Decide What Will Best Support You

When considering your coverage options, do so carefully

Here are some tips to help you through the decision-making process.

Remember, as a union-represented employee, your negotiated collective bargaining agreement (CBA) details the coverages for which you’re eligible. In addition, any medical, prescription drug, dental, or vision coverage for which you may be eligible is highlighted in your collective bargaining unit’s Health Care Benefits Supplement. Note that any non-health care coverages for which you may be eligible are described in separate documents or Summary Plan Descriptions (SPDs). You can find all of these posted in the Reference Center when you log in to your MyBenefits Online account.

HEALTH

Medical:

Keep in mind:

Where you get care: If eligible, your MyBenefits Online account includes details about your medical coverage. Note that it’s always most cost effective to receive care from an in-network provider. Be sure to confirm your provider’s network participation by using the provider look-up tool on MyBenefits Online―especially since network participation can change over time. It’s also good to confirm network participation directly with your provider before you receive services.
Special coverage needs: Consider the specific care you or your family members may need (for example, regular check-ups with a specialty provider). To understand how your carrier will cover your care, use their cost look-up tools on MyBenefits Online.

Dental and vision:

Keep in mind, depending on your union’s negotiated CBA:

You may have dental coverage for you and your eligible dependents under the Mondelēz Global Dental Plan (Dental Plan). If so, refer to your collective bargaining unit’s Health Care Benefits Supplement for which carrier is the administrator. Your Health Care Benefits Supplement is posted under the Reference Center in your MyBenefits Online account, and MyBenefits Online includes more detailed coverage information. If available, be sure to consider whether this coverage will best meet your dental care needs.
If you're eligible and enrolled in medical coverage through MDLZ, you may have vision coverage or vision discount programs available for you and your eligible dependents. Refer to your collective bargaining unit's Health Care Benefits Supplement and your MyBenefits Online account for more detailed coverage information.

MONEY

Your union's negotiated CBA determines whether you're eligible for the following. Here are a few key points to keep in mind:

Think through the potential tax savings of contributing to a Flexible Spending Account (FSA)—your union’s negotiated CBA may allow for you to participate in one or both FSAs: If you’re a new hire, note that any amount you may have contributed to an FSA since January 1, 2026 (prior to your employment with MDLZ ) will count toward the annual contribution limits that apply to the FSAs. If you decide to participate in an FSA, plan carefully. By law, you'll forfeit any amount for the year left in your FSA after the claims submission window ends on March 31, 2027.
Consider whether additional disability, life, and accident protection makes sense for you: Refer to your union’s negotiated CBA and understand what coverages you automatically receive from MDLZ as well as what options you have to purchase additional coverages. If you’re a new hire, you have a one-time opportunity to elect certain Optional Life and/or Supplemental Life Insurance coverage amounts without having to provide Evidence of Insurability (EOI). When you first enroll and during Annual Enrollment, be sure you review your beneficiaries and update them if needed.
Don't wait to start thinking about your financial well-being and future financial security: If your union’s negotiated CBA allows you to participate, the 401(k) Savings Plan can help you meet your goals. If you’re a new hire, automatic enrollment may apply at the time you’re first eligible, unless you actively make a different election. Log in to your account on the NetBenefits website for 401(k) Savings Plan details. Remember, you can opt out, increase, or decrease your contribution rate; and change your investment elections at any time.

Enroll during new hire or Annual Enrollment; or participate any time throughout the year:

Commuter Benefit Program: Enables you to pay for your eligible transit and parking expenses commuting to and from work—tax free.
Discount Program: Offers exclusive discounts on everyday products and services through PlumBenefits.
Child Care Discounts: Offers discounted rates for full-time, part-time, and drop-in care at a U.S. KinderCare center or Champions location.

Key points to keep in mind:

Other Programs: Don’t forget the variety of other Programs and Policies that are in place to help support The Right You. These include a Commuter Benefit Program and a Discount Program through PlumBenefits; child care discounts through KinderCare; and a Vacation Policy for much-needed time away from work to relax and refresh.
The Contact Info & Apps page includes how to access the websites for each of the above carriers/benefit vendors—where you can find additional details. For information about the Vacation Policy, see the Employee Center (this Policy can vary across MDLZ).

THE RIGHT YOU

You can participate in well-being at MDLZ so you can be your best self—The Right You. Key points to keep in mind:

Consider using the well-being tools and resources: The Right You's initiatives are designed to support all three pillars of well-being—Mind, Body, and Connection.
Lean on the support available through the Employee Assistance Program (EAP): There are a variety of support resources the EAP provides to help you balance family, work, and personal needs.

ADDITIONAL

Eligibility and coverage: To confirm your eligibility and the coverage options available to you given your union’s negotiated CBA, go to MyBenefits Online. Once you log in to your account, the Reference Center includes additional documentation that details your coverages.
Dependent verification: You’re responsible for ensuring that each dependent you enroll for coverages through MDLZ (i.e., medical and/or dental coverage) meets eligibility requirements at all times. ”The Mondelēz Global LLC Group Benefits Plan Wrap Summary Plan Description (Wrap SPD)” details dependent eligibility (you can access the Wrap SPD in the Reference Center on MyBenefits Online).
Spousal surcharge: You may pay an additional monthly surcharge if you enroll your spouse for medical coverage and they have their own coverage available elsewhere. When you log in to your MyBenefits Online account, you'll see your coverage costs as well as any additional monthly surcharge that may apply.