Ex-Pat Programs - U.S & Non-U.S

Aetna Ex-Pat Health Plans
Website: www.aetnainternational.com
Phone U.S.: (800) 231-7729 
Phone Outside U.S.: (877) 851-1661
                            (Toll-Free Access Codes)
Group ID: 887402

MetLife Ex-Pet Financial Plans
E-mail: MetLifeWorldwide@metlife.com
Phone: (800) 231-7729 or (800) 451-1847

Aetna Medical, Dental and Vision

• Aetna Ex-Pat Plan Summary
• Aetna Ex-Pat EAP Flyer
• Aetna Health Hub
• Health Hub Training Guide

MetLife Life and Long Term Disability 

• Schedule of Benefits
• Life and AD&D Certificate
• LTD Certificate

MetLife Resources

• Estate-Resolution
• Grief Counseling
• Will Preparation 
• Life Insurance Brochure

Western Digital offers International Assignees a global health plan that provides comprehensive medical, dental, and vision coverage both in the U.S. and internationally.    Below is a high-level summary of the plan and how it differs from the medical plans offered to U.S.-based employees. The medical plan is not eligible for HSA contributions

	U.S. Expat Medical Aetna Plan
Medical Plan Features	Outside of U.S.	In the U.S. In-Network	In the U.S. Out-of-Network
Deductible
Individual	None	$500	$1,000
Individual +1 or More		$1,000	$2,000
Out-of-Pocket Maximum
Individual	None	$2,000	$4,000
Individual +1 or More		$4,000	$8,000
Reimbursement	100%	90%	60%
Preventive Services	100% up to $1,000	100%	60%
Prescription Drug
Preventive/ Generic/ Formulary/Non-Formulary/ Specialty	$0/ $10/ $30/ $50/ 30% up to $100

To learn more about your medical benefits, start by creating an account on the Aetna Health Hub website.

	U.S. Expat Dental & Vision Aetna Plan
Dental Plan Features	Outside of U.S.		In the U.S. In-Network	In the U.S. Out-of-Network
Deductible	$50 Per Person/ $150 Per Family
Plan Year Maximum	$1,500
Preventive Services	100%
Basic Services	80%
Major Services	50%
Orthodontia Services	50% to $1,500 Lifetime Maximum
Vision Plan Features
Exam	100%	100%		100% After $50 Copay
Lenses, Frames & Contract Lenses	100% up to $250

To learn more about your dental and vision benefits, start by creating an account on the Aetna Health Hub website.

Our financial protection programs are designed to cover you in the event of injury or death. Western Digital provides you basic life and AD&D (Accident) and disability insurance through MetLife at no cost. The cost of basic life insurance exceeding $50,000 is considered “imputed income” by the IRS.  If you wish to avoid imputed income, you may waive coverage over $50,000. ​ Supplemental life/AD&D insurance is available to you, your spouse and eligible dependent child(ren). Any amount above 2 times base salary or $1M in supplemental employee coverage requires underwriting approval.  Amounts over $50,000 of spouse coverage require underwriting approval.

Plan Feature​ MetLife	Employee	Spouse	Child(ren)
Basic Life/ AD&D	Life: 2 X Base Salary, up to a maximum of $1M AD&D: An amount equal to life insurance	N/A	N/A
Supplemental Life	1-8 X Base Salary up to $3M.  Amounts over 2x base salary or $1M require underwriting approval	$25k, $50k, $100k, $200k or $300k (not to exceed 100% of employee coverage). Amounts over $50k require underwriting approval	$5k or $10k No underwriting approval is needed
Supplemental AD&D	1-8 X Base Salary up to $2M	Family coverage is also available as a percentage of the employee’s coverage
Short term Disability (Non- CA)	75% of Pre-disability base Salary	N/A
Long Term Disability	66.67% of Pre-disability base Salary up to $12k monthly	N/A

CRITICAL ILLNESS​

​Critical Illness insurance provides cash benefits to cover out-of-pocket expenses associated with a serious illness such as cancer, heart attack.    This is a supplemental plan and doesn’t replace your medical coverage. Western Digital offers two plans; $10,000 or $20,000 benefit amount.  Coverage for spouse and dependent children is available at 50% of employee’s initial benefits.​ Critical Illness plans exclude payments for diagnoses outside of the U.S.; unless the diagnosis is later confirmed in the U.S.

​

HOSPITAL INDEMNITY​

Hospital Indemnity insurance helps keep your finances on track when you're in the hospital. Our medical health insurance covers many costs of your hospital stay and treatment. But you still have a lot of expenses such as deductibles, copays and other costs.  If you are admitted to the hospital, with approval of your claim, MetLife will pay a lump sum cash directly to you to cover some of your expenses.​ The Hospital Indemnity plan has exclusions noting that MetLife will not pay for treatment/confinement outside of the U.S., Canada and Mexico.

​

ACCIDENT PLAN​

Voluntary Accident insurance is offered through MetLife and provides cash benefits in case of covered accidental injuries. This plan does not replace your medical plan, it complements your health insurance.​ The Accident plan has exclusions noting that MetLife will not pay for treatment/confinement outside of the U.S., Canada and Mexico.

 

FLEXIBLE SPENDING ACCOUNTS

Flexible Spending Accounts (FSA) allow you to use pre-tax dollars to pay for certain health care or day care expenses. There are two different plans

Health Care FSA: Employees may elect $100 to $3,200.

Dependent Day Care: Available to pay eligible day care for children under age 13 or elder care expenses.  Employee may elect $100- $5,000 (per household).

INTERNATIONAL SOS

Western Digital partners with International SOS to provide business travelers and expatriates with medical, security, and emergency assistance services.  Download the app and make sure you have your International SOS card when traveling abroad. We encourage you to learn more about the Program Services and to find answers to Frequently Asked Questions.

 

401(K) RETIREMENT SAVINGS PLAN

Our 401(k) plan is a tax-effective way to help employees achieve and maintain a high level of financial well-being now and into retirement. The 401(k) plan is based on the calendar year.

401(K)Starting with your hire date as a regular or fixed-term employee, our 401(k) plan allows you to choose how to save and invest for retirement. You can make before-tax, after-tax and/or Roth after-tax contributions from your pay into a variety of investment options.

Automatic Enrollment: If you’re newly eligible to the plan and have not yet enrolled or waived participation within 30 days of your eligibility date, you will be automatically enrolled at a 6% before-tax deferral for your base salary and bonus.

Contributions: Pre-tax and Roth combined contributions up to 85% of pay, subject to annual IRS limits.  After-tax contributions up to 10% of pay.

Vesting: You are automatically 100% vested in your contributions (pre-tax, Roth, and after-tax) made to your account, meaning you immediately own all contributions you make to the plan.

If you transfer to another country outside of the U.S. and are no longer on U.S. Payroll, you may keep your balance in the 401(k) plan, but you will not be able to make contributions to the plan. If you transfer back to the U.S. as an eligible employee, you may participate in the plan again.

EMPLOYEE STOCK PURCHASE PLAN (ESPP)

The ESPP allows eligible employees to contribute 1-10% of eligible compensation toward the purchase of the Company’s common stock at a discount through convenient payroll deduction. Offering periods begin twice per year (6/1 and 12/1) with Open Enrollment periods held in May and November. Each Offering Period is generally up to 24-months with purchases occurring every six months. Participants can purchase Company common stock at a 5% discount based on the lesser of the applicable enrollment price or the closing price on the respective purchase date.

TIME OFF

• Holidays - Public holidays vary depending on your host location. Should your host location provide for less than 11 holidays, you are eligible to take the difference as personal holidays.
• Vacation - Exempt (salaried) employees do not accrue vacation time and have the flexibility to take a reasonable amount of vacation each year as needed. There is no set minimum or maximum amount of vacation time, however, vacation should be planned around the needs of the business. All time requests must be coordinated with and approved by the employee’s immediate manager.
• Sick Time - Exempt employees are granted 40 hours of sick time annually and must be tracked for the first 40 hours.

EMPLOYEE ASSITANCE PROGRAM (EAP)

You, your family members, or anyone living in your household have access to a wide range of confidential and professional services to address personal and work-related challenges such as stress, anxiety, substance or financial concerns.  The EAP is offered through SupportLinc at no cost to you.

 

BEHAVIORAL HEALTH SUPPORT

Navigating the complex behavioral health space for your child or adolescent can be difficult.  Brightline provides confidential video visits with licensed clinicians and coaching programs to support children and families through tough situations.

  

CAREGIVING BENEFITS FOR ALL LIFE AGES

Caregiving responsibilities can arise at any point in an individual’s life, whether it’s caring for children, aging parents, or other family members. Bright Horizons provides a range of family support services to help you navigate the various caregiving challenges you may face throughout different stages of life.  Services include a family concierge, a single point of access for all Bright Horizons services, flexible and subsidized back-up care (including a reimbursement option), nanny placement discounts.​

 

HINGE HEALTH

Employees can get access to a personalized exercise program to overcome joint and muscle pain. Whether your pain is intense or moderate, persistent or comes and goes, get care you can count on.  A new kind of digital clinic for joint and muscle pain — and it’s all centered on you, your life, your needs at no cost to you.  ​

 

ACCESS HOPE

Employees enrolled in an Anthem or HMSA medical plan have access  to cancer resources from the comfort of their home.

IDENTITY THEFT PROTECTION

Our Identity theft program through MetLife is designed to safeguard your personal information and provide you with peace of mind in today’s digital world.  The program is offered at no cost to you and offers comprehensive protection and support.

 

LEGAL PLAN

The MetLife Legal Plan offers you economical access to attorneys for common legal services, such as will preparation, estate planning, family law and more. You and your family will have access to a nationwide network of experienced attorneys that are just a phone call away.​ Some restrictions may apply.

 

PET INSURANCE

We have partnered with MetLife to offer comprehensive pet insurance coverage for veterinary care. Some restrictions may apply.

 

EDUCATIONAL REIMBURSEMENT PROGRAM

After 90 days of employment, employees may participate in our Educational Reimbursement program that reimburses up to $5,250 per year for undergraduate, graduate, or non-degree courses completed with grade of “B” or better. Approval prior to the start of any coursework is required for this benefit. 

 

CORPORATE DISCOUNTS

Western Digital employees can take advantage of great discounts on both company products and other programs and services.  

The medical plan coverage varies depending on whether you seek care in the U.S. (in/out-of-network) or outside the U.S

Medical Plan Features	Outside of U.S.	In the U.S.	In the U.S.
		In-Network	Out-of-Network
Deductible
Individual	None	None	$200
Family			$600
Out-of-Pocket Maximum
Individual	None	$1,000	$2,000
Family		$2,000	$4,000
Reimbursement
Physician Services	100%	100%	70% after deductible
Emergency Room		100% after $50 copay
		100%	70% after deductible
Urgent Care
Preventive Services	100% up to $1,000	100%	70% after deductible
Prescription Drug
Generic/ Formulary/Non-Formulary/	$10/ $20/ $35

The Dental & Vision plan coverage varies depending on whether you seek care in the U.S. (in/out-of-network) or outside the U.S

	Dental & Vision Plan
Dental Plan Features	Outside of U.S.		In the U.S. In-Network	In the U.S. Out-of-Network
Deductible	None
Plan Year Maximum	$1,500
Preventive Services	100%
Basic Services	80% Reimbursement
Major Services	50% Reimbursement
Orthodontia Services	50% to $1,500 Lifetime Maximum
Vision Plan Features
Exam	100%	100%		70% after deductible
Lenses, Frames & Contract Lenses	100% up to $250 every 12 months

INTERNATIONAL SOS

Western Digital partners with International SOS to provide business travelers and expatriates with medical, security, and emergency assistance services. 

Download the app and make sure you have your International SOS card when traveling abroad. We encourage you to learn more about the Program Services and to find answers to Frequently Asked Questions.

 

RETIREMENT SAVINGS PLAN

Western Digital provides retirement benefits per the terms of your home country programs. Please refer to Connect, reach out to AskHR  or your HR manager for further details.

 

EMPLOYEE ASSITANCE PROGRAM (EAP)

You, your family members, or anyone living in your household have access to a wide range of confidential and professional services to address personal and work-related challenges such as stress, anxiety, substance or financial concerns.  The EAP is offered through SupportLinc at no cost to you.

 

EMPLOYEE LIFE ACCIDENT AND DISABILITY INSURANCE

Western Digital provides life, accident, and disability insurance per the terms of your home country benefit programs. Some restrictions apply. Please refer to Connect, reach out to AskHR or your HR manager for further details.