2014 benefits program final

2
Dear Colleague:
Annual Enrollment is always an important time to learn about the
Company’s benefit offerings for the upcoming year, and ensure you and
your family receive the coverage that’s right for you. Please take note of
several important points this year.
Medical Cost Increases
Health Care Reform and the changing medical
insurance climate continue to have an impact
on employers, including Macy’s, Inc. While
one of our goals is to effectively manage costs
for everyone, you will notice higher medical
premiums for the 2014 benefits plan year
(July 2014 through June 2015).
These higher premiums are due, in part, to new
fees being assessed to employer-sponsored
plans to help offset the cost of the new
government health care exchanges under the
Affordable Care Act (ACA). In addition, our
Company’s medical claims experience – the
type, frequency and cost – is used to determine
premiums levels. While premiums will be higher
than in 2013, you will continue to receive value
for comprehensive health care coverage, and
Macy’s, Inc. will continue to pay more than half
of the premium costs on your behalf.
Medical Options
As you evaluate your health care needs for the
new plan year, be sure to consider our Choice
option – a high-deductible health plan. The
Choice plan works in conjunction with a Health
Savings Account (HSA), and offers the lowest
premiums, thus an affordable way to protect
your health and manage your health care costs.
This is a great option for many of our associates
and could be right for you, too.
Looking ahead to next year (the benefit plan
year beginning July 2015), the Company will
transition to a medical benefit program known
as a “Consumer Directed Health Plan,” or
“CDHP.” Similar to other consumer purchases,
we want you to be empowered to shop around
for care while considering the cost and quality.
As part of your benefit options, we will further
equip you with more tools and resources to help
you take a proactive approach to understanding
your options, making informed decisions, and
finding the most appropriate care for you and
your family.
Opportunities to Live Healthy
Early detection can lead to better outcomes and
reduced medical costs, so we’re providing you
opportunities for you and your family to lead
healthy lifestyles and enjoy a greater quality of
life. For example, if you are enrolled in an Aetna
or Cigna medical plan, you and your covered
spouse/partner can take part in the Know Your
Numbers program. Taking good care of your
health is important to us, and that’s why we will
once again provide you an incentive just for
participating in this program!
Our goal as a company is to create an
environment where benefit options help you
make the best decisions about your overall
health and wellness. Take some time to explore
all that your 2014 benefits have to offer so you
can reach your health, lifestyle and financial
wellness goals.
Live Healthy,
Bill Allen
Chief Human Resources Officer

Questions? Visit IN-SITE or call HR Services at 1-800-234-MACY (6229) • 3
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Even if you already receive benefits emails, be sure to check back – we’ve added more options!
To sign-up on IN-SITE, select Personal Information from the Profile drop-down menu –
add your email address and select your preferences!
Macy’s, Inc. is required by law to provide to you Summary of Benefits and Coverage (SBC) charts for the medical
options you are eligible for, so you may compare Macy’s, Inc. benefit options with other options. These charts are
available on IN-SITE. A glossary of terms is available at dol.gov/ebsa/healthreform.
This summary is an overview only. The terms and conditions of the benefits described are determined solely by the
Program’s summary plan descriptions or plan documents and summaries of material modifications. As in the past, the
Company reserves to itself, pursuant to its sole and exclusive discretion, the right to change, amend or terminate these
Programs without regard to satisfaction of prior eligibility concerns. Benefits described herein may not automatically apply to
associates at all locations or associates covered under a labor agreement or employed by a leased or licensed department.
Live Healthy program participation and results are confidential and protected by federal and state privacy laws.
Keep This Booklet and Share It with
Your Family!
Where Can You Find More?
Visit the Benefits section on IN-SITE for more
in-depth information including:
• Benefits Highlights
• Common Definitions
• Comparison Charts
• FAQs
• Important Forms
• Summary Plan Descriptions
• Videos
• and much more!
HR Services can help! Call 1-800-234-MACY
(6229). For assistance in other languages,
ask for the “Language Line.”

4
What’s Inside
Annual Enrollment
Enrollment Checklist .......................................................................................... 5
What’s New or Changing July 1, 2014 ............................................................... 6
Health Care Reform............................................................................................ 6
Live Healthy
Medical Options ................................................................................................. 7
Dental Options ................................................................................................... 7
Prescription Drug Program................................................................................. 8
Employee Assistance Program (EAP) ................................................................. 8
How To Be a Health Care Consumer............................................................9–10
Free Tips & Tools to Save on Health Care........................................................ 11
Know Your Numbers...................................................................................12–13
Metabolic Syndrome ........................................................................................ 14
Free Health Plan Programs............................................................................... 15
Enjoy Life
Flexible Spending & Health Savings Accounts................................................. 16
Income Protection ............................................................................................ 17
Optional Life Insurance & AD&D Programs ..................................................... 18
Additional Beneﬁts ........................................................................................... 19
Save Actively
Retirement Program .................................................................................. 20 –21
Additional Information
Eligible Dependents & Qualifying Events ........................................................ 22
Helpful Resources............................................................................................. 23

Enrollment Checklist
Annual Enrollment is May 22 – June 10, 2014
Annual Enrollment is the time to enroll in or make changes to your benefits.
If you take no action, your current elections will remain in effect for the 2014 plan year (July 1,
2014 – June 30, 2015), with the exception of Flexible Spending Accounts (health care and/or
dependent care FSAs). If you wish to participate in an FSA, you must re-enroll every year.
Even if you’re not making changes, it’s always a good idea to review your elections, premium
costs and beneficiary information.
Familiarize yourself with the options
throughout this booklet, including the
important changes on page 6.
Consider your medical needs and
expenses for the year. Are you
enrolled in coverage that meets
your needs? Have you considered
your FSA or Health Savings Account
(HSA) contributions?
Enroll in, change or waive your benefits
by visiting the “Enroll Now” link on the
“Benefits” page of IN-SITE.
Your annual enrollment link will be
active May 22 – June 10, 2014.
Get the latest information right in
your inbox! During the enrollment
process, you’ll have the option to
opt-in to receive important benefits
information via email.
Verify your mailing address.
Review and update your beneficiaries
and enrolled dependents – check
birthdates and Social Security numbers.
Review and update your tobacco
designations.
Once you’ve finished making
your elections, click the “Confirm
Elections” button or your updates
will not take effect!
Email or print your Confirmation
Statement for your records.
• Contribution changes will appear on your pay statements beginning in July 2014. Remember,
if you do not enroll, change or waive your benefits now, you will not have an opportunity to
make changes until the next Annual Enrollment period, or when a qualifying event occurs.
• It’s also a great time to review your 401(k) Plan contributions. Review page 20 for more
information about saving for your future.

What’s New or Changing July 1, 2014
Health Care Reform
The Affordable Care Act is designed to provide more Americans with access to health care. Our goal
as a company is not only to comply with this law, but also to help you navigate through the changes.
You may ask, “Do I have to enroll in medical coverage?” Choosing to enroll is a personal decision.
Securing medical coverage may offer peace of mind and it’s an important factor in maintaining overall
health and well-being. The IRS plans to assess penalties to individuals on their 2014 income tax returns
if they do not obtain or maintain coverage in 2014.
If you missed the Health Insurance Marketplace’s March 31, 2014, enrollment deadline for medical
coverage, you may consider enrolling in coverage through Macy’s, Inc. (if you are eligible). If you do
not enroll in the Macy’s, Inc. Health Care Program, the next Health Insurance Marketplace annual
enrollment is scheduled for Oct. 1, 2014, for coverage effective Jan. 1, 2015. Please note, if you elect
pre-tax coverage through Macy’s, Inc., you cannot cancel your coverage to enroll in coverage through
the Health Insurance Marketplace.
Visit the Beneﬁts section of IN-SITE and select, “Health Care Reform” to access helpful videos,
FAQs and a link to the Health Insurance Marketplace website (healthcare.gov; cuidadodesalud.gov).
Medical (see page 7 for details)
Choice Select and Choice Premier Medical Options Copayments will now go toward reaching the plan’s
out-of-pocket maximum.
For Choice Select the family in-network out-of-pocket
maximum will decrease to $12,700.
Optional Life Insurance (see page 18 for details)
Optional Life Insurance Program During this Annual Enrollment only, current participants
can increase coverage one multiple of pay without a
Statement of Health.
Coverage of 7 or 8 times (up to maximum of $2.5 million)
may now be elected.
Prescription Drug Program (see page 8 for details)
Express Scripts, Inc. (ESI) Copayment maximums increased by $10.
A new tier has been added for specialty drugs, with a
$150 copay per 30 days.
Flexible Spending and Health Savings Accounts (see page 16 for details)
Health Care and Limited Flexible Spending Accounts Participants can now carry over $500 to the next plan year.
Health Savings Account The contribution limit for an individual increases to
$3,300, and the limit for families increases to $6,550.
Kaiser California Medical Options These options are discontinued for new enrollees.
Know Your Numbers Incentive The program incentive of $50 or $100 per month will be
paid January – June 2015. Check out pages 12–13 for
more details.
Dependent Care Flexible Spending Accounts Beginning in July 2014, part-time associates will no
longer be eligible to participate in the Dependant Care
FSA program.
The highly-compensated executives contribution limit
decreases to $1,000.
6

Don’t forget,
when you enroll
in a Healthy Choicesoption, you can takeadvantage of severalLive Healthy programs
with incentive
opportunities!
Medical Options
There are three Healthy Choices options
administered by Aetna and Cigna from which to
choose. All Healthy Choices options – Choice,
Choice Select and Choice Premier – provide
benefits and services through a national network
of providers.
The Choice option is a “high-deductible
health plan” (HDHP), meaning you pay less out
of your paycheck, but your deductible will be
higher when you need services. An HDHP is
intended to work with a Health Savings Account
(HSA). Be sure to consider this option to help
protect your health and manage your health
care costs.
If you enroll in Choice Select or Choice
Premier, you’ll pay copayments for services such
as doctor office visits and prescription drugs.
See page 16 for details on how the Healthy
Choices plans work with HSAs and FSAs.
Effective July 1, 2014, for the Choice Select
and Choice Premier medical options,
copayments will now go toward reaching the
plan’s out-of-pocket maximum. Additionally, for
Choice Select, the family
in-network out-of-pocket
maximum will decrease from
$15,000 to $12,700. Be sure to review the
Comparison Charts and Summary Plan
Descriptions on IN-SITE for coverage details.
Certain geographic areas offer an additional
HMO option, which requires you to use a
limited network of providers and select a
primary care physician.
In order to comply with the new benefits
eligibility waiting periods mandated by state
and federal laws, the Kaiser California option
will no longer be offered to new enrollees,
effective July 1, 2014. However, if you are
enrolled as of June 30, 2014, you may choose to
continue your Kaiser coverage for the new plan
year, as long as you remain eligible and enrolled.
A tobacco surcharge will apply again for the
new plan year. See page 15 for details on free
tobacco cessation programs.
METLIFE MOBILE metlife.com/mybenefits | (888) 262-4883
Dental Options
MetLife dental options are offered to eligible part-time and
full-time associates. Hawaii and Guam residents are offered
Hawaii Dental Service (HDS). Both MetLife and HDS offer
a PPO network, meaning you can go to any provider you
choose, but significant discounts apply if you stay in-network.
Depending on your zip code, you may also be offered the
Aetna DMO option. You must select a primary care dentist in
the Aetna DMO network if you choose this option.
Schedule your regular
dental check-ups! Each
plan year, participants
receive two in-network
dental cleanings at
absolutely NO COST!

8 • Live Healthy
Prescription Drug Program
If you’re enrolled in Aetna, Cigna, or HMSA (Hawaii), your prescription drug
coverage is administered by Express Scripts, Inc. (ESI).
If you’re on a maintenance medication, sign-up for ESI’s home delivery
program, and enjoy the convenience of having your medications shipped to
your home.
• Copay maximums for prescription purchases are increasing by $10.
• Also, a new specialty drug tier has been added. Specialty drug copays are increasing to
$150 for a 30-day supply, and $450 for a 90-day supply. Please note, 90-day supplies of some
specialty medications are not available.
2014 Prescription Drug Chart for Retail and Home Delivery Purchases
Retail – 30-day Supply Home Delivery – 90-day Supply
Premier & Select
Generic 20% coinsurance; with a 20% coinsurance; with a
$10 min and a $40 max copay $25 min and a $100 max copay
Brand 30% coinsurance; with a 30% coinsurance; with a
$20 min and a $70 max copay $50 min and a $175 max copay
Non-formulary Brand 50% coinsurance; with a 50% coinsurance; with
$35 min and a $110 max copay $87.50 min and a $275 max copay
NEW Specialty $150 copay, 30-day supply $150 copay, 30-day supply
$300 copay, 60-day supply $300 copay, 60-day supply
$450 copay, 90-day supply $450 copay, 90-day supply
Choice 20% coinsurance after deductible 20% coinsurance after deductible
Visit IN-SITE to view the formulary, a listing of
preferred generic and brand name prescription
medications. Generic medications are the clinical
equivalent of their brand name counterparts. You’ll
also find a listing of specialty drugs, drugs requiring
prior authorization, drugs with limitations and those
not covered.
Home deliveryis safe and easy andcan be less expensivethan a traditional
pharmacy!
Employee Assistance Program (EAP)
The Optum Employee Assistance Program (EAP) provides free, confidential 24/7 support for
those everyday challenges, more serious problems and everything in between. This program is
available to everyone enrolled in a Macy’s, Inc. medical plan, including family members.
Through the EAP, you can access help and resources for situations such as: locating elder care;
securing credit and financial counseling; managing marital issues; depression; parenting or work-
related stress; and coping with the loss of a loved one.
Receive assistance over the telephone, or make arrangements to meet face-to-face with an
approved counselor in your area, and receive up to five covered visits.
Access the EAP: 1-888-980-8115; liveandworkwell.com; Access Code: 5921

How To Be a Health Care Consumer
Being a “heath care consumer” means making informed decisions around your health care,
including providers, procedures, and costs, which can save you money and lead to better outcomes.
Health care consumerism is taking a proactive, hands-on approach to your health care needs, and
understanding all of your options. Like with other consumer purchases, you should evaluate your
health care options, determine how much each will cost and make the right decisions for your needs.
What Is It? Details
The amount you pay each paycheck for your
medical option. You must pay your premium
to keep your coverage active, regardless of
whether you use it or not.
Varies by medical option. To review premium
rates for the 2014 plan year, visit IN-SITE.
The amount you pay every year toward your
medical bills for non-preventive services before
the plan starts sharing costs with you.
Varies by medical option. If your plan has a
$900 in-network deductible, you pay your own
medical bills up to $900 for the year.
The percentage of the cost you’ll pay for
medical care once you meet your deductible.
Varies by medical option. If you have an “80/20”
plan, the plan pays for 80% of the costs after
you’ve met your deductible. You pay for 20%, up
to your out-of-pocket maximum.
The flat fee you pay every time you go to the
doctor or fill a prescription.
Varies by service and plan. If your plan has a
$25 copayment for doctor’s office visits, you
pay $25 each time you go.
The maximum amount you’ll pay for health
care each plan year, including your copays and
deductible, before the plan pays at 100%.
Varies by medical option.
Premium
Copayment
(or “copay”)
Deductible
Coinsurance
Out-of-
Pocket
Maximum
Preventive
Services
Routine health care services that include
screenings, check-ups and immunizations that
are covered at 100%.
There’s no charge for these services; the plan
covers at 100%.
Where Do You Start?
GET TO KNOW YOUR PLAN. The first step is to understand your
coverage. Review Benefit Comparison Charts available on IN-SITE.
These charts provide details about the services your plan covers so
that you know your options and can be prepared.
UNDERSTAND THE “NUMBERS.” Health care costs include deductibles,
coinsurance and copayments, which all work together to pay for
health-related expenses. When you have a clear understanding about
all the costs, you feel in control, helping you make the right choices.
USE TIPS AND TOOLS TO EVALUATE COST AND QUALITY. Cost and
quality are two very important factors when considering your health
care expenses. Prices for medical services can vary greatly – even
for the same procedure, in the same area, with the same coverage.
Quality can vary just as greatly, too, often with no relationship to the
price you pay. The only way to know whether you’re getting good
care at a reasonable price is to be a good health care consumer. For
details and help, check out the tips and tools on page 11.
Key Terms to Get to Know Your Plan and Understand the “Numbers”

10 • Live Healthy
Key Plan Features of the Healthy Choices Options
Plan Feature Choice Choice Select Choice Premier
In-network Annual Deductible $1,500 / $3,000 $900 / $2,700 $700 / $2,100
(individual/family) (includes prescriptions)
In-network Out-of-pocket $5,000 / $10,000 $5,000 / $12,700 $4,000 / $12,000
Maximum (individual/family)
In-network Primary Care You pay 20% coinsurance after $25 / $35 $25 / $35
Physician Office Visit/ deductible (up to your out-of-
Specialist Office Visit Copay pocket maximum)
In-network Preventive Care Covered at 100% Covered at 100% Covered at 100%
In-network Coinsurance You pay 20% You pay 30% You pay 20%
After Deductible (up to your
out-of-pocket maximum)
HSA contribution from you Total HSA contribution cannot None; you cannot None; you cannot
exceed the IRS limit of $3,300 contribute to an HSA contribute to an HSA
for individual coverage, or
$6,550 for family coverage
Health or Limited FSA $2,500 (IRS limit); you can only $2,500 (IRS limit) $2,500 (IRS limit)
contribution from you contribute to a Limited Flexible
Spending Account
To review and compare detailed plan features, visit the “Benefits” section of IN-SITE to
review the Benefit Comparison Charts and Benefits Highlights.
Consider the Choice Option
A high deductible health plan is an economical way to help protect your health because it provides
greater control over your own health care expenses. Here’s how it works:
• Your deductible is higher than other health
plans, but your premium is lower (meaning
less comes out of your paycheck),
• You cover 100% of routine health care
expenses until your plan year deductible is
met, and
• Once you meet your deductible, you pay 20%
(coinsurance) of your of your health care costs
up to your out-of-pocket maximum.
• Plus, with Choice, all your health care
and prescription drug costs apply toward
the overall deductible and out-of-pocket
maximum.
The Choice option coordinates with a Health Savings Account (HSA) to pay for qualified medical
and prescription drug expenses. You can also enroll in the Limited Flexible Spending Account to
pay for eligible dental and vision expenses. With your premium being lower, consider putting the
additional funds into your HSA to help cover costs. See page 16 for more details on HSAs.

Free Tips & Tools to Save on Health Care
From providers to prescriptions, use these 17 FREE cost-saving tools and effective tips to make
informed decisions and manage your health care expenses.
• STAY IN-NETWORK You’ll
pay less for services and your
co-insurance and out-of-pocket
maximum will be lower, too.
• 24-HOUR NURSE LINE
Anytime, any day, receive answers
to your health questions by a
licensed professional. Know
before you go! The cost difference
between a visit to the ER, urgent
care and your doctor’s office is
hundreds of dollars. Take control
of your health care spending and
use this resource to help you make
the most informed decision.
• iTRIAGE An Aetna
mobile app that anyone can
use. Figure out what could
be wrong, and where you can go to
get treated.
• CONSIDER A FREE-
STANDING RADIOLOGY
PROVIDER A freestanding
radiology provider is not affiliated
with, or part of, a hospital. You’ll
most likely pay a lower amount
out of your pocket when you use
a freestanding facility instead of a
hospital for radiology services such
as CT scans and MRIs.
• QUEST DIAGNOSTICS
Consider Quest Diagnostics, an
in-network provider, for affordable
lab work. It’ll save you money!
• POWER IN PREVENTION Take
advantage of the plan’s free in-
network preventive care services.
Check-ups, recommended
immunizations and screenings not
only keep you in tip-top shape, but
detect issues early to save even
more on future health care costs.
• GO GENERIC Ask your doctor
for a generic equivalent – they cost
less, are FDA-approved and are
equally-effective for most people.
• USE ESI HOME DELIVERY
Save time and money! 90-day
supplies cost less than a traditional
pharmacy. You also have unlimited
access to pharmacists day or night.
• EXPRESS SCRIPTS
MOBILE APP
View lower-cost
options; sign-up, refill or renew
with home delivery.
PRESCRIPTIONS
MEDICAL SERVICES
Aetna & Cigna
aetna.com
• ONLINE MEMBER PAYMENT ESTIMATOR
•
•
• AEXCEL®
NETWORK DESIGNATION
•
•
• WELVIE Use this free, online decision tool to help you
decide if a surgery is right for you. (Upon login, select
“Care & Treatment,” then “Prepare for Surgery”).
•
• Aetna
Mobile App
myCigna.com
• ONLINE COST CARE ESTIMATOR
•
•
• CIGNA CARE DESIGNATION
• CLEVELAND CLINIC MYCONSULT SERVICE
Free, secure, online access to Cleveland Clinic’s
physician specialists for over 1,100 diagnoses.
•
• myCigna
Mobile App
SHOP AROUND & COMPARE PRICES
Compare costs for services, facilities and providers in advance. Create a true estimate of your payment responsibility
based on the plan you’re in.
GO FOR QUALITY
When looking for providers, look for these designations – they are only given to providers who meet specific
clinical quality criteria.
SEEK A SECOND OPINION
The first recommendation for treatment may not always be the best from a cost and quality standpoint. Make fully-
informed decisions about your healthcare by seeking alternate opinions.
THE SUPPORT YOU NEED WHILE ON THE GO

12 • Live Healthy
Know Your Numbers
When you know your numbers – such as height, weight, blood
pressure, cholesterol, body mass index and glucose (blood sugar),
you are taking a big step toward understanding and improving
your overall health. Plus, you can identify health issues, such as
metabolic syndrome, early.
Participation Is Easy!
1
Complete Your Wellness Screening: Feb. 1 – Aug. 31, 2014
Visit a Macy’s On-Site Screening Event, Quest Diagnostics Patient Service
Center (PSC) or your physician.
– AND–
2
Complete and Submit Your Online Health Assessment:
July 1 – Aug. 31, 2014
Beginning (no earlier than) July 1, simply visit your carrier’s website to
complete by Aug. 31, 2014.
Aetna participants: visit aetna.com
Cigna participants: visit mycigna.com
– THEN–
You’ve earned the Medical Premium Reduction Incentive
Complete steps 1 & 2 no later than Aug. 31, 2014, and you will receive a
$50 premium reduction per month if either you or your spouse/partner complete
both steps in the program, or $100 premium reduction per month if both you and
your spouse/partner complete both steps in the program. The incentive will be
paid January 2015 – June 2015.
COMPLETE BY: Aug. 31, 2014
WHO CAN PARTICIPATE: Associates and covered spouses/partners enrolled in a Macy’s, Inc.
Aetna or Cigna medical plan. Please note, associates covered by a collective bargaining
agreement may be excluded.
AETNA AND CIGNA
MEMBERS
Receive a $50 or $100/monthpremium reduction if you and/oryour spouse/partner participate.
Paid January – June 2015.

Know Your Numbers – Additional Details
1
Complete Your
Wellness Screening
Feb. 1 – Aug. 31, 2014
Three convenient screening options:
A QUEST DIAGNOSTICS PATIENT SERVICE
CENTER (NEARLY 2,000 LOCATIONS NATIONWIDE)
A QUEST DIAGNOSTICS ON-SITE SCREENING
EVENT (SELECT MACY’S LOCATIONS ONLY).
To schedule your appointment for either of
these options, visit my.blueprintforwellness.
com or call 1-866-908-9440, registration key:
macys. You’ll need to provide your 8-digit
associate ID (ex. 12345678). Spouses/partners
will need to use the primary cardholder’s 8-digit
associate ID plus ‘S’ (ex. 12345678S). If both
participants are Macy’s, Inc. associates, both
must use the primary cardholder’s associate ID
number. Provide your own date of birth.
Please note, Quest Patient Service Centers and
Call Centers are closed on Sundays.
YOUR PHYSICIAN’S OFFICE. If you choose this
option, your physician must complete the 2014
Physicians Results Form located on IN-SITE, so
be sure to print the form. Any payment required
by your physician to complete the form will not
be reimbursed by Macy’s, Inc.
You or your physician must fax the completed
form to Quest Diagnostics at 1-855-794-1391,
no later than Aug. 31, 2014. Be sure to keep a
copy of the fax transmittal for your records.
2
Complete and Submit
the Conﬁdential Online
Health Assessment:
July 1 – Aug. 31, 2014
Simply visit your carrier’s website between July 1
and Aug. 31 to complete (or update if previously
participated) your online health assessment;
you’ll answer a series of questions about your
health and lifestyle habits. If needed, you may
complete your health assessment before you
receive your screening results (not before
July 1, 2014), but you should go back and input
your results when you receive them. Your results
and answers are conﬁdential and no one at
Macy’s, Inc. can access them.
Aetna participants: visit aetna.com;
Cigna participants: visit mycigna.com.
First time users need to register and create a User
Name/ID and Password.
Earn the Medical Premium Reduction Incentive!
To earn the incentive, associates must be actively employed; associates on leave of absence
will not receive the incentive until they return to work, but the incentive will be paid retroactively.
Associates who terminate active coverage but enroll in COBRA will continue to receive the incentive.
Monthly premium reductions will be paid out January 2015 – June 2015.
Both Quest
Diagnostic options are
free and you will receive
your results from Quest
Diagnostics in approximately
3–5 days via email (if
applicable) and 2 –3
weeks via mail.

14 • Live Healthy
Metabolic Syndrome
Metabolic syndrome is a group of ﬁve risk factors. While individually these conditions may not
be serious, together they increase the risk of cardiovascular problems, heart disease, diabetes,
stroke and other serious medical conditions. If you have three or more of the listed risk factors,
you are classiﬁed as having metabolic syndrome.
1 HIGH BLOOD PRESSURE GREATER
THAN 130/85 MMHG.
2 HIGH FASTING BLOOD SUGAR
(GLUCOSE) GREATER THAN 100 MG/DL.
3 ELEVATED TRIGLYCERIDES GREATER
THAN 150 MG/DL.
4 A LOW HDL CHOLESTEROL LEVEL
BELOW 50 MG/DL FOR WOMEN AND
BELOW 40 MG/DL FOR MEN.
5 A WAIST CIRCUMFERENCE GREATER
THAN 35 INCHES FOR WOMEN AND
40 INCHES FOR MEN.*
*Please note, BMI is collected with a Know Your Numbers
screening; you may want to follow-up with your doctor
for a waist circumference screening.
If you’re at risk, be sure to schedule an appointment
with your doctor today. For more information on
metabolic syndrome, speak with your doctor, visit
your carrier’s website, or visit IN-SITE.
DO YOU HAVE A PRIMARY CARE
PHYSICIAN? If not, visit your
carrier’s website to search for a
provider that’s close to you. When
choosing a provider, consider one
that is in-network.
According to the American
Heart Association, metabolic
syndrome can lead to...
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Free Health Plan Programs
1 Healthy Lifestyle
Coaching Program
The Healthy Lifestyle Coaching program offers
Aetna and Cigna members the opportunity to
work one-on-one with a highly-trained wellness
coach. The program allows you and enrolled
dependents to choose a goal to achieve, whether
it’s to stop using tobacco, lose weight, exercise
more, or manage stress and depression – you
make the call.
When you enroll, your wellness coach will stay
with you throughout the program and celebrate
your successes. Contacting your coach is easy
and convenient – by telephone, chat or email. You
can also access online programs 24/7 to enhance
your coaching sessions. It’s easy to get started,
just contact Aetna at 1-877-290-4539 or Cigna
at 1-800-558-8361 to enroll! All other medical
plan participants (tobacco cessation only), call
CareAllies Quit Today at 1-866-427-7848,
option 2; mycareallies.com (password: macys).
For alternative tobacco cessation plans, contact
HR Services.
2 Nurse Advisor Program
The Nurse Advisor Program offers Aetna
and Cigna members a team of reliable,
compassionate health specialists – including
individuals trained as nurses, coaches,
nutritionists, clinicians and counselors – who will
listen, understand your needs and help you find
solutions, even when you’re not sure where to
begin. The program offers:
• Partnership and support with a Nurse Advisor
team member;
• Assistance to better manage conditions,
such as lower back pain, arthritis or high
blood pressure;
• Information to better understand your
treatment options – so you and your doctor
can choose what works for you; and
• Answers to questions about your benefits
and finding your way through the health
care system.
3 24-Hour Nurse Line
It’s 2 a.m. and your child has a fever. You’re
traveling, and aren’t feeling well. Do you go to the
emergency room or wait to call your doctor in the
morning? The answer is as close as the telephone.
Aetna and Cigna participants can access
support 24/7 when you need answers to your
health care questions or help understanding
treatment options. The 24-Hour Nurse Line
number is listed on the back of your ID card;
your call is always free and confidential.
4 Disease Management
Program
If you or your dependents suffer from
conditions such as diabetes, cardiovascular
disease, COPD/Asthma or other health risks
identified through the Know Your Numbers
program and/or pharmacy and medical claims,
a member of the Nurse Advisor Team may
contact you. You can also reach out to the
Nurse Advisor Team.
Actively engage in disease management
coaching sessions that address specific health
risks to be eligible for a $300* paycheck
deposit. In order to receive the incentive,
participants must complete program goals,
including a preventive screening.
*Only one incentive per enrolled participant per plan year to
those participants who qualify and complete the program.

16 • Enjoy Life
Flexible Spending Accounts (FSA)
An FSA is an easy way to set aside money tax-
free for qualified expenses. You then have a
“spending” account to pay for these expenses
during the year. You do not need to be enrolled
in the Company’s Health Care Program to
participate in the Health Care, Limited or
Dependent Care FSA Programs.
A Health Care FSA (HCFSA) covers eligible
out-of-pocket health care expenses for medical,
prescription, dental and vision incurred during
the plan year for you and your dependents that
you claim on your taxes, even if they are not
enrolled in medical coverage.
If you enroll in a high-deductible health plan,
you may consider a Limited FSA (LFSA), which
covers eligible out-of-pocket expenses for
dental and vision. An LFSA often accompanies
a Health Savings Account (HSA), which covers
medical expenses.
The 2014 plan year contribution limit for FSA
and LFSA is $2,500.
Some FSA-eligible expenses include:
copayments and deductibles; prescription
medications; dental care and orthodontia; eye
exams, glasses, lenses and more. For more
information on eligible expenses, review the FSA
Benefits Highlights on IN-SITE, or visit Bank of
America’s website or IRS.gov.
A Dependent Care FSA (DCFSA) allows you
to set aside pre-tax dollars for eligible dependent
care expenses related to child and elder care that
allow you and your spouse (if applicable) to work.
The 2014 plan year contribution limit for a family
is $5,000*. Please note, part-time associates are
no longer eligible to participate.
*The DCFSA contribution limit for highly-compensated
executives (those earning in excess of $115,000 in the 2014
calendar year) is $1,000.
Pay for qualified
medical, dental
and dependent care
expenses with pre-tax
money!
IRS rules now allow carryover of up to $500 of
any remaining unused FSA funds, as of the end of
the plan year to the immediately following plan
year. If you participated in the FSA program in the
2013 – 2014 plan year, any unused contributions
under $500 in your FSA will be carried over to
the new plan year; any contributions over $500
remaining in your FSA at the end of the plan year
and not claimed by Sept. 30, 2015 will be forfeited.
Health Savings Account (HSA)
An HSA is a savings account to pay for current and future medical expenses. You can elect a Company-
sponsored HSA if you are enrolled in the Choice medical option, and use it to pay for qualified medical
expenses for yourself and your dependents who are enrolled in the Choice medical option. You can also
use it to pay for eligible expenses for your spouse and dependents, even if they are not enrolled.
At the end of each plan year, unused funds in the HSA are not forfeited; they rollover from year-
to-year. You can change or stop your payroll contributions to your HSA during the year by calling HR
Services. Please note, there is a monthly maintenance fee for an HSA account.
The HSA contribution limit for an individual is $3,300, and the limit for families is $6,550.

Income Protection
Think about living a few months or even a few
weeks without a paycheck. How would you:
• pay for food and cell phone expenses,
• pay your rent and utilities, or
• pay credit cards and other bills?
Short term disability insurance covers the “short
term”– the first few weeks or months of disability,
while long term disability insurance picks up
where short term disability insurance ends.
Hourly Short Term Disability (STD)
Generally, a disability certified by a physician
may qualify for benefits under the plan. Disability
resulting from pregnancy, an accident or an illness
that keeps you from working are examples that
may qualify for STD benefits. Some illnesses and
accidents may be excluded from coverage.
Prudential is the short term disability
administrator for hourly associates. Payments
begin after a waiting period of three or seven
days, and will continue until you are able to
return to work, or a maximum of 180 days
(whichever comes first). If your work state has
statutory disability benefits, those benefits are
an offset to the benefits you receive under
the Macy’s, Inc. program. You will be asked to
complete a Statement of Health if you enroll
anytime after your initial eligibility.
To learn more about the STD
program, including cost calculators,
visit prudential.com/macys, or scan
the code.
Long Term Disability (LTD)
Enrolling in long term disability coverage
provides income protection during a serious
illness or an extended period of disability.
Payments begin after you have missed
180 days of work due to a disability, or in
other words, after your short term disability
ends. Long term disability is offered to eligible
part-time and full-time hourly and executive
associates, administered by Prudential and
Cigna, respectively.
Example of How
STD and LTD Work
Jessica’s expected
date of delivery was Oct. 1;
however, on April 1, she developed
complications and was put on bed
rest for the duration of her pregnancy.
Jessica was enrolled in STD, which paid
benefits for 26 weeks, through Sept. 30.
As of Sept. 30, Jessica had not yet
delivered. Luckily, Jessica also had
LTD coverage, which paid benefits
once her STD coverage ended on
Oct. 1, through her return to work date
of Nov. 12.
Regardless of
your age, disability
insurance helps you by
replacing part of your
income if you are
unable to work.

18 • Enjoy Life
Optional Life Insurance
The Optional Life Insurance Program offers flexibility in options and the
benefit of group rates. You can provide coverage and financial security
for yourself and eligible family members.
ASSOCIATE LIFE INSURANCE: You may enroll
in multiples from ½ times up to eight times
your annual pay (maximum coverage of
$2.5 million). If you enroll when first eligible, no
Statement of Health is required if you elect the
lesser of three times pay or the highest multiple
of pay that does not exceed $500,000.
SPOUSE/DOMESTIC PARTNER LIFE INSURANCE:
A flat amount of $10,000 is available. A
Statement of Health may be required.
CHILD LIFE INSURANCE: A flat amount of
$5,000 is available for your dependents up to
age 26, with no Statement of Health.
ADDITIONAL FEATURES:
• LIVING BENEFIT: You can withdraw up to
50 percent of your coverage amount if you
are diagnosed with a terminal illness (as
defined in the plan).
• TOTAL AND PERMANENT DISABILITY
COVERAGE CONTINUATION: Continue
your coverage if you become totally and
permanently disabled while enrolled.
• CONVERSION TO AN
INDIVIDUAL POLICY:
You may elect to continue
coverage under an individual policy with
MetLife if your employment terminates for
any reason.
Will Preparation Services
Having an up-to-date will is one of the most
important things you can do for your loved ones.
If you’re enrolled in the Macy’s, Inc. Optional
Life Insurance program, you have access to
legal services for will preparation that helps you
ensure your family’s future should something
happen to you. Be sure to take advantage of this
free benefit so your assets may be distributed in
accordance with your wishes.
Access the service by contacting Hyatt
Legal Plans, a MetLife company, at
1-800-821-6400, Macy’s, Inc. Group
Number: 28879.
Associates
participating
in the Macy’s, Inc.
Optional Life InsuranceProgram can access WillPreparation Services forabsolutely no cost!
Don’t miss this one-
time opportunity!
For July 2014,
current Optional
Life participants may
increase their coverage
one multiple of pay
without providing a
Statement of Health
(up to the maximum
coverage of $2.5
million). For example,
if you currently have six
times your annual pay,
you may now increase
your coverage to seven
times your annual pay
without a required
Statement of Health.
Accidental Death &
Dismemberment (AD&D)
The AD&D program provides a lump sum payment due to an
accidental death or the dismemberment/loss of use of a limb,
hearing and/or eyesight as the direct result of an accident. You may
choose individual or individual + family coverage in multiples from
½ times up to 10 times your annual pay (with a maximum coverage
up to $1.5 million).
ADDITIONAL FEATURES: The program also offers a number of
advantages – from services to ease your mind while traveling to
special benefits for you or your surviving family members, such as:
special education and retraining; home alteration/vehicle modification;
financial aid for hearing aid or prosthetic device; surviving spouse/
domestic partner retraining benefit; day care benefits; global travel
assistance and more.

Additional Benefits
Associate Discount
Associates and their eligible dependents are entitled to receive
discount shopping privileges at all Macy’s and Bloomingdale’s
stores, Bloomingdale’s Outlets and on macys.com and
bloomingdales.com. Associate discount is a “back office”discount
and will be applied to your monthly credit card statement. In
addition to the base discount of 20 percent (on most items), you are
also eligible for extra discount events during select dates each year.
Paid Time Off (PTO)
Our Paid Time Off program provides needed time to help you
balance your work and personal life. To review your eligibility and
view your PTO balance, visit IN-SITE and select “My Schedule Plus.”
Third-Party Partner Discounts
As a Macy’s, Inc. associate, you have access to special discounts
with other companies and retailers such as Apple, Verizon and
more! Discounts include gyms/fitness centers, education, cell phone
plans, financial services and more! Visit EmployeeConnection.net
and click the “Resources” tab to view the complete list of partner
sites to begin enjoying special discounts and savings. New
opportunities are always being added, so check back often!
Commuter Benefits
TransitCenter offers its TransitChek Premium program to pay for
public transportation (bus, subway, ferry, etc. – depending on the
area) or to pay for parking on a pre-tax basis. You may be able
to purchase vouchers and pre-paid debit cards to pay for these
expenses. To see if TransitCenter offers products in your area, select
“Commuter Benefits” from the “Benefits” page on IN-SITE.
Other Benefits
See your HR representative for details on additional benefits such
as leave sharing and adoption assistance.as leave sharing and adoption assistance.

20 • Save Actively
Retirement Program
The more you save, the more the Company will match – so now is the
time to Save Actively.
No matter your stage of life or financial situation, planning for your financial future is within reach. To
help you achieve your goals, the Company offers Save Actively, the Macy’s, Inc. Retirement Program.
When you take advantage of the Save Actively program, whether contributing to the Macy’s, Inc.
401(k) Plan or using the interactive tools and personalized resources, the Company works with you
to save for retirement and your life after Macy’s or Bloomingdale’s. To be eligible for the Macy’s, Inc.
Retirement Program, you must have 1,000 hours of service in a calendar year and be at least age 21.
401(k) Contribution Options
You have several 401(k) Plan contribution options available to you as a Macy’s or Bloomingdale’s
associate – each with its own advantages. You have the power to choose the option that works best for
you! The IRS 2014 maximum contribution limit is $17,500.
Pre-Tax Option
You can make pre-tax contributions to your 401(k) account,
which allows you to contribute before federal and state taxes
have been paid, and reduces your taxable income, until you
make a qualified withdrawal from your 401(k) account.
Roth Option
If you would like to contribute on an after-tax basis but would
still like to receive the Company match, the after-tax Roth
option may be for you. Roth contributions share many of the
benefits of after-tax contributions and qualified withdrawals are
tax-free!
After-Tax* Option
In certain cases, you can make an after-tax contribution to your
401(k) account; however, there is no Company match on your
after-tax contribution.
401(k) Contribution Eligibility
Pre-Tax ✔ Match Eligible
Roth ✔ Match Eligible
After-Tax ✘ Not Match Eligible
Company Match
When you make a pre-tax
or Roth contribution to
your 401(k), the Company
matches a portion of that
contribution annually. That’s
free money for you, just for
participating!
When you contribute 6%
of your pay, you will receive
a 100% match on the first 1%
of your contribution, and a
50% match on the next 5%,
which equals a 58.3% match.

Catch-up Contributions
Participants age 50 and above can make
additional pre-tax “catch-up contributions” up
to $5,500, allowing you to save even more as
you get closer to retirement.
*There are limits if you are considered a highly-compensated
executive. IRS limits prohibit Macy’s, Inc. associates who earn
$115,000 or more in 2014 from making after-tax contributions.
This income level may change from year to year.
Benefits OnLine®
Benefits OnLine is the perfect place to quickly
access the personalized information, tools and
advice you need. You can easily access Benefits
OnLine through the Benefits page on IN-SITE.
My Financial Life
From budgeting basics to advanced risk
assessment, My Financial Life coaches you on
managing your financial options for your whole
life. You’ll also find tools such as:
RETIREMENT PLANNING CALCULATOR: Are you
saving appropriately to support your vision for
your life after Macy’s or Bloomingdale’s? Use
the Retirement Planning Calculator to calculate
a custom retirement estimate that reflects your
goals, so you can create a plan to get you there.
TAKE HOME PAY CALCULATOR: How much can you
afford to contribute to the 401(k) Plan? No need to
guess. Use the Take Home Pay Calculator to find
out how your paycheck will actually be impacted.
COLLEGE PLANNING TOOL: Whether you
are thinking about returning to school yourself
or preparing to send your child to college,
Benefits OnLine can help you create a savings
strategy, and locate scholarship information and
lending resources.
My Life Stage
Is this your first job or have you been working for
a while? Are you just starting a family or do you
have an empty nest? Whether you are nearing
retirement or getting an early start, My Life Stage
can help you identify your best financial choices
now and into the future. You have access to a
retirement education specialist, helpful tips,
articles and videos designed to empower you to
make the best decisions for your financial future.
Advice Access
Let Advice Access help you plan guidelines to help
you meet your financial goals. Use Advice Access
to model your retirement income, estimate your
social security benefit, or estimate future expenses.
Benefits OnLine Mobile
Benefits OnLine Mobile is
specifically designed for your
life on the go! Scan the QR Code using
your smartphone to access your account
information and receive messages and
alerts about your account.

22
Eligible Dependents and
Qualifying Events
Eligible Dependents
You can enroll your eligible dependents in
your medical and/or dental coverage, or
obtain life insurance or accidental death &
dismemberment coverage. Eligible dependents
include your:
• Spouse
• Children (up to age 26) including:
stepchildren, children who are adopted or
placed for adoption, children for whom you
have legal guardianship or legal custody,
and disabled dependents (if the disability
commenced prior to age 19)
• Same-gender Domestic Partner*
• Domestic Partner Children*
Family Events
Some examples of family
events that may allow you
to enroll in, change or waive benefits outside
Annual Enrollment include: birth, adoption,
marriage, divorce or losing or gaining other
group coverage (for instance, through your
spouse’s employer).
Job Events
If you have a job status change that impacts
the benefits for which you are eligible, you will
need to update your elections on IN-SITE. You
will automatically receive information from HR
Services anytime your benefits eligibility changes.
*Additional documentation may be required. Same-gender
domestic partners and domestic partner children cannot be
enrolled as a result of a qualifying event.
If you experience a change in family status, you must complete three simple steps:
1 Call HR Services within 31 days of the event at 1-800-234-MACY (6229),
– AND–
2 Complete and submit a Certification of Change in Family Status form, located on
IN-SITE. You must submit the form within 31 days of the event, or the date provided to
you by HR Services. Upon receiving your completed form, HR Services will notify you
regarding your enrollment and any additional documentation that may be required,
– AND–
3 Complete and confirm your election changes on IN-SITE.
Don’t wait!
You have just
31 days!

Helpful Resources
Aetna
Customer Service, Nurse Advisor Team, Lifestyle
Coaching: 1-877-290-4539
24-hour Nurse Line: 1-800-556-1555
aetna.com
To locate a provider prior to enrolling:
aetna.com/docfind/custom/macys
Aetna DMO (Dental)
1-877-238-6200; aetna.com
American Association of Retired Persons
(AARP)
1-888-OUR-AARP, aarp.org
Bank of America
FSA, DCFSA, and HSA: 1-877-319-8118;
benefitsolutions.bankofamerica.com
CareAllies Quit Today
1-866-427-7848, option 2; mycareallies.com
(password: macys)
Cigna Healthcare
All programs & inquires: 1-800-558-8361
mycigna.com; To locate a provider prior to enrolling:
mycignaplans.com (enrollment ID: macysinc,
password: cigna)
COBRA-Health Care Continuation ADP
1-800-821-1436, myshps.com
Express Scripts, Inc. (ESI)
Prescription Drug provider for Aetna, Cigna, and
HMSA: 1-877-603-8396; express-scripts.com
Group Health
1-888-901-4636; my.kp.org/macys
Hawaii Dental Service (HDS)
808-529-9248 (Oahu), 800-232-2533 ext. 248
(Guam and all others); deltadentalhi.org
Health Insurance Marketplace
1-800-318-2596 (toll-free call center) English,
Spanish and 150 additional languages available.
healthcare.gov (cuidadodesalud.gov)
HIP
1-800-447-8255; emblemhealth.com
HMSA (Hawaii)
808-948-6111 (Oahu), 1-800-776-4672
(all others); hmsa.com
Kaiser
Kaiser California: 1-800-464-4000
Kaiser Georgia: 1-888-865-5813
Kaiser Hawaii: 1-800-966-5955
Kaiser Hawaii (Oahu): 808-432-5955
Kaiser Mid-Atlantic: 1-800-777-7902
Kaiser Ohio: 1-800-686-7100
Kaiser Oregon: 1-800-813-2000
All: my.kp.org/macys
Macy’s, Inc. Resources
HR Services 1-800-234-MACY (6229). For assistance
in other languages, ask for the “Language Line.”
Websites: EmployeeConnection.net;
RetireeConnection.net
Medicaid and Children’s Health Insurance
Program (CHIP)
medicaid.gov
Medicare
1-800-MEDICARE (633-4227), medicare.gov
Merrill Lynch
401(k): 1-800-234-MACY (6229), option 1;
benefits.ml.com (or access via IN-SITE)
MetLife
1-888-262-4883; metlife.com/dental
Optum Employee Assistance Program
(EAP)
Available 24 hours a day, 7 days a week
1-888-980-8115; liveandworkwell.com
Access code: 5921
Prudential
Hourly Short Term & Long Term Disability:
1-800-842-1718; prudential.com/macys
Quest Diagnostics
Know Your Numbers Wellness Screening:
1-866-908-9440; 1-855-794-1391 (fax)
my.blueprintforwellness.com
Social Security Administration
1-800-772-1213, ssa.gov
TakeCare (Guam)
671-647-3526; takecareasia.com
Triple S (Puerto Rico)
1-800-981-3241; ssspr.com
W-2 Express
W2express.com

Madefrom100%recyclablematerials.
PRESORTED
FIRST-CLASSMAIL
U.S.POSTAGE
PAID
MACY’S
CORPORATE
SERVICES,INC.
Macy’sHRServices
P.O.Box8083•Mason,OH45040-9853
IMPORTANTINFORMATIONABOUT2014BENEFITS
ANNUALENROLLMENT
ISCOMING!
Enrollfrom:
May22–June10
Seeinsideforimportantchanges!

2014 benefits program final

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