portion of the plan is administered by BCBS and your HSA is managed by Fidelity.

Learn more about the IRS Requirements .

The HSA medical option is sometimes overlooked because it is less familiar to associates than more traditional plans. You owe it to yourself and your family to understand how it works. Check out the “Taste of HSA" video, which explains the plan in simple terms and the “Take Another Look at the HSA” video to bust some common myths about the HSA.

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How the Plan Works

The HSA plan offers free preventive care. When you need other medical care, you can use your HSA dollars or pay out-of-pocket, so your savings can continue to invest as you direct. Once you’ve met your deductible , your coinsurance benefits begin. You’ll pay just 10% for your in-network covered medical services. If you reach your out-of-pocket maximum, you won’t pay anything for covered services for the rest of the year. See more details .

Accessing Your HSA

You can pay for eligible medical expenses directly from your account by using a healthcare debit card, online bill pay, or checks. If you pay out of pocket, you can reimburse yourself with a check. Be sure to keep your receipts in case the IRS audits your tax return.

To learn more about accessing your account and which medical expenses are eligible, visit Fidelity’s NetBenefits site.

Activating Your HSA

If you enroll online, Sysco will automatically set up your Fidelity HSA after your enrollment. To complete the activation process you will need to open your Health Savings Account before you can make contributions to your account. To receive a debit card and use the investment feature of the account, you need to complete the activation process on NetBenefits.com. Just log in using your existing Fidelity username and password (or create an account if you don’t have one) and follow the prompts to activate your HSA. You may also reach Fidelity by calling the Sysco Benefits Center at 1-800-55-SYSCO.

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PPO Plan

With the PPO plan, you get free preventive care and pay copays for visits to in-network doctor’s offices (excluding specialists), some urgent care clinics and emergency rooms. You also pay copays or coinsurance for prescription drugs. For other care, you meet a deductible and then pay 20% coinsurance until you meet your out-of-pocket maximum. See all the details.

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National HMO Plan

The National HMO plan is administered by BlueCross BlueShield (BCBS) and designed for people who are able to pay higher premiums out of their paycheck in exchange for lower out-of-pocket costs when they use healthcare services. You pay copays for your medical care within the same BCBS robust network used by all other BCBS options, but you don’t receive any out-of-network benefits that are offered with the Basic, HSA and PPO plans. The plan is designed for people who are able to pay higher premiums out-of-network benefits.

How the Plan Works

The National HMO plan offers free preventive care and copays for all in-network covered services with no deductible. If you meet your out-of-pocket maximum, you pay nothing for in-network covered services.

The National HMO plan does not require a referral to see a specialist, but you must choose in-network providers for all of your medical care. You will pay the full cost of any out-of-network care you receive, with the exception of care relating to a life-threatening emergency.

If you reach the annual out-of-pocket maximum, you won’t pay anything for covered services for the rest of the year. See more details.

Note: Due to differences in network coverage in some areas of the U.S., you may be offered a local HMO option in addition to the National HMO plan when you log in to enroll. Please contact the Sysco Benefits Center if you have any questions.

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Medical Tools & Resources

Choosing the Right Medical Plan

Sysco offers four medical plans so that you can get the coverage you and your family need. Some associates need just a little coverage, other associates prefer a larger medical plate. But choosing the right plan can seem like a tough choice. We have two tools to help!

  • “What’s Your Medical Type?” Quiz — Need to do a medical drive-through? No problem. This interactive quiz just takes a few minutes and will rank the four medical plans based on your answers.
  • Estimator Tool — Prefer a hearty tool that will help you predict the right plan for you? Then check out this robust tool where you input the care you may need and let it estimate how you will come out under each of the medical plans.
  • Express Scripts RX Tool - Concerned about prescription drug costs? Check out this robust Express Scripts tool that allows you to estimate prescription drug costs under each of the medical plans. Another tool to help you choose the right medical plan for you. To access the RX tool, click on the Open Enrollment Information box

Finding Doctors & Other Medical Providers

To find BlueCross BlueShield (BCBS) in-network doctors and facilities, go to www.bcbsil.com/sysco and click Find a Doctor or Hospital.

If you choose the National HMO plan, you must use network providers to receive any benefits. If you choose one of the other plans, using network providers will help you get the best benefit.

Need a Form?

You can find claim forms and other BCBS forms at www.bcbsil.com/sysco.

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Health Management Programs

Sysco’s medical insurance through BCBS includes programs to help you improve your health and well-being and make decisions about the healthcare that’s right for you.

Tobacco Cessation Program

When you are ready to quit tobacco, Sysco offers free resources to help. You and your dependents, who are at least 18 years old, can enroll by calling 1-866-412-8795 or 1-800-55-SYSCO. Learn more about the coaching and free prescriptions to help you kick the habit.

Mandatory Maternity Program

If you are expecting a child, the Special Beginnings Maternity Program can help you better understand and manage your pregnancy. Available at no additional cost to medical plan participants, this maternity program supports you from early pregnancy until six weeks after delivery. Learn More

Other Health Management Programs

There are also programs to help you improve your health, manage chronic conditions like diabetes, have a healthy pregnancy and navigate complicated health situations. Learn more.

Note: There is a pre-call requirements for MRI and CT scans for all participants. There is Penalty of $200 if this call is not made before imaging.

Pregnant participants must enroll within the first trimester of pregnancy or pay a $250 penalty.

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Prescription Drugs

Sysco’s prescription drug benefits are administered by Express Scripts. The Basic, HSA, PPO and National HMO plans offer the same prescription drug benefit with one exception: the HSA plan requires you to meet your deductible before the plan pays a portion of your costs. If you enroll in a local HMO plan, please contact your HMO provider for prescription drug coverage details.

Go Generic

The best way to save money on prescriptions is to choose generic drugs whenever they are available. Many drugs have generic alternatives that are just as effective but cost much less than the brand name drug. Ask your doctor if a generic alternative would work for you or if another drug is available that has a generic alternative.

Mail Order Required for Maintenance Drugs

Maintenance medications must be filled by mail order. The initial fill and first two refills for certain drugs will be covered. But after that, you must refill the drug through Express Scripts mail order service or pay the entire cost of the drug out-of-pocket. What’s a maintenance medication?

Attention! New Brand Name Drug Requirements for 2017

If you (as a plan participant) receive a brand name drug in place of a generic in either of the situations below, the plan will only cover the cost of the generic drug, requiring the you to pay the cost difference between the generic drug and the brand name drug:

  • The doctor writes a prescription for a brand name drug and indicates the patient (plan participant) should not be switched to the generic.
  • The patient (plan participant) tells the pharmacist that they are only to have the brand name drug and that they do not want to be switched to a generic.

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Mail Order

There are many advantages to filling your prescriptions through Express Scripts mail order service.

Using Express Scripts mail order service is:

  • Convenient – your prescriptions are delivered right to your door and standard shipping is free.
  • Easy – You can request refills by mail, online or over the phone
  • Less expensive – over time, you will pay less when you use mail order
  • Personalized – Access a specialist pharmacist by phone to answer your questions

Using the Express Scripts mail order service is simple. After you have had three fills of the maintenance drug at the same dosage, you can fill your prescription by mail or by fax.

Fill Your Prescriptions
By Mail
By Phone
By Fax

Filling generic drugs and using mail order are only two ways that you can spend your healthcare dollars wisely. Ask your doctor questions about the prescription you’ll be taking to ensure you understand how it works in your body and how to take it correctly.

For More Information or Forms

Contact Express Scripts or 1-800-55-SYSCO.

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Telehealth

No time to make it to your regular doctor? Out of town and need an emergency short-term prescription? Sysco is offering Telehealth*, which is administered by MDLIVE. When you enroll in any of the medical plans described in this eGuide, you will automatically have access to the Telehealth service.

Telehealth is a great alternative to costly ER or urgent care visits. Plus, it’s easy and convenient. You can contact MDLIVE and for $40 copay, you can get medical consultation over the phone or by online video chat 24/7/365.

Telehealth is a great option when:

  • You need treatment for a minor illness (e.g., allergies; cold and flu symptoms; sinus, respiratory or urinary tract infections)
  • Your work hours make it difficult to schedule a doctor’s appointment
  • Your regular doctor is booked

*The Telehealth service is available, where permitted by your state.

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How It Works

After your Sysco coverage begins, go ahead complete the registration process. By registering in advance, you will be able to speak with a doctor quickly when you need care. To register contact MDLIVE at 1-888-723-1913 or online at MDLIVE.com/Sysco.

Then when you need non-emergency care, you can call MDLIVE at 1-888-723-1913 or go to MDLIVE.com/Sysco to chat online. For even more convenience, you can download the MDLIVE app and talk to a doctor using your smartphone.

You’ll be connected with a board-certified doctor who will consult with you about your illness for a $40 copay. The doctor will recommend treatment based on your symptoms. If you need medicine (like antibiotics), the doctor’s prescription will be sent to the pharmacy you request. If you need care beyond what Telehealth can provide, you’ll be referred to your doctor.

TIP: To register for Telehealth, you’ll need the primary member’s name, gender, date of birth and BlueCross BlueShield subscriber ID. You’ll also need the names and dosages of any prescriptions you are taking.

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Mental Health/Substance Use Disorder Benefits

Which Medical Plan Do You Have?

Optum administers mental health benefits for associates in the Basic, HSA, PPO and National HMO medical plans.

Deductibles and out-of-pocket maximums for mental health are combined with the medical deductibles and out-of-pocket maximums.

Note: If you enroll in a local HMO plan (one not administered by BlueCross BlueShield), please contact your HMO provider for mental health coverage information.

Covered Services

It is important that you and your provider consult with Optum to determine if a service you are seeking is covered and, if so, at what level. Learn more.

Visit with a doctor or therapist from the privacy of your own home with Telemental Health, offered through Optum. Learn more.

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Pre-certification

Pre-certification is required for inpatient services and non-standard services. If these services are not pre-certified, they will be subject to a penalty. Non-standard services include the following:

  • Intensive Outpatient
  • Outpatient ECT
  • Psychological/Neuropsych Testing
  • Extended Outpatient Treatment Visits (beyond 45 - 50 minutes with/without medication management)

To pre-certify, call Optum at 1-866-519-6166.

Accessing Providers

The best way to access providers in the network is to call Optum at 1-800-557-9726. Trained specialists will guide you through the process of accessing treatment, whether it is through the five free visits provided through the EAP or through the mental health benefits of the plan.

You can also find provider’s listed on Optum’s website.

If you are not registered, select the following option (on the right of the page):

  1. Click here to enter using only an Access Code
  2. Enter the Access code 71034 (or Sysco)
  3. Click on the Agreement
  4. Choose Find a Mental Health Clinician (at the top of the page)

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Employee Assistance Program

Sysco offers an Employee Assistance Program (EAP), at no cost to you, to help you and your family cope when life gets challenging. The EAP, administered by Optum, can assist with issues such as communicating effectively, managing stress, family conflict, overcoming anxiety, depression, financial planning, legal questions and much more.

It’s a confidential counseling and information service for all Sysco associates and covered dependents. You and anyone in your household can get up to five free visits per issue, per year.

All EAP services must be pre-certified through Optum. You can call Optum for pre-certification on Sysco’s benefits hotline at 1-800-55-SYSCO or 1-866-519-6166.

Pre-certification by Optum is required for all EAP treatment. If extended or long-term treatment is required, benefits may be paid by your mental health/substance use disorder coverage. All associates and dependents will be referred to an in-network Optum provider.

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WorkLife Services Benefit

Sysco offers the WorkLife Services Benefit, at no cost to you, to help you balance the demands of work and home. This benefit, administered by Optum, is available anytime you need it, and provides you with confidential support and personalized information and resources to help you face everyday challenges or more serious problems such as:

  • Child and elder care services
  • Financial assistance services
  • Parenting and family support
  • Adoption consultation and referrals
  • Learning to live with chronic illness
  • Home maintenance referrals

 

To access this benefit, call Sysco’s benefits hotline at 1-800-55-SYSCO or 1-800-557-9726. You can also visit www.liveandworkwell.com and enter access code 71034.

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Wellness Rewards Program

You can earn up to $600 to use for out-of-pocket healthcare expenses when you participate in Sysco’s 2017 Wellness Rewards Program by November 1, 2016. You could earn a total of $400 for yourself or $600 for yourself and a covered spouse.

Eligibility

If you and your spouse are enrolled in a Sysco-sponsored medical plan in 2017, you are both eligible to participate. However, to receive a reward, you must complete the requirements by the deadline for that year. New hires, who join Sysco too late in the year to meet the deadline, must wait until the following year.

Earning Rewards

You and your covered spouse can earn rewards by getting a physical or by having a biometric screening done. Sysco wants to encourage you to receive regular preventive care. In addition to ensuring you are in good health and spotting small issues before they become larger ones, annual physicals provide an opportunity to develop a relationship with your doctor.

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Using Rewards

If You Enroll in the HSA

If you participate in the HSA medical plan option, your rewards will be deposited into your HSA and may be used the same way you use any funds in your HSA.

Be aware that any rewards you earn will count toward the IRS maximum for HSAs (The maximum for 2017 is $3,400 for individuals and $6,750 for families). If you contribute your own pre-tax dollars to your HSA, be sure to plan accordingly. This account will be managed by Fidelity.

If You Enroll in the Basic, PPO or HMO plan

If you participate in any of the other Sysco-sponsored medical plans, a Health Reimbursement Account (HRA) will be created for you and your reward will be deposited into it. Learn More.

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Dental

Sysco offers two dental options through MetLife—the Basic Option and the Premium Option. Both plans allow you to use any dentist, but your costs will be lower if you choose a dentist in the MetLife dental network. The cost of dental coverage can be found by logging in to the online enrollment system.

To find a participating dentist, log onto the enrollment system or visit www.metlife.com/mybenefits. Note: Type “Sysco” when prompted for your company name to access the sign-in page. If you have not accessed the site before, you’ll need to register. Claim forms can also be found on the MetLife site.

Please note that you will not receive an ID card. When you book an appointment, let the office know you have MetLife coverage and give them your Social Security number and the Sysco Benefits Center phone number, 1-800-55-SYSCO to reach MetLife for eligibility verification.

If you need dental services that cost more than $300, it’s a good idea to contact MetLife and ask for a pre-determination of benefits. Then you’ll know what out-of-pocket costs to expect.

Learn more about Sysco’s Dental options.

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Vision

Sysco’s Vision plan is offered through Vision Service Plan (VSP), and covers routine eye exams, prescription eyeglasses and contact lenses. See the details.

Your costs will be lower when you use VSP providers or affiliated providers, which you can find via the enrollment system or at VSP.com. Claim forms can also be found on VSP’s site.

There is no ID card for your vision benefit. When you book an appointment, let the office know you have VSP coverage and give them your Social Security number and the Sysco Benefits Center phone number, 1-800-55-SYSCO to reach VSP for eligibility verification.

The cost of coverage can be found by logging in to the online enrollment system.

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Tempting Sides

Flexible Spending Accounts

Anything you can do to reduce your taxable income helps to lower the taxes you pay at the end of the year. You can do just that by taking advantage of the Flexible Spending Accounts (FSAs). These accounts are administered through Aon Hewitt.

Sysco offers three types of flexible spending accounts: a Health Care FSA, a Limited Use FSA, and a Dependent Day Care FSA. You can contribute tax-free dollars to your FSA, up to $2,550 for the Health Care or Limited Use FSA and up to $5,000 for the Dependent Day Care FSA.*

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Health Care FSA

Use the Health Care FSA to reimburse yourself for eligible medical, dental and vision care for yourself, spouse and dependent children. Learn more about the Health Care FSA.

Dependent Day Care FSA

The Dependent Day Care FSA is used to reimburse yourself for day care, day camp, or other expenses you pay because both you and your spouse work, your spouse goes to school full-time or your spouse isn't mentally or physically able to care for himself or herself.

Learn more about the Dependent Day Care FSA.

Limited Use FSA (for HSA Enrollees)

The Limited Use FSA is for associates who enroll in the HSA plan, the money set aside in this FSA can only be used for dental and vision costs. You would use your Health Savings Account for your medical expenses.

Learn more about the Limited Use FSA.

*IRS limits will be updated upon new guidance.

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Flexible Spending Account

How the FSA Works

When you enroll, you’ll select how much of your pay you’d like to set aside in your Flexible Spending Account for 2017. Sysco divides that amount by the number of paychecks in the year (or remaining in the year if you are enrolling as a new hire).

Accessing Your FSA

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Plan Carefully

Whenever you participate in an FSA, plan carefully.

  • You can’t stop, start or change your FSA contributions mid-year unless you have a qualified change in status.
  • If you don’t use all the money in your FSA each year, you lose it. You have until March 31 of the following year to claim reimbursement of expenses incurred during the calendar year in which you made contributions.
  • You must file claims and also provide substantiation for any expenses by March 31 of the year following the date of the expense.

If you are concerned about losing funds you don’t use, you may want to consider the Health Savings Account (HSA) plan instead. The HSA balance rolls forward every year and––just like the Health Care FSA–it can be used to pay for medical, dental and vision expenses. Remember that if you enroll in the HSA and you want to participate in the FSA, you must choose the Limited Use FSA.

For more information, visit the benefits enrollment site (accessible from SyscoBenefits.com).

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Life and AD&D Insurance

Sysco offers you a variety of benefits to protect your family in the event of your death or disability, like life and accidental death & dismemberment insurance. Sysco’s life and accidental death and dismemberment (AD&D) insurance are offered through Prudential.

Basic Life & Basic AD&D Coverage — Sysco Pays 100%

Sysco provides Basic Life and Accidental Death & Dismemberment (AD&D) Insurance to protect your family in the event of your death or disability.

Sysco pays the full cost of your Basic Life and Basic AD&D coverage. These benefits are automatically yours, as an eligible Sysco associate.

  • Basic Life Insurance provides coverage equal to 1.5 times your previous year’s eligible earnings (rounded up to the nearest $1,000) to a maximum of $225,000.
  • Basic Accidental Death & Dismemberment (AD&D) provides coverage equal to your previous year’s eligible earnings (rounded up to the nearest $1,000) to a maximum of $150,000 if you lose your life or suffer dismemberment as the result of an accident.
Designate Your Beneficiaries Online!

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Supplemental Life and Voluntary AD&D Coverage

You may also purchase additional insurance for yourself, your spouse and/or your child(ren).

Learn more about Supplemental Life Insurance

Learn more about Voluntary AD&D Insurance

Supplemental Life and Voluntary AD&D Costs

Your paycheck costs for Voluntary Life and AD&D Insurance are based on the associate’s age. The cost of coverage can be found by logging in to the online enrollment system. Rates will be based on associate’s age as of January 1, 2017. To the extent that Sysco provides life insurance coverage or you purchase additional insurance in excess of $50,000, the cost of such coverage will be included in your gross income subject to Social Security and Medicare taxes.

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Disability

Short-term Disability

At most Sysco locations, Short-term Disability is provided by the company at no cost to you. Benefits vary by location. Contact your HR representative for more information.

Long-term Disability

At most Sysco locations, the company pays the full cost of this benefit, which generally pays 60% of your basic pre-disability monthly eligible earnings if you become disabled, up to a monthly maximum of $5,000.

The Long-term Disability plan pays benefits for an eligible disability that lasts more than 180 days.

Benefits may continue to be paid based on age and type of illness. Limits apply for mental health and substance use disorder disabilities. The Long-term Disability carrier is The Hartford.

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Voluntary Benefits

Hospital Indemnity Plan

When you need serious medical care, your out-of-pocket expenses can add up quickly—even when you have good medical insurance. Hospital Indemnity coverage, offered through Unum, helps you cover some of your expenses by paying $1,000 when you are admitted to the hospital for a covered illness or injury, and $100 per day for each day you spend in the hospital to a maximum of 15 days per calendar year.

How It Works

After you receive a covered service, you can file a claim with Unum to receive payment. Visit Unum or call 1-800-55-SYSCO.

Unum sends a check directly to you, so that you can cover expenses like your medical insurance deductible, copays and coinsurance. See the plan details for more information.

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Who Is Covered?

You can purchase Hospital Indemnity coverage for yourself and your eligible dependents, which include your spouse age 17 – 64 and dependent children until their 26th birthday. Premiums will be deducted from your paycheck. In order to elect the benefit for your dependents, you must also be enrolled.

Sysco pays the Hospital Indemnity premiums at the individual coverage level for associates who enroll in the Basic plan. Basic plan enrollees may purchase hospital indemnity insurance for any dependents they wish to cover during the enrollment period.

If you participate in a Sysco-sponsored plan or have other medical insurance, you can elect Hospital Indemnity coverage for you and your dependents.

The cost of coverage can be found by logging in to the online enrollment system.

For More Information

Visit Unum or call 1-800-55-SYSCO.

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Critical Illness Insurance

Unexpected costs from a critical illness, such as a heart attack or stroke can add both financial and emotional stress. Critical Illness coverage through Unum provides an extra layer of insurance to help you cover significant out-of-pocket costs. With this coverage, you receive a lump-sum benefit if you or a covered family member is diagnosed with a covered illness .

You can use the money to help pay for expenses not covered by your medical plan, to cover lost wages, child care, travel, basic healthcare costs, or any of your regular household expenses. Critical Illness Insurance is a great way to ease some of your financial burdens while allowing you to focus on your family, health and recovery.

Your coverage can only be cancelled during benefits enrollment or if you have a qualified status change. The policy is portable, which means you can maintain your coverage if you leave Sysco.

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Wellness Benefit

If you enroll for Critical Illness Insurance, Unum pays you an annual benefit for completing a wellness exam. Upon completion, both you and your spouse receive $50. You can use this payout to help offset the cost of your Critical Illness Insurance premiums, or for any other purpose you like. This benefit is in addition to any amount you earn as part of the Sysco Wellness Rewards program. Just call Unum to report your wellness exam.

Coverage Amounts

You can elect coverage for yourself or for yourself and eligible dependent(s) in the amounts shown. Eligible dependents include spouses age 17 – 64 and dependent children until their 26th birthday. There are no medical questions you need to answer or medical tests you need to take to get coverage.

Associate $10,000, $20,000 or $30,000
Spouse $10,000, $15,000 or $20,000
Child 25% of associate coverage

For More Information

Visit Unum or call 1-800-55-SYSCO. The cost of coverage can be found by logging in to the online enrollment system.

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Legal Services Plan

Legal Services plan coverage provides basic legal services such as will preparation, estate planning and civil suit representation for you and your family. When you enroll in the Legal Services plan administered by ARAG, attorney fees for most covered legal matters are paid in full when you work with a network attorney.

Count on a wide variety of benefits and services to help protect you when you encounter situations in life that could result in legal issues such as:

  • Consumer and Fraud Protection Issues
  • Wills and Estate Planning
  • Real Estate Matters
  • Family Law
  • Civil Damage Claims (Defense)
  • Criminal Matters
  • Debt-Related Matters
  • Dispute with a Landlord
  • Government Benefits
  • Small Claims Court
  • Tax Issues
  • Traffic Matters
  • Child Support, Child Custody or Alimony Matters
  • Divorce
  • Revocable and Irrevocable Trusts
  • Personal Bankruptcy

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For details on covered services, see the UltimateAdvisor® document.

You can enroll online as a new hire or during benefits enrollment and your premiums will be deducted from your paycheck, just like your other benefits. The cost of coverage can be found by logging in to the online enrollment system.

Your coverage can only be cancelled during benefits enrollment or if you have a qualified status change. If you leave Sysco, you may convert your group policy to an individual policy by contacting ARAG within 90 days and paying them directly.

More Information

For more information, visit ARAGgroup.com.

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Identity Theft Protection Plan

The Identity Theft Protection Plan helps you safeguard your finances, credit and more, giving you peace of mind.

A stolen identity can cause hours of hassle and potentially cost thousands of dollars to resolve. The Identity Theft Protection Plan, administered by ID Watchdog, provides preventive and restoration services, as well as a 24-hour call center.

ID Watchdog can also help you reduce solicitation calls and junk mail and email.

You may purchase coverage for yourself or for yourself and your family. Family coverage includes spouses and dependent children up to age 26. Eligibility and the cost of coverage can be found by logging in to the online enrollment system. Your coverage can only be cancelled during benefits enrollment or if you have a qualified status change.

Preventive Services

ID Watchdog will create an ID profile report that surfaces preexisting conditions going back 30 years or more. From the day your benefit becomes effective, they will notify you of changes to your credit report, monitor public records and high-risk transactions like password resets, new account applications, and fund transfers on checking, savings, and credit card accounts.

They will also monitor things like payday loans, sub-prime utility and phone accounts, auto pawn, and rent-to-own transactions. They even monitor black market Internet sites and chat rooms (where stolen personal information is often sold) to determine if your data has been compromised.

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Restoration Services

If your identity is stolen or you are a victim of fraud, ID Watchdog will provide concierge-level identity resolution assistance and reimbursement of financial damages from lost wages, travel, fraudulent fund transfers, and legal costs as a result of identity theft (up to plan limits). If you register the content of your wallet in their secure digital vault, ID Watchdog will help cancel and restore the contents of your wallet if it is lost or stolen.

For More Information

For more information, contact ID Watchdog at 1-800-55-SYSCO, visit IDwatchdog.com or consult ID Watchdog’s benefit summary.

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Dessert

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401(k) Plan

Sysco wants you to be able to live the life you want in retirement. That’s why we offer a generous 401(k) Plan with automatic and matching contributions to help you build your savings.

You don’t have to be a savvy investor to make the most of this benefit. Fidelity, our plan administrator, offers online tools and expert advice to help you create a retirement strategy that’s right for you.

Who’s Eligible?

All non-union associates of Sysco Corporation and its participating subsidiaries are eligible to participate. Associates whose collective bargaining agreements provide for participation in the Plan are also eligible to participate, at such times as set forth in their applicable collective bargaining agreements.

Note: This information about the 401(k) plan applies to the majority of associates. Variances may occur due to grandfathered benefits or union restrictions.

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401(k) Plan

401(k) Enrollment

Automatic Enrollment

As an eligible associate, you are enrolled automatically on the first of the month coincident with or following 60 days of employment at a contribution rate of 3% of eligible pay. In addition, you are enrolled in the automatic annual increase program, which increases your contribution by 1% each year until you reach 6%.

  • If you want to change the automatic contribution elections before they begin, visit NetBenefits.com or call Fidelity at 1-800-635-4015 before 60 days of employment and make your own choices.
  • If you don’t actively enroll and choose investment funds for your account, Sysco’s contributions will be invested in the Vanguard Target Retirement Fund that’s closest to your projected retirement date (based on your age).
Make 401(k) Changes Anytime

You can change your contribution percentage or investment allocations at any time by visiting NetBenefits.com or calling Fidelity at 1-800-635-4015.

401(k) Vesting

Vesting refers to the portion of your account that you “own.” See page 2 of the Participant Guide.

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401(k) Contributions to Your Account

Automatic Contributions

On the first of the month coincident with or following 60 days of employment, Sysco automatically contributes an amount equal to 3% of your eligible pay to your 401(k) account every pay period.

Matching Contributions

In addition to the automatic contributions, Sysco makes employer-matching contributions annually to encourage you to contribute to your retirement savings plan. The company contributes 50 cents for every dollar you contribute to the plan up to 5% of your eligible pay.

Sysco pays you to save. If you aren’t contributing at least 5% of your pay, you are leaving money on the table!

Your Contributions

You can contribute a percentage of your pay pre-tax up to the IRS limit. If you are 50 or older, you may make an additional catch-up contribution. You can check current contribution limits at IRS.gov.

You can also make rollover contributions from other qualified plans. Contact Fidelity for more information.

Manage Your 401(k) Account or Get More Info

The 401(k) plan offers you a variety of investment options. You should research the risk and return objectives of each option, along with fees and expenses. You can learn about all of your options, find forms and manage your account online at NetBenefits.com. Or, you can call Fidelity at 1-800-635-4015 to make changes or get expert assistance.

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Employee Stock Purchase Plan (ESPP)

The ESPP encourages you to gain ownership in the company by offering Sysco stock for purchase at a 15% discount!

Who’s Eligible?

Sysco associates and associates of participating subsidiaries who are regularly expected to work more than twenty hours per week for more than five months per calendar year are eligible to participate.

How It Works

After you enroll and the Offering Period begins, a percentage of your pay is deducted from your paychecks and used to purchase an equivalent amount of discounted Sysco stock in quarterly Offering Periods. Learn more.

Making Changes

You can change your contribution percentage or withdraw from the plan at NetBenefits.com. Changes will take effect as soon as administratively feasible after they are received.

More Information

For more information on the ESPP, contact the Fidelity Stock Plan Services at 1-800-544-9354 or consult:

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Discounts & Extras

This section describes benefits you can enroll in or change year-round.

Auto & Home Insurance

Sysco partners with MetLife for group auto and home insurance to give you special group rates and discounts on auto, home, renters and other coverage.

Call 1-800-GET-MET 8 today for a free insurance review and no-obligation quotes.

Baugh Scholarship

Sysco awards scholarships to offset the costs of a four-year college or university to selected college-bound children of our associates. Applications may be completed online at https://www.scholarsapply.org/sysco. For more information, see the fact sheet.

College Savings

Fidelity can help you set up a 529 college savings plan to pay for college expenses. Learn more.

Day Care

Get a 10% discount at all Knowledge Universe day care facilities across the U.S., which includes KinderCare Learning Centers, Knowledge Beginnings, CCLC, The Grove School, Champions and Cambridge Schools. Learn More.

Laser Vision Correction

Sysco associates are eligible to receive discounted pricing, averaging 40-50% off, on LASIK Eye Surgery through QualSight LASIK. Learn more and schedule a FREE exam HERE.

Matching Gifts to Higher Education

When full-time associates donate to eligible institutions of higher learning, Sysco will match the gift. For more information, see the program document and application form.

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At Your Service

Contact Information

The Sysco Benefits Center is available to answer any benefits or enrollment questions that you may have Monday – Friday, 7 a.m. – 7 p.m. Central time. To contact the Sysco Benefits Center, call 1-800-55-SYSCO.

Benefit Plan Administrator Website Phone Number
Medical BlueCross BlueShield bcbsil.com/Sysco 1-800-55-SYSCO
Health Savings Account Fidelity NetBenefits.com 1-800-55-SYSCO
Prescription Drugs Express Scripts express-scripts.com/sysco 1-800-55-SYSCO
Mental Health & Substance Use Disorder Optum liveandworkwell.com 1-800-55-SYSCO or 1-866-519-6166
Telehealth MDLIVE MDLIVE.com/Sysco 1-888-723-1913
Hospital Indemnity Unum Unum - Hospital Indemnity 1-800-55-SYSCO
Critical Illness Unum Unum - Critical Illness 1-800-55-SYSCO
Dental MetLife Dental metlife.com/mybenefits 1-800-55-SYSCO

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Benefit Plan Administrator Website Phone Number
Vision VSP vsp.com 1-800-55-SYSCO
Flexible Spending Accounts Your Spending Account portal.hewitt.com 1-800-55-SYSCO
Life Insurance Prudential N/A 1-800-55-SYSCO
AD&D Insurance Prudential N/A 1-800-55-SYSCO
Long-term Disability The Hartford N/A 1-800-55-SYSCO
Employee Assistance Program Optum liveandworkwell.com 1-800-55-SYSCO or 1-866-519-6166
Not Registered?
401(k) Fidelity NetBenefits.com 1-800-635-4015
Employee Stock Purchase Plan Fidelity NetBenefits.com 1-800-544-9354
Home & Auto Insurance MetLife metlife.com/mybenefits 1-800-438-6388
Legal Services Plan ARAG ARAGgroup.com 1-800-55-SYSCO
Identity Theft Protection Plan ID Watchdog IDwatchdog.com 1-800-55-SYSCO

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The information in this communication is intended to summarize 2017 Sysco-sponsored benefits offered to eligible U.S. associates. In addition to the four national medical plans administered by BlueCross BlueShield, a local HMO medical option may be offered. For more information about local HMO medical options, associates should contact the Sysco Benefits Center.

Not all plan provisions, limitations or exclusions are described in this publication. In case of a conflict between the information provided in this summary and the actual plan documents and insurance contracts, the plan documents and insurance contracts will govern. The plan sponsors have the right to change or terminate benefits at any time.

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Benefits Enrollment

You must actively enroll or waive benefits November 2-20, 2015. Because of the changes we are making for 2016, your 2015 benefit elections will not carry forward to 2016. Enroll online at SyscoBenefits.com or call 1-800-55-SYSCO to place your order by November 20, 2015.

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New Hire Enrollment/Newly Eligible Enrollment

If you are enrolling in benefits as a new hire or newly benefits-eligible associate, your enrollment window depends on your eligibility date. That’s the date you were hired, or the date you became eligible for group benefits. You must enroll within 31 days of your eligibility date (including your eligibility date) to receive coverage. Two to three weeks after your hire date, you should receive an enrollment notice outlining the enrollment deadline and reminding you to enroll online. You may also call the Sysco Benefits Center at 1-800-55-SYSCO to confirm your deadline to enroll.

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Qualified Status Changes

You may make changes to the benefits elections you made during benefits enrollment when you experience a qualified status change if:

  • The changes you make are caused by and consistent with the change in status
  • You make the change within 31 days of the qualifying change in status (including the date of the event)

Note: No change is automatic. You must call the Sysco Benefits Center or go online to the Total Rewards Cafe to make the changes to your benefits.

Qualified status changes include:

  • Marriage
  • Birth, adoption or placement for adoption
  • Divorce or legal separation
  • Death of spouse
  • Death of dependent
  • A change in your spouse's or your dependent's employment status
  • Loss of dependent status/gain of dependent status
  • Residence change that effects eligibility for coverage
  • Midyear expiration of COBRA
  • Loss or gain of Medicare or Medicaid
  • Change in employer plan of spouse, former spouse or dependent
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Spouse/Partner Eligibility

Associates and same-gender domestic partners must meet the following qualifications:

  • The associate and the same-gender domestic partner must both be 18 years of age or older
  • The same-gender domestic partner and the associate must be financially interdependent
  • Same-gender domestic partner must be legally competent to enter into contracts
  • Associate and same-gender domestic partner must have been in a committed relationship and shared the same residence for at least 12 months prior to the effective date of the coverage
  • Neither partner may be married, in a same-gender domestic partner or common law relationship with someone else
  • Same-gender partners may not be related by blood to a degree closer than is allowed for marriage in the state in which they reside

Note: Healthcare benefits will be taxed on the fair market value of the coverage that includes same-gender domestic partners.

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Dependent Child Eligibility

Eligible dependent children include:

  • Your biological or legally adopted child
  • A child who has been lawfully placed in your home for adoption
  • Your legally placed foster child
  • Your stepchild (meaning the eligible child of your legal spouse)

Dependent children may remain covered to age 26, regardless of whether they live with you or not. Coverage ends on the day before the dependent’s 26th birthday.

If you already cover a child that does not meet the definition of a dependent child (such as a grandchild), you may continue to cover that child until he or she reaches age 26. These children were grandfathered under the plan as of 2011, and no new children other than those described above can be added.

Eligibility for dependent child status may be extended for an unmarried physically or mentally disabled child, regardless of age, provided the disability started by or before age 26. Proof of the child’s disability must be submitted to your medical insurance carrier within 31 days of the child’s 26th birthday.

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Dependent Eligibility Audit

Please note that falsification of dependent eligibility may result in disciplinary action, up to and including loss of benefits or termination of employment. Make sure you only add dependents that are eligible for coverage under the Sysco plans.

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Understanding the Basic Plan Deductible

Each person has an individual $5,000 in-network deductible. When a family member has spent the individual deductible amount, they begin to pay coinsurance for in-network services.

Meanwhile, if other family members need care, they must meet their individual deductibles unless they meet the family deductible of $10,000 (for a family with three or more members).

Your copays for office visits, urgent care clinics (when applicable), Telehealth and prescription drugs do not count toward your deductible.

In-network services do not apply to your out-of-network deductible and out-of-network services do not apply toward your in-network deductible.

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What You Pay in the Basic Plan

Basic Plan Details In-Network Out-of-Network
Deductible* $5,000 Individual
$10,000 Family
$10,000 Individual
$20,000 Family
Coinsurance Plan pays 70% after deductible
You pay 30% after deductible
Plan pays 50% after deductible
You pay 50% after deductible
Out-of-Pocket Maximum $6,000 Individual
$12,000 Family
$12,000 Individual
$24,000 Family
Preventive Care Covered at 100% You meet your deductible, then pay 50% coinsurance
Telehealth $40 copay $40 copay
Primary Care Office Visit $25 copay You meet your deductible, then pay 50% coinsurance
Specialist Office Visit You meet your deductible, then pay 30% coinsurance
Urgent Care You meet your deductible, then pay 30% coinsurance
Emergency Room You meet your deductible, then pay 30% coinsurance. You meet your deductible, then pay 30% coinsurance.
Hospitalization You meet your deductible, then pay 30% coinsurance. You meet your deductible, then pay 50% coinsurance.
Lab, X-Ray, Imaging You meet your deductible, then pay 30% coinsurance. MRI’s require pre-notification You meet your deductible, then pay 50% coinsurance. MRI’s require pre-notification**
Mental Health Available through Optum. See the Mental Health section for more information.
Prescription Drugs*** – You don’t have to meet your deductible before you receive a benefit for prescription drugs, as long as you use a network pharmacy.
Pharmacy-Filled Generic
(30-day supply)
$12 copay You pay 50% coinsurance ($50 minimum) of the reasonable and customary charges
Pharmacy-Filled formulary
(30-day supply)
You pay 30%
($40 min. / $80 max)
Pharmacy-Filled Non-formulary
(30-day supply)
You pay 50%
($80 min. / $160 max)
Mail Ordered Generic $30 copay N/A
Mail Ordered formulary
(90-day supply)
You pay 30%
($80 min. / $160 max)
Mail Ordered Non-formulary
(90-day supply)
You pay 50%
($180 min. / $350 max)

*In-network and out-of-network deductibles are separate. Only in-network services apply toward your in-network deductible, and only out-of-network services apply to your out-of-network deductible.

**There is a pre-call requirements for MRI and CT scans for all participants. There is Penalty of $200 if this call is not made before imaging.

***New for 2017: If you (as a plan participant) receive a brand name drug in place of a generic in either of the situations below, the plan will only cover the cost of the generic drug, requiring the you to pay the cost difference between the generic drug and the brand name drug:

  • The doctor writes a prescription for a brand name drug and indicates the patient (plan participant) should not be switched to the generic.
  • The patient (plan participant) tells the pharmacist that they are only to have the brand name drug and that they do not want to be switched to a generic.
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IRS Requirements

To be eligible to open an HSA, the Internal Revenue Service requires you to be enrolled in a High Deductible Health Plan (HDHP). The Sysco HSA plan qualifies as a HDHP.

In addition, you cannot:

  • Be enrolled in Medicare.
  • Receive health benefits under TRICARE.
  • Have received Veterans Administration (VA) benefits within the past three months.
  • Be claimed as a dependent on another person's tax return.
  • Use a general use health care flexible spending account (FSA) or health reimbursement account (HRA). Alternative plan designs, such as a Limited Use FSA or HRA, are permitted.

Sysco’s contributions to your HSA, plus any contributions you make may not exceed the yearly maximum. Be sure to plan your contributions accordingly. Visit IRS.gov to see HSA contribution limits for the current year.

You may use your HSA to pay for medical expenses for your legal spouse or legal IRS dependents, even if they are not covered under your HDHP. The IRS defines legal dependents as those who are not yet age 23, in most cases. Please note this is a different age limit than the eligibility for other benefits.

Here are a few highlights of the HSA plan.

  • Portability: If you should leave Sysco, you may take your HSA with you.
  • Lower taxes: You can save for your medical future while cutting your tax bill. Your contributions are tax-free.
  • Build your savings: Any money left in your HSA at the end of the year rolls over to the next year.

*IRS limits will be updated upon new guidance.

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Understanding the HSA Plan Deductible

If you choose Associate Only coverage, you will have a $2,000 in-network deductible.

If you choose to cover dependents, everyone’s costs count toward the $4,000 in-network family deductible. Everyone pays 100% until the family deductible is met.

In-network services do not apply to your out-of-network deductible and out-of-network services do not apply toward your in-network deductible.

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What You Pay in the HSA Plan

HSA Plan Details In-Network Out-of-Network
Sysco’s Contribution to Your Health Savings Account $250 You Only
$500 All other coverage levels
Deductible* $2,000 Individual
$4,000 Family
$4,000 Individual
$8,000 Family
Coinsurance Plan pays 90%
You pay 10%
Plan pays 65%
You pay 35%
Out-of-Pocket Maximum $5,500 Individual
$11,000 Family
$10,000 Individual
$20,000 Family
Preventive Care Covered at 100% (no deductible) You meet your deductible, then pay 35% coinsurance
Telehealth $40 copay (does not count toward deductible) $40 copay (does not count toward deductible)
Primary Care Office Visit You meet your deductible, then pay 10% coinsurance You meet your deductible, then pay 10% coinsurance
Specialist Office Visit
Urgent Care
Emergency Room
Hospitalization
Lab, X-Ray, Imaging You meet your deductible, then pay 10% coinsurance. MRI’s require pre-notification. You meet your deductible, then pay 35% coinsurance. MRI’s require pre-notification**.
Mental Health Available through Optum. See the Mental Health section for more information.
Prescription Drugs*** – You meet your deductible, then pay applicable copays or coinsurance.
Pharmacy-Filled Generic (30-day supply) $12 copay after deductible Meet your deductible, then pay 50% coinsurance ($50 minimum) of the reasonable and customary charges
Pharmacy-Filled formulary (30-day supply) 30% after deductible
($40 min / $80 max)
Pharmacy-Filled Non-formulary (30-day supply) 50% after deductible
($80 min / $160 max)
Mail Ordered Generic (90-day supply) $30 copay after deductible N/A
Mail Ordered formulary (90-day supply) 30% after deductible
($80 min / $160 max)
Mail Ordered Non-formulary (90-day supply) 50% after deductible
($180 min / $350 max)

*In-network and out-of-network deductibles are separate. Only in-network services apply toward your in-network deductible, and only out-of-network services apply to your out-of-network deductible.

**There is a pre-call requirements for MRI and CT scans for all participants. There is Penalty of $200 if this call is not made before imaging.

***New for 2017: If you (as a plan participant) receive a brand name drug in place of a generic in either of the situations below, the plan will only cover the cost of the generic drug, requiring the you to pay the cost difference between the generic drug and the brand name drug:

  • The doctor writes a prescription for a brand name drug and indicates the patient (plan participant) should not be switched to the generic.
  • The patient (plan participant) tells the pharmacist that they are only to have the brand name drug and that they do not want to be switched to a generic.
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Understanding the PPO Plan Deductible

Each person has an individual $1,500 in-network deductible. When a family member has spent the individual deductible amount, they begin to pay coinsurance for in-network services.

Meanwhile, if other family members need care, they must meet their individual deductibles unless they meet the family deductible of $4,500 (for a family with three or more members).

Your copays for office visits, urgent care clinics, Telehealth and prescription drugs do not count toward your deductible.

In-network services do not apply to your out-of-network deductible and out-of-network services do not apply toward your in-network deductible.

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What You Pay in the PPO Plan

PPO Plan Details In-Network Out-of-Network
Deductible* $1,500 Individual
$4,500 Family
$4,500 Individual
$13,500 Family
Coinsurance Plan pays 80% after deductible
You pay 20% after deductible
Plan pays 50% after deductible
You pay 50% after deductible
Out-of-Pocket Maximum $5,500 Individual
$11,000 Family
$10,000 Individual
$20,000 Family
Preventive Care Covered at 100% You meet your deductible, then pay 50% coinsurance
Telehealth $40 copay $40 copay
Primary Care Office Visit $25 copay You meet your deductible, then pay 50% coinsurance
Specialist Office Visit You meet your deductible, then pay 20% coinsurance
Urgent Care You meet your deductible, then pay 20% coinsurance
Emergency Room You meet your deductible, then pay 20% coinsurance You meet your deductible, then pay 20% coinsurance
Hospitalization Meet your deductible, then pay 20% coinsurance. Meet your deductible, then pay 50% coinsurance.
Lab, X-Ray, Imaging You meet your deductible, then pay 20% coinsurance. MRI’s require pre-notification. You meet your deductible, then pay 50% coinsurance. MRI’s require pre-notification.**
Mental Health Available through Optum. See the Mental Health section for more information.
Prescription Drugs*** – You don’t have to meet your deductible before you receive a benefit for prescription drugs, as long as you use a network pharmacy.
Pharmacy-Filled Generic $12 copay You pay 50% coinsurance ($50 minimum) of reasonable and customary charges
Pharmacy-Filled formulary You pay 30%
($40 min / $80 max)
Pharmacy-Filled Non-formulary You pay 50%
($80 min / $160 max)
Mail Ordered Generic $30 copay N/A
Mail Ordered formulary You pay 30%
($80 min / $160 max)
Mail Ordered Non-formulary You pay 50%
($180 min / $350 max)

*In-network and out-of-network deductibles are separate. Only in-network services apply toward your in-network deductible, and only out-of-network services apply to your out-of-network deductible.

**There is a pre-call requirements for MRI and CT scans for all participants. There is Penalty of $200 if this call is not made before imaging.

***New for 2017: If you (as a plan participant) receive a brand name drug in place of a generic in either of the situations below, the plan will only cover the cost of the generic drug, requiring the you to pay the cost difference between the generic drug and the brand name drug:

  • The doctor writes a prescription for a brand name drug and indicates the patient (plan participant) should not be switched to the generic.
  • The patient (plan participant) tells the pharmacist that they are only to have the brand name drug and that they do not want to be switched to a generic.
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What You Pay in the National HMO Plan

National HMO Plan Details* In-Network Out-of-Network
Deductible $0 Individual
$0 Family
N/A
Out-of-Pocket Maximum $3,000 Individual
$6,000 Family
N/A
Preventive Care Covered at 100% You pay the full cost.
Telehealth $40 copay $40 copay
Primary Care Office Visit $25 copay You pay the full cost
Specialist Office Visit $40 copay
Urgent Care $60 copay
Emergency Room $150 copay (waived if admitted) $150 copay (waived if admitted)
Hospitalization (Inpatient or Outpatient) $300 copay You pay the full cost.
Surgery $300 copay You pay the full cost
Lab, X-Ray, Imaging* 100% covered
(office visit copay may apply)
You pay the full cost
Mental Health See the Mental Health section for more information.
Prescription Drugs** – You don’t have to meet your deductible before you receive a benefit for prescription drugs, as long as you use a network pharmacy.
Pharmacy-Filled Generic $12 copay You pay the full cost
Pharmacy-Filled formulary You pay 30%
($40 min / $80 max)
Pharmacy-Filled Non-formulary You pay 50%
($80 min / $160 max)
Mail Ordered Generic $30 copay You pay the full cost
Mail Ordered formulary You pay 30%
($80 min / $160 max)
Mail Ordered Non-formulary You pay 50%
($180 min / $350 max)

*There is a pre-call requirements for MRI and CT scans for all participants. There is Penalty of $200 if this call is not made before imaging.

**New for 2017: If you (as a plan participant) receive a brand name drug in place of a generic in either of the situations below, the plan will only cover the cost of the generic drug, requiring the you to pay the cost difference between the generic drug and the brand name drug:

  • The doctor writes a prescription for a brand name drug and indicates the patient (plan participant) should not be switched to the generic.
  • The patient (plan participant) tells the pharmacist that they are only to have the brand name drug and that they do not want to be switched to a generic.
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Special Beginnings Maternity Program

Within the first trimester of your pregnancy, enroll by calling 1-888-421-7781 or 1-800-55-SYSCO. With this program, you will receive:

  • Personal telephone contact with maternity nurses
  • Educational materials covering pregnancy and infant care topics
  • Help in identifying potential problems during pregnancy
  • Assistance in managing high-risk conditions such as gestational diabetes and preeclampsia
  • Reinforcement of your physician’s treatment plan

Failure to enroll during the first trimester results in a $250 penalty taken on the inpatient hospital delivery claim. The penalty will not apply if you are already past your first trimester when your coverage begins as a new hire or new dependent.

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Tobacco Cessation Program

When you enroll in the program, you will be assigned your own wellness coach who will:

  • Support you in your unique circumstances
  • Provide assistance with goal setting
  • Set up a follow-up call schedule
  • Provide information about resources

Your coach can also give you information about accessing nicotine replacement therapies such as gum, lozenges and patches covered at 100% through Express Scripts with a doctor’s prescription.

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Other Health Management Programs

Primary Nurse Program BCBS nurses will reach out to patients after hospitalization or critical medical situation
24/7 Nurseline Call for advice and questions on any health-related issues
Condition Management Nurses and other healthcare professionals reach out to members with conditions such as asthma, diabetes and heart disease for help in managing the condition
Blue Extras Programs Discount program for medical plan participants for hearing aids, weight loss programs and other medical services

Log on to Blue Access for Members for details about your coverage and benefits, including specific BlueExtras discount amounts.

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Optum Mental Health Coverage

A mental health service may or may not be covered based on criteria such as diagnosis, type of service, source of referral, treatment setting and type of provider. Some services may be covered at certain settings (such as at a counselor’s office) and not covered in a more intensive setting.

Wilderness therapy programs, boot camps and military schools are some specific examples of treatment settings that are excluded.

Treatment for mental retardation, learning disorders, pervasive development disorder (including autism spectrum disorders), cognitive organic brain syndrome and cognitive disorders (including dementia) is not covered under the mental health plan.

Call Optum at 1-800-55-SYSCO (option 4) to find out which services are covered and in what treatment settings.

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Accessing Your HRA

You will receive a debit card that you can use to pay for copays or other eligible expenses. To check your balance or file a claim, visit the benefits enrollment site (accessible through SyscoBenefits.com).

If you are also enrolled in the Health Care FSA, you’ll receive one debit card for both accounts. Funds will draw from the FSA first (since you lose unused dollars after year-end). When the FSA is depleted, funds will draw from the HRA.

Be aware that while your HRA balance will carry over to the next year, it isn’t transferable if you leave Sysco. Unlike the HSA, any funds left in the HRA will be forfeited at termination of employment.

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Dental Plan Details

  Premium Option Basic Option
Annual Deductible $50 Individual
$150 Family
$100 Individual
$300 Family
Calendar-year Maximum $2,500 per person $1,250 per person
Diagnostic & Preventive Services
Exams, two cleanings per year, x-rays, topical fluoride treatments for children 1x/year to age 15, sealants once every 60 months to age 19
Covered at 100% (no deductible) Covered at 100% (no deductible)
Basic Services
Extractions, fillings and oral surgery except removal of wisdom teeth, periodontics and endodontics, repair or recementing of crowns, and relining of dentures
Plan pays 80% after deductible Plan pays 80% after deductible
Major Services
Inlays, first installation of bridgework, dentures and crowns, implants, removal of impacted teeth
Plan pays 50% after deductible Plan pays 50% after deductible
Orthodontia Plan pays 50% after deductible up to a lifetime maximum of $1,500
Dependent children up to age 26
Plan pays 50% after deductible up to a lifetime maximum of $1,000
Dependent children up to age 19
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Vision Plan Details

  In-network Provider Out-of-network Provider
Routine Eye Exam
1 per year
$10 copay $50 allowance per year
Frames
One pair every other calendar year; if lenses and frames are purchased together, the combined copay is $25
$25 copay
($200 retail frame allowance)
$70 allowance per two years
Standard Lenses
One set of lenses OR contacts every calendar year; polycarbonate lenses are covered
$25 copay Single: $50
Bifocal: $75
Trifocal: $100
(allowance per year)
Contacts
One set of lenses OR contacts every calendar year
Medically Required $25 copay $300 allowance per year
Cosmetic Up to $120 allowance per year (applied to fitting, evaluation and the contact lenses) Up to $120 allowance per year
Discounts: Visit VSP.com to learn about discounts on laser vision correction and soft contact lenses.
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Health Care Flexible Spending Account

  • You don’t have to be enrolled in Sysco’s other benefits to participate in the Health Care FSA.
  • You cannot participate in the Health Care FSA if you also participate in the HSA medical plan.
  • Set aside $100 to $2,550 each calendar year (if you and your spouse file separate tax returns, the maximum is $1,275).
  • You have until December 31 to use your current-year Health Care FSA.
  • Leftover FSA dollars are forfeited. Be sure to file prior-year claims by the March 31 deadline.
  • You must have a prescription to claim expenses for over-the-counter medicines. There are certain exceptions. Visit the IRS website to learn more.
  • The Internal Revenue Service has strict rules about eligible dependents and eligible costs. For details, speak with your tax advisor, visit the IRS website, or call the IRS at 1-800-829-3676. You can also find information about eligible expenses on the benefits enrollment site (accessible from SyscoBenefits.com).
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Limited Use Flexible Spending Account for HSA Enrollees

The Limited Use Flexible Spending Account (FSA) works just like the Health Care FSA, except it can only be used for dental and vision expenses.

  • Set aside $100 to $2,550 each calendar year (if you and your spouse file separate tax returns, the maximum is $1,275).
  • When you use network dentists or eye doctors, we will automatically deduct your out-of-pocket expenses from your Limited Use FSA.
  • Leftover FSA dollars are forfeited. Be sure to file prior-year claims by the March 31 deadline.
  • The Internal Revenue Service has strict rules about eligible dependents and eligible costs. For details, speak with your tax advisor, visit the IRS website, or call the IRS at 1-800-829-3676.
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Dependent Day Care Flexible Spending Account

  • Set aside $100 to $5,000 each calendar year (if you and your spouse file separate tax returns, the maximum is $2,500).
  • Leftover FSA dollars are forfeited. Be sure to file prior-year claims by the March 31 deadline.
  • The Dependent Day Care FSA is not for healthcare costs.
  • You can’t claim an expense through an FSA if you will also use that expense as a deduction or credit on your federal income tax return. Carefully analyze whether the tax credit or the Dependent Day Care Spending Account provides you with the greater tax savings.
  • The Internal Revenue Service has strict rules about eligible dependents and eligible costs. For details, speak with your tax advisor, visit the IRS website, or call the IRS at 1-800-829-3676.
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Debit Card

To make it easy to access your Health Care FSA funds, you will receive a debit card you can use for eligible services and products. Payments are automatically withdrawn from your FSA account, so there are no out-of-pocket costs.

If you also have an HRA for your wellness awards, you’ll receive one debit card for both accounts. Funds will draw from the FSA first (since you lose unused dollars after year-end). When the FSA is depleted, funds will draw from the HRA.

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Auto-Pay

If you would prefer to receive auto reimbursements from your healthcare providers, please contact Your Spending Account and have your preference changed from Spending Account card to Auto-Pay.

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Filing Claims

If you pay for an eligible health care or dependent day care expense out of your pocket, you can file a claim and receive reimbursement by check or direct deposit. File a claim online by visiting the benefits enrollment site accessible from SyscoBenefits.com.

Be sure to save your receipts. Aon Hewitt will ask for a receipt if they have any problems validating that your expense is an IRS-eligible expense.

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Designate Your Beneficiaries Online!

Make sure you designate a beneficiary for your Life and AD&D Insurance in the enrollment system.

Even if you don’t elect voluntary coverage, you need to select a beneficiary for the company-paid basic coverage—whether or not you’ve completed a paper form in the past.

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Supplemental Life Insurance

Who You Can Cover Coverage Amounts Purchase in Increments of
Associate One, two, three, four, five, six, seven or eight times your previous year’s* eligible earnings rounded up to the nearest $1,000, up to $1,000,000 (exclusive of basic life). N/A
Spouse From $10,000 to $150,000; cannot exceed 100% of associate’s basic and supplemental life insurance combined $10,000
Children From $2,500 to $15,000 $2,500

*Special calculations are applied if you have been with Sysco less than one year.

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Voluntary AD&D Insurance

Who You Can Cover Coverage Amounts Purchase in Increments of
Associate From $10,000 to $1,000,000; coverage amounts in excess of $500,000 cannot exceed 10x your annual earning $10,000
Family From $10,000 to $1,000,000; coverage amounts in excess of $500,000 cannot exceed 10 x your annual earnings
  • Spouse coverage = 50% of your Voluntary AD&D coverage if you have dependent children or 60% if you don’t
  • Child coverage = 15% of your Voluntary AD&D coverage if you are married or 20% if you are unmarried. Maximum amount for any child is $50,000.
$10,000
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Hospital Indemnity Plan Details

Evidence of Insurability

You and your spouse won’t have to provide evidence of insurability (by answering health questions) if you enroll at your first opportunity (2016 benefits enrollment or new hire enrollment).

Changes to Coverage and Portability

Your coverage can only be cancelled during benefits enrollment or if you have a qualified status change. If your employment ends while you are enrolled in the Hospital Indemnity plan, you may continue coverage at group rates. To continue your coverage, you must apply and pay the first premium within 31 days of leaving Sysco.

Limitations and Exclusions

Unum will not pay any benefits for a claim that is caused by, contributed to by, or occurs as a result of:

  • Participating in war or act of war, whether declared or undeclared
  • Committing acts of terrorism
  • Treatment for alcoholism or drug addiction, unless the insured is addicted to a narcotic taken on the advice of a physician
  • Treatment for dental care or dental procedures, unless treatment is the result of a covered accident
  • Elective procedures and/or cosmetic surgery or reconstructive surgery, unless it is a result of trauma, infection or other diseases
  • Participating or attempting to participate in a felony or being engaged in an illegal occupation
  • Any pregnancy of a dependent child, including services rendered to her child after birth
  • Committing or trying to commit suicide or injuring oneself intentionally, whether sane or not
  • Hospital confinement caused by, contributed to by, or resulting from mental illness. However, dementia as a result of stroke, trauma, viral infection, Alzheimer's disease or other conditions not listed which are not usually treated by a mental health provider or other qualified provider using psychotherapy, psychotropic drugs, or other similar methods of treatment are covered under this policy
  • Any hospital confinement of a newborn following the birth unless the newborn is sick or injured.
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Covered Conditions*

  • Heart Attack
  • Coronary Artery Bypass Surgery
  • Stroke
  • End Stage Renal (Kidney) Failure
  • Major Organ Failure
  • Permanent Paralysis as the result of a Covered Accident
  • Coma as the result of Severe Traumatic Brain Injury
  • Blindness
  • Benign Brain Tumor
  • Occupational HIV
  • Cancer

Additional Covered Conditions for Dependents

  • Cerebral Palsy
  • Cleft Lip or Palate
  • Cystic Fibrosis
  • Down Syndrome
  • Spina Bifida

*Eligibility for, entitlement to, and amount of actual benefits will be determined according to the terms of the group critical illness insurance policy.

  • Coverage for Occupational HIV not available in California, Indiana and Minnesota.
  • Coverage for Permanent Paralysis not available in Pennsylvania.
  • California, Maine, and Texas applicants must have comprehensive health coverage before applying for critical illness coverage.
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Automatic Enrollment

As an eligible associate, you are enrolled automatically after 180 days of employment at a contribution rate of 3% of eligible pay. In addition, you are enrolled in the automatic annual increase program, which increases your contribution by 1% each year until you reach 6%.

  • If you want to change the automatic contribution elections before they begin, visit NetBenefits.com or call Fidelity at 1-800-635-4015 before 180 days of employment and make your own choices.
  • If you don’t actively enroll and choose investment funds for your account, Sysco’s contributions will be invested in the Vanguard Target Retirement Fund that’s closest to your projected retirement date (based on your age).
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Make Changes Anytime

You can change your contribution percentage or investment allocations at any time by visiting NetBenefits.com or calling Fidelity at 1-800-635-4015.

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Your Contributions

You can contribute a percentage of your pay pre-tax up to the IRS limit ($18,500 in 2016). If you are 50 or older, you may contribute an additional $6,500 (in 2016).

You can also make rollover contributions from other qualified plans. Contact Fidelity for more information.

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401(k) Vesting Schedule

You are 100% vested in Sysco’s automatic contributions and the contributions you make to the plan.

Matching contributions vest according to the schedule below.

Years of Service Vested Percent
2 years 25%
3 years 50%
4 years 75%
5 years 100%
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How the ESPP Works

  1. Enroll in the plan through Fidelity at NetBenefits.com. Enter the percentage (1% - 10%) of your eligible pay you would like to use to purchase stock (up to $21,250 annually).
  2. Your contribution will be deducted from each paycheck and used to purchase stock on your behalf after the end of the quarterly Offering Periods:
    • January 1 - March 31
    • April 1 - June 30
    • July 1 - September 30
    • October 1 - December 31

    The purchase price per share will be 85% of the closing price of Sysco stock on the last day of the Offering Period (a 15% discount).

  3. Your shares will be deposited into your Fidelity individual brokerage account. You may keep them in your account, transfer them to another account, after the required two-year transfer restriction has passed or sell them. (Note that holding your shares for two years from the beginning of the Offering Period in which the shares were purchased will provide the most favorable tax treatment.)
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By Mail:
  • Ask your doctor for a new prescription for a 90-day supply, plus refills
  • Print an order form from the Express Scripts website
  • Mail the order form, new prescription and payment to Express Scripts
  • Receive your prescription, delivered to your door
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By Fax:
  • Ask your doctor for a new prescription for a 90-day supply, plus refills.
  • Provide your doctor with your member ID number and the phone number to call for fax instructions – 1-888-327-9791.
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If you are not registered, enter Access Code 71034

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By Phone:
  • Call Express Scripts at 1-800-55-SYSCO to have your prescription transferred to mail order.
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It’s a drug you take on a daily or consistent basis. If you take the same drug at the same dose, it will most likely be considered a maintenance medication. If you have questions, contact Express Scripts at 1-800-55-SYSCO.

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What You Pay for Prescription Drugs in the Basic Plan

Prescription Drugs* – You don’t have to meet your deductible before you receive a benefit for prescription drugs, as long as you use a network pharmacy.
Pharmacy-Filled Generic
(30-day supply)
$12 copay You pay 50% coinsurance ($50 minimum) of the reasonable and customary charges
Pharmacy-Filled formulary
(30-day supply)
You pay 30%
($40 min. / $80 max)
Pharmacy-Filled Non-formulary
(30-day supply)
You pay 50%
($80 min. / $160 max)
Mail Ordered Generic $30 copay N/A
Mail Ordered formulary
(90-day supply)
You pay 30%
($80 min. / $160 max)
Mail Ordered Non-formulary
(90-day supply)
You pay 50%
($180 min. / $350 max)

*New for 2017: If you (as a plan participant) receive a brand name drug in place of a generic in either of the situations below, the plan will only cover the cost of the generic drug, requiring the you to pay the cost difference between the generic drug and the brand name drug:

  • The doctor writes a prescription for a brand name drug and indicates the patient (plan participant) should not be switched to the generic.
  • The patient (plan participant) tells the pharmacist that they are only to have the brand name drug and that they do not want to be switched to a generic.
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What You Pay for Prescription Drugs in the HSA Plan

Prescription Drugs* – You meet your deductible, then pay applicable copays or coinsurance.
Pharmacy-Filled Generic (30-day supply) $12 copay after deductible Meet your deductible, then pay 50% coinsurance ($50 minimum) of the reasonable and customary charges
Pharmacy-Filled formulary (30-day supply) 30% after deductible
($40 min / $80 max)
Pharmacy-Filled Non-formulary (30-day supply) 50% after deductible
($80 min / $160 max)
Mail Ordered Generic (90-day supply) $30 copay after deductible N/A
Mail Ordered formulary (90-day supply) 30% after deductible
($80 min / $160 max)
Mail Ordered Non-formulary (90-day supply) 50% after deductible
($180 min / $350 max)

*New for 2017: If you (as a plan participant) receive a brand name drug in place of a generic in either of the situations below, the plan will only cover the cost of the generic drug, requiring the you to pay the cost difference between the generic drug and the brand name drug:

  • The doctor writes a prescription for a brand name drug and indicates the patient (plan participant) should not be switched to the generic.
  • The patient (plan participant) tells the pharmacist that they are only to have the brand name drug and that they do not want to be switched to a generic.
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What You Pay for Prescription Drugs in the PPO Plan

Prescription Drugs* – You don’t have to meet your deductible before you receive a benefit for prescription drugs, as long as you use a network pharmacy.
Pharmacy-Filled Generic $12 copay You pay 50% coinsurance ($50 minimum) of reasonable and customary charges
Pharmacy-Filled formulary You pay 30%
($40 min / $80 max)
Pharmacy-Filled Non-formulary You pay 50%
($80 min / $160 max)
Mail Ordered Generic $30 copay N/A
Mail Ordered formulary You pay 30%
($80 min / $160 max)
Mail Ordered Non-formulary You pay 50%
($180 min / $350 max)

*New for 2017: If you (as a plan participant) receive a brand name drug in place of a generic in either of the situations below, the plan will only cover the cost of the generic drug, requiring the you to pay the cost difference between the generic drug and the brand name drug:

  • The doctor writes a prescription for a brand name drug and indicates the patient (plan participant) should not be switched to the generic.
  • The patient (plan participant) tells the pharmacist that they are only to have the brand name drug and that they do not want to be switched to a generic.
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What You Pay for Prescription Drugs in the PPO Plan

Prescription Drugs* – You don’t have to meet your deductible before you receive a benefit for prescription drugs, as long as you use a network pharmacy.
Pharmacy-Filled Generic $12 copay You pay the full cost
Pharmacy-Filled formulary You pay 30%
($40 min / $80 max)
Pharmacy-Filled Non-formulary You pay 50%
($80 min / $160 max)
Mail Ordered Generic $30 copay You pay the full cost
Mail Ordered formulary You pay 30%
($80 min / $160 max)
Mail Ordered Non-formulary You pay 50%
($180 min / $350 max)

*New for 2017: If you (as a plan participant) receive a brand name drug in place of a generic in either of the situations below, the plan will only cover the cost of the generic drug, requiring the you to pay the cost difference between the generic drug and the brand name drug:

  • The doctor writes a prescription for a brand name drug and indicates the patient (plan participant) should not be switched to the generic.
  • The patient (plan participant) tells the pharmacist that they are only to have the brand name drug and that they do not want to be switched to a generic.
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To access the RX tool, click on the Open Enrollment Information box

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