2010 Benefits Brochure

Benefits Overview 2010
Table of Contents
Your Comprehensive Benefits
Freddie Macs Benefits ........................................1 Eligibility..................................................................1 Domestic Partner Coverage ....................................1 Benefits Effective Dates ..........................................2 NetBenefits ..........................................................3 Freddie Macs Total Rewards ..............................4
Your Time
Time Away From Work ......................................37 Vacation Time ......................................................37 Holidays ..............................................................38 Sick Leave ...........................................................38 Family and Medical Leave ....................................39 Short-Term Disability Leave ..................................39 Adoption Leave ...................................................39 Jury Duty Leave ...................................................39 Bereavement Leave ..............................................39 Military Leave .......................................................39
Your Health
Freddie Macs Flexible Benefits ..........................7 Healthy Lifestyles ...................................................7 Your FlexDollars .....................................................7 Online Health Assessment .....................................8 Default Coverage When You First Enroll ..................9 Health Care ........................................................11 Medical Coverage.................................................11 Prescription Drug Coverage .................................15 2009 Summary of Medical Benefits .....................23 Aetnas HealthConnections ...................................23 Dental Coverage ...................................................24 Vision Coverage ..................................................25
Your Life
Work/Life ............................................................41 Home Benefit Program ........................................41 Freddie Mac Wellness Center ..............................41 Employee Assistance Program (EAP) ...................41 LifeWorks............................................................42 Back-Up Child/Elder Care ...................................42 Lactation Program ...............................................43 Adoption Expense Reimbursement Program ........43 Long-Term Care (LTC) Coverage ..........................44 Educational Assistance Program ..........................44 Transportation Benefit ..........................................45 Concierge Services ..............................................45 Fitness Center & Regional Health Club Reimbursement ................................................45
Your Money
Savings, Investment, and Retirement ...............27 Thrift/401(k) Savings Plan .....................................27 Pension Plan .......................................................28 Flexible Spending Accounts .................................28 Income Protection Benefits ...............................32 Disability Coverage ..............................................32 Short-Term Disability (STD) Coverage ...................32 Long-Term Disability (LTD) Coverage ....................32 Group Term Life (GTL) Insurance .........................33 Accidental Death & Personal Loss (AD&PL) Insurance ...........................................34 Aetnas Group Universal Life (GUL) Insurance Program .................................34 Business Travel Accident (BTA) Insurance ............35 Beneficiary Information .........................................35
In Closing
Making Changes to Your Coverage ..................47 Annual Enrollment ................................................47 Status Change ....................................................48 Appeals ..............................................................49 In Addition ..........................................................50
Your Comprehensive Benefits

Freddie Mac provides a comprehensive benefits package designed to help meet your needs both now and in the future. When you first become eligible for benefits, you may select the plans that best meet the needs of you and your family. Thereafter, you may make changes during each Annual Enrollment period. Or, if you experience a status change such as a marriage or divorce, or the birth or adoption of a child, you can make changes to some of your benefits during the year.
Freddie Macs Benefits

Eligibility
Generally, you are an eligible participant in Freddie Macs benefit plans if Freddie Mac classifies you as an active, regular, full-time or part-time employee who is regularly scheduled to work at least 20 hours per week, as defined in Corporate Policy No 3-221. In addition to yourself, you may also enroll eligible family members or a same-sex domestic partner and his or her eligible children (subject to certain requirements) in the Freddie Mac Medical, Dental, Vision, and/or Long-Term Care Plans. Eligible family members include your spouse and dependents who meet the eligibility requirements as described in the relevant Summary Plan Descriptions (SPDs) and program summaries. Certain programs may have distinct eligibility requirements, which are outlined in the relevant SPDs, program summaries, plan documents, corporate policies, or corporate procedures. You may access program information on the NetBenefits, HomeFront, and Total Rewards Web sites. If you elect medical, dental, or vision coverage for a domestic partner and his or her eligible children, you will pay the contribution cost for the domestic partners coverage on an after-tax basis, and part of its value and the value of coverage for the domestic partners children will be taxable to you as imputed income. For complete details about domestic partner eligibility requirements, coverage options, tax consequences, and participant obligations, refer to the Domestic Partner Summary, posted with other materials on the NetBenefits (on the Reference Library Tab), HomeFront, and Total Rewards Web sites. We strongly encourage you to read this information carefully before electing benefits
Domestic Partner Coverage

With the Freddie Mac medical, dental, and/or vision Plans, you may choose to cover your domestic partner an individual of the same sex, with whom you share a committed and exclusive relationship.
YOUR COMPREHENSIVE BENEFITS
for your domestic partner. To certify a domestic partner relationship and enroll a domestic partner for coverage, log on to NetBenefits at https://
First of Month Following Date of Hire

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Medical, Dental, Vision coverage Group Term Life (GTL) Insurance (Optional buy up of 2x/3x pay) Accidental Death & Personal Loss (AD&PL) Insurance Group Universal Life (GUL) Insurance Long-Term Disability (LTD) (Optional buy up of 10%) FlexDollars
netbenefits.fidelity.com. You may also enroll your domestic partner for LongTerm Care coverage directly through John Hancock. Please visit the Long-Term Care page on HomeFront at www.fhlmc.com/hr/long_term_care.htm for information on how to enroll. You will be required to certify the domestic partner relationship.
To be eligible for Medical, Dental, Vision, and/ or Long-Term Care coverage, domestic partners must certify that they are in a committed, exclusive relationship; they cannot be married; and must consider themselves life partners. They also must:
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One Month of Service

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Employee pre-tax contributions to the Thrift/401(k) Savings Plan Catch-up contributions to the Thrift/401(k) Savings Plan (for employees 50 years of age or older)
Share a primary residence Be financially interdependent Have joint responsibility for one anothers common welfare
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One Year of Service

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Thrift/401(k) matching contributions* Thrift/401(k) after-tax contributions Thrift/401(k) Basic contribution (discretionary company contribution) Pension Plan (must be 21 or older) Home Benefit Program Adoption Expense Reimbursement Program
If this relationship ends or changes so that it no longer meets Freddie Macs definition, you are required to notify the Freddie Mac Benefits Center.
Benefits Effective Dates

Your benefits will become effective on the following dates: First Day of Hire
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*First day of the month following anniversary date
Other
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Group Term Life (GTL) Insurance (Core 1x pay) Short-Term Disability (STD) Long-Term Disability (Core LTD) Business Travel Accident (BTA) Insurance Employee Assistance Program (EAP)
Health Care and Dependent Care Flexible Spending Accounts (FSAs) (effective the first day of the pay period in which your deduction begins) Health Assessment Credits (effective 2 4 pay periods after assessment is completed) Vacation** Sick leave**
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Educational Assistance Program

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Holidays
**Will begin accruing during the month of hire if hired between the 1st and 15th of the month. Will begin accruing the following month if hired between the 16th and the end of the month.
Long-Term Care (LTC) Insurance (effective the date the policy is issued) For more information on the effective dates of your benefits, please refer to the SPDs and plan summaries located on the NetBenefits, HomeFront, and Total Rewards Web sites.
Through NetBenefits, you can also make new-hire benefit elections and changes to your benefits if you experience a status change. To get to the NetBenefits site, simply click on the NetBenefits link on the Benefits page on HomeFront or the Total Rewards Web site. You will be taken automatically to the login page of NetBenefits, where you will see prompts to follow. If you would like to access NetBenefits from home, the URL address is: https://netbenefits.fidelity.com.
Note: Any benefit deductions and/or credits (if any) will be made as soon as administratively possible; no retroactive adjustments will be made.
NetBenefits
Day or night, holiday or weekend, you can view and enroll in your Freddie Mac flexible benefits and your Thrift/401(k) Savings Plan through the NetBenefits Web site. Through NetBenefits, you can access information about your medical, dental, and vision elections; review your vacation, FSAs, and life and disability insurance elections; and enroll/change your Thrift/401(k) Savings Plan investments or view your statement online. Benefits Overview Guide
This booklet provides a high-level overview of some of Freddie Macs programs, policies, and benefits. This document is not a Summary Plan Description and is not a plan document. For more detailed information, visit the NetBenefits, HomeFront, and Total Rewards Web sites.
Manishas story
Manisha, a new college graduate, recently joined Freddie Mac. Manisha has enrolled in the Aetna Health Fund Medical plan, the Dental plan, and the Vision plan at costs of $50.15, $11.74, and $2.10 per pay period, respectively, for a total of $63.99 per period. However, with Freddie Mac giving her $34.58 in FlexDollars and a $5 Health Assessment credit, the company has reduced Manishas per-pay-period cost by 62 percent; she will pay just $29.41 per pay period for full health, dental, and vision insurance.
only $29.
41
per pay
period
Freddie Macs Total Rewards

Our Total Rewards Web site provides a comprehensive overview of your personalized compensation and benefits information. To access your total rewards, go to the Total Rewards Web site at www.freddierewards.com, where youll find information on your pay, health coverage, vacation, life insurance, retirement, and many other benefit programs. These programs, plus your actual pay, constitute your Total Rewards. On the Total Rewards site, you will be able to see both Freddie Macs and your contributions to the following:
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Accidental Death & Personal Loss (AD&PL) Insurance Group Universal Life (GUL) Insurance Short-Term Disability (STD) Long-Term Disability (LTD) Thrift/401(k) contributions and match Basic Contribution (under the Thrift/401(k) Savings Plan) Pension Plan information Educational Assistance Adoption Assistance Relocation Program Corporate Bonus Program Federal Unemployment Insurance FICA
FlexDollars
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Medical coverage
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Dental coverage
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Vision coverage
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Group Term Life (GTL) Insurance
Valuable Online Tool

Freddie Macs Total Rewards gives you comprehensive information about your personalized compensation and benefits and links to additional sites to process benefit changes.
From the Total Rewards site, you can link to additional sites to process benefit changes. For example, if you would like to change your 401(k) investments, or if you would like to add a newly eligible dependent to your benefits, simply click on the NetBenefits link to make the necessary changes. In addition, you have access to health care providers and all the benefit plan summaries and forms. You can access the Total Rewards site 24 hours a day, seven days a week. All you need is your username and password. Your username (your employee ID number) and password will be mailed to you at your home address approximately 10 weeks after your date of hire. If you have any questions regarding the Total Rewards site, please contact the Freddie Mac
Benefits & Payroll Information Line at (703) 9185555, Monday through Friday, between 8:45 a.m. and 5:15 p.m. ET, or send an e-mail to benefits@ freddiemac.com.
Group Universal Life Insurance

Aetnas Group Universal Life (GUL) Program offers you and/ or your spouse the option to purchase additional term life insurance protection at after-tax group rates with a Cash Accumulation Fund that earns tax-deferred interest. You and/or your spouse have access to the CAF through loans and withdrawals.
Your Health
Freddie Mac gives eligible employees $34.58 in FlexDollars per pay period to offset health care costs. Thats more than $800 per year. You can get an additional $5 per pay period if you complete an online Health Assessment, raising to $949.92 the total amount given to defray health care-related costs! The company may provide additional FlexDollars to employees with salaries less than $50,000.
Freddie Macs Flexible Benefits

Healthy Lifestyles
Many of the benefits outlined in this booklet are offered through Freddie Macs flexible benefits plan. With flexible benefits, you choose the benefits that best meet the needs of you and your family. Heres how it works:
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Your FlexDollars
Generally, all eligible full-time employees will receive $34.58 per pay period to offset the costs of medical, dental, and vision coverage. Coverage costs per pay period break down as follows:
You choose from a menu of benefit options to design your personalized benefits program. You pay for coverage, with help from FlexDollars that Freddie Mac provides. You pay for the cost of your coverage on a pre-tax and/or after-tax basis, using convenient payroll deductions. You may then periodically update your benefits as your needs change, during Annual Enrollment or if you experience a status change.
Coverage
Medical Dental Vision
Cost Per Pay Period

$27.08 $6.25 $1.25
FlexDollars are payable to you as taxable income in equal installments each pay period as long as you are an eligible Freddie Mac employee, to offset the cost of your insurance premiums.
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Y O U R H E A LT H
You will also receive FlexDollars to purchase Group Term Life (GTL) Insurance coverage for three times your salary and to purchase Accidental Death & Personal Loss (AD&PL) Insurance for four times your salary. FlexDollars for vacation are determined based on your years of service or by your mid-career hire status, and your annualized salary as of Aug. 31 each year. The total amount of FlexDollars you receive is based on your age, years of service, salary, and number of hours you are scheduled to work each week. If your annual salary is $50,000 or less, Freddie Mac will provide additional FlexDollars per pay period to make your benefits more affordable.
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Note: If a compensation increase brings your salary to more than $50,000 during the course of the year, the additional FlexDollars will be discontinued. If you elect more pre-tax options than your FlexDollars will buy, you authorize Freddie Mac to deduct money from your pay on a pre-tax and/ or after-tax basis to pay for them. Any unused FlexDollars become taxable income and will be paid to you throughout the year, each pay period, as long as you are an eligible Freddie Mac employee. There are 24 pay periods in a full calendar year. If you are a part-time employee (scheduled to work 20 to 31 hours per week), your FlexDollars will be prorated based on the hours you are regularly scheduled to work. Online Health Assessment Freddie Mac is pleased to offer an online Health Assessment, available through your Medical plan provider. Both Aetna and Kaiser Medical plan participants can use the Health Assessment.
$25.00 per pay period (a total of $600 per year) if your annual salary is less than $35,000. $20.00 per pay period (a total of $480 per year) if your annual salary is $35,000 to $50,000.
Each year during Annual Enrollment, your enrollment summary on NetBenefits reflects the FlexDollars you are eligible to receive for the following year.
Johns savings =
FlexDollars will appear as a lump sum on your paycheck and are used to offset the cost of your pre-tax benefits. Any unused FlexDollars will be applied to your income.
$33.
73
For example: John receives $48.60 per pay period in FlexDollars. His benefit elections total $82.33 per pay period. Johns FlexDollars offset $48.60 of the cost and John is responsible for the remaining $33.73.
Medical FlexDollars Dental FlexDollars Vision FlexDollars Group Term Life AD&PL Total FlexDollars
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$27.08 $ 6.25 $ 1.25 $ 9.60 $ 4.00 $48.60
Medical Dental Vision Group Term Life Total Benefit Cost Less FlexDollars Pre-Tax Benefits Cost
$62.19 $ 11.74 $ 2.10 $ 6.30 $82.33 ($48.60) $33.73
Y O U R H E A LT H
If you complete the online Health Assessment each year, you will receive a $5 per-pay-period credit toward the cost of your Medical plan coverage. If your covered spouse or domestic partner also completes the Health Assessment, Freddie Mac will provide an additional $5 per-pay-period credit. The credits will be applied approximately 2-4 pay periods following the completion of the Health Assessment. How It Works The Health Assessment is designed to assist in your efforts to better manage your health. This online tool prompts you to provide information to assess your current health status, identify any risk factors you may have for specific conditions, and improve your health by starting to make informed decisions about lifestyle adjustments. The assessment covers:
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www.kp.org if you elect to participate in the Kaiser HMO. Once you log in, click the Member link, visit the Healthy Living section, then click on Healthy Lifestyle programs.
Note: The Health Assessment will be available approximately two weeks after you enroll in your Freddie Mac Medical Plan.
Your Privacy is Protected

Rest assured that when you take the Health Assessment, your Medical plan provider will disclose no personal health information that can be used to identify you or your dependents to Freddie Mac. Your Medical plan provider may send aggregated personal health information to third-party vendors, who will use it to provide reports and services to Freddie Mac for its use in evaluating the effectiveness of its health care programs.
Current health conditions and family history Lifestyle factors such as tobacco use, alcohol consumption, exercise, and stress levels Lab values such as cholesterol and blood glucose levels Use of health care resources, including doctor visits, prescriptions, and hospitalization
After you complete the Health Assessment, you will receive a personalized report of your health risks and guidelines. Based on your results, you may also be contacted by your Medical plan provider about tools and resources that can help you manage the health risks identified in your assessment. How You Can Complete Your Health Assessment You may access the Health Assessment through your Medical plan vendors secure member Web site at:
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www.aetna.com if you elect to participate in an Aetna Medical plan. Once you log in, click the Simple Steps link.
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Y O U R H E A LT H
Default Coverage When You First Enroll If you do not elect Freddie Macs flexible benefits by the end of your enrollment window when you first become eligible, you will automatically be deemed to have elected default coverage (see chart on page 10). As with any other benefit election, default coverage remains in effect for the full plan year (Jan. 1 through Dec. 31) unless you
experience a status change. With default coverage, you authorize Freddie Mac to deduct money from your pay, to pay for these benefits as necessary. If you have any questions about default coverage, log on to NetBenefits. If you prefer to speak with a representative, call the Freddie Mac Benefits Center at (800) 431-2363.
Benefit
Medical coverage* Dental coverage Vision coverage Group Term Life Insurance Accidental Death & Personal Loss Insurance Long-Term Disability Health Care and Dependent Care Flexible Spending Accounts Group Universal Life Insurance
Default Coverage
Aetna Choice POS II Family coverage** No coverage No coverage One times base salary coverage No coverage 60% coverage No participation No coverage
*If you were assigned default Medical coverage, you may change to Participant Plus One or Participant Only coverage (only if you do not have dependents). You may make this change at any time by calling the Freddie Mac Benefits Center at (800) 431-2363. No retroactive changes to your contributions will be made. Changes may not be made to any other default elections. ** You will be defaulted to the Aetna Out-of-Area plan if you live outside the Choice POS II network area.
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Health Care
For most people, access to comprehensive, affordable health care is a top benefits priority. Thats why Freddie Mac offers a choice of Medical options, as well as Dental and Vision coverage. With each option, you may choose from three levels of coverage:
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Medical Coverage
With Freddie Macs flexible benefits program, you have several medical options to choose from:
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Aetna HealthFund Consumer-Driven Health Plan (CDHP) Aetna Choice POS II and Aetna Choice POS II Plus Aetna Out-of-Area Plan Aetna Select Kaiser HMO
Participant Only Participant Plus One Participant Plus Family
You may elect a different coverage level for medical, dental, and vision coverage, based on your personal needs. For example, you may elect the Participant Only coverage level for medical and elect the Participant Plus One coverage level for dental.
Preventive care services received within the Aetna and Kaiser networks will be covered at 100 percent, with no copayment required.
Medical Plan Options

For a comparison of important features of Freddie Macs Medical plan options, refer to the Summary of Medical Benefits Chart included in this brochure.
If you live in this area

Any area of the United States
You may choose from these options

Aetna Choice POS II Aetna Choice POS II Plus Aetna HealthFund CDHP Open Access Aetna Select Aetna Out-of-Area Plan1 Aetna Choice POS II Aetna Choice POS II Plus Aetna HealthFund CDHP Open Access Aetna Select Kaiser HMO Aetna Out-of-Area Plan1
Mid-Atlantic area
This plan is available only to employees who live outside the Aetna Choice POS II network area.
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Y O U R H E A LT H
The following information describes how each Summary Plan Descriptions

For more information on medical, dental, or vision coverage, refer to the Summary Plan Descriptions located on the NetBenefits, HomeFront, or Total Rewards Web sites.
Medical plan option works: Aetna HealthFund CDHP The Aetna HealthFund is a Consumer-Driven Health Plan (CDHP) that gives you more flexibility in how you spend or save your health care dollars. Here is a snapshot of how the plan works:
Examples of preventive care services include:

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Nationally recommended preventive care services are covered at 100 percent in-network and are not subject to the plans deductible. For non-preventive care expenses, the plan features a Health Reimbursement Account (HRA). This is a recordkeeping account Freddie Mac establishes on your behalf. Each year, Freddie Mac credits a specific amount to your account to cover the cost of eligible medical expenses. Unused funds roll over from year to year, as long as you remain in the Aetna HealthFund. For non-preventive care services, you pay the actual cost of care at Aetnas negotiated rates no copays until you satisfy the annual deductible. The actual cost will vary depending on whether you receive care in-network or out-ofnetwork. You use your HRA funds to help cover these out-of-pocket expenses. If you exhaust your fund benefit and satisfy the plans deductible for the year, your eligible medical
Routine physical exams Well-woman exams, including pap smears and screening mammograms
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Routine, age-based immunizations Prostate cancer screenings and PSA (Prostate Specific Antigen) tests
For a full list of preventive care guidelines, visit www.ahrq.gov/clinic/prevenix.htm. All Freddie Mac Medical plan options cover doctor visits, hospitalization, surgery, and emergency care, subject to limitations as outlined in the Medical Plan SPD. The options differ in terms of how care is delivered; how much you contribute to the cost of coverage; how much you pay when you receive care; types of care covered; and how claims are filed. You make the choice about the option thats right for you.
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HRA
Company funds to help you pay for eligible medical and prescription drug expenses Unused funds roll over from year to year
Annual Deductible
Amount that needs to be satisfied before traditional health coverage begins Preventive care not subject to the deductible
Health Coverage
Protects you from high costs
Preventive Care
Eligible preventive care from in-network providers covered at 100%
Coinsurance similar to traditional medical plans Out-of-pocket maximums for added peace of mind
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Y O U R H E A LT H
expenses are covered under the plans traditional health coverage. Generally, the plan pays 80 percent of in-network costs and 60 percent of reasonable and customary (R&C) charges for out-of-network care.
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Is the Aetna HealthFund CDHP Right for You? Does the HealthFund CDHP offer the same coverage at a better value? Ask yourself the following:
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What type of health care user am I? If you use health care primarily for preventive, wellness, and routine health check-ups, you will generally pay less out-of-pocket under the CDHP. If your health care needs go beyond routine types of care and services, you may pay more out-of-pocket under the CDHP than you would under a POS or HMO option.
If you reach the plans out-of-pocket maximum, the CDHP pays 100 percent of covered costs for the remainder of the year. Out-of-network costs are reimbursed according to Aetnas R&C charges.
The chart below provides a high-level overview of how the Aetna HealthFund CDHP works. See the following sample questions and answers for more information.
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Do I prefer to pay the larger portion of my health care expenses through contributions or when I receive care? There is no right
What Freddie Mac Pays Health Reimbursement Account (HRA)

All initial medical and prescription drug expenses are paid first by the HRA. (In-network preventive care is covered at 100% and does not impact the annual HRA balance.)
What You Pay Your Portion of the Annual Deductible

Once you have exhausted your HRA funds for the year, you must pay the portion of the annual deductible for which you are responsible before benefits are paid under the plan.
You Meet the Annual Deductible HRA + Your Responsibility
What Freddie Mac and You Pay Health Coverage

Once you satisfy the deductible, your underlying health coverage pays a percentage of your eligible medical and prescription drug expenses for the year (shown below), until you meet the out-ofpocket maximum.
What Freddie Mac and You Pay Out-of-Pocket Maximums

If you meet your out-of-pocket maximum for the year (your coinsurance maximum, shown below, plus your portion of the annual deductible), the plan will pay 100% of your eligible expenses for the rest of that year.
HRA contributions: $1,000 Participant Only $1,750 Participant + 1 $2,500 Participant + Family + Any remaining balance from your 2007 HRA (if applicable)
Your portion of the Annual Deductible: $750 Participant Only $1,375 Participant +1 $2,000 Participant + Family
$1,750 Participant Only $3,125 Participant + 1 $4,500 Participant + Family
In-network: Plan pays 80%; you pay 20% Out-of-network: Plan pays 60% of R&C costs; you pay 40% of R&C costs
Coinsurance maximums In-network: $2,000 Participant Only $3,000 Participant + 1 $4,000 Participant + Family Out-of-network: $4,000 Participant Only $6,000 Participant + 1 $8,000 Participant + Family
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Y O U R H E A LT H
answer. You will need to consider that you will pay significantly lower contributions with the CDHP, but may also be responsible for paying more out-ofpocket when you receive care. On the other hand, your contributions for the POS and HMO options will be higher than contributions for the CDHP, but you may pay less when you receive care.
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you choose your own health care providers and share your medical costs with the plan through coinsurance after you meet the annual deductible. For additional information about the Out-ofArea Plan, see the Summary of Medical Benefits beginning on page 17, or refer to the Medical plan SPD. Open Access Aetna Select Plan The Open Access Aetna Select Plan option requires that you receive services from physicians and facilities in the Open Access Select network. With the Open Access Select Plan, you wont need to designate a primary care physician (PCP) and obtain written referrals. For additional information about these options, please refer to the Summary of Medical Benefits beginning on page 17, or refer to the Medical plan SPD. Kaiser Mid-Atlantic HMO The Kaiser plan pays benefits only for care coordinated by your PCP and provided through your plans network (except in an emergency). Generally, you pay a flat copay when you receive care for most covered services. If you elect to enroll in an HMO, make sure to elect your PCP. For additional information about these options,
Do I want to use a Health Reimbursement Account (HRA) to manage my health care dollars? If you enroll in the CDHP, Freddie Mac will add to your HRA balance each year, which helps you meet the annual deductible. Unused HRA funds roll over from year to year, as long as you remain enrolled in the CDHP.
For additional information about the Aetna HealthFund CDHP, please refer to the Medical Plan SPD. Aetna Choice POS II Plans Freddie Mac offers two Point-of-Service II (POS II) Plan options through Aetna. Both options give you the freedom to choose your own health care providers. While you are not required to use providers within Aetnas network, you will receive the highest level of benefit coverage when you obtain care from an in-network provider. See the Summary of Medical Benefits beginning on page 17 for more information about deductibles, copays and coinsurance amounts. For additional information about these options, please refer to the Medical Plan SPD. Aetna Out-of-Area Plan The Aetna Out-of-Area (OOA) Plan is available only to Freddie Mac employees who live in an area not covered under the Aetna network. The plan generally works like the Aetna Choice POS II plans, except there is no network of preferred providers
please refer to the Summary of Medical Benefits beginning on page 17, or refer to the Medical plan SPD. Freddie Macs Healthy Lifestyles: Get the Most from Your Health Care
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Get healthy. Do everything you can to live a healthy, productive life: manage your weight, make smart nutrition choices, get plenty of
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Generic
Retail $10 copay
Brand-Name Formulary
30% coinsurance ($30 minimum/$60 maximum) 30% coinsurance ($60 minimum/$120 maximum)
Brand-Name Non-Formulary
50% coinsurance ($50 minimum/$100 maximum) 50% coinsurance ($100 minimum/$200 maximum)
Mail-Order
$20 copay
exercise and rest, manage stress, and visit your doctor for physicals and screenings. Its easier said than done, but making small adjustments can make a real difference in your overall health status.
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Prescription Drug Coverage

The information below pertains to all the Aetna Medical plans except the Aetna HealthFund CDHP. Brand-Name Prescription Drugs Subject to Coinsurance If your doctor prescribes a brand-name drug, you will pay a percentage (coinsurance) of the actual drug cost (at Aetnas negotiated rates), subject to a minimum and a maximum cost. For generic drugs, you will pay a flat copay. The chart above outlines the copays for generic drugs and the coinsurance amounts and minimum/ maximum payments for brand-name drugs.
Become an informed health care consumer. Learn about the various Medical plan options and how they work to help you make smart health care decisions for yourself and your family. Get help when you need it. Whether youre managing a chronic health condition, expecting a new baby, or just want more information about getting and staying healthy, take advantage of the resources available to you through your health care plans.
Online Pharmacy Tools and Resources

When you enroll in an Aetna Medical plan, you will have access to www.aetnapharmacy.com. Through this Web site, you have access to tools and resources to help you make the most of your prescription drug coverage. Learn about: n Possible prescription drug side effects n Potential generic substitutes for brand-name drugs n Money-saving tips and frequently asked questions n Drug safety, including harmful drug interactions
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Determining Your Share of the Cost for Brand-Name Drugs

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Aetnas Save a CopaySM Program You will save money if you choose to take an approved generic drug over a brand-name alternative to treat specific conditions such as heartburn, depression, allergies, and high cholesterol. Aetna will notify you if you take a brand-name drug with an approved generic alternative. You should talk to your health care provider about switching to the generic drug. If you choose the approved generic drug, you wont pay any copays for the first six months you use the generic drug. After the initial six-month period, you can continue to save by paying the applicable generic copay instead of the coinsurance rate for the brand-name alternative.
Go to www.aetna.com Enter: Username and password
If you forgot your username and password, follow the prompts

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Click on Pharmacy Benefits under Related Shortcuts Click on Prescription Drug Cost Enter the name of the drug you wish to price Enter the dosage Your estimated out-of-pocket cost is calculated based on the applicable coinsurance, and it will appear on your screen
Mail-Order Program
Whether you enroll in one of the Aetna Medical plans or the Kaiser HMO plan, you can offset some of the costs of your prescription drugs using the mail-order program. Using mail-order is easy and convenient, and it saves you money. In addition, your prescription order comes right to your home.
For the Kaiser HMO Plan your prescription drug copays reference the chart below.
Kaiser Copays
Mail-Order* (Up to 90-day supply)
Generic drugs Brand-Name Formulary Brand-Name Non-Formulary *Maintenance medications only $13 $23 $38
Retail Pharmacy (Up to 60-day supply)

$20 $45 $60
Kaiser Pharmacy
$15 $25 $40
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Important Note! All percentages shown on the following charts are amounts paid by the Freddie Mac Medical Plan unless otherwise noted.
2010 Summary of Medical Benefits All Regions

Aetna HealthFund InNetwork Member Services Out-ofNetwork Aetna Choice POS II InNetwork Out-ofNetwork Aetna Choice POS II Plus InNetwork Out-ofNetwork Aetna OOA (888) 2386293 Aetna Select (888) 8512386 Kaiser HMO (301) 4686000 (800) 7777902 HRA (Health Reimbursement Account)3 Individual 2-person Family Deductible Individual 2-person Family $1,7504 $3,1254 $4,5004 $8001 $1,6001 $1,6001 $1,6001 $3,2001 $3,2001 $4001 $8001 $8001 $8001 $1,6001 $1,6001 $400 $800 $800 na na na $1,000 $1,750 $2,500 na na na na na na na na na na na na na na na
(888) 238-6293
(888) 238-6293
(888) 238-6293
Annual Out-of-Pocket Maximum Individual 2-person Family Coinsurance % Plan Pays Office Visits Primary/Specialist $2,0005 $3,0005 $4,0005 80% $4,0005 $6,0005 $8,0005 60%2 $3,000 $6,000 $6,000 70% $6,000 $12,000 $12,000 50%2 $2,000 $4,000 $4,000 80% $4,000 $8,000 $8,000 60%2 $2,000 $4,000 $4,000 70%2 $1,500 $3,000 $3,000 90% after copay $25/$35 copay $25/$35 copay $1,500 $3,000 $3,000
100% in HRA 0% in deductible 80% coinsurance
$30/$40 copay
50%
$25/$35 copay
60%
70%
Routine Preventive Medical Services

1. 2. 3.
100%6
100%
50%
100%
60%
70%
100%
100%
The deductible applies to all services with the exception of in-network office visits and 100 percent benefits. Reasonable and customary limits apply to out-of-network services and the Out-of-Area option. HRA is provided by Freddie Mac and is used to pay the cost of any covered medical expenses. There are no participant contributions to the HRA. The participant pays after the HRA is used. The HRA fund offsets the deductible. Once the deductible is met, the medical plan provides coverage and the HRA pays the participants responsibility until the out-of-pocket maximum has been reached or the HRA has been exhausted, whichever comes first. The HRA will be applied towards meeting your deductible for the Aetna HealthFund. Maximum out-of-pocket amount at coinsurance level. Does not include the deductible. Note: after reaching the coinsurance maximum, the plan pays 100 percent of reasonable and customary charges for covered services for the remainder of the plan year. Does not apply toward deductible or out-of-pocket maximum. The cost of preventive care services is covered at 100 percent subject to national standards.
4. 5. 6.
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Y O U R H E A LT H

Aetna HealthFund InNetwork Routine Allergy and all related services 100% in HRA 0% in deductible 80% coinsurance Out-ofNetwork 100% in HRA 0% in deductible 60% coinsurance Aetna Choice POS II InNetwork 100% after $30/$40 copay Copay depends on type of provider Out-ofNetwork 50% Aetna Choice POS II Plus InNetwork 100% after $25/$35 copay Copay depends on type of provider Out-ofNetwork 60% Aetna OOA 70% Aetna Select 100% after $25/$35 copay For injections, allergy testing, and serum preparation Copay depends on type of provider Inpatient Hospital and all related services 100% in HRA 0% in deductible 80% coinsurance Outpatient Hospital and all related services 100% in HRA 0% in deductible 80% coinsurance Lab & X-rays 100% in HRA 0% in deductible 100% coinsurance Short-term Rehabilitation 100% in HRA 0% in deductible 80% coinsurance 100% in HRA 0% in deductible 60% coinsurance 70% 50% 80% 60% 70% $35 copay if approved; limited to 60 visits per calendar year 90% after $25 copay For inpatient treatment; limited to 2 months For outpatient rehabilitation; limited to 90 days
The deductible applies to all services with the exception of in-network office visits and 100 percent benefits.
Kaiser HMO 100% after $25/$35 copay For injections and allergy testing Copay depends on type of provider
100% in HRA 0% in deductible 60% coinsurance 100% in HRA 0% in deductible 60% coinsurance
70%
50% Additional hospital deductible of $150 per admission
80%
60% Additional hospital deductible of $150 per admission
70%
90% after $100 copay per admission
90% after $100 copay per admission
70%
50%
80%
60%
70%
90%
90% after $25 copay
70%
50%
100%
60%
70%
$35
100%
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Y O U R H E A LT H

Aetna HealthFund InNetwork Emergency Room and all related services 100% in HRA, 0% in deductible 80% coinsurance Out-ofNetwork 100% in HRA 0% in deductible 60% coinsurance Benefit paid at 60% for emergency room care for nonemergencies and coinsurance not applied to out-ofpocket maximum Not covered for nonemergency use of emergency room 70% $50 copay per visit $25 copay at Kaiser Permanente Medical Center Aetna Choice POS II InNetwork 70% Out-ofNetwork Aetna Choice POS II Plus InNetwork 80% Out-ofNetwork Aetna OOA 70% Aetna Select $50 copay per visit waived if admitted Kaiser HMO $50 copay per visit waived if admitted
Benefit paid at 60% for emergency room care for non-emergencies and coinsurance not applied to out-of-pocket maximum
Urgent Care Services
70%
80%
Benefit paid at 60% for urgent care facility use for non-urgent care and coinsurance not applied to out-of-pocket maximum
Benefit paid at 60% for urgent care facility use for non-urgent care and coinsurance not applied to out-ofpocket maximum
Not covered for non-urgent use of urgent care facility 70% See plan specific enrollment materials
Infertility
70%
50%
80%
60%
Maximum lifetime benefit $10,000; $2,500 annual maximum for fertility drugs Durable Medical Equipment 100% in HRA 0% in deductible 80% coinsurance 100% in HRA 0% in deductible 60% coinsurance
Maximum lifetime benefit $10,000; $2,500 annual maximum for fertility drugs
70%
50%
80%
60%
70%
100% of charges if approved by plan
100% No Annual Maximum
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Y O U R H E A LT H

Aetna HealthFund InNetwork Inpatient Hospice Care 100% in HRA 0% in deductible 80% coinsurance Out-ofNetwork 100% in HRA 0% in deductible 60% coinsurance Lifetime maximum of 180 days Aetna Choice POS II InNetwork 70% Out-ofNetwork 50% Aetna Choice POS II Plus InNetwork 80% Out-ofNetwork 60% Aetna OOA 70% Aetna Select 90% after $100 copay per admission if approved by plan Kaiser HMO 90% if approved by plan
Unlimited
30-day lifetime maximum 70% $35 copay if approved by plan 90%
Home Health Care
70%
50%
80%
60%
Limited to 120 visits per calendar year Skilled Nursing Facility 100% in HRA 0% in deductible 80% coinsurance 100% in HRA 0% in deductible 60% coinsurance 70% 50% 80% 60% 70% 90% after $100 copay per admission if approved by plan 90% after $100 copay per admission Limited to 100 days per calendar year
Limited to 120 days per calendar year Inpatient Mental Health Treatment Facility and related services 100% in HRA 0% in deductible 80% coinsurance 100% in HRA 0% in deductible 60% coinsurance 70% 50% 80% 60% 70% 90% after $100 copay per admission 90% after $100 copay per admission For medically necessary admissions No Limit
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Y O U R H E A LT H

Aetna HealthFund InNetwork Inpatient Substance Abuse Treatment Facility and related services 100% in HRA 0% in deductible 80% coinsurance Out-ofNetwork 100% in HRA 0% in deductible 60% coinsurance No Limit Outpatient Mental Health and Substance Abuse Treatment Facility and related services 100% in HRA 0% in deductible 80% coinsurance 100% in HRA 0% in deductible 60% coinsurance No Limit Prescription Drugs 100% in HRA 0% in deductible 80% coinsurance (innetwork) Important Note: No coverage at non-participating pharmacies. Participating pharmacies: (30-day supply) Generic: $10 copay Brand Formulary: You pay 30%, $30 minimum/$60 maximum Brand Non-Formulary: You pay 50%, $50 minimum/$100 maximum Important Note: No coverage available at non-participating pharmacies At Kaiser: $15 Generic $25 Brand Name Formulary $40 Brand Name NonFormulary At Participating Pharmacy: $20 generic $45 Brand Name Formulary $60 Brand Name NonFormulary
Aetna Choice POS II InNetwork 70% Out-ofNetwork 50%
Aetna Choice POS II Plus InNetwork 80% Out-ofNetwork 60% Aetna OOA 70% Aetna Select 90% after $100 copay per admission Kaiser HMO 90% after $100 copay per admission
$40 copay
50%
$35 copay
60%
70%
$35 copay
$25 copay per visit
No Limit If medically necessary
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Y O U R H E A LT H

Aetna HealthFund InNetwork Mail-Order Drugs Out-ofNetwork Aetna Choice POS II InNetwork Out-ofNetwork Aetna Choice POS II Plus InNetwork Out-ofNetwork Aetna OOA Aetna Select Kaiser HMO $13 Generic $23 Brand Name Formulary $38 Brand Name NonFormulary 60-day supply, 90day supply for maintenance medications Diabetic Supplies 100% in HRA 0% in deductible 80% coinsurance (in-network) Important Note: No coverage at non-participating pharmacies Participating Pharmacies Covered Includes needles, syringes, test strips, lancets and alcohol swabs. Important Note: No coverage at non-participating pharmacies. 80% For needles and syringes at Kaiser pharmacy 80% Through mail order for chemstrips, insulin, and diabetic supplies
100% in HRA 0% in deductible 80% coinsurance (in-network) Important Note: No coverage at non-participating pharmacies
Aetna Rx Home Delivery (866) 612-3862 (90-day supply) Generic: $20 copay Brand Formulary: You pay 30%, $60 minimum/$120 maximum Brand Non-Formulary: You pay 50%, $100 minimum/$200 maximum Important Note: No coverage available at non-participating pharmacies
Medical Plan Summary Plan Description

See the Medical Plan Summary Plan Description (SPD) for definitions and limitations. Every attempt has been made to ensure that this chart accurately reflects the provisions of the Federal Home Loan Mortgage Corporation Health Care Plan (of which the Medical Plan is a part). However, if the information in this chart differs from the provisions of the Health Care Plan, the Health Care Plan provisions will control. Contact your plans member services with any specific questions.
22
Y O U R H E A LT H
Aetnas HealthConnections Programs

Freddie Mac encourages you to live well and wants to help you save money. Thats why were offering valuable incentives for participation in Aetnas Online Wellness and Disease Management programs. Disease Management The disease management program proactively identifies members who live with, or who are at risk for, established conditions such as:
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to participate can simply advise Aetna, and Aetna will cease sending information. If you participate in the Aetna HealthFund, Aetna Choice POS II, Aetna Choice POS II Plus, Aetna Select, or Aetna Out-ofArea options, the program is available to you and your dependents 18 and older. If you or your eligible dependents participate in the program, an incentive credit of $100 will be applied towards out-of-pocket expenses (deductible, coinsurance or HRA fund) for the plan year. Participation includes having a telephone assessment with a nurse or clinical professional and enrolling in the program at the Nurse Engagement level. A program participant will be limited to one incentive credit per plan year (including those participants who receive counseling for more than one condition).
Vascular Congestive heart failure, diabetes, coronary artery disease, hypertension, peripheral artery disease, cerebrovascular disease/stroke Pulmonary Asthma, chronic obstructive pulmonary disease Orthopedic Osteoporosis, rheumatoid arthritis Oncology Breast cancer, lung cancer, lymphoma/leukemia, prostate cancer, colorectal cancer Gastrointestinal Gastro esophageal reflux disease, peptic ulcer disease, Crohns disease, ulcerative colitis, chronic hepatitis Neurological Geriatrics, migraines, seizure disorders, Parkinsons
Aetna Online Wellness Programs

The Aetna Online Wellness programs are designed to help you work toward your health goals at your own pace, with your personal needs and lifestyle in mind. There are six interactive programs available:
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Balance (weight management and physical activity)
Others Hypercoagulable state, chronic kidney disease, sickle cell disease, cystic fibrosis, end-stage renal disease, HIV, low back pain
Nourish (nutrition and diet) Relax (stress management) Breathe (smoking cessation) Overcoming Insomnia Overcoming Depression
Through the program, Aetna contacts each participant potentially at risk for any of these conditions and his/her provider on a confidential and voluntary basis, to help proactively manage health. Participants will receive informative, confidential mailings at their home, outlining the parameters of the program. The program allows members to work together with physicians in order to prevent, reduce, or slow the development of disease complications. This program is not mandatory and is completely confidential, so individuals not wishing
n n
The Online Wellness programs are available to you and your covered spouse/domestic partner. Covered persons must first complete the Health Assessment to participate. After you complete your Health Assessment, you will receive an e-mail inviting you to participate in a program that aligns with your health
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Y O U R H E A LT H
needs and objectives. Or, you can start a Wellness program by visiting www.aetna.com, clicking on Simple Steps to a Healthier Life then clicking on the View My HealthMedia Programs button. Each Online Wellness program offers valuable tips and support, including online libraries, newsletters and tools to help you set goals and track progress. When you begin a Wellness program, you will have up to 240 days to complete it, working at your own pace. You will be invited to complete program evaluations at the 30-day, 90-day and 180-day milestones. The Aetna Online Wellness programs are available to eligible Aetna plan members at no cost. Once you (or your eligible family member) complete the 30-day program evaluation, an incentive credit of $25 may be applied towards out-of-pocket medical expenses (deductible, coinsurance, or HRA fund). The credit will not be applied to out-of-pocket prescription drug expenses. Incentive credits for you and your family members combined will be limited to two per year for a total of $50.
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Aetna Navigator
If you decide to enroll in one of the Aetna Medical plans, you will have access to the tools and resources through the Aetna Navigator Web site at www.aetna.com. For example, youll be able to use the DocFind tool to look up the rates for many participating physicians:
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Select Provider Detail and click on View Rates for Aetna Members. You will find the actual rates doctors have agreed to receive from Aetna as reimbursement for many widely used services (e.g., office visits, medical tests and procedures). You can determine your out-of-pocket cost for the service by applying your deductible, copay and/or coinsurance.
Once youre enrolled, be sure to register with Aetna Navigator and use the tools available to you to make the most of your medical coverage.
Vision Coverage
The Vision Plan, administered by UnitedHealthcare Vision, provides coverage for annual eye exams and includes specific dollar allowances for frames, lenses, and contact lenses. Some materials are covered in full; for others, you will pay the difference between the allowance and the total cost. You have the option of
using in-network or out-of-network providers, but you pay more if you use providers outside the network. For detailed information about the Vision Plan, please see the Vision Plan Summary Plan Description (SPD), posted on the NetBenefits, HomeFront, and Total Rewards Web sites.
Service
Annual eye exam Lenses and frames Free
Participating Provider
Non-Participating Provider
$40 benefit $65 benefit
$20 copays on standard stock $50 wholesale allowance (private-practice providers) $130 retail allowance (retail chain providers) $20 copays on standard $105 allowance on non-standard
Contacts (in lieu of glasses and frames)
$105 benefit (includes exam, fitting, and follow-up)
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Y O U R H E A LT H
Dental Coverage
Regular dental care is an important part of your overall health. Thats why Freddie Mac offers dental coverage for you and your eligible dependents. Our Plan provides coverage for a wide variety of dental services, including:
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For detailed information on the Dental Plan, including limitations and exclusions, please see the Dental Plan SPD, posted on the NetBenefits, HomeFront, and Total Rewards Web sites.
Preventive care including routine exams, X-rays and cleanings Basic care including fillings Major care including crowns, bridgework, and dentures Orthodontia for children only
Are you considering enrolling in the Health Care Spending Account to help pay for orthodontia costs?
If so, please reference Aetnas Orthodontia Claim Reimbursement Guidelines on HomeFront for helpful information.
The Dental Plan is a Preferred Provider Organization (PPO) plan administered by Aetna. You may see any licensed provider you choose, but your benefits are greater when you use a dentist within the Aetna network.
Covered Service
Annual Deductible* Preventive care** (exams, cleanings) Basic Care** (fillings, extractions) Major Care** (crowns, bridges) Orthodontia (for covered dependent children) Calendar Year Maximum (not including orthodontia) Lifetime Orthodontia Maximum $100 100% (no deductible) 80% 50% 50% (no deductible) $1,500 $1,500
Aetna Dental PPO
*Does not apply to preventive care or orthodontia **Reasonable and Customary (R&C) charges apply
25
Your Money
Your benefits are a significant complement to your base compensation. Freddie Mac is proud to offer a variety of ways to help you save and invest your money; plan for your retirement; and provide insurance protection. Today, fewer employers offer a 100-percent company-funded pension plan in addition to a 401(k) plan. We do. Did you know that in the prime of your life youre more likely to become disabled and need income protection insurance than you are to die and need life insurance? We fund disability coverage for you and give you the opportunity to purchase extra. You work hard to earn your living. We want you to know were working hard to help you preserve and grow your financial resources.
26
Savings, Investment, and Retirement

Freddie Mac is committed to offering plans that provide valuable benefits for our employees. These include high-quality plans such as the Thrift/401(k) Savings Plan and the Employees Pension Plan. For further information on these plans, please refer to the applicable SPDs and Plan Summaries, which can be located on the NetBenefits, HomeFront, or Total Rewards Web sites. contribution percentage rate (and contribute up to 25 percent), change your investment options, view your online statement, or order prospectuses virtually at any time by going online to the NetBenefits site, which can be accessed via HomeFront, the Total Rewards site, or by going directly to the URL address: http://netbenefits.fidelity.com. You may also contact the Freddie Mac Benefits Center at (800) 431-2363.
Thrift/401(k) Savings Plan

You become eligible to make pre-tax contributions shortly after your date of employment, at which time you will be automatically enrolled in the Plan at a three percent pre-tax contribution that will be invested in the age-appropriate Vanguard Target Retirement Fund. Contributions will begin approximately 45 days after your hire date. Enrollment is automatic unless you call the Freddie Mac Benefits Center to elect no contribution or select zero via NetBenefits. You may change the You may also be able to roll over a distribution from an eligible retirement plan of a previous employer, subject to certain rules. After the first day of the month following your anniversary date, you are eligible to make after-tax contributions to the Thrift/401(k) Plan, to receive a Company Match to your contributions, and to receive a Basic Contribution (discretionary) allocation.
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The Company Match is as follows:

Current Year of Employment
2-3 4-5 6 or more
You are fully and immediately vested in both your contributions and the Company Match. Your vesting for the Basic Contribution is based on your years of service, as follows:
Percentage of Freddie Mac Match

50% 75% 100%
Percent of Pay Contributed by Freddie Mac if Employee Contributes 6% of Pay

3%
Years of Vesting Service

4.5% 1 6% 2
Vesting Percentage
20% 40% 60% 80% 100%
You may contribute from one percent to 25 percent of your pay (either pre-tax, after-tax, or a combination of the two), and you can choose to invest in any or all of the plans investment options. (Note: After-tax contributions are available only after completion of one year of service). You may do so by simply going online to the NetBenefits site, which can be accessed via HomeFront, the Total Rewards site, or by going directly to the URL address http://netbenefits. fidelity.com. You may also contact the Freddie Mac Benefits Center at (800) 431-2363.
3 4 5
You become fully vested in the Basic Contribution after five years of service during which you worked at least 1,000 hours in each calendar year. The Thrift/401(k) Savings Plan also has loan and hardship withdrawal features. Plan and IRS restrictions apply.
Generous 401(k) Match for Eligible Employees

Starting in your second year of service, Freddie Mac offers a 50-percent match up to 3 percent of income contributed to your 401(k) Plan. Once you begin your sixth year of service, the company gives you a dollarfor-dollar match up to 6 percent of your income contributed. All vest immediately and fully upon the companys contribution.
28
YOUR MONEY
The Thrift/401(k) Savings Plan currently offers a variety of funds in which you may invest. Information on each fund and its performance is available when you first enroll in the Thrift/401(k) Savings Plan. Up-to-date fund information, including the most recent prospectuses, information regarding fees, performance reports, etc., is available from the Freddie Mac Benefits Center.
Dependent Care Spending Account (DCSA), which you can use for eligible expenses related to child or other dependent care (such as care for an elderly parent or disabled dependent) that enables you (and your spouse, if married) to work or attend school full time. It does not include educational expenses.
Because you pay for eligible expenses on a
Pension Plan
You become eligible to participate in the Pension Plan after a year of service (provided you are age 21 or older). The pension benefit varies according to your age, salary, and length of service. You become fully vested after five years of service during which you worked at least 1,000 hours each calendar year. Early retirement is available at age 55 and five years of service; normal retirement age is 65. To estimate the current or future value of your accrued pension benefits, log on to the Pension Calculator located on HomeFront. For questions related to the Pension Plan, please contact the Benefits & Payroll Information Line at (703) 918-5555.
pre-tax basis, you reduce your taxable income, which saves you money. You can choose to contribute to one or both accounts through convenient payroll deductions. Under the HCSA, Freddie Mac provides automatic reimbursement if you participate in an Aetna Medical or Dental option. This means that when you file a medical or dental claim to be reimbursed for services from Aetna, you will not need to file a separate claim for reimbursement from your HCSA; a reimbursement request will be automatically forwarded to Aetna.
FSA Calculator
Need help in estimating your Flexible Spending Account contributions? The FSA Calculator is an online tool that can be used to calculate annual contributions to a Health Care and/or Dependent Care Flexible Spending Account, as well as estimate your tax savings. Participants will estimate anticipated health care and/or dependent care expenses that are eligible for reimbursement. The FSA Calculator is available on NetBenefits.
Flexible Spending Accounts

You can take advantage of pre-tax Flexible Spending Accounts (FSAs) to save money on eligible expenses. There are two types of FSAs:
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Health Care Spending Account (HCSA), which you can use for eligible expenses that your Medical, Dental, and Vision plans do not cover or cover only in part, including deductibles and copayments. You may enroll in the HCSA even if you do not have medical, dental, and/or vision coverage through Freddie Mac. However, if you intend to use your HCSA contributions for something specific (e.g., eyeglasses, Lasik surgery) or if you have coverage under another plan that requires coordination of benefits, you must call the Freddie Mac Benefits Center at (800) 431-2363 to opt out.
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Minimum Contribution
Health Care Spending Account Dependent Care Spending Account $240 per year $600 per year
Maximum Contribution
$5,000 per year $5,000 per year
The IRS specifies the maximum DCSA reimbursement that can be excluded from income based on your federal filing status. The plan limits are the same as the IRS limits. Please read the Dependent Care Plan Summary located on HomeFront or on the NetBenefits or Total Rewards sites for additional information about contribution limits.
Both the HCSA and DCSA accounts have certain minimum and maximum contribution amounts, as shown in the chart on page 30. You decide how much to contribute to your account(s) by estimating how much you expect your health care and/or dependent care expenses to be during the calendar year. While spending accounts can save you money on taxes, you should be aware of the following restrictions before enrolling in one or both accounts: All expenses for which you request reimbursement
must be incurred on or after your participation begins. Your participation begins on the first day of the first pay period in which payroll deductions commence. You must obtain your daycare providers tax ID or Social Security Number to access the money in your DCSA. You will have until March 31 of each year to submit claims for reimbursement of all eligible expenses incurred Jan. 1 Dec. 31 of the previous plan year, and any additional expenses incurred
Flexible Spending Accounts

Did you know that you can arrange to have your reimbursements directly deposited into any bank account you wish? Simply complete the Flexible Spending Accounts Authorization for Direct Deposit form found on HomeFront, and reimbursement will be credited to the designated account versus receiving a check via mail. For more important information about restrictions, coverage limitations, and tax implications of Flexible Spending Accounts, refer to the Health Care and Dependent Care descriptions located on the NetBenefits, HomeFront, and Total Rewards Web sites.
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YOUR MONEY
through March 15 of the current calendar year if you did not use up all of your contributions before the end of the plan year. This allows you a longer period of time within which to incur and pay for eligible expenses before any amounts are forfeited under the use-it-or-lose-it rule. It is your responsibility to make sure that Aetna receives your claims, in good order, by March 31. Claims received by Aetna after March 31 will not be accepted with no exceptions.
If you do not incur enough expenses to use all the contributions you make to your account(s) by Mar. 15 following the end of the plan year for which the contributions are made, the IRS requires you to forfeit any remaining balance in your account. You cannot receive a refund, carry balances over to pay for next years expenses, or transfer money from one account to another.
Health Care Spending Account

If you enroll in the Aetna HealthFund Medical option and also sign up for the HCSA, your HRA will reimburse eligible expenses first. If you use all of your HRA credits, then the HCSA will reimburse any additional eligible expenses, up to the amount of your HCSA annual contribution. For specific information, please see the HCSA SPD located on NetBenefits, the Total Rewards Web site or the Flexible Benefits page on HomeFront.
Rachels Story
A recent college grad, Rachel started working full time at Freddie Mac on May 6, 2007. On May 6, 2008 the first day of her second year of employment Rachel became eligible to receive a 50 percent matching contribution. She earns $50,000 per year and contributes six percent of her income, or $3,000, to her 401(k). Therefore, Rachels Freddie Mac match is $1,500.
company
match = 50
of 6
%
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YOUR MONEY
Income Protection Benefits

Providing protection from the unexpected for you and your family is an important part of Freddie Macs benefits. Freddie Mac provides short-term disability (STD) and long-term disability (LTD) income protection; life insurance; accidental death & personal loss (AD&PL) insurance and business travel accident (BTA) coverage.
Short-Term Disability (STD) Coverage

STD coverage protects your income for the first 180 days of disability, after you have been disabled for six consecutive work days. There is no cost to you for this coverage. If you are approved for STD coverage and have completed the six-day waiting period, your STD benefits are based on your length of service at Freddie Mac and the length of time you are unable to work because of your disability, as shown in
Disability Coverage
For more information on disability coverage, refer to the LTD Summary Plan Description available on the Reference Library Tab on NetBenefits, the Flexible Benefits page on HomeFront, or the Total Rewards Web site. For information about disability coverage, refer to Corporate Policy 3-235, which is available on HomeFront.
chart below.
Long-Term Disability (LTD) Coverage

LTD coverage pays benefits if you are unable to work due to an approved disability for more than 180 days. Freddie Mac provides you with core LTD coverage at no cost to you. Core LTD coverage provides benefits equal to 60 percent of your basic monthly earnings, up to a maximum monthly benefit of $20,000 less any offsetting income as described in the LTD Summary Plan Description (SPD). You may also elect to purchase an additional 10 percent of LTD coverage, bringing your total LTD coverage to 70 percent of your basic monthly earnings, up to a maximum monthly benefit of $20,000, less any offsetting income as described
Disability Coverage
A disabling illness or injury can be financially devastating. Thats why Freddie Mac provides you with disability coverage to provide replacement income if you are unable to work due to an eligible non-work-related injury or illness.
Length of Service
Short-Term Disability Benefits (as a percentage of base pay)

Days 1 through 90 Days 91 through 180 60% 80%
Six months or less* More than six months
80% 100%
*Days 1 5 charged to available leave
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YOUR MONEY
in the LTD SPD. You pay for the cost of your additional LTD coverage on an after-tax basis. The LTD Plan has limitations relating to a pre-existing condition. This limitation applies to both the core and additional LTD coverage. For additional information, please refer to the LTD SPD.
Evidence of insurability (EOI, or proof of good health) is not required for newly hired employees if you elect Additional GTL when you first become eligible. You must provide EOI if you wish to increase your coverage amount during subsequent Annual Enrollment periods. Increases due to a status change are not subject to EOI. Any coverage above $50,000 is taxable to you as imputed income.
Group Term Life (GTL) Insurance

You are covered for core GTL insurance at one times your annual base pay at no cost to you. Other income, such as overtime, bonuses, commissions, shift differentials, relocation reimbursement, or special compensation is excluded when determining your annual base pay. With your FlexDollar allotment, you may purchase additional coverage for one or two times your annual base pay. When combined with your core coverage, your total coverage equals two or three times your annual base pay if you elect to purchase additional coverage. The maximum coverage amount for your core and additional GTL combined is $1,000,000.
Accidental Death & Personal Loss (AD & PL) Insurance

AD&PL insurance provides benefits in the event that you die or become dismembered due to an accident. You may use your FlexDollars to purchase AD&PL coverage for one, two, three, or four times your annual base pay, up to $1,000,000. Other income, such as overtime, bonuses, commissions, shift differentials, relocation reimbursements, or special compensation is excluded when determining your annual base pay. EOI is not required for AD&PL coverage.
Damons story
Damon has been with Freddie Mac for 12 years and is married with two children. He has chosen to enroll his entire family in the Aetna Choice POS II plan, as well as the dental and vision plans. His cost per pay period for all of the above coverage is $165.37. Freddie Mac gives him $34.58 in FlexDollars per pay period, as well as $5 each for him and for his wife, who both completed their online Health Assessment, bringing his total per-pay-period premiums for health, vision, and dental coverage down to $125.79.
FlexDollars
savings = $34.
58
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YOUR MONEY
You may elect GUL coverage for: Life and AD&PL Coverage
For information on Life and AD&PL insurance coverage, refer to the Reference Library Tab on NetBenefits, or to the Summary Plan Description available on the Flexible Benefits page on HomeFront or the Total Rewards site.
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Yourself, for one to five times your annual base salary, up to a maximum of $750,000. For your spouse under age 65, in increments of $10,000, up to a maximum of $50,000. For amounts above $30,000, or if coverage is increased during Annual Enrollment, your spouse
Aetnas Group Universal Life (GUL) Insurance Program

Depending on your personal situation, you may decide that you need additional life insurance protection, or you may wish to elect coverage for your eligible family members through the Aetna Group Universal Life (GUL) Insurance Program. Aetna offers the GUL program to Freddie Mac employees; this program is not sponsored by Freddie Mac. For more information, see the program description on the Reference Library Tab on the NetBenefits, HomeFront, or Total Rewards Web sites. With GUL coverage, you may choose between:
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must complete an EOI form, which you can find on NetBenefits, or on the Flexible Benefits page on HomeFront. For your children, $10,000 of coverage for each child. Your cost remains the same, regardless of how many children you cover. (You and/or your spouse must participate in GUL in order to purchase coverage for your children). You pay for the cost of any GUL coverage you elect through convenient after-tax payroll deductions. EOI is required as follows: New Hires
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Term life insurance, which enables you to purchase additional life insurance protection on an after-tax basis at affordable group rates for yourself and/or your eligible family members. Universal life insurance, which enables you to combine the after-tax purchase of affordable term life insurance protection with a special taxadvantaged Cash Accumulation Fund (CAF) for you and/or your spouse. With the CAF, you can make contributions in addition to the monthly premium for the term life insurance coverage.
If you elect coverage greater than $200,000 for yourself. If you elect coverage greater than $30,000 for your spouse.
Annual Enrollment or Status Changes

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If you elect coverage for the first time or increase current coverage for yourself. If you elect coverage for the first time or increase current coverage for your spouse.
The EOI form is available on the NetBenefits site. You You may take loans or make withdrawals from your CAF or use these funds to make future premium payments. The Internal Revenue Service (IRS) limits the amount you can contribute. may also be required to complete a physical exam. Cross coverage is NOT PERMITTED under the plan. If you and your spouse both work at Freddie Mac (or if your spouse formerly worked at Freddie Mac
34
YOUR MONEY
and continued his/her coverage directly with Aetna and is paying Aetna directly for that coverage), you may not enroll your spouse in spouse-life coverage under your plan if your spouse has coverage or is electing the employee life coverage for him/herself under his/her plan. If you decide you want to enroll your spouse in the spouse-life coverage under your plan, your spouse may not have the employee life coverage for him/herself. For child-life coverage, only one of you may elect the child-life benefit. For Texas residents only: Your spouse and child coverage may not exceed more than 100 percent of the amount of your GUL coverage. Spouse coverage is limited to the plan maximum of $50,000. Child coverage is limited to a maximum of $10,000; also, if you do not elect coverage for yourself, you may not elect spouse or child coverage.
name, add, or change your beneficiary(ies) at any time. To do so, complete and return a beneficiary form to the address on the form. Forms are available on the NetBenefits, HomeFront, and Total Rewards Web sites.
Customer Service Link

The Customer Service Link is an online NetBenefits tool with several features to address your health and insurance questions. Commonly Asked Questions includes approximately 90 of the most frequently asked questions and their answers. The Service Request feature allows you to submit an online request for certain services. You will find a service representatives response to your request in the Meeting Center. Technical Help provides answers to questions related to using the Web. To access customer service, click the link at the top of the Health & Insurance Tab.
Business Travel Accident (BTA) Insurance

Freddie Macs BTA insurance provides employee-only coverage for accidental death or dismemberment while traveling on company business. Benefits you may receive under this Plan are in addition to any benefits received from Freddie Macs GTL, AD&PL, or Aetnas GUL Insurance Plan. Freddie Mac pays the full cost of this coverage. Beneficiary Information When you become eligible for Life, AD&PL, and BTA Insurance, and for the Thrift/401(k) Savings and Pension benefits, you will need to designate a beneficiary(ies), the person or persons who will receive benefits in the event of your death. You may
35
YOUR MONEY
Your Time
Freddie Mac believes that time off is important to employees work-life balance. On average, companies provide full-time employees who have one year of service with 10 days of leave (nonsick-related personal time off) per year. At Freddie Mac, our generous leave program provides such employees with 10 core vacation days and four discretionary holidays (in addition to seven scheduled federal holidays). To further enhance work-life balance, employees with at least one year of service have the option to purchase up to 15 additional vacation days for a total of 25 days of vacation leave.
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YOUR MONEY
Time Away From Work

Freddie Mac has a wide range of paid time-off programs. The following is a brief explanation of these programs. For more information about vacation, holidays, and sick leave, please see the policies on HomeFront. Mid-Career Hires Vacation
Mid-career hires or employees with three or more years of continuous service receive enough FlexDollars to purchase five days above the core vacation they want to take.
Vacation Time
In your first calendar year of employment, you accrue 10 days of vacation (15 days if you are a mid-career hire). Both rates are prorated based on your date of hire. In subsequent years, you receive enough FlexDollars to buy the vacation days for which you are eligible, based on your years of service and mid-career hire status. If you wish to have more than the 10 core days of vacation time, you must elect the additional days during Annual Enrollment. There are minimum usage, maximum payout, and carryover rules for most employees, so you should plan carefully. Also, please refer to Corporate Policy No 3-233, located on HomeFront.
Core Vacation Time Eligible full-time employees receive 10 core vacation days each calendar year. Part-time employees who are regularly scheduled to work at least 20 hours per week receive prorated vacation time based on their service and work schedule. Additional Vacation Time Beginning in the second calendar year, all eligible full-time employees may use FlexDollars to purchase additional vacation time in increments of one day. The number of FlexDollars allocated to you for purchasing additional days of vacation depends on your years of service and your scheduled hours.
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YOUR TIME
Holidays
Freddie Mac observes seven scheduled federal holidays and four discretionary holidays each year. If you are hired in the first quarter, you will receive all four discretionary holidays. If you are hired in the second quarter, you will receive three discretionary holidays. If you are hired in the third quarter, you will receive two discretionary holidays. If you are hired in the fourth quarter, you will receive one discretionary holiday. If you wish to observe a holiday that is not on the companys schedule, you may use a discretionary holiday or your vacation time, with your supervisors approval. Discretionary holidays do not carryover to the new year.
of days based on hours regularly scheduled to work. You may use up to four days of sick leave per year in the event of an illness in your immediate family.
Mid-career hires
If you are a mid-career hire, you will accrue vacation at the prorated rate of 15 days in your first calendar year of employment. In your second calendar year of employment, you will accrue 10 days of vacation and receive the appropriate amount of FlexDollars to purchase five additional days of vacation. If you wish to have those additional five days, you MUST elect to purchase them during Annual Enrollment.
Sick Leave
Full-time employees receive eight days of sick leave per calendar year. Carried-over sick leave is capped at 12 days for a maximum of 20 sick days. Parttime employees receive five days of sick leave per calendar year and may carryover a prorated amount
Paid Vacation
In your first calendar year as a Freddie Mac employee, you accrue 10 days (or 15 days if youre a mid-career hire) of vacation prorated based on your hire date and up to four discretionary holidays. Eligible employees may elect to purchase additional days of vacation per year beginning with their second calendar year of employment.
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YOUR TIME
Family Medical Leave

The Family Medical Leave Act (FMLA) permits eligible employees to use up to 12 weeks of unpaid leave upon the occurrence of an employees serious health condition or to care for an eligible family member.
Bereavement Leave
Freddie Mac will provide up to three days of paid leave when someone in your immediate family or someone who lives in your household dies.
Short-Term Disability Leave

STD coverage provides benefits when you need to be absent from work for a period of six or more consecutive work days and up to 180 calendar days if the absence is related to an employees illness or injury and is approved by the Wellness Center. STD benefits are paid to you the same as your regular pay, with applicable taxes and regular payroll deductions withheld.
Military Leave
Freddie Mac employees are entitled to take leave from their Freddie Mac employment to serve in the Uniformed Services consistent with the requirements of the Uniformed Services Employment and Reemployment Rights Act. The continuation of benefits during leave and the right to be re-employed upon completion of such leave depend on a number of circumstances, including the duration of the leave. Employees should consult with their Human Resources business partners regarding these and other issues involved with such leave.
Adoption Leave
Eligible employees can take up to 30 business days of paid leave to care for a newly adopted child. Paid adoption leave can be taken in whole-day increments either consecutively or intermittently, but all such paid leave must be taken within 12 weeks from the date the adoption is finalized or the placement for adoption, whichever occurs first. To be eligible for adoption leave, an employee must be the adopted childs primary caregiver during the leave period.
Jury Duty Leave

Provides employees leave for jury duty or to comply with a subpoena or court order. Should you be asked to serve on jury duty, you should notify your supervisor so arrangements may be made for your absence.
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Your Life
Data show that most of us spend more than 20 minutes waiting in a doctors office for a scheduled visit. But this isnt your only option. Feel sick during the workday? Need an allergy shot? Visit Freddie Macs on-site Wellness Center, and reclaim your precious time.
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Work/Life
Whether its a desire to own your first home, further your formal education, the need to take care of an elderly parent, or a personal problem for which you require assistance, we all face the challenge of balancing our professional and personal lives. To help you manage lifes demands, Freddie Mac offers a variety of work/life programs and benefits. In addition to the brief summary that follows, visit HomeFront for more information. For more information about this program, including eligibility requirements, please read the Program Summary and Frequently Asked Questions located on the Home Benefit Program site on HomeFront.
Freddie Mac Wellness Center

The Freddie Mac Wellness Center is an on-site health clinic staffed by dedicated health professionals who provide urgent and preventive care services at no cost to Freddie Mac regular full-time and parttime* employees at Freddie Macs home office. Services include:
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Home Benefit Program

Through the Home Benefit Program, Freddie Mac employees who are first-time homebuyers and meet certain eligibility criteria can receive up to $12,000 to cover down payment and eligible closing costs, such as loan origination fees and discount points.
Preventive physical exams Immunizations (including flu shots and allergy injections) Nutritional counseling Vision and hearing screenings
The Home Benefit Program also provides employees with important educational information about homebuying and homeownership.
41
YOUR LIFE
Laboratory testing (including thyroid function, complete blood count, etc.) Skin checks and much more!
LifeWorks can help you and your family handle lifes ups and downs. The LifeWorks program is a free, confidential service that offers practical solutions, online resources, one-on-one consultations, and material on a variety of personal, family, and work issues. LifeWorks can offer you a real person to talk to when you need help; an answer to a question; or a referral to a resource, service group, or support group. Just call (888) 267-2183 to speak to a consultant at any time, day or night. Online articles, newsletters, LifeWorkshops, booklets, audio recordings, and more are also available by visiting the LifeWorks Web site at www.lifeworks.com. Just enter your LifeWorks user ID (freddiemac) and your password (2420).
The Wellness Center is located at 8200 Jones Branch Drive, McLean, VA 22102. You may contact the Wellness Center at (703) 903-2844. For more information about the Wellness Center, please go to the Wellness Center site on HomeFront. The Wellness Center should not be used in place of your Primary Care Physician.
*Pursuant to Freddie Mac Corporate Policy No 3-221.
Employee Assistance Program

While its easy to solve some personal problems on your own, there may be times when professional assistance can make a big difference. Our Employee Assistance Program (EAP) is designed to provide free, confidential assistance to you and your eligible dependents during those times. The EAP can help with a wide range of issues, including marital or relationship problems, emotional difficulties and stress, drug and alcohol dependency, and family problems. You are encouraged to take advantage of this program whenever you have a problem that affects your home or work life. For more information, you may call the EAP at (703) 903-2584 (in the mid-Atlantic area) or (800) 2473054; you may also read the program description on HomeFront.
Back-Up Child/Elder Care

Back-Up Child/Elder Care may be available whenever your regular childcare arrangements are unavailable or you need back-up help in caring for an elderly loved one. You can use the back-up center:
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If your regular provider is ill or on holiday To support flexible work arrangements When schools are closed
The following are also available:

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In-home back-up child care In-home back-up care for mildly ill children In-home back-up care for adult/elder care
You can use this benefit up to 20 days per year;
LifeWorks
however, you cannot use it for more than five consecutive days without special authorization. Users of these services pay $15 per visit; Freddie Mac subsidizes the majority of the cost.
Staying on top of things during times of transition can be difficult. Whether youre dealing with getting the kids back to school or a major life challenge,
42
YOUR LIFE
For more information about this program, including eligibility requirements and enrollment procedures, please visit the Back-up Child/Elder Care site on HomeFront.
Adoption Expense Reimbursement Program

Freddie Mac provides financial assistance to eligible employees who adopt a child. The child you adopt must be a formerly unrelated child under age 18 and cannot be a stepchild or other family member. Upon completion of the legal adoption process, you may apply for reimbursement for certain eligible expenses, including:
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Lactation Program
The Freddie Mac Work Site Lactation Program provides support to female employees who want to work and maintain a successful breastfeeding relationship with their children. The program includes these main components:
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Adoption agency fees Court and legal fees Medical exam expenses not covered by your health insurance plan, if required as part of the adoption process Travel required to transport the child and an escort to your home, or the cost for you and your spouse to pick up the child, if necessary
Prenatal breastfeeding (including discounts on breast pumps

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Telephone support following the birth of a child Return-to-Work consultation Lactation rooms located throughout Freddie Mac offices
For more information about this program, including eligibility requirements, please read the Program Summary located on HomeFront.
The maximum amount for which you may be reimbursed is based on the cost for a normal
Homebuyer Benefit Program

Eligible employees may receive a benefit amount of up to $12,000. Eligible employees are those who have at least one year of service; work 20 or more hours a week; are in good standing; whose annual salary is $85,000 or less; and who have participated in a Freddie Mac-sponsored homeownership education class. Education topics include choosing a mortgage lender, establishing and maintaining good credit, and much more.
43
YOUR LIFE
childbirth during the year in which the adoption becomes final. If the adoption is finalized before you complete one year of employment, you must satisfy the one-year service requirement before requesting reimbursement. Adoptions that were finalized prior to your date of hire are excluded. For more information about this program, contact the Freddie Mac Benefits Center at (800) 4312363 and/or see the program description on the NetBenefits, HomeFront, or Total Rewards Web sites. For information on adoption leave, see page 39.
All eligible employees may apply for LTC insurance, as well as their spouses, same-sex domestic partners, parents, parents-in-law, grandparents, and grandparents-in-law. Additionally, Freddie Mac retirees and their spouses can apply, and all eligible family members can apply whether or not the employee or retiree applies. For more information about the LTC insurance Plan, see the Long-Term Care site on HomeFront or call the John Hancock Customer Service Center at (800) 222-8868.
Long-Term Care
Freddie Mac offers a group, employee-paid Long Term Care (LTC) insurance plan underwritten by John Hancock Life Insurance to help fill the gap where Medical plans and government programs do not provide coverage for extended care. Participants will be able to take advantage of Freddie Macs discounted group plan rather than securing a plan individually.
Educational Assistance Program

To support you in continuing your formal education, Freddie Mac offers reimbursement for accredited college, university, or certification courses that will enhance your skills in your present position or prepare you for a realistic future assignment with Freddie Mac.
Educational Assistance Program Monicas story

Monica joined Freddie Mac as a full-time employee in January 2010. In April, she decided shed like to go to school at night for an accounting degree but thought she couldnt afford it. Then, Monica learned she was eligible for the companys Educational Assistance Program, which would reimburse her up to $5,250 annually for eligible expenses. Monica applied and was accepted to Georgetown University and was able to sucessfully utilize the education reimbursement program with her managers approval.
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YOUR LIFE
You may be reimbursed up to $5,250 per year (prorated if you are a part-time employee working fewer than 38.75 hours per week) for eligible expenses, including:
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Concierge Services
The Freddie Mac Concierge Services are provided as a benefit to employees and members of their households, and there is no cost for accessing and using the services basic research and recommendations. If you need to have your house cleaned, your car detailed, or need to find premium tickets for hit shows, concerts or sporting events, contact the Concierge Service via HomeFront. The password is Freddie.
Registration fees Required textbooks Tuition Lab fees Courses leading to a certification Certification exam fees
All reimbursements are based on the grade you receive (no reimbursement is available for grades below a C or for certificate programs):
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Fitness Center and Regional Health Club Reimbursement

The home office fitness center facilities are convenient for most Northern Virginia employees to use. For employees who work outside of our Northern Virginia offices and work more than 20 hours a week, Freddie Mac offers reimbursement for health club membership dues of up to $250 per year. This program is not restricted; it allows you to join the health club of your choice. For more information, go to the benefits page on HomeFront.
Undergraduate programs: 100 percent for a C or better Graduate programs: 100 percent for a B or better; 50 percent for a C.
For more information about the program, including tax implications, review the summary that is located on the NetBenefits, HomeFront, or Total Rewards Web sites, or contact the Freddie Mac Benefits Center at (800) 431-2363 to speak to a representative.
Healthy Lifestyles Tools

In addition to offering a range of Medical plan options, Freddie Mac provides you with health and wellness programs and resources, such as the Wellness Center and the regional health club reimbursement, to help you lead a healthier life.
Transportation Benefit
Through the WageWorks Commuter Benefits Program, employees who take public transportation to work, ride in a vanpool, or park near public transportation can use pre-tax dollars to purchase transit passes each month and receive free home delivery of monthly passes and vouchers. For more information about this program, please visit the WageWorks Commuter Benefits Program site on HomeFront.
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IN CLOSING
In Closing
Throughout this brochure, weve overviewed a range of benefits available to employees. At Freddie Mac, we respect your goals to protect and enhance your personal and professional life, your health, your money, and your time. Were striving to be an employer that helps you meet these goals. Flexibility is vital as you juggle multiple demands and responsibilities, and your benefits needs shift over time. The following contains important additional information about making changes to benefits for which you enroll, and amenities that improve the quality of your life.
46 48
IN CLOSING
Making Changes to Your Coverage

Once you have enrolled in your flexible benefits, your elections remain in effect through Dec. 31 of the applicable plan year (Jan. 1Dec. 31). You may re-enroll or make changes to your benefits only:
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During Annual Enrollment, you may choose to make no changes to your current benefit elections or to make new benefit elections for the upcoming plan year. If you decide to make new elections, you may also change your coverage level for those programs that allow you to cover eligible family members. The benefits you choose during Annual Enrollment are effective for the next full plan year (Jan. 1 through Dec. 31), unless you experience a status change. If, after reviewing your current elections, you wish to make no changes for the next year, no action is necessary. Your current elections (including Vacation Purchase and Flexible Spending Accounts) will automatically continue into the next plan year at the next years contribution rates, as applicable. It is your responsibility to review and update, as necessary, your elections each year during Annual Enrollment.
During Annual Enrollment If you experience a status change If you qualify for a special enrollment period as described in the applicable Freddie Mac Summary Plan Descriptions
Annual Enrollment
From time to time, your benefit needs may change. Thats why, in addition to enrolling when you first become eligible, you have the opportunity to make certain changes to your benefits near the end of each year during Annual Enrollment.
47 49
IN CLOSING
Status Changes
Outside of Annual Enrollment, you may only change your benefit elections or covered family members if you experience a status change. These events vary from plan to plan and are detailed in the SPDs. They may include:
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status change. For example, if you currently have Participant Plus One coverage and you would like Family coverage because of the birth of a child, you must add the new dependent by going online to http://netbenefits fidelity.com or by calling the Freddie Mac Benefits Center at 1-800-431-2363 within 30 days of the event. Calling your carrier does not satisfy this requirement. After the 30-day deadline, requests for election changes will not be considered on account of the event and will be denied. If you miss the 30-day deadline, you will not be allowed to make the change until the next Annual Enrollment. Any corresponding change in the amount you contribute toward the cost of coverage (for example, from Participant Only to Family coverage) becomes effective as soon as administratively possible, and your contribution will be adjusted in the next available pay cycle. Such contribution changes are typically reflected in your pay advice in approximately one or two payroll cycles. No retroactive contributions or pay adjustments or retroactive changes to FlexDollars will be made under any circumstances. If, as a result of the status change, you are required to provide evidence of insurability (EOI) or proof of good health the change becomes effective on the date your coverage is approved.
A change in your legal marital status (marriage, divorce, death of a spouse, legal separation, annulment) If your spouses Annual Enrollment period differs from Freddie Macs Annual Enrollment The commencement of or return from a long-term unpaid leave of absence A change in your dependents eligibility (change in age or change in student status) A change in domestic partner status (gain or loss) A change in the number of your eligible dependents (birth, death, adoption, placement for adoption) A change in employment status (termination or commencement of your employment, your spouses employment, or your dependents employment) A change in dependent care
If you need to make a change to your benefit elections as a result of a status change, log on to http://netbenefits fidelity com, or call the Freddie Mac Benefits Center at (800) 431-2363. You must make any changes to your elections within 30 days of the event, and any election change you make must be consistent with the nature of the
48
IN CLOSING
Appeals
Once you enroll or are assigned default benefits for a particular year, your benefits elections stay in effect for the duration of the plan year. Compliance with this IRS requirement helps ensure that the pre-tax dollars you use to buy cafeteria plan benefits remain nontaxable. If you believe you have been adversely affected by a decision of Freddie Mac concerning your flexible benefits enrollment, you can request a review of the decision by the Freddie Mac Flexible Benefits Plan Appeals Committee. The Committees sole purpose is to review appeals concerning enrollment, and to evaluate such appeals in the context of the status changes discussed earlier in this brochure. This request must be made within 30 days of Freddie Macs decision concerning your enrollment, or you will lose your right to appeal. You must make the request in writing. The request The Appeals Committee will review and decide on your appeal normally within 30 days of the date you submit your appeal. If additional time is required, you will be notified of the delay.
Freddie Mac Appeals Committee, MS A33 8250 Jones Branch Drive McLean, VA 22102
must also contain all information, issues, and other documentation needed to support your position. You may mail your appeal to the Benefits electronic mailbox (Benefits@freddiemac.com) or send it via U.S. mail to the following address:
This booklet provides very general information about numerous Freddie Mac plans, programs, policies, and procedures. For more detailed information, including (but not limited to) information about limitations, enrollment, waiting period and eligibility, you should refer directly to those plans, programs, policies, and procedures (the documents). In the event of a conflict between this booklet and those documents, those documents will control. This booklet is not, nor is it intended to be, a Summary Plan Description (SPD). SPDs for certain benefit plans can be found on HomeFront or under the Reference Library tab on NetBenefits. The language used in this booklet is not intended to create, should not be construed to create, and shall not be deemed to constitute, a contract between Freddie Mac, and/or any one of Freddie Macs employees, former employees, or any person who may be rendering services to Freddie Mac at any time (including, but not limited to, individuals classified or treated as independent contractors and/or employment service temporaries). Freddie Mac reserves the right to amend, suspend, terminate, or modify any of the underlying plans, programs, policies, and procedures described in this booklet, the documents relating thereto, or this booklet itself, at any time.
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IN CLOSING
In Addition ...
Were delighted to provide you with the excellent benefits package outlined in this booklet. Its also our pleasure to provide you with additional offerings that enhance your health, your money, your time, and your life. You dont have to enroll ... For the companys employees, theyre part of the territory. Take a look at the information [at right], and see the possibilities. On a busy day, you can grab dinner to go and dont have to stop on the way home to pick up your dry cleaning or mail a package. You can make contacts and give and receive support as part of an Employee Network Group. You can explore company-sponsored training and professional development that prepare you to contribute fully and take advantage of growth opportunities. You can give back to the community by taking advantage of our volunteer program and matching charitable contributions. Freddie Mac is glad to have you as part of the team. Were proud of our mission to make home possible for millions of Americas families; our inclusive culture and our commitment to diversity; and our employees talent and dedication. Welcome!
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Your Health
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Wellness seminars
Your Money
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ATM machines Company-matched charitable contributions Employee Mortgage Service Employee Referral Awards
Your Time
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Home Closing Time-Off benefit Volunteer Program
Your Life
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Business casual dress Dry cleaning services Food-to-go Free or paid parking Library Mail services Service awards Employee Network Groups Training and career development
50

2010 Benefits Brochure

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2010 Benefits Brochure

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Benefits Overview 2010

Your Comprehensive Benefits

Freddie Macs Benefits

Domestic Partner Coverage

YOUR COMPREHENSIVE BENEFITS

First of Month Following Date of Hire

One Month of Service

One Year of Service

Benefits Effective Dates

*First day of the month following anniversary date

Educational Assistance Program

YOUR COMPREHENSIVE BENEFITS

YOUR COMPREHENSIVE BENEFITS

Freddie Macs Total Rewards

Group Term Life (GTL) Insurance

Valuable Online Tool

YOUR COMPREHENSIVE BENEFITS

Group Universal Life Insurance

Freddie Macs Flexible Benefits

Cost Per Pay Period

$27.08 $ 6.25 $ 1.25 $ 9.60 $ 4.00 $48.60

$62.19 $ 11.74 $ 2.10 $ 6.30 $82.33 ($48.60) $33.73

Your Privacy is Protected

Participant Only Participant Plus One Participant Plus Family

Medical Plan Options

If you live in this area

You may choose from these options

The following information describes how each Summary Plan Descriptions

Examples of preventive care services include:

What Freddie Mac Pays Health Reimbursement Account (HRA)

What You Pay Your Portion of the Annual Deductible

You Meet the Annual Deductible HRA + Your Responsibility

What Freddie Mac and You Pay Health Coverage

What Freddie Mac and You Pay Out-of-Pocket Maximums

$1,750 Participant Only $3,125 Participant + 1 $4,500 Participant + Family

Prescription Drug Coverage

Online Pharmacy Tools and Resources

Determining Your Share of the Cost for Brand-Name Drugs

Go to www.aetna.com Enter: Username and password

If you forgot your username and password, follow the prompts

Retail Pharmacy (Up to 60-day supply)

$15 $25 $40

2010 Summary of Medical Benefits All Regions

100% in HRA 0% in deductible 80% coinsurance

100% in HRA 0% in deductible 60% coinsurance

Routine Preventive Medical Services

2010 Summary of Medical Benefits All Regions

50% Additional hospital deductible of $150 per admission

60% Additional hospital deductible of $150 per admission

90% after $100 copay per admission

90% after $100 copay per admission

90% after $25 copay

2010 Summary of Medical Benefits All Regions

Urgent Care Services

100% in HRA 0% in deductible 80% coinsurance

100% in HRA 0% in deductible 60% coinsurance

100% in HRA 0% in deductible 80% coinsurance

100% in HRA 0% in deductible 60% coinsurance

100% of charges if approved by plan

100% No Annual Maximum

2010 Summary of Medical Benefits All Regions

30-day lifetime maximum 70% $35 copay if approved by plan 90%

Home Health Care