2023 Benefits Guide - Supporting Your Journey to Be Well.
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2023 Benefits Guide
Supporting Your Journey to Be Well.
Your 2023 Benefits
Supporting Your Journey to Be Well.
Table of Contents
Starting Off Resources To Be Well
Welcome.........................................................................................1 Making the right choices..................................................... 17
Your benefits checklist........................................................... 3 Mental well-being................................................................... 19
Who’s eligible?............................................................................4 Additional wellness resources......................................... 20
Time off........................................................................................ 21
Medical Coverage
Caregiving support................................................................ 21
Your medical plan options.....................................................5
Financial benefits....................................................................22
Additional medical plan resources.................................10
Supplemental health benefits........................................... 11 Where To Learn More
Family-forming benefits....................................................... 13 Your resources..........................................................................23
Travel & lodging benefit....................................................... 13
Other Health Coverage
Dental............................................................................................ 14 To view this guide and other benefit information,
scan the QR code or visit the website.
Vision............................................................................................. 14
Para ver esta guía y otra información sobre
Spending Accounts and beneficios en español, escanee el código QR
Financial Protection o visite el sitio web.
Flexible Spending Accounts (FSAs)............................... 15 Pou gage gid sa a ak lòt enfòmasyon sou
benefis an kreyòl ayisyen, eskane kòd QR
Short- and long-term disability........................................ 16
la oswa vizite sit entènèt la.
Life and accidental death &
dismemberment (AD&D) insurance.............................. 16
USING THIS GUIDE
BACK CONTENTS NEXT
cloroxbenefitsinfo.com
We’re a health and well-being company at heart, and we put people at the center of
everything we do. This includes our consumers and customers, of course, but it also
means YOU — our teammates who make Clorox the place it is. We want to help you
be your best self at work and at home. So, no matter what’s important to you today
or tomorrow, you can count on Clorox to support your journey to be well.
One way we support our people and their family members is through a comprehensive
benefits program that prioritizes holistic well-being. Whether you’re looking to improve
your physical, mental or financial health, we offer a range of high-quality options and
resources to help you. And we’re constantly reviewing and evaluating our plans to be
sure they continue to meet the diverse needs of our workforce.
This guide provides a snapshot of our many benefits and programs. From medical plan
options to our market-leading 401(k) program to family-forming and mental well-
being benefits, we have programs available to enhance every aspect of your health.
Review this guide carefully to learn more about our benefits programs and the actions
you need to take so you can make the best decisions to support yourself and your family.
I hope you take advantage of everything available to you and your family as a Clorox
teammate. Let’s continue the journey to be well, together.
All the best,
KIRSTEN MARRINER, EXECUTIVE VICE PRESIDENT
CHIEF PEOPLE AND CORPORATE AFFAIRS OFFICER
page 1
Learn more
• General questions about Clorox benefits? Visit cloroxbenefitsinfo.com for more information about your
coverage options.
• Want to review your specific coverage? Visit Clxhub > U.S. Total Rewards > Health & Welfare Service Center >
Main Menu > Current Benefits for detailed plan documents. To access the Health & Welfare Service Center
outside of the Clorox network, go to cloroxbenefits.com and log in.
Make your choices
ONLINE DOWNLOAD CALL
Single sign-on: Clxhub > U.S. Total Rewards > EmpyreanGO app Health & Welfare
Health & Welfare Service Center Service Center
Directly: cloroxbenefits.com 833-550-5600
Monday–Friday,
Call the Health & Welfare Service Center (833-550-5600)
6 a.m.–5 p.m. PT
for help logging in online or via the app.
Please note: If you’re a new
hire, it may take up to three
business days from your
hire date to access and
complete your enrollment
by phone or directly at
cloroxbenefits.com (up to
seven business days via
Clxhub > U.S. Total Rewards
> Health & Welfare Service
Center).
page 2
YOUR BENEFITS CHECKLIST
BEFORE YOU ENROLL AFTER YOU ENROLL
□ Evaluate your options by reviewing this Benefits □ Review the benefits confirmation mailed to you.
Guide and the information at Clxhub > U.S. Total Call 833-550-5600 within 10 days of receipt to
Rewards > Health & Welfare Service Center. report any inaccuracies.
□ Visit mycloroxhealthcarerates.com to see □ Submit proof of eligibility for any newly-added
biweekly premium rates for your healthcare and dependents. Coverage will not be activated
supplemental coverage options. until proof of eligibility is submitted and verified.
See page 4 for more information.
□ Check to see if your medical providers are
in-network at whyuhc.com/clorox if you’re □ Prioritize your health and well-being! Use the
considering a UnitedHealthcare (UHC) medical plan. resources available as part of your benefits and
wellness programs.
WHAT TO CONSIDER WHEN YOU ENROLL
□ Decide if you want to cover dependents. If you’re IMPORTANT REMINDERS
covering them for the first time, you will need to
provide proof of eligibility for each dependent • If you are a new hire, you must make your
within 60 days of enrollment (see page 4). benefits elections within 31 days of your
hire date.
□ Understand which benefits roll over year-to-year
• You must enroll in Clorox-sponsored medical
and which you need to actively choose each year
coverage to be eligible for:
during Annual Enrollment. Here are the benefits you
must sign up for each year, even if you’ve elected — Fertility coverage under our family-
them in the past: forming benefits
— Healthcare Flexible Spending Accounts (HCFSAs) — Travel & lodging benefits
and/or Dependent Care Flexible Spending
— Second Medical Opinion through
Accounts (DCFSAs)
Teladoc
— Your contributions to a Health Savings Account
(HSA), if you elect the PIH with HSA medical plan
— Additional time off through the Vacation CAN’T ACCESS CLXHUB?
Purchase Plan (VPP) for non-exempt (hourly)
If you’re outside of the Clorox network but
production and non-production teammates1
would like to enroll in your benefits, visit the
□ Review your personal information (home address, site directly at cloroxbenefits.com and log in.
personal contact information, etc.) in Workday
□ Review your health and welfare beneficiaries at
Clxhub > U.S. Total Rewards > Health & Welfare
Service Center.
□ Visit Clxhub > U.S. Total Rewards > Health & Welfare
Service Center to enroll in your 2023 benefits.
1 Learn more about the VPP by visiting Clxhub > Our Company > Policies &
Procedures > Vacation Purchase Policy.
page 3
Who’s eligible?
All U.S. teammates scheduled to work more than 20 hours per week are eligible
WORKING PARTNER
for Clorox benefits.
SURCHARGE
Your eligible dependents include:
If your partner is eligible to
• Your spouse or domestic partner (“partner”) enroll in their employer’s
• Your/your partner’s children under age 26 group medical coverage
but you decide to cover
• A child for whom healthcare coverage is required through a Qualified Medical
your partner under a
Child Support Order (QMCSO) or other equivalent court or administrative order
Clorox medical plan
• Children of any age who are dependent upon you due to a physical or instead, you’ll pay an extra
mental disability
$150 per month. (The
surcharge does not apply
Providing proof of eligibility if both partners work for
To enroll dependents in the medical, dental and vision plans, have their Clorox, and it does not
Social Security number (SSN) ready during enrollment (or as soon as possible apply to dental or vision
for newborns). coverage.)
You will have 60 days from your enrollment effective date to provide proof of
eligibility (e.g., birth certificate, hospital birth record, marriage license, tax return).
Otherwise, they will not be covered under your benefits. To submit the required
proof, visit Clxhub > U.S. Total Rewards > Health & Welfare Service Center.
Important Note: Once eligibility for benefits is verified, dependent coverage will
be effective retroactively to your eligibility date. All missed premiums will be
deducted within four paychecks.
DOUBLE CHECK YOUR
DEPENDENT INFORMATION
The Patient Protection and
Affordability Care Act requires
Clorox to report Social Security
numbers (SSN) annually for all
dependents enrolled in our health
plans. Review and, as appropriate,
update your dependents’ SSNs
and full names through the Clorox
Health & Welfare Service Center.
page 4
Your medical plan options
Clorox offers three national medical plans for all employees and a fourth option (Kaiser) for California residents.
All plans include prescription drug coverage, including a $5 in-network copay for certain preventive medications
to help protect against or manage a medical condition. You can also save money by using in-network
pharmacies and choosing generic versus brand-name drugs.
Partnership in Health (PIH) plans
IS MY PROVIDER IN-NETWORK?
The PIH plan options provide comprehensive medical
coverage and access to in-network and out-of-network Visit whyuhc.com/clorox to learn more
providers nationwide through UnitedHealthcare (UHC). about the three UHC plans and to search the
You have two Clorox-funded account options to pay/ provider network before you pick your plan.
save for healthcare expenses when you enroll in the PIH:
• PIH with Health Savings Account (HSA)1
• This plan has a smaller provider network than the
PIH plan, so if you are already established with a
• PIH with Health Reimbursement Account (HRA)1 provider, please check to make sure they are
in-network at whyuhc.com/clorox.
2023 will be the final year we offer the PIH with HRA
to teammates. If you do not currently have a PIH with • In most states, you are required to get a referral
HRA account or your HRA has a small balance, we from your PCP to see another in-network specialist
strongly encourage you to explore the PIH with HSA or PCP, except for certain medical emergencies or
plan, which has a similar plan design and additional OB/GYN services. For more information about this
advantages for teammates. process, visit cloroxbenefitsinfo.com.
• The Navigate Plan does not allow for out-of-network
If you choose the PIH with HRA, you may still enroll
benefits. It’s your responsibility to ensure providers and
in a Healthcare Flexible Spending Account (HCFSA)
facilities are in-network for the services to be covered
to contribute pre-tax dollars to pay for healthcare
by the plan and to avoid paying the full cost of services.
expenses not covered by the plan. If you choose the
PIH with HSA, IRS rules prohibit you from also opening • Of all of Clorox’s plan offerings, the Navigate plan:
an HCFSA, but you can use your HSA to pay for many — Has the lowest deductibles (the amount you
of the same expenses. pay for major services before the plan begins
to share the cost).
To learn more about how these accounts work,
see page 7 or visit cloroxbenefitsinfo.com. — Is the only Clorox medical plan to offer set
copays (the amount you pay for a covered
service at the time you receive it).
Navigate plan
This means you’ll pay less out-of-pocket and have
The Navigate plan provides comprehensive medical more predictability with how much you’ll pay with
coverage and access to in-network providers only the Navigate plan compared to other Clorox plans.
through UHC.
• You’ll be eligible to enroll in an HCFSA when you
Other things to know:
enroll in the Navigate plan, so you can still contribute
• You must select an in-network primary care provider pre-tax dollars to pay for healthcare expenses not
(PCP) during enrollment unless you live in one of covered by the plan.
these states (due to network availability): Alaska,
Connecticut, Delaware, Hawaii, Idaho, Minnesota,
Montana, North Dakota, Nevada, South Dakota, For specific details about deductibles, copays
Vermont, West Virginia and Wyoming. and other out-of-pocket costs, see the medical
plan coverage comparison on page 9.
1 If you’re hired during the plan year or have a change in status, company contributions to these accounts will be prorated.
page 5
BENEFIT PLAN DETAILS
To access prescription
drug formularies, official
plan documents, and
other benefit resources,
go to Clxhub > U.S. Total
Rewards > Health &
Welfare Service Center >
Main Menu > 2023 Benefit
Plan Materials.
Kaiser plan (California only)
STAY ON TOP OF
The Kaiser plan provides comprehensive medical coverage and access
YOUR HEALTH!
to in-network providers only.
All medical plans provide
Other things to know:
in-network preventive care
• A Kaiser facility, provider and pharmacy must be used, as there are that is 100% covered at
no out-of-network benefits within this plan, except in the case of no cost to you. Preventive
emergencies. visits are a great way to
• You can see your doctor, visit a lab and pick up prescriptions, all catch health issues before
in one trip. they become serious.
• All services and specialists must be managed or referred by your PCP,
except for certain medical emergencies or OB/GYN services. Your
PCP is your single point of contact, and they will coordinate all of your
healthcare, including office visits, prescriptions and referrals to specialists.
• The Kaiser plan is a deductible plan design, which means the deductible
must be met before the plan shares the cost of future services. Once
the deductible is met, you will pay coinsurance, which is a percent of the
actual cost of the service. See the medical plan coverage comparison
on page 9 for more details.
• Learn more about Kaiser’s integrated service model at kp.org.
• You’ll be eligible to enroll in a Healthcare Flexible Spending Account
(HCFSA) when you enroll in the Kaiser plan, so you can still contribute
pre-tax dollars to pay for healthcare expenses not covered by the plan.
page 6
PIH with HRA or HSA: how do they work?
PIH with HRA
2023 is the final year we will offer the PIH with HRA to teammates, so if you
choose it, be sure to plan ahead so you spend down your HRA account balance.
You will not have access to any unused HRA dollars as of Jan. 1, 2024.
If you choose the PIH with HRA, Clorox sets aside funds for you to use toward your
deductible: $500 if you only cover yourself, $750 if you cover your spouse or children, or
$1,000 if you cover your whole family. Clorox owns the account, so you can’t add funds to
it, and you forfeit any money left in the account when you leave the company or change
medical plans.
PIH with HSA
If you choose the PIH with HSA, you have more control • Save for retirement: The
over how you save and pay for healthcare expenses, HSA is a great way to save
tax free. Clorox will contribute to your HSA, and you for healthcare expenses
can also contribute pre-tax dollars up to IRS limits. You during retirement, including
can even transfer funds from another HSA into your Medicare premiums.
Clorox HSA, which won’t count toward your annual
• Enjoy full account ownership:
contribution limit.
The funds in the account
• Control your spending and saving: When you receive are always yours to keep — even if you later change
care, you decide if you want to pay with your HSA medical plans or leave the company.
dollars using your HSA debit card or pay out-of-pocket.
• Change your contribution amount any time: While
• Watch your money grow: There aren’t use-it-or-lose- you must elect to contribute funds to your
it rules or rollover limits with an HSA, so your dollars HSA when you enroll in benefits, you can change
grow year-over-year. You can save your money for how much you contribute at any point during
future healthcare expenses, even into retirement. the year.
Once your account reaches $1,000, you’ll earn
interest and have the option to invest some or all HSA CONTRIBUTIONS & LIMITS
of your money in a variety of funds through Optum
Clorox annual 2023 IRS
Bank. It’s like a 401(k) for your healthcare!
contribution1 annual limit
• Triple your tax savings: With an HSA, you save even
Employee only $500 $3,850
more in taxes. Your individual contributions, Clorox
contributions, withdrawals for eligible medical
Employee + $1,000 $7,750
expenses and income you earn from interest and family
investments are all tax-free federally. The HSA
is also tax-advantaged in most states; consult your Age 55+ $1,000 $1,000
catchup
tax advisor to determine which tax savings apply
in your state. (For example, California does not
Please note: Clorox’s annual contribution counts
recognize the HSA as pre-tax contributions.)
toward the IRS limit.
1 Clorox’s annual contributions are only available for active employees. If you are a new hire, you will receive a prorated contribution.
page 7
Eligible healthcare expenses
You can use your HSA dollars to pay for eligible expenses for yourself,
your spouse or eligible dependents, even if they are not covered under
your PIH with HSA plan. Eligible expenses include: AM I ELIGIBLE FOR
AN HSA?
• Medical and dental plan deductibles, copays and coinsurance
• Vision expenses The IRS has rules for HSA
• Prescription drugs
participation. Visit irs.gov
for a full list of eligibility
• Over-the-counter medications
requirements.
Visit Clxhub > U.S. Total Rewards > United Healthcare > Manage Your
Health Savings (HSA) > Frequently Asked Questions for common
examples of HSA-qualified medical expenses.
HOW DO THE ACCOUNTS DIFFER?
PIH with HRA PIH with HSA
Who owns the Clorox, which means you forfeit the You, which means you keep your money if you
account? money if you leave the company or change plans or leave Clorox.
stop participating.
Who can add funds Clorox adds $500–$1,000 annually, Clorox adds $500–$1,000 annually, depending
to the account? depending on who you cover. You on who you cover. You can also contribute up to
cannot add any funds yourself. an additional $3,350 (single coverage) or $6,750
(family coverage) tax-free. If you are age 55+, you
may contribute an additional $1,000 as a catch-up
contribution.
What happens The money is used to pay your You can do any combination of the following:
with the money deductible expenses automatically— • Use the money to pay for current healthcare
in the account? you don’t need to do anything. You expenses (deductibles, copays, prescriptions
will forfeit anything you don’t use as or HSA-eligible over-the-counter products).
of Jan. 1, 2024. Withdrawing money is tax-free.
• Save the money for future medical costs. You’ll
earn tax-free interest federally (and in most
states) on your HSA funds.
• Invest your HSA funds as you would a retirement
account to potentially increase your HSA
account balance for future medical expenses.
page 8Medical plan coverage comparison
Partnership in Health (PIH) Partnership in Health (PIH) Kaiser
Navigate — UHC
with HRA — UHC with HSA — UHC (California Only)
Out-of- Out-of- In-Network In-Network
In-Network In-Network
Network Network Only Only
Deductible
Employee only $1,400 $1,400 $1,500 $1,500 $100 $600
Employee + spouse or $2,100 $2,100 See employee + family $400 $1,200
partner or child(ren) amounts below
Employee + family $2,800 $2,800 $3,000 $3,000 $400 $1,200
Out-of-Pocket Maximum
Employee only $2,750 $5,500 $2,750 $5,500 $3,000 $2,750
Employee + spouse or $4,125 $8,250 See employee + family $6,000 $5,500
partner or child(ren) amounts below
Employee + family $5,500 $11,000 $5,500 $11,000 $6,000 $5,500
Company Contributions1, 2
Employee only $500 $500 N/A N/A
Employee + spouse or $750 $1,000 N/A N/A
partner or child(ren)
Employee + family $1,000 $1,000 N/A N/A
Common Services
Office visit: 20% after 40% after 20% after 40% after $20 / $40 20% after
PCP/specialist deductible deductible deductible deductible copay per visit deductible
Preventive care3 Covered in full Covered in full Covered in full Covered in full Covered in full Covered in full
Emergency room 20% after 20% after 20% after 20% after $150 copay 20% after
deductible deductible deductible deductible per visit deductible
Hospital inpatient 20% after 40% after 20% after 40% after $250 copay 20% after
admittance deductible deductible deductible deductible per visit deductible
Outpatient surgery 20% after 40% after 20% after 40% after $250 copay 20% after
deductible deductible deductible deductible per visit deductible
X-ray/lab 20% after 40% after 20% after 40% after 0% after 20% after
deductible deductible deductible deductible deductible4 deductible
Other services 20% after 40% after 20% after 40% after Varies by service 20% after
deductible deductible deductible deductible deductible
Pharmacy (Retail)
Preventive/ 1-30 days: 40% after 1-30 days: 40% after 1-30 days: 1-90 days:
maintenance $5 copay deductible $5 copay deductible $5 copay $5 copay5
31-60 days: 31-60 days: 31-60 days:
$10 copay $10 copay $10 copay
61-90 days: 61-90 days: 61-90 days:
$15 copay $15 copay $15 copay
Generic 20% after 40% after 20% after 40% after $15 copay 20% after
deductible deductible deductible deductible deductible up
to $50 max5
Formulary 20% after 40% after 20% after 40% after $30 copay 20% after
deductible deductible deductible deductible deductible up
to $100 max5
Specialty 20% after 40% after 20% after 40% after 40% up to 20% after
deductible deductible deductible deductible $100 max deductible up
to $100 max6
1 HRA and HSA amounts are prorated for new hires and new enrollees. 4 There is no deductible when the Lab / X-Ray charge is in an office location.
2 HRA maximum rollover amount is the sum of your prior 2 years HRA The deductible applies if there is no physician visit charge or it’s taken at an
contribution amounts and the current year allocation within your account. alternative facility or considered major such as an MRI or CT.
3 See a list of covered services at www.healthcare.gov/coverage/preventive- 5 Up to a 100-day supply after plan deductible.
care-benefits/. 6 Up to a 30-day supply after plan deductible.
page 9Making the most of your medical plan
There’s a lot more to our medical coverage than you might realize, and we want you to take advantage of everything
we offer to be well! You and your covered family members can access a number of additional options and resources:
Don’t put off preventive care Get help preventing & managing diabetes
It’s important to get annual check-ups and age- UHC’s Diabetes Health program helps those with
recommended screenings so you can detect any diabetes, who are pre-diabetic or at risk of high
health issues before they become more serious. blood pressure/high cholesterol better manage their
In-network preventive care is covered by all eligible condition and save money. Eligible participants (age
medical plans at no cost to you, so ask your doctor 5 and up) can access office visits, related in-network
about recommended screenings and other preventive lab work and a list of prescriptions and supplies. You’ll
care that make sense for you — such as annual automatically be enrolled based on previous health
physicals, mammograms and colonoscopies. claims or you can apply to UHC.
If you enroll in the PIH with HRA or Navigate plans,
Enjoy the convenience of virtual care there is no cost to you for services covered under this
program. If you enroll in the PIH with HSA, doctors’
Not feeling well? We want it to be easier for you to
visits, lab work and testing supplies will be covered at
get the care you need. Virtual care is a convenient
100% after you reach your deductible. Your plan will
way to talk with a doctor from the comfort of your
also pay 100% of your diabetes medication costs;
own home. All of our medical plans offer virtual phone
you do not need to meet the deductible first.
or video visits for things like allergies, eye infections,
flu, rashes, sore throats, stomach aches, COVID-19
symptoms and more. You may also be able to get Get a second medical opinion
a prescription virtually.
Teladoc Medical Experts provides access to a world-
For UHC plans, go to myuhc.com, download the class team of doctors. They’ll review your medical
UnitedHealthcare mobile app or call 855-615-8335. records and provide a confidential second opinion
You can also check in with your PCP to see if they about your diagnosis and treatment plan. This service
offer virtual visits. For Kaiser, go to kp.org/getcare, is provided at no cost to you and is available to anyone
download the Kaiser app or call 866-454-8855. enrolled in a Clorox-sponsored medical plan.
Go to teladoc.com/medical-experts or download the
Teladoc app to get started.
Protect yourself with vaccinations
Stay healthy and help those around you be well by getting your vaccinations. They are available at no cost to you.
Find a location near you:
COVID-19 vaccine/booster Flu shot
UHC members • uhc.com/health-and-wellness/health- • uhc.com/flushot
topics/covid-19/vaccine • Log in to myuhc.com > Find Care & Costs and
type Flu Shot in the search bar
Kaiser • kp.org/getcare • kp.org/flu
members • KP COVID Vaccine InfoLine: 855-550-0951 • Call NorCA: 800-573-5811 (800-KP-FLU-11) or
SoCA: 866-706-6358 (866-70-NO FLU)
Contact your healthcare provider or your state or local health department to find the latest local information
on testing.
page 10Additional medical protection:
supplemental health benefits
Even when you have health insurance, some medical issues
can lead to significant out-of-pocket expenses. For example,
consider the costs if you can’t perform your usual day-to-day
tasks like driving a car, cooking or watching your child because
of a medical condition. Supplemental health benefits are a
great way to protect your income and your family.
WHO IS SECURIAN?
We’ve partnered with Securian to offer three supplemental
health benefit options: Securian has been providing the
• Accident Insurance
highest quality supplemental health
benefits since 1880. We chose
• Critical Illness Insurance
Securian as our partner because we
• Hospital Indemnity Insurance know they’ll provide our teammates
with an exceptional customer
Accident Insurance service experience, innovative
technology to help you make well-
Accident Insurance provides you with a lump sum cash payment
informed benefits decisions and an
if you or a covered dependent suffer an injury from an accident
easy process when you need to file
covered under your policy. You can use the money however you
a claim.
wish, whether it be for medical or daily living expenses.
Payout amounts depend on the injury and how you receive
medical care (e.g., emergency room, urgent care, physician’s
office). Examples of covered injuries include broken bones, burns,
torn ligaments, concussions, eye injuries or ruptured disks, to
name a few.
NEED HELP CHOOSING THE BEST
SUPPLEMENTAL HEALTH BENEFITS?
With Securian’s Benefit Scout tool, take the
guesswork out of selecting and electing
your coverage. Benefit Scout is a unique
online educational tool that helps you learn
about which Securian benefits might be
best for your personal situation.
Securian also provides “Benefit Bump,” a
concierge service for growing families to
help navigate parental leave benefits and
return-to-work logistics.
Visit securian.com/clorox-insurance for
more information.
page 11Critical Illness Insurance
Critical Illness Insurance gives you a lump sum cash payment if you or a
covered dependent is diagnosed with a condition covered by your policy.
Like Accident Insurance, you can use the money any way you wish, whether
it be for medical expenses or daily living expenses.
GET PAID FOR Payout amounts are up to $30,000 for teammates and up to $15,000 for
STAYING ON TOP OF spouses and children, depending on the illness. Examples of covered
YOUR HEALTH! illnesses include heart attack, stroke, cancer, Alzheimer’s, paralysis, kidney
failure and major organ transplants.
With Critical Illness or
Hospital Indemnity
Hospital Indemnity Insurance
insurance, each member
of your policy will receive With an average cost of $10,000 EXAMPLES OF HOSPITAL
a $50 cash payout per year per hospital stay in the U.S., INDEMNITY PAYOUTS INCLUDE:
when they have a routine Hospital Indemnity Insurance
Benefit Amount
medical exam, such as a coverage may make financial
mammogram, pap smear, sense. Hospital Indemnity Hospital Admission $1,000 per visit
colonoscopy, PSA blood Insurance provides a pre-
Intensive Care Unit $1,000 per visit
test, stress test and more. determined lump sum cash
(ICU) Admission
payment if you or a covered
Enrolled in both of these dependent is hospitalized as a Hospital Stay $100 per day
benefits? You’ll receive the result of a serious accident or
ICU Stay $100 per day
cash payout under each— illness covered by your policy.
that’s $100 per person!
Hospital Indemnity Insurance includes pregnancy and is not dependent
upon the amount of your hospital bill or other medical benefits you do
or don’t have.
For detailed information about any of these supplemental health benefits,
visit cloroxbenefitsinfo.com for benefit summaries.
What do supplemental benefits cover?
Here are some of the most common events, treatments and injuries that qualify for cash payouts under
supplemental health benefit coverage. As the list of covered events is too long to mention here, visit
securian.com/clorox-insurance for more information.
ACCIDENT INSURANCE CRITICAL ILLNESS HOSPITAL INDEMNITY
• Broken bones • Heart attack or stroke • Hospital admissions and stays
• Burns • Cancer • ICU admissions and stays
• Torn ligaments • Alzheimer’s
• Concussions • Paralysis
• Eye injuries • Kidney failure
• Ruptured discs • Major organ transplants
page 12Benefits that support your unique journey
It’s our goal to provide benefits that offer something for everyone. So, when it comes to growing your family
or living true to your gender identity, we’ve got programs to support and your loved ones along your journey.
Family-forming benefits
Not everyone is on the same path when it comes to planning for or growing a family. Clorox offers a $20,000
combined lifetime family-forming benefit to help our teammates and their loved ones with their adoption,
surrogacy and fertility needs. The benefit is administered by Carrot, who will be there to help every step of the
way — from understanding the options available to finding the right provider and taking the next steps.
Employees will be eligible for reimbursement for a
comprehensive range of covered expenses, including: WHO IS CARROT?
• Fertility consultations
We picked Carrot
• Semen analysis to provide family-
• Fertility preservation for males and females forming benefits
because of their broad
• Genetic testing related to fertility (e.g., PGT-A, PGT-M)
network and the high-
• Intrauterine insemination quality, individualized
• In vitro fertilization care navigation and clinical expertise we
know they’ll provide every teammate.
• Transportation of reproductive material
Carrot is on a mission to make fertility
• Storage costs for eggs, sperm and/or embryos
and family-forming care accessible and
• Fertility medications affordable to all—regardless of age, race,
• Adoption assistance sex, sexual orientation, gender identity
or geography. For more information,
• Surrogacy assistance
visit app.get-carrot.com/.
• Healthy hormonal aging (menopause and low-T) support
ELIGIBILITY FOR FAMILY-FORMING BENEFITS
Adoption and surrogacy benefits — all benefits-eligible
teammates, spouses and domestic partners, regardless
of medical plan enrollment
Fertility benefits — teammates, spouses and domestic
partners enrolled in a Clorox-sponsored medical plan
Travel & lodging benefit
Where you live shouldn’t impact your access to the IRS guidelines require the benefit be used for costs
care you need. If no in-network provider is available related to transportation that is primarily for and essential
in your area, Clorox offers a $10,000 lifetime travel to obtaining medical care. For more information about
and lodging benefit to assist with travel beyond 50 eligible expenses under this benefit, visit irs.gov. The
miles to receive the care you need for all covered $10,000 benefit is a lifetime maximum per person on
medical services — including reproductive and gender your medical plan. Teammates, spouses and domestic
affirmation services. partners must be enrolled in a Clorox-sponsored medical
plan to take advantage of this benefit.
page 13Dental coverage
Healthy teeth and gums are essential to your overall
Coverage
health, so it’s important to maintain good oral hygiene
and visit the dentist regularly for checkups. Our Annual $50 per person, $150 per family
national dental plan through UnitedHealthcare (UHC) deductible
allows you to visit any dentist you choose, although
Preventive 100% (no deductible)
your costs will generally be lower when you visit in- care
network providers. Find an in-network provider at
myuhc.com > Find a Doctor > Find a Dentist. (Network: Coverage • Basic care: 80% ($2,000 annual
after meeting max per person)
National Options PPO 10).
annual • Major care: 50% ($2,000 annual
deductible
You also have access to SmileDirectClub through the max per person)
UHC dental plan as an alternative to traditional braces. • Orthodontic care: 50% ($1,500
The plan covers part of the cost of invisible aligners, lifetime max per person)
which are mailed directly to you and don’t require office
appointments. Go to their site for more details on pricing.
For detailed information about dental coverage, visit
Clxhub > U.S. Total Rewards > Health & Welfare Service
Center > Main Menu for a benefit summary.
Vision coverage
Good eyesight improves your quality of life, and getting
Coverage
your eyes checked regularly is a great way to make sure
you don’t miss anything. Vision Service Plan (VSP) is a Exam Every 12 months, covered after
national plan that gives you access to the largest network $10 copay
of independent doctors.
Lenses Every 12 months, covered after
$25 copay
Go to vsp.com to purchase contacts, glasses and
sunglasses. Look for the Shop tab on your VSP Frames Every 12 months, covered up to $150
dashboard and choose from more than 50 brands.
Find frames you like, try them on virtually and click Contact • Every 12 months, covered up to
lenses $130
Shop Eyeconic to use your vision benefit for your online
(instead of • Contact lens exam not to exceed
purchase. In addition to VSP’s network of doctors, glasses)
a $60 copay
Walmart and Sam’s Club are also part of the VSP
network. Don’t forget to schedule your eye exam today!
For detailed information about vision coverage, visit
Clxhub > U.S. Total Rewards > Health & Welfare Service
Center > Main Menu for a benefit summary.
page 14Stretching your dollars with
Flexible Spending Accounts (FSAs)
Set aside pre-tax dollars to pay for eligible expenses by contributing to a Healthcare FSA (HCFSA) and/or
Dependent Care FSA (DCFSA) through biweekly payroll deductions. IMPORTANT: You must actively enroll in
these programs to participate — elections do not carry over from year to year.
Keep in mind:
• The HCFSA and DCFSA are two separate accounts. You cannot use funds from one account to pay
expenses associated with the other.
• You may change your annual contributions during the year if you experience a qualified status change
such as marriage, divorce or the addition or loss of a dependent.
• If you leave the company, you will forfeit any unused funds on your last day.
• If you enroll in the PIH with HSA plan, you won’t be able to participate in an HCFSA since IRS rules state
that you can’t contribute to both plans. This also applies if you have been enrolled in an HCFSA during
the year through another company, including your spouse or partner’s employer.
Healthcare FSA Dependent Care FSA
How much Up to $2,8501 per teammate Up to $5,0001,2 household maximum unless
can I set married and filing separately. Then the maximum
If needed, you can use your funds at the
aside? is $2,5001 each for teammate and spouse/partner.
beginning of the year and pay your account
Those earning $125,0001 and above are capped
back through payroll deductions for the rest
at $1,5001.
of the year.
What Medical costs, prescriptions, dental and vision Expenses to care for your/spouse’s/partner’s
expenses are plan deductibles, coinsurance, and other children under age 13 and/or a dependent who is
eligible? related expenses, excluding premiums, are physically or mentally incapable of self-care and
eligible. who has the same principal place of residence
as the teammate for more than half of the year.
Includes expenses for day care centers, summer
day camps, nanny care services and elder care
facilities.
Can I carry Up to $5701 can be carried over for use in You cannot carry over unused funds.
over funds to the following year. You don’t have to enroll in
future years? the FSA the following year to use carryover
funds.
What is the All expenses must be incurred by Dec. 31 of All expenses must be incurred by Mar. 31 of the
deadline for the plan year. next plan year.
incurring an
expense?
What is the You have until Mar. 31 of the next plan year to You have until Jun. 15 of the next year to submit
deadline for submit reimbursement claims.3 reimbursement claims.3
submitting
expenses?
1 These are 2022 FSA limits. As of publication, 2023 FSA limits have not yet been announced by the IRS. If you elect an amount greater than the new maximum,
your election will be adjusted to the new maximum. Conversely, if the new maximum is higher than what’s listed here, you will be able to elect that higher
amount when you enroll. For the most up-to-date limits, visit irs.gov.
2 The amount you can contribute may be less due to IRS income limitation rules.
3 If you leave Clorox, any claims must be submitted before your last day. Any money remaining in the account will be forfeited per IRS rules.
page 15Income protection for you and your family
While you may not know what’s around the corner, you can protect yourself and your family financially when
the unexpected occurs with Clorox disability and insurance coverage.
Short- and long-term disability
Clorox provides short-term and long-term disability insurance at no cost to you. After a seven-day waiting
period, Clorox replaces a portion of your income if you are being treated by a doctor and unable to work.
We provide:
• Short-term disability: 100% annual base pay for six weeks, followed by pay at
ABOUT PROOF OF
66.67% for a specified number of weeks depending on your state of residence
GOOD HEALTH
• Long-term disability: 60% of annual base pay
Proof of good health
Life insurance and accidental death & dismemberment (also called Evidence
(AD&D) of Insurability) may be
required when electing
Clorox provides basic life insurance as well as accidental death & dismemberment supplemental life coverage
(AD&D) insurance at no cost to you equal to 1x your annual base pay, up to $1 million.1 if you elect more than 1x
your annual base pay.
You can also purchase additional life and AD&D insurance coverage:
Supplemental Life Insurance Supplemental AD&D Insurance
For You 1-7x your annual base pay, up to $2 million 1-7x your annual base pay
(Your basic and supplemental AD&D insurance
combined cannot exceed $2 million.)
For Your 1-4x your annual base pay, up to $250,000 1-4x your annual base pay, up to $250,000
Spouse/
(This coverage may not exceed your own (This coverage may not exceed your own
Partner (up to
70th birthday) combined basic and supplemental life combined basic and supplemental AD&D
insurance coverage.) insurance coverage.)
For Your Child $25,000 per child $25,000 per child
(up to 26th
(You pay one premium no matter how many (You pay one premium no matter how many
birthday)
children you cover.) children you cover.)
Life and AD&D Insurance: What’s the difference?
• Life insurance covers most cases of death, including accident and illness.
• AD&D insurance covers death from accidents. It does not cover death from natural causes like old
age or terminal illness. It will also pay out part of the benefit in some instances of injury or accidental
loss of limbs, and more.
1 If your basic life insurance exceeds $50,000, the value of the premiums Clorox pays is considered taxable income.
page 16Making the right choices
When it comes to choosing benefits, we all have different needs and priorities. While we’ve designed Clorox
benefits to offer as much choice as possible, we know that means you have a lot of options to consider. Thinking
about where you are in life right now — and looking ahead to what next year might bring — can help you consider
which benefits best fit your needs and budget.
LET’S SEE HOW THREE
HYPOTHETICAL CLOROX
TEAMMATES WEIGH HUDSON LAYLA JAVIER
THEIR OPTIONS.
MEET HUDSON Hudson reviews the triple-tax benefits and savings advantages
of a Health Savings Account (HSA), so he elects the PIH with
HSA plan. His goal is to contribute a little bit each paycheck and
treat it like another retirement account so he has funds to pay
for his medical costs when he gets older. Because the PIH with
HSA has a higher deductible than the PIH with HRA or Navigate
plans, he also enrolls in Accident Insurance, which will protect
him financially by giving him a payout if he suffers an injury while
surfing or mountain biking. Depending on the injury, he could
receive a few thousand dollars.
Hudson also enrolls in dental and vision coverage and makes
a point to schedule his annual physical and routine dental
Hudson is a recent college cleanings. They don’t cost him a thing, and he knows those
graduate. He’s single and regular checkups will increase his chances for peak health for
active, spending much of his years to come.
free time outdoors. He’s a
Since he’s contributing to an HSA, he’s not eligible for a
healthy guy who doesn’t have
Healthcare FSA, but he knows his HSA will cover many of
any chronic issues or planned
the same expenses. He’s also comfortable with the Clorox-
medical procedures coming
provided life insurance coverage, so isn’t going to “buy
up, but he wants to make sure
up” for additional protection. But, he will review his 401(k)
he’s properly planning for
plan contributions to make sure he’s getting the maximum
his future.
contributions from Clorox.
page 17MEET LAYLA
Layla is excited about welcoming their child and wants to
ensure she has the right medical coverage. She elects the
Navigate Network-Only Copay plan administered by UHC
for herself and Mariah. She knows birth and delivery will
result in higher medical costs, and she wants a plan that
feels more predictable. She would rather pay a little more
in premiums than the other plan options, but less at the time
of care. Plus, the Navigate plan has low copays for Mariah’s
generic medication.
Layla plans to deliver their child in the coming year, so she
elects Hospital Indemnity Insurance to receive a cash payout
for her hospital stay ($1,000 per visit plus $100 per day). She
Layla recently married her
also chooses to purchase Supplemental Life Insurance; Layla
long-term partner, Mariah,
wants to make sure her family is taken care of financially.
and moved into a high-rise
downtown. The two are excited And finally, she makes a note of the Dependent Care FSA.
about starting a family together, She plans to contribute once the baby is born. While
with a new addition expected she won’t need to pay for childcare until her 12 weeks
in March. While Layla is healthy of parental leave are up, she knows the pre-tax savings
overall, Mariah has a chronic from her FSA contributions will help make daycare more
condition that requires her to affordable once she returns to work.
take daily medication.
MEET JAVIER
Javier is 58 and married with two children away at college on
athletic scholarships. He covers his entire family and also cares
for his elderly mother, who lives with them. He is getting closer
to retirement and wants to make sure nothing will happen
financially to get in the way of his goals.
Javier elects the PIH with HSA plan and contributes the full IRS maximum of $8,750 ($7,750 plus his
$1,000 catch-up contribution). Aside from the tax advantages, he likes having the money set aside
in case unexpected health issues come up. He also elects all three Supplemental Health Benefits:
Accident Insurance ensures he has the funds to go visit his children should they get a sports injury,
and Critical Illness and Hospital Indemnity Insurance give him peace of mind in case he or his wife
are faced with an unexpected health issue.
Finally, Javier takes advantage of Caregiving Support through Clorox’s partnership with Helpr to
make sure his mother has the care she needs while he is at work.
page 18Be Well. Be You. With Spring Health,
our mental well-being partner
We know sometimes just a little bit of support can change everything. Clorox Join the more than 1,200
has partnered with Spring Health to provide teammates and family members a Clorox teammates and
cutting-edge Employee Assistance Program (EAP). With Spring Health, you have family members who are
access to easy-to-use services and tools that support all aspects of mental and already using Spring Health!
work-life well-being, including:
• Personalized care with a dedicated clinician: Care • Work-life services: Care Navigators help you find
Navigators are real people — licensed clinicians who support for your whole life, including financial
take away the guesswork during care. They’ll help services, child and elder care, legal assistance and
you find the right therapist and set appointments, much more. You can also review Spring Health’s
give advice and offer emotional support. online library for thousands of articles on everything
from family dynamics to personal and professional
• Confidential therapy: Meet with a therapist as soon
relationships.
as two days after you reach out. You and your
household family members (6 years and older) each
have eight (8) sessions per person, per year covered
by Clorox at no cost. Up to two (2) of those sessions CHILL WITH THE
can be used to discuss medication management CALM APP
with a psychiatrist.
• Coaching and guidance: Professional coaches can Get help winding down, dip your toe into
help you set and meet goals around managing mindfulness and find soothing bedtime
stress, relationships, focus and more. stories—for you and/or your children. Or
maybe you want sharper focus so you can
• Provider diversity: The Spring Health provider
unlock your own creativity. Available in six
network is designed to be as diverse as the people it
languages (English, French, German, Spanish,
supports. Therapists are available across a multitude
Portuguese and Korean), the Calm app has
of provider categories (including gender, ethnicity,
something for everyone and is paid for by
language and sexual orientation) and specialty areas
(including divorce, veteran support and grief).
Clorox. Download the Calm app, sign up using
your name and company email and create a
• Wellness exercises: Use Moments, an on-demand
password.
library of self-guided mindfulness and meditation
exercises to improve mental well-being, with
programs for anxiety, burnout, better sleep and more.
SPRING HEALTH CAN HELP
Spring Health is available year-
round to all teammates and their
household family members. Simply
visit clorox.springhealth.com
(access code: clorox) or
contact a Care Navigator at
careteam@springhealth.com or
855-629-0554 to begin.
page 19More resources for your wellness journey
We want you to achieve your goals — physical, mental, financial and everything in-between. That’s why we’ve got
programs to help you develop healthy habits to succeed on your personal wellness journey:
POINTS FOR PREVENTIVE CARE
Use Virgin Pulse to develop
healthy habits Here are just a few of the ways you can earn
points toward $100 in PulseCash.
Our well-being program tracker, powered by Virgin
Pulse, is designed to help you build healthy habits in all Activity Points Earned
areas of your life. As an additional incentive, you can
also earn $100 per quarter in PulseCash, which can Annual exam 4,000
be redeemed for popular gift cards, donations and Dental exam 2,000
merchandise. For more details, go to Clxhub > Quick
Links > U.S. Total Rewards > Wellness program. You can Vision exam 2,000
also sign up today by going to join.virginpulse.com/
Flu shot 5,000
clorox or by downloading the Virgin Pulse app.
COVID-19 vaccination 5,000
Try Real Appeal for real weight loss results
Want to develop healthier eating habits or lose a few pounds? We’ve partnered with Real Appeal, a web-based
weight management program, to help. The program provides you with a coach and online group sessions,
access to online tracking tools and a free success kit that you’ll receive in the mail. This is available to teammates
and dependents over age 18 with a BMI of 20 or higher who are enrolled in a UHC medical plan at no cost to you.
Go to clorox.realappeal.com or call 844-344-7325 to get started.
SHOP AND SAVE WITH CLOROX
Take advantage of your employee
discount on many of our products. Just
go to the brand website and create an
account with your Clorox email address.
• burtsbees.com
• naturalvitality.com
• neocell.com
• renewlife.com
• rainbowlight.com
page 20Taking the time you need
Rest and recharge • Bereavement leave: Take time off for the death of a
family member or friend.
Having time away from work to recharge is another
part of being well. We also know there are times when
• Unpaid sabbatical: Take up to 30 consecutive days
each calendar year with your manager’s approval.
you need to take care of personal matters.
Please work with your manager when taking time off
No matter what you need the time for, we’re here to
and use UltiPro, our time management system, to
help you. We provide:
record your time appropriately. Go to Clxhub > People
• Flexible Time Off (FTO): U.S. non-production & Culture > People Center > Compensation, Time &
exempt (salaried) employees have access to FTO. Benefits > U.S. Time & Pay info.
There is no limit to the amount of FTO you may
request for vacation, as long as business needs
and performance expectations are met. Bond with your new family additions
• Paid vacation time off: For our U.S. non-exempt Welcoming a new child into your life is a unique time.
(hourly) employees, we offer paid vacation time To support our parents, we offer generous fully- and
based on years of service. In addition, U.S. non- partially-paid parental leave for the birth or adoption
production, non-exempt (hourly) employees are of a child as well as the placement of a foster child:
eligible for four (4) floating holidays each calendar
• New birthing mothers will receive an average of
year, and U.S. production, non-exempt (hourly)
18 weeks of full-to-partial pay without needing
employees are eligible for six (6) flex days each
to supplement with other paid time off. The
calendar year.
exact amount of your leave will depend on your
• Vacation Purchase Program (VPP): During Annual personal situation.
Enrollment each fall, non-production, non-exempt
• All new parents will have 12 weeks of full-to-partial
(hourly) employees are eligible to purchase up to five
pay (4 weeks at 100% of your earnings followed by
(5) additional vacation days for the following year.
8 weeks at 60% of your earnings).
• Health and mental well-being time off: Care for
yourself or a family member’s physical and For additional details, go to Clxhub > People & Culture >
mental well-being. People Center > Compensation, Time & Benefits >
Taking a Leave.
Caregiving support
Finding reliable adult or child caregiving support can be challenging. We’ve partnered with Helpr to provide
you with caregiving resources.
• Care support: Talk with a Helpr Care Consultant child/adult/elder care provider (friend, sitter and
to get personalized help finding long-term and family members who are not dependents) and
temporary care solutions (e.g., nannies, day cares access a subsidy of $10/hour for backup care. See
and adult care). www.helpr-app.com/faq for their list of locations.
• Backup care: Clorox provides 60 hours of subsidized • Helpr Online: You can get online 1:1 academic support
backup care on a fiscal year basis for those times and interactive group play sessions for kids 6 months
when you need last-minute help. You can use old through high school. Copays vary at $5-$15/hour
the fully vetted Helpr Network in 15 states with a and will draw from the 60 hours of backup care.
copay of $5/hour. You can also upload your own
page 21Building your financial future
Feeling financially healthy and secure (or at least knowing you have a plan to get there) is important. Use these
programs to help you save money and plan for the future.
• 401(k) plan: Our market-leading plan through • Employee Stock Purchase Plan (ESPP): Purchase
Vanguard helps you save for retirement, with Clorox common stock through after-tax payroll
Clorox contributing up to 10% of pay as follows: deductions, and Clorox will cover the purchase fees.
For more information, visit Clxhub > Our People >
— As a new teammate, you are automatically
Learning and Development.
enrolled in the 401(k) plan with a 6% pre-tax
contribution. You may choose to increase or • GIFT: The Clorox Company Foundation will match
decrease your contributions — or opt out of your donations to nonprofits of your choice, up to
the plan at any time. $2,500 a year. Go to Clxhub > People & Culture >
Giving (GIFT) & Volunteering.
— After one year of service, you’re eligible
to receive a biweekly company matching • Business travel accident insurance: We’ve got
contribution of up to 4% of pay (vests you covered when you’re traveling on company
immediately) and an annual company business. Visit Clxhub > U.S. Total Rewards > Business
contribution of 6% of pay (vests over 5 years). Travel Program for more information.
• Ayco: Get help with budgeting, retirement planning,
estimating healthcare expenses, insurance needs REMEMBER AYCO FOR FINANCIAL
and more — at no cost to you. PLANNING SUPPORT
• Education assistance program: Get reimbursed
Ayco is our financial planning provider and can
for eligible education expenses up to $3,000 per
assist with planning your finances for today,
fiscal year. For more information, visit Clxhub >
Our People > Learning and Development.
tomorrow and the future. Ayco can help
you learn how to maximize your savings for
• Commuter program: Use pre-tax dollars to save
retirement and determine the right health plan
on your commute. Go to my.healthequity.com for
choice for you.
more information.
Set up an account by visiting Clxhub > U.S. Total
Rewards > Financial Planning (Ayco).
page 22Your resources
Topic Where to get information
Clorox Benefits Support
General Information Clorox Health & Welfare Service Center
• Annual Enrollment support • Single sign-on: Clxhub > U.S. Total Rewards > Health & Welfare
• General benefits questions Service Center
• Directly: cloroxbenefits.com
• Phone: 833-550-5600 (Mon-Fri, 6 a.m. – 5 p.m. PT)
Personalized Information U.S. Total Rewards website
• Total Rewards information • Single sign-on: Clxhub > Quick links > U.S. Total Rewards
• Total compensation
• Benefit contributions
• Retirement balances
“Our People” Support Our People website
• My development • Single sign-on: Clxhub > People & Culture > People Center
• Keep learning
• My pay & benefits
• Manager resources
• Quick links
Medical Coverage
UnitedHealthcare (UHC) Partnership in Health plans
(Group number: 225497) • Phone: 877-468-1028
• Online: whyuhc.com/clorox
Navigate plan
• Phone: 855-828-7715
• Online: whyuhc.com/clorox
Prescription benefits for all UHC plans (through OptumRx)
• Phone: 800-562-6223
• Online: whyuhc.com/clorox
Kaiser Permanente (CA teammates only) • Phone: 800-464-4000
• Online: kp.org
Teladoc Medical Experts • Phone: 800-835-2362
• Medical Second Opinion • Online: teladoc.com/medicalexperts
• Smartphone: Download the Teladoc app
Carrot app.get-carrot.com/
• Family-forming benefits
Securian • Phone: 855-750-1906
• Accident Insurance • Online: securian.com/clorox-insurance
• Critical Illness Insurance
• Hospital Indemnity Insurance
page 23You can also read
