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IBM Benefits and #Bonus For There #Employee
#IBM #Benefits Summary
IBM offers a competitive benefits program, designed to support you and your family across all
dimensions of health: physical, mental, social, financial, and purpose.
Key features:
• Health Benefits Portfolio that provides strong support for your well-being and preventive care,
comprehensive coverage to meet a range of medical situations, and solid protection against the
cost of serious injury or illness.
• Retirement Program that helps build future financial security through a leading-edge 401(k)
plan and other capital accumulation programs.
• Income Protection in case of serious illness, injury or death, including life insurance and
disability benefits.
• Opportunity to follow leisure pursuits through vacation, personal leave and holiday plans.
Eligibility
You are eligible for all applicable benefit programs, except the IBM Employees Stock Purchase
Plan, beginning with your first day of employment. Health care coverage (medical, dental and
vision) is available for you, your spouse or eligible domestic partner, eligible children and other
eligible dependents.
About your Health, Life and Disability Benefits
IBM provides a range of options, to allow you to design a program that meets your personal or family
circumstances. You can enroll in benefits when you first join IBM, and you’ll have the opportunity to
review and change your benefits each year during the enrollment period, usually held in the fall. You pay
for your share of benefit coverage through payroll deductions.
Healthcare Choices
To make good, consumer-based decision about your health means understanding your choices and choosing coverage
that matches your health care needs.
IBM offers several healthcare plan options. The IBM medical
options provide comprehensive coverage for preventive care,
medical care, hospitalizations and emergency care. What differs
is the amount you pay for your coverage (through payroll
deductions) and the amount you pay out-of-pocket for eligible
covered services.
IBM PPO and IBM PPO Plus
Coverage: The IBM PPO and IBM PPO Plus options offer the same level of coverage. The difference between the two is
the amount you pay through your paycheck and the deductible you pay when you obtain medical and mental health
services.
Deductible: Under PPO Plus, you will pay a higher monthly contribution for coverage but have a lower individual and
family deductible.
IBM Exclusive Provider Organization (EPO)
Coverage: The IBM EPO has a fixed copayment for emergency room visits and inpatient admissions for surgery or
rehabilitation. There is no coverage for services received outside the network except in emergencies. There is no
coverage for services received from out-of-network mental health and substance use providers.
Deductible: Under the EPO, you will pay the highest monthly contribution and a small deductible.
IBM PPO with HSA and IBM Enhanced PPO with HSA
Coverage: The IBM PPO with HSA and IBM Enhanced PPO with HSA options offer the same level of coverage. The
difference between the two is the amount you pay through your paycheck and the deductible you pay when you obtain
medical and mental health services. Primary care office visits are available at no cost to you after you meet the
deductible.
Deductible: You must meet the deductible before the Plan will provide medical, mental health/substance use or
pharmacy benefits. Preventive drugs are not subject to the deductible. Please note that the deductible works differently
with this plan option when more than one person is enrolled. The family deductible must be met before any family
member is eligible to receive a benefit.
Wellbeing Rewards Programs
IBM wants you to be as healthy as you can be across all 5 Dimensions of Health. We take health and well-being support
to another level with our Live Well. Live Better. Rewards Program. To enhance your personal health management, we
offer program options to support physical activity, healthy eating, mindfulness, and more.
Healthcare Coverage (after you leave IBM)
When you retire or leave from IBM, you’ll want to know how the company helps support your future health care needs. If
you are not yet Medicare-eligible, in most cases, when you leave IBM, you will be able to continue your coverage under
an IBM-sponsored health benefits plan, at least for some period of time.
Transitional Medical Program (TMP)
The Transitional Medical Program (TMP) is a health care continuation of coverage program
you can continue coverage equivalent to that which you had been receiving as an IBM benefits recipient or covered
dependent. You pay for coverage at 102% of the group rate.
Post-Employment Medical Coverage
You will have access to post-employment IBM health care coverage if certain age and service requirements are met

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