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• Choose Benefits
• New Employee (hired on or after January 1, 2009)
• Changing Benefits
• Newly Eligible for Benefits
• Optional Protection Programs
• Thrift 401(k) Plan
• Health Care
• Medical (2009)
• 2009 Medical Insurance Options
• $1,000 Deductible Plan at a Glance
• How the $1,000 Deductible Plan Works
• Example of Reaching $1,000 Deductible Plan Out-of-Pocket Maximum
• $300 Deductible Plan at a Glance
• How the $300 Deductible Plan Works
• Example of Reaching $300 Deductible Plan Out-of-Pocket Maximum
• Account Plan (HRA) at a Glance
• How the Account Plan Works
• Using the Account Plan
• Example of Reaching Your Account Plan Out-of-Pocket Maximum
• Local Network Plans/HMOs
• How a Sample Employee Uses the Medical Plan
• Features of the Plans
• How You Meet the Family Deductible and Out-of-Pocket Maximum
• Cost of Medical Insurance Coverage
• Top 10 Ways to Save Money on Health Care
• Spousal Surcharge
• Non-Duplication of Coverage
• When You Pay Double Payroll Deductions
• Emergency Medical Care
• Filing Claims
• Find a Doctor
• Local Networks and HMOs
• Getting Medical Care Away from Home
• Pre-Certification of Medical Benefits
• Verifying Coverage for a Procedure/Treatment
• Preventive Care (2009)
• Getting the Most Out of Your Preventive Care Benefit
• Prescription Drug (2009)
• Plan at a Glance
• How the Plan Works
• Retail Pharmacy vs. Mail Order
• Paying for Prescription Drug Expenses Through Your HRA
• When to Use Mail Order
• Mental Health and Substance Abuse/EAP (2009)
• Plan at a Glance
• How the Plan Works
• Mental Health Plan at a Glance
• Vision
• Plan at a Glance
• How the Plan Works
• Dental
• Plan at a Glance
• How the Plan Works
• How a Sample Employee Uses the Dental Plan
• Dental Pre-Treatment Estimate
• Health Care Flexible Spending Account (FSA) 
• Eligible Expenses
• Getting Reimbursed
• Paying Expenses: FSA vs. HRA
• Paying for Health Care Services and Filing Claims 
• When You Receive Service or Make a Purchase
• Working with Your Doctor to Ensure Highest Benefits
• Health Assistance Line
• Filing Claims
• Submitting Claims for Expenses
• If You Have Other Medical or Dental Coverage
• Reviewing Your Explanation of Benefits (EOB) Form
• Wellness Resources
• Concierge Services
• Employee Assistance Program (EAP)
• Financial Planning
• Fitness Benefits
• Features of the International Fitness Club Network
• Health Dialog: 24/7 Health Coach
• Jenny Craig
• kraftfoods.com
• Preventive Care
• Wellness Poster Contest Winners’ Gallery
• Selection of Winners
• Resource & Referral (R&R)
• Smoking Cessation
• South Beach Diet
• Weight Watchers
• Using the Benefit
• Success Story: If I Can Do It, Anyone Can!
• Success Story: Goodbye Meds, Hello Marathons!
• Life & Disability
• Short-Term Disability
• Extension of Benefits
• Accident & Sickness
• Long-Term Disability
• Evidence of Insurability Requirements
• Evidence of Insurability Form
• Basic Life Insurance
• Beneficiary Form
• Group Universal Life (GUL) Insurance
• Business Travel Insurance
• Group Personal Accident Insurance (PAI)
• Savings & Retirement
• Thrift 401(k) Plan
• Just Hired?
• Kraft Matching Contributions
• Pathways to Investing
• Managing Your Account
• When to Use the Website or Automated Phone System
• When to Use a Service Center Specialist
• Retirement (Pension) Plan
• Pension Protection Act
• Retirement Timeline
• Financial Planning
• Ameriprise Financial, Inc.
• Financial Engines
• Retiree Medical and Life Insurance
• Retirement Timeline
• U.S. Savings Bond Program
• Additional Benefits
• Adoption Assistance Program
• Auto Insurance
• Backup Dependent Care
• Concierge Services
• Dependent Day Care Flexible Spending Account (FSA)
• How the Plan Works
• Contributing to Your Dependent Day Care FSA
• The Most You Can Contribute to All Dependent Day Care FSAs
• Dependent Day Care FSA vs. Income Tax Credit
• Getting Reimbursed
• Educational Assistance Program
• Employee Assistance Program (EAP)
• Employment and Mortgage Verifications
• Group Legal Services Plan
• Group Long-Term Care (LTC) Insurance
• Homeowners Insurance
• Home PC Purchase Program
• International Travel Assistance
• Kraft Foods Employee Involvement Program
• Leaves of Absence
• Paid Time Off (PTO)
• How These Programs Work
• 5-Year Bonus Week
• Answers to Common Questions
• PTO Schedules
• Resource & Referral (R&R)
• Scholarship Program
• Severance
• Vacation
• What to Do When ...
• Caring for an III/Elderly Relative
• Changing Locations
• Changing Marital Status
• Getting Married
• Getting Divorced or Legally Separated
• Choosing My Benefits
• Dealing with a Chronic or Major Health Condition
• Dealing with Work/Life Stress
• Experiencing Death in the Family
• Employee Dies
• Employee's Dependent Dies
• Facing Illness, Injury or Disability
• Getting Physically Fit/Losing Weight
• Getting Physically Fit
• Losing Weight
• Going from Full-Time to Part-Time or Vice Versa
• Going from Full-Time to Part-Time
• Going from Part-Time to Full-Time
• Joining the Company
• Leaving the Company
• Managing My Total Health
• Receiving Care Before You Have Your ID Cards
• Planning My Estate
• Retiring
• Saving Money
• Saving Now
• Saving for the Future
• Welcoming a New Child
• Expecting a Baby
• Adopting a Child
• Bringing a New Child Home
• Plan Details
• Summary Plan Descriptions
• Annual Funding Notices
• Summary Annual Reports
• Medicare Creditable Coverage Notice

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