{"id":285,"date":"2024-06-05T13:43:57","date_gmt":"2024-06-05T13:43:57","guid":{"rendered":"https:\/\/mdlzbmr.com\/snuh\/?page_id=285"},"modified":"2025-09-16T17:15:32","modified_gmt":"2025-09-16T17:15:32","slug":"retirement-planning-guide","status":"publish","type":"page","link":"https:\/\/mdlzbmr.com\/snuh\/retirement-planning-guide\/","title":{"rendered":"Retirement Planning Guide"},"content":{"rendered":"\n\n\t\t<h2>Retirement Planning Guide<\/h2>\t\n<h2>\n\t\t\tRetiring is a big-and exciting-step.\t<\/h2>\n\t<p>Regardless of where you&#8217;re at, it&#8217;s important to consider your personal needs, income sources, and what your health care options might be once you retire.<\/p>\n<p>Here are key considerations, actions to take, and resources available-both within and outside of Mondel\u0113z International (MDLZ)-to help you plan for retirement.<\/p>\n\t&nbsp;\n<h2>\n\t\t\tRetirement Checklists\t<\/h2>\n\t<h4>Follow the steps in these checklists as you plan your retirement<\/h4>\n<p>You can also download and\/or print the checklists using the button below.<\/p>\n<p>&nbsp;<\/p>\n\t\t\t<a href=\"https:\/\/mdlzbmr.com\/snuh\/wp-content\/uploads\/sites\/3\/2025\/03\/2023-Retirement-Checklist.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\tDownload the checklists >\n\t\t\t\t\t<\/a>\n\t<h4>Prepare for retirement<\/h4>\n<p>Select each section below for important considerations and actions to take one year, six months, 90 days, 60 days, and\/or 30 days before you plan to retire. And, as you continue to approach retirement, check back here to ensure you&#8217;re meeting the steps in a timely manner.<\/p>\n<style>#sp-ea-1186 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-1186.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-1186.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-1186.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-1186.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-1186.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1741908837\"><div id=\"sp-ea-1186\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-11860\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse11860\" aria-controls=\"collapse11860\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> One Year From Retirement<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse11860\" data-parent=\"#sp-ea-1186\" role=\"region\" aria-labelledby=\"ea-header-11860\"> <div class=\"ea-body\"><h4 class=\"purple-text\">Make a plan<\/h4><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i>Determine your retirement date.<\/p><\/div><div class=\"checklist-flex\"><i class=\"fas fa-check-square\"><\/i> When you\u2019re comfortable sharing, let your manager know of your intent to retire. Together, decide the best approach to managing your transition to retirement.<\/div><div class=\"checklist-flex\"><i class=\"fas fa-check-square\"><\/i>As you plan, you may find these process-related details on the<a href=\"https:\/\/mdlz.service-now.com\/kb?id=kb_article_view&amp;sys_kb_id=bb852a401b316d103b51ed70f54bcb5b\" target=\"_blank\" rel=\"noopener\">\u00a0Employee Center<\/a>\u00a0helpful.<\/div><h4 class=\"purple-text\">Check out your health and welfare coverages and retirement benefits currently in place, including those outside of MDLZ<\/h4><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div>Go to <a href=\"https:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a> and revisit the health and welfare coverages you currently have as an active MDLZ employee.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><p>Contact the Mondel\u0113z International Retirement and Savings Plan Center at <a href=\"tel:18666124582\">1-866-612-4582<\/a> or visit the Fidelity NetBenefits website at <a href=\"http:\/\/netbenefits.com\" target=\"_blank\" rel=\"noopener\">www.netbenefits.com<\/a> to determine if you\u2019re eligible for a retirement benefit from a MDLZ-sponsored:<\/p><ul><li>Defined benefit pension plan (pension benefit); and\/or<\/li><li>401(k) savings plan<\/li><\/ul><\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i>Determine your Medicare eligibility by going to <a href=\"http:\/\/www.medicare.gov\" target=\"_blank\" rel=\"noopener\">www.medicare.gov<\/a>.<\/p><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div>Learn more about potential Social Security retirement benefits at <a href=\"http:\/\/www.ssa.gov\" target=\"_blank\" rel=\"noopener\">www.ssa.gov<\/a> or call the Social Security Administration at <a href=\"tel:18007721213\">1-800-772-1213<\/a>.<\/div><\/div><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-11861\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse11861\" aria-controls=\"collapse11861\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Six Months from Retirement<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse11861\" data-parent=\"#sp-ea-1186\" role=\"region\" aria-labelledby=\"ea-header-11861\"> <div class=\"ea-body\"><h4 class=\"purple-text\">Update your personal information<\/h4><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div>Check that <a href=\"https:\/\/mdlz.service-now.com\/hrportal\" target=\"_blank\" rel=\"noopener\">Workday<\/a> accurately reflects your home address and phone number (if not, update your record). This will help ensure that you receive any benefit-related information that\u2019s mailed to your home.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div>Ensure your primary email address is up to date on <a href=\"https:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a> as well as on the <a href=\"https:\/\/netbenefits.com\" target=\"_blank\" rel=\"noopener\">Fidelity NetBenefits website<\/a>. If you're currently using your Company email address as your primary email, you'll want to update that to a personal email address as you approach retirement, or once you've retired.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div>Make sure your beneficiary designations for any applicable bank account, pension benefit, 401(k) Savings Plan, insurance policy, Health Savings Account (HSA), and\/or Health Reimbursement Arrangement (HRA) are up to date.<\/div><\/div><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-11862\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse11862\" aria-controls=\"collapse11862\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> 90 Days from Retirement<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse11862\" data-parent=\"#sp-ea-1186\" role=\"region\" aria-labelledby=\"ea-header-11862\"> <div class=\"ea-body\"><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div>Submit a signed letter of resignation to your manager. You can do so in <a href=\"https:\/\/mdlz.service-now.com\/hrportal\" target=\"_blank\" rel=\"noopener\">Workday<\/a> (<a href=\"https:\/\/mdlz.service-now.com\/$viewer.do?sysparm_stack=no&amp;sysparm_sys_id=5e3a433b1b345d54bba7a60fe54bcb7e\" target=\"_blank\" rel=\"noopener\">review the steps<\/a>). Be sure to choose the retirement option and in the comments section, include that your resignation letter is part of the formal retirement process. <strong>If you and\/or a covered family member are not yet age 65, review the pre-65 retiree medical coverage options and costs on <a href=\"https:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a><\/strong>. Consider which option and its relative cost may be best for you and your eligible family members going forward.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><strong>Review your pre-65 retiree medical coverage options (if eligible).<\/strong>\u00a0Select what\u2019s best for you and your eligible family members on\u00a0<a href=\"https:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a>. Note: You'll be able to enroll\u00a0 starting on your retirement date.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><strong>Request a pension benefit estimate and\/or start the pension benefit process (if eligible)*.<\/strong> You can do so by calling the Mondel\u0113z International Retirement and Savings Plan Center or by logging into your account on the <a href=\"https:\/\/netbenefits.com\" target=\"_blank\" rel=\"noopener\">Fidelity NetBenefits website<\/a>.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><strong>Apply for Medicare (if applicable).<\/strong>\u00a0If you\u2019re nearing, at, or older than age 65, apply for Medicare\u2014if you haven\u2019t already. Learn more at <a href=\"http:\/\/www.medicare.gov\/\" target=\"_blank\" rel=\"noopener\">www.medicare.gov<\/a>.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><strong>Determine when you want to begin receiving your Social Security benefits.<\/strong>\u00a0This may be different timing than other benefits. Contact Social Security, if applicable. Learn more at <a href=\"https:\/\/www.ssa.gov\/\" target=\"_blank\" rel=\"noopener\">www.ssa.gov<\/a>.<\/div><\/div><p><em>*Take action no less than 30 days, and no more than 180 days before retiring. If less than 90 days, your payment may be delayed.<\/em><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-11863\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse11863\" aria-controls=\"collapse11863\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> 60 Days from Retirement<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse11863\" data-parent=\"#sp-ea-1186\" role=\"region\" aria-labelledby=\"ea-header-11863\"> <div class=\"ea-body\"><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div>If you or a covered family member will be at least age 65 when you retire, make an appointment with the <a href=\"http:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\" rel=\"noopener\">Post-65 Via Benefits Exchange<\/a>. The Post-65 Via Benefits Exchange is our vendor partner offering you access to medical, prescription drug, dental, and vision plans. Licensed benefit advisors can inform you about the supplemental Medicare coverage options available and help you enroll.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><strong>Confirm your personal information, like your mailing address and phone number, is accurate with the Post-65 Via Benefits Exchange.<\/strong>\u00a0Do so by calling\u00a0<a href=\"tel:18662010758\">1-866-201-0758<\/a>.<\/div><\/div><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-11864\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse11864\" aria-controls=\"collapse11864\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> 30 Days from Retirement<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse11864\" data-parent=\"#sp-ea-1186\" role=\"region\" aria-labelledby=\"ea-header-11864\"> <div class=\"ea-body\"><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><strong>Ensure your personal and beneficiary (where applicable) information is updated.<\/strong><\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><p><strong>Make your coverage decisions.<\/strong>\u00a0Finalize any applicable:<\/p><ul><li>Pre-65 retiree medical coverage elections<\/li><li>Post-65 supplemental Medicare coverage elections<\/li><\/ul><\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><strong>Review your 401(k) Savings Plan distribution options.<\/strong>\u00a0Think about your financial needs and expenses in retirement and consider discussing with a financial or tax advisor. Note that a retirement kit, which includes your distribution options, is mailed to your home within 10 days after your retirement date.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><strong>Call the Mondel\u0113z International Retirement and Savings Plan Center.\u00a0<\/strong>Make sure you understand and get answers to any questions you may have about your pension benefit (if applicable) and\/or 401(k) Savings Plan account. You can also request a 401(k) Saving Plan distribution by phone.<\/div><\/div><div class=\"checklist-flex\"><p><i class=\"fas fa-check-square\"><\/i><\/p><div><strong>Use the funds in your Health Care Flexible Spending Account (Health Care FSA) (if applicable).\u00a0<\/strong>Your Health Care FSA coverage ends on the last day of the month in which you retire; unless you elect to temporarily continue coverage through COBRA.<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\t<p><em>This information is intended to provide high-level information regarding certain Company-sponsored retiree health and welfare coverages and retirement benefits. For more detailed information about the benefits available, please refer to the appropriate Summary Plan Descriptions (SPDs) and any corresponding Summary of Material Modification (SMM). As a reminder, the Company reserves the right to amend or terminate the retiree coverages and benefits that it sponsors at any time.<\/em><\/p>\n\t\t    <h2>Retirement Planning Resources<\/h2>\n\t\t\t<p>Learn more about the resources available to help you plan for retirement.<\/p>\n\t\t<a href=\"https:\/\/mdlzbmr.com\/snuh\/wp-content\/uploads\/sites\/3\/2025\/03\/MDLZ_2025_Retirement_Planning_Resources.pdf\" target=\"_blank\">\n      \t\t\t<h2>LEARN MORE ><\/h2>\n      \t\t\t<img decoding=\"async\" src=\"http:\/\/mdlzbmr.com\/wp-content\/uploads\/2024\/06\/Short-Button.svg\" alt=\"Button Background\"\/>\n\t\t<\/a>\n\t\t    <h2>Consider what happens to your other MDLZ benefits when you retire<\/h2>\n\t\t<a href=\"https:\/\/businessolver.foleon.com\/mondelez\/retiree-benefit-considerations\/\" target=\"_blank\">\n      \t\t\t<h2>LEARN MORE ><\/h2>\n      \t\t\t<img decoding=\"async\" src=\"http:\/\/mdlzbmr.com\/wp-content\/uploads\/2024\/06\/Short-Button.svg\" alt=\"Button Background\"\/>\n\t\t<\/a>\n\t\t    <h2>Looking for more details about Medicare?<\/h2>\n\t\t\tFor more information, including how to enroll in Medicare, go to <a href=\"http:\/\/medicare.gov\" target=\"_blank\">www.Medicare.gov<\/a> and select the &#8220;Get Started with Medicare&#8221; box. Or call <a href=\"tel:18006334227\">1-800-MEDICARE<\/a> (<a href=\"tel:18006334227\">1-800-633-4227<\/a>). \n\t\t\t\n\t\t\t<p>You can also contact the Post-65 Via Benefits Exchange online at <a href=\"http:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\">my.viabenefits.com\/mondelez<\/a>, or by phone at <a href=\"tel:18662010758\">1-866-201-0758<\/a>.<\/p>\n<!--\n\t\t<a href=\"http:\/\/medicare.gov\">\n      \t\t\t<h2>Medicare.gov<\/h2>\n      \t\t\t<img decoding=\"async\" src=\"http:\/\/mdlzbmr.com\/wp-content\/uploads\/2024\/06\/Short-Button.svg\" alt=\"Button Background\"\/>\n\t\t<\/a>\n\t\t\t\t<a href=\"http:\/\/my.viabenefits.com\/mondelezv\">\n      \t\t\t<h2>Via Benefits<\/h2>\n      \t\t\t<img decoding=\"async\" src=\"http:\/\/mdlzbmr.com\/wp-content\/uploads\/2024\/06\/Short-Button.svg\" alt=\"Button Background\"\/>\n\t\t<\/a>\n\t\t-->\n<h2>\n\t\t\tPre-65 Health Care\t<\/h2>\n\t<p>Health care that continues to meet your and your family&#8217;s needs during retirement is important.<\/p>\n<p>You&#8217;re eligible for MDLZ-sponsored retiree medical coverage, provided:<\/p>\n<ul>\n<li>You&#8217;re at least age 55 on the day you retire; and<\/li>\n<li>You&#8217;ve completed at least 10 years of service with the Company since your most recent hire date.<\/li>\n<\/ul>\n<p>Pre-65 retiree medical coverage is also available to your spouse\/domestic partner and\/or other eligible family members who are younger than age 65. Each individual&#8217;s eligibility is based on their own age.<\/p>\n<p>Any individual who is or subsequently becomes Medicare-eligible can shop and choose supplemental Medicare coverage through the <a href=\"http:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\" rel=\"noopener\">Post-65 Via Benefits Exchange<\/a>. The Post-65 Via Benefits Exchange mails information about coverage options to those who are eligible.<\/p>\n<style>#sp-ea-1211 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-1211.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-1211.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-1211.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-1211.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-1211.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1741977181\"><div id=\"sp-ea-1211\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12110\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12110\" aria-controls=\"collapse12110\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> About Coverage<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12110\" data-parent=\"#sp-ea-1211\" role=\"region\" aria-labelledby=\"ea-header-12110\"> <div class=\"ea-body\"><p>The Mondel\u0113z Global Pre-65 Retiree and Long-Term Disability Medical Plan (the \u201cPre-65 Plan\u201d) offers retiree medical and prescription drug coverage options like those offered to you as an active employee.<\/p><p>MDLZ-sponsored retiree dental and vision coverage isn\u2019t available. You can, however, temporarily continue the dental and\/or vision coverage you have as an active employee through COBRA. Learn more about COBRA continuation coverage in the section below.<\/p><p>Also, consider what happens to your other benefits when you retire\u2013<a href=\"https:\/\/businessolver.foleon.com\/mondelez\/retiree-benefit-considerations\/\" target=\"_blank\" rel=\"noopener\">learn more here<\/a>.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12111\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12111\" aria-controls=\"collapse12111\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> About Costs<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12111\" data-parent=\"#sp-ea-1211\" role=\"region\" aria-labelledby=\"ea-header-12111\"> <div class=\"ea-body\"><p>Your cost for retiree medical coverage depends on the coverage and carrier options you select, who you enroll, where you live, and whether you\u2019re eligible for a Company subsidy. Here's more information about how you make payments and who's eligible for a Company subsidy.<\/p><p><span class=\"blue-text\"><strong>Electronic payments<\/strong><\/span><\/p><p>You pay for your coverage electronically from your bank account. Your cost is deducted from your account on the 5th of each month (or the next business day if the 5th is on a weekend or holiday).<\/p><p>If your required monthly payments aren\u2019t received when due, coverage for you and any enrolled family members ends as of your last paid-through date.<\/p><p><span class=\"blue-text\"><strong>Eligibility for Company subsidy<\/strong><\/span><\/p><p>The Company pays a portion of your monthly retiree medical coverage premium if you:<\/p><ul><li><span class=\"blue-text\"><strong>Are a legacy Kraft Foods employee<\/strong><\/span>\u00a0hired before January 1, 2004, OR\u00a0<span class=\"blue-text\"><strong>a legacy Cadbury employee<\/strong><\/span>\u00a0hired before January 1, 2012; AND<\/li><\/ul><ul><li><span class=\"blue-text\"><strong>Reached age 55 with at least 10 years of service<\/strong><\/span>\u00a0with the Company by December 31, 2019.<\/li><\/ul><p>If you don't meet these requirements, you aren't eligible for the Company subsidy. As a result, you'll pay the full cost of coverage if you decide to enroll.<\/p><p><span class=\"blue-text\"><strong>Note:<\/strong><\/span> If you retired after January 1, 2024, any funding that you may be eligible for will sunset at the end of 2029. From that point forward, you'll pay the full cost of coverage if you decide to enroll.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12112\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12112\" aria-controls=\"collapse12112\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> How to Enroll<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12112\" data-parent=\"#sp-ea-1211\" role=\"region\" aria-labelledby=\"ea-header-12112\"> <div class=\"ea-body\"><ul><li><span class=\"blue-text\"><strong>Review your retiree medical coverage options:<\/strong><\/span> Once your retirement status is processed in the system, the Mondel\u0113z International Benefits Center mails you instructions on how to enroll (if you haven\u2019t done so already). \u00a0<span style=\"background-color: var(--color-content);color: var(--color-content-text)\">You can review your coverage options on <a href=\"http:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a> beginning 90 days before your retirement date.<\/span><\/li><li><span class=\"blue-text\"><strong>Enroll:<\/strong><\/span> For coverage to begin on your retirement date, you need to make your elections within the 30 days following your date of retirement. Go to <a href=\"http:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a> or call the Mondel\u0113z International Benefits Center at <a href=\"tel:%2018008878807\">1-800-887-8807<\/a> (Option 1 \u2013 Benefits; Option 1 \u2013 Health &amp; Welfare Benefits).\u00a0<em>You must actively enroll for retiree medical coverage<\/em>.<\/li><li><span class=\"blue-text\"><strong>Avoid a coverage gap:<\/strong><\/span><span style=\"color: var(--color-content-text);background-color: var(--color-content)\">\u00a0If you enroll within 30 days after your retirement date, you won't have a gap in coverage:<\/span><ul><li><span class=\"blue-text\"><strong>Active coverage:<\/strong><\/span>\u00a0Ends on the last day of the month in which your employment ends.<\/li><li><span class=\"blue-text\"><strong>Retiree medical coverage:<\/strong><\/span>\u00a0Begins (retroactively) on the first of the month on or after your retirement date.<\/li><\/ul><\/li><li>You may enroll after the initial 30-day enrollment period. If you do, coverage takes effect at a later date and is prospective only.<\/li><\/ul><p>After you enroll, you receive additional information\u2014including your new retiree medical coverage ID card(s) directly from your carrier.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12113\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12113\" aria-controls=\"collapse12113\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> COBRA Continuation Coverage<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12113\" data-parent=\"#sp-ea-1211\" role=\"region\" aria-labelledby=\"ea-header-12113\"> <div class=\"ea-body\"><p>When your active medical, dental, and\/or vision coverages end due to your retirement, you can opt to continue coverage(s) through COBRA (typically for up to 18 months). You\u2019re not, however, allowed to enroll in retiree medical coverage concurrent with COBRA continuation medical coverage. So, for example, if you elect medical coverage under COBRA, you must delay enrolling in coverage under the Pre-65 Plan. You can, however, enroll in the Pre-65 Plan for medical coverage and elect COBRA continuation coverage for dental and\/or vision coverage. COBRA coverage information is mailed to your home address within two weeks after your last day of work.<\/p><p>If you enroll, you pay the full cost of COBRA coverage. Any eligible expenses you incur continue to count toward your active coverage option\u2019s deductible and out-of-pocket maximum. In addition, if you elect to continue medical coverage through COBRA, you and your family members may continue to use the Employee Assistance Program (EAP) for 18 months. EAP coverage is automatically included, at no additional cost. For more information, contact your EAP provider, Magellan Healthcare, at\u00a0<a href=\"tel:%2018003274581\">1-800-327-4581<\/a>.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12114\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12114\" aria-controls=\"collapse12114\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Approaching Age 65<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12114\" data-parent=\"#sp-ea-1211\" role=\"region\" aria-labelledby=\"ea-header-12114\"> <div class=\"ea-body\"><p>Once you (or your enrolled spouse\/domestic partner) become Medicare-eligible, you're no longer eligible for the Pre-65 Plan. You can choose supplemental Medicare coverage through the <a href=\"http:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\" rel=\"noopener\">Post-65 Via Benefits Exchange<\/a>\u2014our vendor partner in offering access to individual insurance coverages. The Post-65 Via Benefits Exchange can provide more information, including whether you're eligible for Company funding toward your post-65 health care costs.<\/p><p>Before your 65th birthday, you'll receive more information about your coverage options and the steps to take to enroll in Medicare Part A, Part B, and supplemental Medicare coverage. Note: If you plan to enroll in a Medicare Supplement or Gap Plan and aren't already enrolled in Medicare Part D, be sure to enroll when you become Medicare-eligible (otherwise, you may pay a penalty). The effective date of any Medicare coverage varies depending on when you enroll.<\/p><p><span class=\"blue-text\"><strong>Additional information<\/strong><\/span><\/p><ul><li><span class=\"blue-text\"><strong>Medicare:<\/strong><\/span>\u00a0Including how to enroll, when coverage takes effect, and how Medicare benefits coordinate with other coverages, contact the Social Security Administration at\u00a0<a href=\"tel:%2018006334227\">1-800-633-4227<\/a>\u00a0(you can also visit their website at\u00a0<a href=\"http:\/\/www.ssa.gov\/medicare\" target=\"_blank\" rel=\"noopener\">www.ssa.gov\/medicare<\/a>).<\/li><\/ul><ul><li><span class=\"blue-text\"><strong>Supplemental Medicare coverage:<\/strong><\/span>\u00a0Contact the Post-65 Via Benefits Exchange online at\u00a0<a href=\"https:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\" rel=\"noopener\">my.viabenefits.com\/mondelez<\/a>, or by phone at\u00a0<a href=\"tel:%2018662010758\">1-866-201-0758<\/a>.<\/li><\/ul><p><span class=\"blue-text\"><strong>Retiree medical coverage is not a continuation of active coverage<\/strong><\/span><\/p><p>Even if you enroll in the same coverage option as a retiree, you must start over with a new deductible and out-of-pocket maximum. So, depending on whether you\u2019ve satisfied your deductible and\/or met your out-of-pocket maximum for the calendar year as of your retirement date; you may want to continue your active medical coverage under COBRA through the end of the calendar year in which you retire.<\/p><p>In addition, if you\u2019re receiving treatment when you start retiree medical coverage with a new carrier and your current medical provider isn\u2019t in-network, the new carrier may still consider your current care as \u201cin-network care\u201d for a period of time. This is called \u201cTransition of Care.\u201d<\/p><\/div><\/div><\/div><\/div><\/div>\n<h2>\n\t\t\tPost-65 Health Care\t<\/h2>\n\t<p>Health care that continues to meet your and your family&#8217;s needs during retirement is important. If you&#8217;re age 65 or older and Medicare-eligible, you can elect supplemental Medicare coverage through the\u00a0<a href=\"https:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\" rel=\"noopener\">Post-65 Via Benefits Exchange<\/a>.<\/p>\n<p>Coverage through the Post-65 Via Benefits Exchange is also available to your spouse\/domestic partner and\/or other eligible family members who are age 65 or older. Each individual&#8217;s eligibility is based on their own age.<\/p>\n<p>Any individual who is or subsequently becomes Medicare-eligible can shop and choose supplemental Medicare coverage through the Post-65 Via Benefits Exchange. The Post-65 Via Benefits Exchange mails those eligible information about their coverage options.<\/p>\n<style>#sp-ea-1201 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-1201.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-1201.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-1201.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-1201.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-1201.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1741922708\"><div id=\"sp-ea-1201\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12010\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12010\" aria-controls=\"collapse12010\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> About Coverage<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12010\" data-parent=\"#sp-ea-1201\" role=\"region\" aria-labelledby=\"ea-header-12010\"> <div class=\"ea-body\"><p>Once you turn age 65, you\u2019re eligible for Medicare. Medicare is a health insurance program, including hospital insurance (Part A) and medical insurance (Part B), offered by the federal government. Medicare doesn\u2019t cover all your expenses, however, so you may decide to buy supplemental Medicare coverage.<\/p><p><span class=\"blue-text\"><strong>Supplemental Medicare coverage<\/strong><\/span><\/p><p>The Post-65 Via Benefits Exchange\u2014our vendor partner\u2014offers you access to a variety of medical, prescription drug, dental, and vision plans that can either supplement (or replace) your Medicare coverage. They can also help you understand your options, provide guidance, and enroll.<\/p><p>Your supplemental Medicare coverage cost depends on the type of plan you select and whether you're eligible for Company funding toward your post-65 health care costs (see the\u00a0<em>About costs <\/em>section below). A licensed benefit advisor from the Post-65 Via Benefits Exchange can work with you to select plans based on your medical and financial needs.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12011\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12011\" aria-controls=\"collapse12011\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> About Costs<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12011\" data-parent=\"#sp-ea-1201\" role=\"region\" aria-labelledby=\"ea-header-12011\"> <div class=\"ea-body\"><p>The Company will provide funding toward your post-65 health care costs if you:<\/p><ul><li><span class=\"blue-text\"><strong>Are a legacy Kraft Foods employee<\/strong><\/span>\u00a0hired before January 1, 2004, OR\u00a0<span class=\"blue-text\"><strong>a legacy Cadbury employee<\/strong><\/span>\u00a0hired before January 1, 2012; AND<\/li><\/ul><ul><li><span class=\"blue-text\"><strong>Have reached age 55 with at least 10 years of service<\/strong><\/span> with the Company by December 31, 2019.<\/li><\/ul><p>If you don't meet these requirements, you aren't eligible for Company funding. As a result, you'll pay the full cost of the supplemental Medicare coverage(s) you decide to enroll in through the Post-65 Via Benefits Exchange.<\/p><p><span class=\"blue-text\"><strong>Note:<\/strong><\/span> If you retired after January 1, 2024, any funding that you may be eligible for will sunset at the end of 2029. From that point forward, you\u2019ll pay the full cost of coverage if you decide to enroll.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12012\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12012\" aria-controls=\"collapse12012\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> How to Enroll<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12012\" data-parent=\"#sp-ea-1201\" role=\"region\" aria-labelledby=\"ea-header-12012\"> <div class=\"ea-body\"><ul><li><span class=\"blue-text\"><strong>Enroll in Medicare<\/strong><\/span>\u00a0by going to\u00a0<a href=\"https:\/\/www.medicare.gov\/\" target=\"_blank\" rel=\"noopener\">www.Medicare.gov<\/a>.<\/li><\/ul><ul><li><span class=\"blue-text\"><strong>Enroll in supplemental Medicare coverage<\/strong><\/span>\u00a0through the Post-65 Via Benefits Exchange by calling\u00a0<a href=\"tel:18662010758\">1-866-201-0758<\/a>\u00a0(representatives are available Monday through Friday, 7:00 a.m. to 8:00 p.m., Central Time). Schedule an appointment with a licensed benefit advisor 60 days before your retirement.<\/li><\/ul><ul><li><span class=\"blue-text\"><strong>Enroll before your retirement date<\/strong><\/span>, so you don't have a gap in coverage:<\/li><\/ul><ul><li style=\"list-style-type: none\"><ul><li><span class=\"blue-text\"><strong>Active coverage:<\/strong><\/span>\u00a0Ends on the last day of the month in which your employment ends.<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none\"><ul><li><span class=\"blue-text\"><strong>Medicare coverage:<\/strong><\/span>\u00a0Begins the first of the month in which you turn age 65, provided you enroll before the month in which you turn age 65. If you enroll the month in which you turn age 65 or during the three months after, coverage begins the first day of the next month.<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none\"><ul><li><span class=\"blue-text\"><strong>Supplemental Medicare coverage through the Post-65 Via Benefits Exchange:\u00a0<\/strong><\/span>Begins the first of the month on or after your retirement date.<\/li><\/ul><\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12013\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12013\" aria-controls=\"collapse12013\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> COBRA Continuation Coverage<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12013\" data-parent=\"#sp-ea-1201\" role=\"region\" aria-labelledby=\"ea-header-12013\"> <div class=\"ea-body\"><p>When your active medical, dental, and\/or vision coverages end due to your retirement, you can opt to continue coverage(s) through COBRA (typically for up to 18 months). You're not, however, allowed to enroll in supplemental Medicare coverage (for medical, dental, and\/or vision) through the Post-65 Via Benefits Exchange concurrent with COBRA continuation coverage. So, for example, if you elect medical coverage under COBRA, you must delay enrolling in supplemental Medicare coverage (for medical coverage) through the Post-65 Via Benefits Exchange. You can, however, in this case still enroll in supplemental Medicare coverage (for dental and\/or vision coverage) through the Post-65 Via Benefits Exchange instead of through COBRA. COBRA coverage information is mailed to your home address within two weeks after your last day of work.<\/p><p>If you enroll, you pay the full cost of COBRA coverage. Any eligible expenses you incur continue to count toward your active coverage option's deductible and out-of-pocket maximum. In addition, if you elect to continue medical coverage through COBRA, you and your family members may continue to use the Employee Assistance Program (EAP) for 18 months. EAP coverage is automatically included, at no additional cost. For more information, contact your EAP provider\u2014Magellan Healthcare<a href=\"tel:%2018003274581\">\u20141-800-327-4581<\/a>.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12014\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12014\" aria-controls=\"collapse12014\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Important note about enrolling in Medicare<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12014\" data-parent=\"#sp-ea-1201\" role=\"region\" aria-labelledby=\"ea-header-12014\"> <div class=\"ea-body\"><p>To avoid a permanent Medicare Part B Late Enrollment Penalty, you must enroll in Medicare Part B:<\/p><ul><li>When you're first eligible; or<\/li><\/ul><ul><li>If later, during the eight-month Medicare Special Enrollment Period (SEP) following the date your MDLZ-sponsored coverage as an active employee ends.<\/li><\/ul><p>Electing COBRA doesn\u2019t extend this timeline.<\/p><p>Read more detailed information in the <a href=\"#medicaresupplemental\">Medicare &amp; Supplemental Medicare Coverage<\/a> section of this page.<\/p><\/div><\/div><\/div><\/div><\/div>\n<h2  id=\"medicaresupplemental\">\n\t\t\tMedicare and Supplemental Medicare Coverage\t<\/h2>\n\t<p>If you&#8217;re age 65 or older and eligible, Medicare and supplemental Medicare coverage through the Post-65 Via Benefits Exchange can help ensure you have the health care coverage you need in retirement.<\/p>\n<style>#sp-ea-1203 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-1203.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-1203.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-1203.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-1203.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-1203.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1741924615\"><div id=\"sp-ea-1203\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12030\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12030\" aria-controls=\"collapse12030\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> About Coverage<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12030\" data-parent=\"#sp-ea-1203\" role=\"region\" aria-labelledby=\"ea-header-12030\"> <div class=\"ea-body\"><p>Medicare is a health insurance program offered by the federal government. You may be eligible for Medicare if:<\/p><ul><li>You\u2019re age 65 or older;<\/li><li>You\u2019re younger than age 65 and have a disability; or<\/li><li>You have End-Stage Renal Disease or ALS.<\/li><\/ul><p>Medicare coverage includes:<\/p><table><tbody><tr><td><span class=\"blue-text\"><strong>Part A: Hospital insurance<\/strong><\/span><br \/>Includes coverage for:<\/p><ul><li>Inpatient hospital stays<\/li><li>Care provided in a skilled nursing facility<\/li><li>Hospice care<\/li><\/ul><p>You don\u2019t pay a premium for Part A coverage, if eligible.<\/td><td><span class=\"blue-text\"><strong>Part B: Medical insurance<\/strong><\/span><br \/>Includes coverage for:<\/p><ul><li>Services provided by your doctors and other health care providers<\/li><li>Outpatient care<\/li><li>Home health care<\/li><li>Preventive care<\/li><\/ul><p>You pay a premium for this coverage.<\/td><\/tr><\/tbody><\/table><p>Medicare Parts A and B cover limited\u2014if any\u2014prescription drug, dental, and vision care services. For this reason, consider purchasing Medicare Supplemental Insurance (Medigap) with a Part D Prescription Drug plan, or a Medicare Advantage plan to bridge the coverage gap.<\/p><p><span class=\"blue-text\"><strong>Supplemental Medicare coverage<\/strong><\/span><\/p><p>You can shop and choose coverage from a variety of medical and prescription drug plans through the <a href=\"http:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\" rel=\"noopener\">Post-65 Via Benefits Exchange<\/a>, our vendor partner. These plans are designed to either supplement or replace your Medicare coverage. You also can purchase dental and vision coverages.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12031\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12031\" aria-controls=\"collapse12031\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> About Medigap and Part D Prescription Drug plans<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12031\" data-parent=\"#sp-ea-1203\" role=\"region\" aria-labelledby=\"ea-header-12031\"> <div class=\"ea-body\"><p>A Medigap policy paired with a Part D Prescription Drug plan works with Medicare Parts A and B. The Medigap policy helps pay for out-of-pocket health expenses, such as copays and coinsurance, and costs Medicare doesn't cover. The Part D Prescription Drug plan helps pay for prescription drug costs.<\/p><p>Keep in mind\u2014Medigap and Part D plans don't cover dental or vision services, nor do they cover hearing aids. A combined dental, vision, and hearing plan covers these services and protects against unexpected expenses.<\/p><p><span class=\"blue-text\"><strong>Key features<\/strong><\/span><\/p><ul><li>Coverage works alongside Medicare Parts A and B<\/li><li>You\u2019re able to purchase Part D plans for prescription drugs separately<\/li><li>Higher premiums than Medicare Advantage plans<\/li><li>Lower copays and coinsurance than Medicare Advantage plans<\/li><li>You can see any provider that accepts Medicare without a referral<\/li><li>You can add dental, vision, and hearing insurance coverages separately<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12032\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12032\" aria-controls=\"collapse12032\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> About Medicare Advantage (MA) and Medicare Advantage with Prescription Drug (MAPD) plans<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12032\" data-parent=\"#sp-ea-1203\" role=\"region\" aria-labelledby=\"ea-header-12032\"> <div class=\"ea-body\"><p>Known as Medicare Part C, a Medicare Advantage (MA) or Medicare Advantage with Prescription Drug (MAPD) plan combines Medicare Parts A and B and operates as an all-in-one plan. Both plans have networks, so you'll want to check if these plans include your preferred doctors.<\/p><p><span class=\"blue-text\"><strong>Key features:<\/strong><\/span><\/p><ul><li>Coverage combines Medicare Parts A and B, and serves as an \"all-in-one\" plan<\/li><li>An MAPD plan combines medical and prescription drug coverage<\/li><li>Zero or lower premiums than Medigap plans<\/li><li>Higher copays and coinsurance than Medigap plans<\/li><li>You're charged preferred rates for in-network providers<\/li><li>Some plans cover dental and vision services, gym memberships, transportation services, meal delivery, and may offer other benefits<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12033\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12033\" aria-controls=\"collapse12033\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Paying for Supplemental Medicare Coverage<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12033\" data-parent=\"#sp-ea-1203\" role=\"region\" aria-labelledby=\"ea-header-12033\"> <div class=\"ea-body\"><p>If you're eligible, the Company helps to fund your supplemental Medicare coverage when you enroll in an individual plan through the Post-65 Via Benefits Exchange. You receive an annual monetary credit amount under a retiree Health Reimbursement Arrangement, which you can use to help pay for the supplemental Medicare coverage you choose (including dental and vision) or other medical-related expenses.<\/p><p>The Post-65 Via Benefits Exchange can provide you with more information about your retiree Health Reimbursement Arrangement eligibility and amount, if applicable, when it's time to enroll. If you aren't eligible, you're responsible for the full cost of supplemental Medicare coverage. You'll receive more information about how to pay for coverage at retirement.<\/p><p><span class=\"blue-text\"><strong>Want to learn more about supplemental Medicare coverage?<\/strong><\/span><\/p><p>For more information, contact the Post-65 Via Benefits Exchange online at\u00a0<a href=\"https:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\" rel=\"noopener\">my.viabenefits.com\/mondelez<\/a>, or by phone at\u00a0<a href=\"tel:%2018662010758\">1-866-201-0758<\/a>.<\/p><\/div><\/div><\/div><\/div><\/div>\n<h2  id=\"medicaresupplemental\">\n\t\t\tHow to Enroll: Medicare and Supplemental Medicare Coverage\t<\/h2>\n\t<style>#sp-ea-1206 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-1206.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-1206.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-1206.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-1206.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-1206.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1741972335\"><div id=\"sp-ea-1206\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12060\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12060\" aria-controls=\"collapse12060\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> For Medicare<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12060\" data-parent=\"#sp-ea-1206\" role=\"region\" aria-labelledby=\"ea-header-12060\"> <div class=\"ea-body\"><p>You\u2019re eligible for Medicare on the first of the month in which you turn age 65 (if your birthday is the first of the month, you\u2019re eligible the first of the prior month). To enroll, go to <a href=\"https:\/\/www.medicare.gov\/\" target=\"_blank\" rel=\"noopener\">Medicare.gov<\/a>. A few things to keep in mind:<\/p><ul><li>When you\u2019re first eligible, there\u2019s a <span class=\"blue-text\"><strong>seven-month Initial Enrollment Period<\/strong><\/span>. This period begins three months before the month in which you turn age 65, and it ends three months after the month in which you turn age 65.<\/li><li>You can sign up for Medicare Part A any time during your Initial Enrollment Period (you generally don\u2019t pay a premium for this coverage).<\/li><li>Since you do pay a premium for Part B coverage, you may not want to enroll until your coverage as an active employee ends. To avoid a permanent Medicare Part B Late Enrollment Penalty, however, you must enroll in Medicare Part B:<ul><li style=\"list-style-type: none\"><ul><li>When you\u2019re first eligible; or<\/li><li>If later, during the eight-month Medicare Special Enrollment Period (SEP) following the date your MDLZ-sponsored coverage as an active employee ends.<\/li><\/ul><\/li><\/ul><\/li><li>If you don\u2019t sign up for Medicare Part A and\/or Part B during your Initial Enrollment Period or Special Enrollment Period, there\u2019s a <span class=\"blue-text\"><strong>General Enrollment period <\/strong><\/span>between January 1 and March 31 each year. Keep in mind, you (and your spouse) may have to pay a life-long penalty for late Medicare enrollment if there\u2019s a gap between coverage based on your (or your spouse\u2019s) employment and the start of your Medicare coverage. Continuation coverage under COBRA and retiree coverage doesn\u2019t count as coverage based on current employment status.<\/li><li>You can enroll or make a change during the annual General Enrollment period. And, you may be eligible to change your coverage during a Special Enrollment Period if certain life events happen\u2014for example, you move or lose your insurance coverage.<\/li><\/ul><p>For more information, including how to enroll in Medicare, go to <a href=\"http:\/\/medicare.gov\" target=\"_blank\" rel=\"noopener\">Medicare.gov<\/a> and select the \u201cGet Started with Medicare\u201d box. Or call <a href=\"tel:18006334227\">1-800-MEDICARE<\/a> (<a href=\"tel:18006334227\">1-800-633-4227<\/a>). You can also contact the Post-65 Via Benefits Exchange online at <a href=\"http:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\" rel=\"noopener\">my.viabenefits.com\/mondelez<\/a>, or by phone at <a href=\"tel:18662010758\">1-866-201-0758<\/a>.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12061\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12061\" aria-controls=\"collapse12061\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> For Supplemental Medicare Coverage<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12061\" data-parent=\"#sp-ea-1206\" role=\"region\" aria-labelledby=\"ea-header-12061\"> <div class=\"ea-body\"><p>Sixty days before you retire, call the Post-65 Via Benefits Exchange and schedule an appointment with a licensed benefit advisor. Your advisor can inform you about the coverage options available and help you enroll. You may enroll online, however, you\u2019re encouraged to enroll by phone so that a benefit advisor can assist you.<\/p><p>Once you enroll, supplemental Medicare coverage takes effect the first of the month on or after your retirement date. For example, if you plan to retire effective May 1 and you work at least one day in April, your active employee coverage continues through April 30 and your supplemental Medicare coverage takes effect on May 1. You\u2019ll want to enroll for Medicare and supplemental Medicare coverage(s) effective May 1.<\/p><p>A few weeks after you enroll, you receive additional information\u2014including your new retiree medical insurance cards directly from your carrier(s). Even though you have a direct relationship with your carrier(s), the Post-65 Via Benefits Exchange continues to be your advocate for supplemental Medicare coverage after your enrollment.<\/p><h4 class=\"blue-text\">What to expect from the Post-65 Via Benefits Exchange<\/h4><ul><li><span class=\"blue-text\"><strong>Personalized, step-by-step guidance:<\/strong><\/span> The Post-65 Via Benefits Exchange offers easy-to-use online tools and licensed benefit advisors to help you better understand your options and select the supplemental Medicare coverage that fits your needs.<\/li><li><span class=\"blue-text\"><strong>Knowledgeable assistance:<\/strong><\/span> Licensed benefit advisors specialize in Medicare and go through annual training and certification to help you make better informed and more confident decisions.<\/li><li><span class=\"blue-text\"><strong>Quality plan options:<\/strong><\/span> Leading national and regional insurance carriers ensure you\u2019re able to choose from quality plans available in your area.<\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n\t\t\t<a href=\"http:\/\/medicare.gov\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\tMedicare.gov >\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"http:\/\/my.viabenefits.com\/mondelez\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\tVia Benefits >\n\t\t\t\t\t<\/a>\n<h2>\n\t\t\tRetiree Income\t<\/h2>\n\t<h4><strong>Being financially prepared for retirement is important<\/strong><\/h4>\n<p>While you&#8217;re working, your paycheck is likely your primary source of income. When you retire, your income comes from sources like your MDLZ 401(k) Savings Plan, possibly a pension plan, and Social Security-in addition to your own personal savings. It&#8217;s important to understand these sources and how to begin receiving income from them once you retire.<\/p>\n<h4>Confirm your eligibility for an MDLZ pension and\/or 401(k) Savings Plan benefit<\/h4>\n<p>Contact the Mondel\u0113z International Retirement and Savings Plan Center at <a href=\"tel:18666124582\">1-866-612-4582<\/a> to determine if you&#8217;re eligible. Representatives are available Monday through Friday, 7:30 a.m. to 7:30 p.m. (Central Time).<\/p>\n<style>#sp-ea-1216 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-1216.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-1216.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-1216.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-1216.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-1216.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1741983947\"><div id=\"sp-ea-1216\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12160\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12160\" aria-controls=\"collapse12160\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Pension Benefit<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12160\" data-parent=\"#sp-ea-1216\" role=\"region\" aria-labelledby=\"ea-header-12160\"> <div class=\"ea-body\"><p><span class=\"green-text\"><strong>Eligibility<\/strong><\/span><\/p><p>You may be eligible for a pension benefit if you're a legacy:<\/p><ul><li>Kraft Foods employee hired before January 1, 2009; or<\/li><li>Cadbury employee hired before January 1, 2007.<\/li><\/ul><p><span class=\"green-text\"><strong>Starting your pension benefit:<\/strong><\/span>\u00a0You have two options\u2014take action no less than 30 days and no more than 180<sup>*<\/sup>\u00a0days before you retire:<\/p><ul><li>Call the Mondel\u0113z International Retirement and Savings Plan Center. When you call, request a Retirement Benefits Coordinator who can help guide you and be your point of contact throughout the entire process.<\/li><li>Log on to the <a href=\"http:\/\/netbenefits.com\" target=\"_blank\" rel=\"noopener\">Fidelity NetBenefits website<\/a>. Once online, go to the <em>Quick Links<\/em> tab, select <em>How to Collect Your Pension<\/em>, and follow the step-by-step process. You may be able to complete the entire process for starting your pension benefit via this online option.<\/li><\/ul><p>You'll then receive a pension estimate and will be asked to:<\/p><ul><li>Select a payment option;<\/li><li>Elect a pension start date; and<\/li><li>Provide all the necessary information to begin your pension benefit.<\/li><\/ul><p>The Mondel\u0113z International Retirement and Savings Plan Center will calculate your final benefit, which will be shown on your final calculation statement. Depending on the payment option you elect, you'll receive your first monthly pension payment (or lump sum payment) within 30 days of your benefit start date.<\/p><p><em>*If you take action less than 90 days before you retire, your payment may be delayed.<\/em><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12161\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12161\" aria-controls=\"collapse12161\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> 401(k) Savings Plan benefit<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12161\" data-parent=\"#sp-ea-1216\" role=\"region\" aria-labelledby=\"ea-header-12161\"> <div class=\"ea-body\"><p>If your 401(k) Savings Plan vested account balance is more than $1,000, you may elect to receive a distribution upon retirement or later. Fidelity Investments\u00ae will mail you a retirement kit within 10 days after your retirement date. The kit will include information regarding your distribution options. You can also call the Mondel\u0113z International Retirement and Savings Plan Center to learn more about your options, or to request a distribution.<\/p><p>If your vested account balance is $1,000 or less, you'll automatically receive your distribution as a lump sum.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12162\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12162\" aria-controls=\"collapse12162\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Health Savings Account (HSA)<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12162\" data-parent=\"#sp-ea-1216\" role=\"region\" aria-labelledby=\"ea-header-12162\"> <div class=\"ea-body\"><p>If, as an active employee, you have an HSA through the Company, upon retirement you may continue to use your funds\u2014including your NetBenefits\u00ae Access Card (a debit card). Your HSA will continue as an individual account with Fidelity, but you\u2019ll be responsible for any account-related fees since it\u2019s no longer a Company-sponsored HSA. Of course, you\u2019re free to transfer your HSA to another financial HSA custodian.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-12163\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse12163\" aria-controls=\"collapse12163\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Social Security<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse12163\" data-parent=\"#sp-ea-1216\" role=\"region\" aria-labelledby=\"ea-header-12163\"> <div class=\"ea-body\"><p><span class=\"green-text\"><strong>Don\u2019t forget about Social Security!<\/strong><\/span><\/p><p>Social Security is a government-sponsored program. It\u2019s an initial level and important part of your retirement income. Learn more in the <a href=\"#socialsecurity\">Social Security<\/a> section on this page.<\/p><\/div><\/div><\/div><\/div><\/div>\n<h2  id=\"socialsecurity\">\n\t\t\tSocial Security\t<\/h2>\n\t<h4><strong>A government-sponsored program<\/strong><\/h4>\n<p>Social Security is funded by the taxes paid by you and your employers. The Social Security benefits you receive are based on:<\/p>\n<ul>\n<li>Your pay throughout your career;<\/li>\n<li>The length of time you&#8217;ve worked; and<\/li>\n<li>When you elect to start drawing your benefit.<\/li>\n<\/ul>\n<p>While Social Security is an important part of your total retirement income, this benefit typically provides only a portion of your income during retirement.<\/p>\n<h4><strong>Starting Social Security benefits<\/strong><\/h4>\n<p>The soonest you can receive your Social Security retirement benefit is age 62. However, if you take your benefit before your full Social Security retirement age of 65 to 67 (your age is dependent on the year you were born), your benefit is reduced. In contrast, if you delay your payment beyond full retirement age, you may increase your benefit amount. The benefit doesn&#8217;t increase beyond age 70.<\/p>\n<p>Keep in mind, when you initiate your Social Security benefit and are age 65 or older, you&#8217;re automatically enrolled in Medicare if you&#8217;re not already enrolled.<\/p>\n<h4><strong>Learn more<\/strong><\/h4>\n<p>Visit\u00a0<a href=\"https:\/\/www.ssa.gov\/\" target=\"_blank\" rel=\"noopener\">www.ssa.gov<\/a> to calculate your Social Security retirement benefits and find your full retirement age.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<div class=\"entry-summary\">\n<div class=\"entry-summary\">\nRetirement Planning Guide Retiring is a big-and exciting-step. Regardless of where you&#8217;re&hellip;\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/snuh\/retirement-planning-guide\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Retirement Planning Guide&rdquo;<\/span>&hellip;<\/a><\/div>\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/snuh\/retirement-planning-guide\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Retirement Planning Guide&rdquo;<\/span>&hellip;<\/a><\/div>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template\/_fullwidth.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-285","page","type-page","status-publish","hentry","entry"],"acf":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/pages\/285","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/comments?post=285"}],"version-history":[{"count":55,"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/pages\/285\/revisions"}],"predecessor-version":[{"id":1877,"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/pages\/285\/revisions\/1877"}],"wp:attachment":[{"href":"https:\/\/mdlzbmr.com\/snuh\/wp-json\/wp\/v2\/media?parent=285"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}