Key terms

Barred employee

An employee who is covered by a collective bargaining agreement except to the extent participation in the Plan is provided under such agreement.

Benefits Administration

Benefits Administration references throughout this document change depending on your status as an employee, retiree or survivor. Unless specifically stated otherwise, you should contact the Benefits Administration entity as indicated in Information Sources section (see page 3).

Benefit service

Generally, all the time from the first day of employment until you leave the company's employment. Excluded are:

• unauthorized absences,
• leaves of absence of over 30 days (except military leaves or leave under the Federal Family and Medical Leave Act),
• certain absences from which you do not return,
• periods when you work as a non-regular employee, as a special agreement person, in a service station, car wash, or car-care center operations, or
• when you are covered by a contract that requires the company to contribute to a different benefit program, unless a special authorization credits the service.

Change in status

Life or work event that allows you to make changes to your elections during the plan year and outside of the annual enrollment period.

Child 

A person under age 26 who is:

• A natural or legally adopted child of a regular employee or retiree,
• A grandchild, niece, nephew, cousin, or other child related by blood or marriage over whom a regular employee, retiree, or the spouse of a regular employee or retiree (separately or together) is the sole court appointed legal guardian or sole managing conservator,
• A child for whom the regular employee or retiree has assumed a legal obligation for support immediately prior to the child's adoption by the regular employee or retiree, or
• A stepchild of a regular employee or retiree.
• Child does not include a foster child.

Claims administrator/processor 

UnitedHealthcare Vision, the third party administrator for UHIC, or affiliates, for claims.

Eligible employees 

Most U.S. dollar payroll employees of Exxon Mobil Corporation and participating affiliates. Full-time employees not hired on a temporary basis (also called regular employees) are eligible. 

The following are not eligible to participate in the Plan:  leased employees as defined in the Internal Revenue Code, barred employees, or special agreement persons as defined in the plan document. Generally, special agreement persons are persons paid by the company on a commission basis, persons working for an unaffiliated company that provides services to the company, and persons working for the company pursuant to a contract that excludes coverage of benefits.

Eligible family members

Eligible family members are generally your:

• Spouse
• A child who is described in any one of the following paragraphs (1) through (4):

1. has not reached the end of the month during which age 26 is attained, or

2. is totally and continuously disabled, meaning:

(a) He or she can't engage in any substantial gainful activity because of a physical or mental condition.

(b) A physician determines that the disability has lasted or can be expected to last continuously for at least a year or can lead to death.

3. incapable of self-sustaining employment by reason of mental or physical disability, provided the child:

(a) meets the Internal Revenue Service's definition of a dependent, and

(b) was covered as an eligible family member under this Plan immediately prior to age 26 when the child's eligibility would have otherwise ceased, and

(c) met the clinical definition of totally and continuously disabled before age 26 and continues to meet the clinical definition through subsequent periodic reassessment reviews, or

4. is recognized under a qualified medical child support order as having a right to coverage under this Plan.

A child who was disabled but who no longer meets the requirements of paragraphs two (2) to four (4), ceases to be an eligible family member 60 days following the date on which the applicable requirement is not met.

Please note: An eligible employee or retiree's parents are not eligible to be covered.

Qualified Medical Child Support Order

A Qualified Medical Child Support Order (QMCSO) is a court decree under which a court order mandates health coverage for a child. A QMCSO must include, at a minimum:

• Name and address of the employee covered by the health plan.
• The name and address of each child for whom coverage is mandated.
• A reasonable description for the coverage to be provided.
• The time period of coverage.
• The name of each health plan to which the order applies.

You may obtain, without charge, a copy of the Plan's procedures governing QMCSO determinations by written request to the Administrator-Benefits.

Regular employee 

An employee of a participating employer, whether or not the person is a director, who, as determined by the participating employer, regularly works a full-time schedule, and is not employed on a temporary basis.  The definition includes a person who regularly works a full-time schedule but who, for a limited period of time, is approved for a part-time regular work arrangement under the participating employer’s work rules relating to part-time work for regular employees.

Retiree

Generally, a person at least 55 years old who retires as a regular employee with 15 or more years of benefit  service and who has not thereafter recommenced employment as a covered employee or a non-regular employee.  Retiree status may also be attained by someone who is retired by the company and entitled to long-term disability benefits under the ExxonMobil Disability Plan after 15 or more years of benefit service, regardless of age.

Employees who terminate while non-regular are not eligible for retiree status regardless of age or service.

Special-agreement person 

Generally, a person paid on a commission or commission salary basis other than a person paid while employed by the Marketing Department of ExxonMobil; an employee providing service to a non-affiliated organization that pays the person's salary or wages; or an employee working pursuant to an agreement that specifically excludes the person from coverage for benefits.

Spouse; marriage 

All references to marriage shall mean a marriage that is legally recognized under the laws of the state or other jurisdiction in which the marriage takes place, consistent with U.S. federal tax law. All references to a spouse or a married person shall refer to individuals who have such a marriage.

Surviving spouse/survivor

A surviving unmarried spouse or child of a deceased ExxonMobil regular employee or retiree.

Suspended retiree 

A person who becomes a retiree due to incapacity within the meaning of the ExxonMobil Disability Plan and who begins long-term disability benefits under that Plan, but whose benefits stop because the person is no longer incapacitated. A person remains a suspended retiree until the earlier of the date the person:

• Reaches age 55, or
• Begins their retirement benefit under the ExxonMobil Pension Plan, at which time the person is again considered a retiree.

The family members of a deceased suspended retiree will be eligible for coverage under this Plan only after the occurrence of the earlier of the following:

• The date the suspended retiree would have attained age 55, or
• The date a survivor begins receiving a benefit due to the suspended retiree's accrued benefit from the ExxonMobil Pension Plan.

Trainee

An employee who is classified as a non-regular employee, but who has been characterized as a Trainee and has graduated from high school.