Sysco’s 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 as well as 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 (7-9726).

This guide contains information about your 2019 and 2020 benefits. Where benefits have changed for 2020, the differences are noted. You can also read about the 2020 benefits changes here.

Table of Contents

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 or by calling a Health Pro at 1-800-55-SYSCO. You will find premium costs for your benefit options in the Total Rewards Café when you log in 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. Please be aware that changes to your benefits may result in retroactive payroll deductions, depending on the coverage effective date and when benefits elections/changes are made.

How To Enroll

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

• Online at the Total Rewards Café.
• Over the phone through the Sysco Benefits Center at 1-800-55-SYSCO (7-9726).

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

Questions?

The Sysco Benefits Center or a Health Pro 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 (7-9726); or you can chat online with a representative in the Total Rewards Café.

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 unless required by law
• Your biological child, adopted child, stepchild or foster child—Read more about dependent child eligibility .

You may carry your legal spouse 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.

Dependent Eligibility Verification

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 will conduct a verification of dependent data after the enrollment period ends. Alight’s Dependent Verification Center will request documentation (i.e. birth certificate, proof of marriage, adoption or legal guardianship records and joint ownership paperwork) to validate the relationship with your eligible dependents.

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.

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 (BCBS) and have access to the same network of providers. Choosing a BCBS network provider will ensure that you get the highest level of coverage at the lowest cost. Once you choose your plan, you can select the level of coverage you need:

• Associate Only
• Associate + Spouse
• Associate + Child(ren)
• Associate + Family

The cost of coverage can be found by logging in to the Total Rewards Café.

We’re Self-Funded

Sysco’s medical plans are self-funded. This 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.

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 .

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.

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 30 days (once per year) for each day you spend in the hospital.

So, you have the option to purchase coverage for yourself and your spouse or dependent children. Learn more about Hospital Indemnity coverage.

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

Sysco contributes $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. And 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” rule 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 .

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. The deductible under the HSA plan works differently than it does under the other Sysco medical plans. You will have either a deductible for Associate only coverage or a deductible for Associate plus spouse/dependent coverage, and you must meet this deductible before the plan begins to pay for care. 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 at 1-800-544-3716.

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.

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 for 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.

Medical Tools & Resources

Choosing the Right Medical Plan

Sysco offers four medical plans so you can get the coverage you and your family need. Choosing the right plan can seem like a tough choice. We have tools to help! The first step is to call a Health Pro at 1-800-55-SYSCO to get help choosing a plan. Then, use these other resources:

• “What’s Your Medical Type?” Quiz — Need to do a medical drive-through? 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. You can also learn how to save on pet prescriptions.

Finding Doctors & Other Medical Providers

You’ll get the best cost for care if you see an in-network provider. To find BlueCross BlueShield (BCBS) in-network doctors and facilities, go to www.bcbsil.com/sysco and click Find a Doctor or Hospital or call a Health Pro at 1-800-55-SYSCO. 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.

Making Medical Decisions with Confidence

As part of your Sysco health plan, you have access to free and confidential expert medical review services provided by Best Doctors®. Whether you are concerned about the accuracy of a medical diagnosis, need help deciding which treatment plan is right for you, want help finding a local expert specialist, or just have general medical questions and want an expert’s opinion, Best Doctors can help. Learn More. .

Need a Form?

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

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 (7-9726). Learn more about the coaching and free prescriptions that can 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.

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.

Home Delivery Required for Maintenance Drugs

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

Home Delivery

There are many advantages to filling your prescriptions through Express Scripts home delivery service.

Using Express Scripts' home delivery service is:

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

Using the Express Scripts home delivery service is simple. After you have had three fills of the maintenance drug at the same dosage, you can fill your prescription on the Express Scripts website or mobile app, over the phone, by mail or by fax.

Fill Your Prescriptions

• Website: visit Express-Scripts.com
• Mobile app: Download the Express Scripts app from the Apple App Store or Google Play
• Over the phone: Call Express Scripts Member Services at 800-455-6891
• By Mail
• By fax
• E-Prescribing: Your physician can also send in your e-Prescription to Express Scripts. They can contact Express Scripts for details.

Prescription Information

Filling generic drugs and using home delivery 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 1-800-455-6891.

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 get a medical consultation over the phone or by online video chat 24/7/365. See each of the four Sysco medical plan options in this guide for details on the cost of Telehealth.

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

How Much Does It Cost?

Medical consultations with a doctor or pediatrician are just $25 for participants in the Basic, PPO and HMO medical plans. Medical consultations for participants in the HSA plan are $4 after the deductible is met.

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

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.

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.

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/neuropsychological testing
• Extended outpatient treatment visits (beyond 45 - 50 minutes with/without medication management)
• Partial hospitalization

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 1-866-519-6166. Trained specialists will guide you through the process of accessing treatment, whether it is through the five free visits provided through the Live and Work Well employee assistance program or through the mental health benefits of the plan.

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

If you are not registered, follow these instructions:

1. Click here to enter anonymously
2. Click Browser as guest with company access code
3. Enter 71034 and click Enter button
4. Under Find a Resource click Provider

Live and Work Well

Sysco offers Live and Work Well, an Employee Assistance Program (EAP), at no cost to you, to help you and your family cope when life gets challenging. Live and Work Well, administered by Optum, can assist with issues such as communicating effectively, managing stress, family conflict, overcoming anxiety or 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.

Pre-certification by Optum is required for all Live and Work Well 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.

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

Dental

Sysco offers two dental options through MetLife—the Basic Option and the Premium Option. Once you choose your plan, you can select the level of coverage you need: Associate Only, Associate + Spouse, Associate + Child(ren) or Associate + Family.

Both plan options 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 Total Rewards Café.

To find a participating dentist, log in to the Total Rewards Café 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 date of birth and the phone number, 1-800-942-0854 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.

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. Once you choose the plan, you can select the level of coverage you need: Associate Only, Associate + Spouse, Associate + Child(ren) or Associate + Family.

Your costs will be lower when you use VSP providers or affiliated retail chain 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 making an appointment with a VSP provider, Sysco associates should share that they have VSP and then provide their name and date of birth. The provider‘s office will pull an authorization for the online system.

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

Learn about VSP member savings.

Create an account on VSP.com today. Registering gives you quick access to:

• Your vision benefits
• Eye health and wellness tips
• A list of VSP network providers
• Your vision ID card
• Exclusive Member Extras with more than $2,500 in savings

Tempting Sides

Flexible Spending Accounts

Anything you can do to reduce your taxable income helps 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 Alight.

Sysco offers three types of Flexible Spending Accounts: an Health Care FSA, a Limited Use FSA and a Dependent Day Care FSA. You can contribute tax-free dollars to your FSA, up to $2,700 for the Health Care or Limited Use FSAs and up to $5,000 for the Dependent Day Care FSA.^*

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.

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 the following year. 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 or under a newly eligible status).

Accessing Your FSA

Debit Card

Auto-Pay

Filing Claims

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: 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 Total Rewards Café.

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 1.5x your previous year‘s eligible earnings (rounded up to the nearest $1,000) up 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) up to a maximum of $150,000 if you lose your life or suffer dismemberment as the result of an accident.

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

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 Total Rewards Café. Rates are calculated based on the associate‘s age as of January 1 each year. 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.

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. The Short-term disability carrier is The Hartford. For more information on this benefit, see the leave of absence section or review the Short-term Disability plan document in the Total Rewards Café under Health Benefits.

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.

Leave of Absence

Pregnancy Leave Benefit^*

Having a baby is an exciting time in your life and a major health event. That’s why Sysco wants to help birth mothers take the time they need to rest and recover after childbirth. As of January 1, 2018, Sysco provides all birth mothers with six (6) weeks of leave with full pay after the birth of their child. Pregnancy leaves are concurrent with Short-term Disability as well as FMLA leave.

Adoption Leave Benefit^*

When your family grows with an adoption, Sysco wants to give you time for the adoption process and to welcome your new family member. As of January 1, 2018, Sysco provides all parents of an adopted child with six (6) weeks of leave with full pay during the adoption process. Adoption leaves are concurrent with any FMLA leave the associate chooses to take. If both you and your spouse work at Sysco, you can split the six (6) weeks of paid leave.

*Available to U.S. non-union associates covered by Sysco-sponsored benefits. Note that the Pregnancy and Adoption Leave Benefits are reduced by state disability.

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 MetLife, helps you cover some of your expenses by paying a benefit directly to you. If you are hospitalized, whether for an accident or illness, you are paid $2,000 for an Intensive Care Unit (ICU) admission or $1,000 for a non-ICU admission. There is an additional benefit paid for each day you are in the hospital, $200 for an ICU confinement or $100 for non-ICU confinement, up to 30 days for an accident and up to 31 days for an illness.

How It Works

After you receive a covered service, you can file a claim with MetLife to receive payment. Visit MetLife or call 1-800-438-6388.

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

Who Is Covered?

You can purchase Hospital Indemnity coverage for yourself and your eligible dependents, which include your spouse and dependent children until their 26th birthday. In order to elect the benefit for your dependents, you must also be enrolled.

The cost of coverage can be found by logging in to the Total Rewards Café. Premiums will be deducted from your paycheck.

For More Information

Visit MetLife or call 1-800-438-6388.

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 MetLife 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.

Wellness Benefit

If you enroll for Critical Illness Insurance, MetLife 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 MetLife 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 and dependent children until their 26th birthday. In order to elect the benefit for your dependents, you must also be enrolled. There are no medical questions you need to answer or medical tests you need to take to get coverage.

For More Information

Visit MetLife or call 1-800-438-6388. The cost of coverage can be found by logging in to the Total Rewards Café.

Legal Insurance Plan

Legal insurance helps you address common legal situations like creating wills, transferring property or buying a home. With a legal insurance plan from ARAG, network attorney fees are 100% paid in full for most covered matters.

Count on a wide range of coverages and services, like the examples shown below — and many more — when you work with a network attorney to address the legal situations you may encounter in life.

• 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
• Insurance disputes
• Home equity loan—primary and secondary residence
• Refinancing—secondary residence
• Elder law
• Paternity matters
• Restraining orders
• Credit record correction

For details on covered services, see the ARAG At-a Glance flyer^®. To see the legal matters we're adding in 2019, see the What's New flyer.

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 Total Rewards Café.

Your coverage can only be cancelled during benefits enrollment or if you have a qualified status change. If you leave Sysco, you can enroll in a similar legal insurance plan by contacting ARAG within 90 days and paying them directly.

More Information

For more information, visit ARAGgroup.com.

Identity Theft Protection Plan

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

Every online transaction leaves a trace behind, taking on a life of its own, which can put your credit and identity at risk. ID Watchdog's Identity Theft Protection Plan is everywhere you can‘t be — monitoring your credit and helping you better protect your identity.

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 Total Rewards Café. Your coverage can only be cancelled during benefits enrollment or if you have a qualified status change.

Preventive Services

Credit monitoring from ID Watchdog helps keep you in the know alerting you to key changes to your credit report(s) and activities to your bank accounts and credit cards that might indicate potential fraud.

ID Watchdog goes even further with advanced identity monitoring scouring billions of public records to search for signs of potential identity theft. They conduct subprime loan monitoring so you can be alerted about easy-to-obtain loans opened in your name, like payday loans, that can be indicators of possible identity theft. ID Watchdog monitors the Dark Web, scanning websites, chat rooms and other forums known for trafficking stolen personal and financial information.

Restoration Services

You can reach a U.S.-based Customer Care Specialist whenever you need help, 24 hours a day, 7 days a week, at 866-513-1518. If your identity is stolen, ID Watchdog's Certified Identity Theft Risk Management Specialists (CITRMS®) fully manage your case until it is resolved. You‘ll also get up to $1 million in Identity Theft Insurance that helps pay certain out-of-pocket expenses.¹

¹ Identity theft insurance is underwritten by subsidiaries or affiliates of American International Group Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.

For More Information

For more information, contact ID Watchdog at 1-866-513-1518, visit IDwatchdog.com or consult ID Watchdog’s benefit summary.

Dessert

401(k) Plan

Sysco wants you to be able to live the life you want in retirement. That’s why we offer a generous Sysco 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 those set forth in their applicable collective bargaining agreements.

401(k) Plan

401(k) Enrollment

Automatic Enrollment

As an eligible associate, you are automatically enrolled on the first of the month coincident with or following 60 days of employment at a contribution rate of 3% of eligible pay. As part of automatic enrollment, you are also enrolled in the automatic annual increase program (AIP), 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).

If you wish to contribute to the Plan before you are automatically enrolled or to opt out of automatic enrollment, log in to NetBenefits.com or call Fidelity at 1-800-635-4015. Note that you will need to sign up for AIP if you choose to actively enroll. After you log in to NetBenefits.com, click “Contribution Amount.”

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.

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 6% of your eligible pay.

Sysco pays you to save. If you aren’t contributing at least 6% of your pay, you are leaving money on the table!

Your Contributions

You can contribute up to 50% 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.

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:

• ESPP FAQs

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-MET8 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.

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.

VSP Member Savings

Sysco associates enrolled in the VSP vision plan and their covered family members are eligible for VSP exclusive member discounts and extras. Special offers include discounts on everything from glasses and contacts to LASIK, diabetes care, hearing aids and more. Learn more HERE.

Perks at Work

Sysco’s Perks at Work Associate Discount Program offers you thousands of discounts from your favorite merchants on items like cars, computers, TVs, travel, tickets, food, apparel and more! Take advantage of Sysco’s purchasing power and save more!

Visit the Perks at Work website for details and to register. Before you register for the first time, review these instructions.

Pet Prescription Discount

Sysco associates can save an average of 80% on generic medications prescribed to their pets. Learn more

At Your Service

Contact Information

Health Pros is available to answer benefits or enrollment questions that you may have Monday – Friday, 7 a.m. – 7 p.m. Central Time. To contact a Health Pro or the Sysco Benefits Center, call 1-800-55-SYSCO (7-9726) or you can contact a carrier directly at the numbers referenced below.