Healthcare and Coverage

If I am eligible to participate in the company-sponsored benefits (Health Plan, Dental, Vision or other voluntary benefits), what do I need to do to enroll?

  1. Log onto www.aholdbenefitssupport.ehr.com. The first time you log into the enrollment site, you will need to register with your Social Security number and password. Remember, if you are unable to make your elections online, you may also call the Ahold Benefits Center at Towers Watson at 1-888-275-4157 to enroll in your benefits.
  2. Click enroll now. First, you will review your dependent and beneficiary information and then make your benefit choices by clicking next and following the instructions on the screen. If you are a new hire, your coverage will automatically default to waive coverage. You will need to review each benefit and elect the appropriate coverage (you will have successfully elected each benefit once you click save).
  3. After you elect your benefits, click continue to see a summary of the benefits you elected. If you are satisfied with your elections and want to print a confirmation statement, click finish enrollment.

What is the enrollment period for Company-provided benefits?

The enrollment period for Company-provided benefits is October 31 to November 11, 2016. Associates must take action during this time to enroll in benefits.
When you are ready to enroll, you can go to www.aholdbenefitssupport.ehr.com or call the Ahold Benefits Center at Towers Watson a​t 1-888-275-4157.

What are the benefits available to Part-time Associates?

Part-time Associates averaging 20 or more hours per week are eligible to enroll in dental, vision, the Dependent Care Flexible Spending Account, the Commuter Account plus the 401(k) Retirement Savings Plan with a Company-paid match, and can also take advantage of the Employee Assistance Program (EAP) and Health Advocate services.

Part-time Associates should make their election for these benefits through www.aholdbenefitssupport.ehr.com during Open Enrollment.

All Part-time Associates have access to a number of other important Company-paid benefits, regardless of average hours, including life insurance, a tobacco cessation program, Paid Time Off (PTO), recognition programs, and development and training opportunities.​

How are the average hours calculated in regard to determining eligibility for medical coverage for Part-Time Associates?

Average hours are calculated over an annual measurement period. The measurement period for 2016 eligibility began October 12, 2014 and ended on October 10, 2015.

​ Part time associates must average 30 hours per week during the look back period to be eligible for Associate only medical coverage.​

I am a Part-time Associates and I have a question about my average hours calculation...

If you have a question about my average hours calculation, please speak to your Store Manager or Supervisor.

What do I do if I have a qualifying life event (birth, death, marriage, divorce, adoption) and need to change my health insurance options?

Please call the Ahold Benefits Center at Towers Watson at 1-888-275-4157.

What do I do if I am having problems with my health insurance coverage (for example, my claim has not been processed correctly)?

You can contact Capital Blue Cross by phone at 1-866-686-2242.

Alternatively, you can also use Health Advocate as a resource to resolve coverage, claims, or challenging issues with coverage.  You can reach Health Advocate at 1-866-695-8622.

How do I find a doctor in my area?

You can access the Search & Save feature on the website for Capital Blue Cross.  In order to narrow your search, use the filters provided.

You can find this tool at www.capbluecross.com and then click on “Find a Dr. or Facility” located on the right hand part of the screen.

How do I request a new insurance card if I lost or misplaced my current one?

  • You can request a new medical card by calling Capital Blue Cross at 1-866-686-2242.  You can request a new prescription card by calling 1-800-797-9791.
  • You can print a new EyeMed card by logging on to www.eyemedvisioncare.comYou will need to login or create a new account.
  • You can print a dental card by going www.metlife.com/mybenefits or www.aetna.com depending on the plan you are enrolled in for the current plan year.

As a newly eligible associate, how am I notified when the benefit site is available to me to enroll?

If you are eligible to receive benefits, you will receive a postcard notification in the mail to alert you that it is time to enroll in your benefits.  Then follow the directions given to enroll.  If you do not receive the postcard, you can go into the site at www.aholdbenefitssupport.ehr.com and make your selections approximately 15 days after your initial start date.  Should you miss this initial enrollment opportunity, you will not be able to sign up for coverage until the next annual open enrollment period.

Who can I call to understand out of pocket expenses for upcoming surgery/procedure?

You can contact Capital Blue Cross by phone at 1-866-686-2242.

You can also use Health Advocate as a resource to resolve coverage, claims, or challenging issues with coverage.  You can reach Health Advocate at 1-866-695-8622.

How do I know what I am covered for with the health plan?

You can view the specific coverage information by logging onto www.aholdbenefitssupport.ehr.com and look for the ‘plan benefit descriptions’ or the ‘enrollment guides’ listed under “My Benefits” and “Resources”.  You can contact Capital Blue Cross by phone at 1-866-686-2242.

You can also use Health Advocate as a resource to resolve coverage, claims, or challenging issues with coverage.  You can reach Health Advocate at 1-866-695-8622.

Retirement Plan Options

When can I participate in the Ahold USA 401(k) Retirement Savings Plan?

The eligibility rules are based on whether you are considered a salaried or hourly associate.

Salaried associate are eligible as soon as they are hired, if you are at least age 21.

Hourly associate are eligible as soon as they work at least 1,000 hours and are at least age 21.

How it works…

You will be automatically enrolled in the Plan following (i) the earlier of the pay date for the second payroll period that begins after your are eligible to participate in the Plan, or (ii) the first pay date that occurs at least 30 days after you become eligible to participate in the Plan, unless you elect to (i) not participate in the Plan; or (ii) enroll in the Plan at any time before you are auto enrolled. If you are auto-enrolled you can at any time choose to contribute more, less, change investment options, or stop your deductions.

If you are auto-enrolled, three percent (3%) of your eligible pay for each pay period will be taken from your pay pre-tax and contributed to the Plan. This will start with your first paycheck for the pay period that begins on or after the date you are automatically enrolled. Your pre-tax contribution level will increase by 1% each January 1, after you have been enrolled at 3% for 12 months (unless a different contribution level is chosen) until it reaches 6% of your eligible pay.

If you do not want to participate in the Plan, you will be given 15 days to opt out of the auto-enrollment process. Detailed auto-enrollment information will be mailed to your home directly by Fidelity Investments upon eligibility.

Your contributions will be invested in the appropriate Ahold Retirement Fund based on your age.  For non-union associates, the Company will match one dollar for each dollar contributed up to 1% of your eligible pay.  The Company will also match 50 cents for each dollar contributed that is between 2% and 6% of your eligible pay.  Company matching contributions are 100% vested after two years of service (1,000 hours or more).

If you are auto-enrolled you can at any time choose to contribute more, less, change investment options, or stop your deductions by calling the Ahold USA Inc, 401(k) Plan Retirement Line at (800) 249-4015 (virtually 24 hours a day) or by using NetBenefits® at www.401k.com.

You do not need to wait to be auto enrolled. If you are interested in participating as soon as you are eligible, you can join the Plan by going online at www.401k.com or calling the Ahold USA 401(k) Plan Retirement Line at 1-800-249-4015. You may use the automated voice response system virtually 24 hours a day, seven days a week. If you prefer to speak to a Fidelity Participant Service Representative, they are available Monday through Friday, between 8:30 a.m. and 12:00 a.m. Eastern Time.

You will be asked to:

  • Choose how much to contribute to the plan
  • Select investment funds for your contributions and the Company’s contributions
  • Designate a beneficiary

How do I make future changes to my 401(k) elections?

You can make changes to your 401(k) elections at any time.  You may choose to contribute more, less, change investment options, or stop your deductions by calling the Ahold USA Inc, 401(k) Plan Retirement Line at (800) 249-4015 (virtually 24 hours a day) or by using NetBenefits® at www.401k.com.   You will be connected to a representative at Fidelity Investments.

Does the 401(k) Plan have a Company Match for Associate contributions?

The Company matches a percentage of your contributions.  This matching contribution goes into your account each pay period, just like your own contributions.

The matching contributions equal:

  • 100% of the first 1% of eligible pay you save, and
  • 50% of the next 5% of eligible pay you save.

So if you contribute 6% of your eligible pay, the Company adds another 3.5% of your eligible pay into your account.

 

How does the vesting work for the 401(k) Plan?

You always own the value of your own contributions to the Plan.  You become vested in Company contributions based on your years of service.  You will be 100% vested in the value of the Company matching contributions and discretionary contributions you receive after January 1, 2009 once you have completed two years of vesting service. You are credited with a year of vesting service for each calendar year you complete at least 1,000 hours of service.  You will become 100% vested if you reach age 55 or become disabled while actively employed, or die.

Does the 401(k) Plan have any discretionary contributions from the Company?

The amount of discretionary contribution will be determined by the Company at the beginning of each year, based on the Company’s financial results for the prior year. Discretionary contributions will be made at the beginning of the year for the prior year (that is, paid in 2011 for 2010 performance).  There is no guarantee that a discretionary contribution will be made by the Company each year.  You must have 1,000 hours of service during the year to be eligible to receive a discretionary contribution and be employed by the Company as of December 31 and not be a participant in the ongoing pension plan.

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