Summary Plan Description - macy s my account log in

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Summary Plan
Description
Macy's, Inc.
Cash Account Pension Plan
Macy's, Inc. Cash Account Pension Plan
This booklet describes the Macy's, Inc. Cash Account Pension Plan as amended and
restated as of Jan. 1, 2014, with amendments through Jan. 1, 2017.
This Plan is maintained by Macy's, Inc. which, together with its subsidiary companies, is
called the "company" in this booklet. The Plan is administered by an administrative committee
that is appointed by the company (the "Pension and Profit Sharing Committee").
This booklet provides a summary of how the Plan operates. The details of the Plan are set
forth in the official Plan documents; however, if there are any inconsistencies between this
booklet and the official Plan documents, the official Plan documents will control.
Summary Plan Description of the Macy's, Inc. CASH ACCOUNT PENSION PLAN P. 2
Index
Cash Account Pension Plan .............................................................................................. 5
Special Note Regarding "Frozen" Status of Cash Account Pension Plan ............................................... 5
Eligibility .......................................................................................................................................................... 5
General Eligibility Rules............................................................................................................................ 5
Exclusions................................................................................................................................................. 5
Automatic Enrollment................................................................................................................................ 6
Eligibility Service....................................................................................................................................... 6
Break in Service Rules ............................................................................................................................. 6
Hours of Service ....................................................................................................................................... 6
Reemployment.......................................................................................................................................... 6
Vesting Service ............................................................................................................................................... 6
Your Cash Account ............................................................................................................................................... 7
Initial Cash Account ........................................................................................................................................ 7
Pay Credits ............................................................................................................................................... 7
Collectively Bargained Associates of Macy's, Inc....................................................................................... 8
Interest Credits ......................................................................................................................................... 8
Your Pension Amount..................................................................................................................................... 8
Guaranteed Minimum Benefits ................................................................................................................. 8
When Benefits Are Paid ....................................................................................................................................... 9
Normal Retirement ................................................................................................................................... 9
Late Retirement ........................................................................................................................................ 9
Required Benefits Commencement Date................................................................................................. 9
Disability Retirement................................................................................................................................. 9
Vested Retirement .................................................................................................................................. 10
Latest Date for Payment............................................................................................................................... 10
Your Responsibility to Notify the Plan Sponsor of Change ........................................................................ 10
How Your Benefit Is Paid .................................................................................................................................... 10
If You Are Single ..................................................................................................................................... 10
If You Are Married ................................................................................................................................... 11
Rules for Electing Optional Form ................................................................................................................ 11
Automatic Form for Small Payment - Lump Sum................................................................................... 12
Pre-Retirement Death Benefits .................................................................................................................... 12
Designation of Your Beneficiary.............................................................................................................. 12
Form of Pre-Retirement Death Benefit ................................................................................................... 12
P. 3 Summary Plan Description of the Macy's, Inc. CASH ACCOUNT PENSION PLAN


Does Macys accept check payments?Personal checks are acceptable at Macy’s and customers may use personal checks issued by any recognized bank to make their desired purchases. To counter the use of fraudulent personal checks for buying items in stores, Macy’s runs anti-fraud checks on a personal check offered by the customer to ensure the authenticity of the payment.

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