ABB Benefits: Ntroduction To Otal

ABB Benefits
INTRODUCTION TO
TOTALU
Effective January 1, 2008
The Company expressly reserves the right to change, suspend or terminate any of its
benefits plans, or to change any statement made in the ABB Benefits Booklet, at any time.
The Companys decision to amend, suspend, discontinue or terminate the plans may be
due to changes in federal or state laws governing welfare or pension benefits, the
requirements of the Internal Revenue Code or the Employee Retirement Income Security
Act of 1974, as amended (ERISA), Company policy, or any other reason.
The Plan Administrator and/or the Claims Administrator has the sole discretionary
authority to determine eligibility for, and the amount of, benefits and to take any other
actions with respect to questions arising in connection with the plans, including the
construction and interpretation of the terms of the plans. All decisions, determinations
and interpretations of the Plan Administrator and/or the Claims Administrator are
conclusive and binding on all persons.
Table of Contents
ABOUT THIS BOOKLET................................................................................................................................ 3
INTRODUCTION ............................................................................................................................................ 5
IMPORTANT TERMS ..................................................................................................................................... 7
THE FLEXIBLE BENEFITS PROGRAM ........................................................................................................ 9
Who Is Eligible............................................................................................................................................ 9
How the Plan Works................................................................................................................................... 9
Your Coverage Category...........................................................................................................................10
Your Benefit Options .................................................................................................................................10
Cost of Coverage ......................................................................................................................................11
Core Benefits ......................................................................................................................................11
Shared Cost Benefits ..........................................................................................................................11
Cost Sharing for Medical Benefits .......................................................................................................12
Cost Sharing for Buy-up Benefits ........................................................................................................12
About Enrollment.......................................................................................................................................13
Enrollment Materials ...........................................................................................................................13
How to Enroll.......................................................................................................................................14
Default Coverage If You Do Not Enroll................................................................................................14
When Coverage Begins.............................................................................................................................15
You Can Change Your Coverage..............................................................................................................15
Family Status Change Summary.........................................................................................................16
When Changes Are Effective ..............................................................................................................21
Things to Consider When You Have a Change in Family Status ........................................................21
BENEFITS SERVICES AT YOUR FINGERTIPS!.....................................................................................23
ABB Service Center ..................................................................................................................................23
NetBenefits................................................................................................................................................23
Automated Voice Response System .........................................................................................................24
Benefits Central, the Benefits Page on the ABB Intranet...........................................................................24
IMPORTANT TELEPHONE NUMBERS........................................................................................................25
GENERAL INFORMATION ...........................................................................................................................27
Appealing a Claim .....................................................................................................................................27
Plan Continuation and Reservation of Rights ............................................................................................27
Plan Documents ........................................................................................................................................27
YOUR RIGHTS UNDER THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 (ERISA) ...29
Duties of the Plan Fiduciaries....................................................................................................................29
Steps You Can Take to Enforce Your Rights ............................................................................................30
If You Have Questions ..............................................................................................................................30
PLAN IDENTIFICATION INFORMATION .....................................................................................................31
Flexible Benefits Program .........................................................................................................................31
TABLE OF CONTENTS
About This Booklet

This ABB Booklet is designed to help you understand ABBs TotalUYourHealth, YourWealth,
YourGrowth program. The plan-specific summary plan descriptions (SPD) focus on benefits
available under YourHealth and YourWealth. Each SPD describes a different benefit plan
within the TotalU program. As changes are made, you will receive updates to this information.
Please keep them with this Booklet as a reference if you have questions about your coverage.
While this Booklet summarizes the benefits provided, the benefits are subject to the full terms and
conditions of the plan documents and insurance and/or other contracts that govern the benefit
plans. If there is a discrepancy between this Booklet and the plan documents and contracts, the
documents and contracts will control. Other important information about the plans is contained
in Your Rights Under the Employee Retirement Income Security Act of 1974, as amended
(ERISA) in each SPD.
ABOUT THIS BOOKLET
Introduction
ABBs overall benefits package is one of the best in our industry. It supportsand must
continue to supportour critical need to attract and retain a world-class workforce. Our
program is called TotalU. It is the unique combination of your health, wealth and growth
opportunities that gives you personal satisfaction and contributes to making ABB the right place
for you.
YourHealth includes all the different programs that weave together to support your healthrelated needs. These range from our medical, dental and vision plans, to our wellness-related
tools and resources such as Optum Nurseline, the Employee Assistance Plan and the Health
Management Center. YourHealth includes programs that encourage you to find a healthy outlet
for stress and that provide tools and information to help you manage issues of work/life
balance.
YourWealth covers the retirement benefits (the Cash Balance Pension Plan and PRISM),
insurance coverage and other programs that provide financial security for you and your family.
In addition, these programs can save you money by reducing your taxes or providing you
options available at lower group rates.
YourGrowth includes what you learn on the job, and the Companys support from training
opportunities to educational assistance to recognition programs.
Your Benefits Handbook, which includes this Introduction to TotalU, as well as the SPDs for the
individual benefit plans, provides details about all the plans available that contribute to your
health and your wealth. As you review the various plans, ABB wants you to start thinking more
about the special connection between your wealth and your health. Most of us will live longer
than our parents. That means we will need to work longer than previous generations or save
more for retirementor both. Healthier people have more time to save for retirement because
they have more time to work. Also, once we retire, having better health usually means having a
happier and financially secure retirement.
To help you build a benefits program that best meets your needs, the ABB program provides
flexibility, with multiple options allowing you to tailor the plan to suit your needs. And it also
promotes efficiency. While a quality benefits program is becoming more and more valuable to
every employee, it is also becoming more costly. This program allows you and ABB to make
better, more cost-efficient use of the money we all are spending on benefits.
ABB provides a set of fully-paid core benefits that serve as the foundation for your benefits
program. The Company also pays a portion of plans like medical and PRISM, called shared
cost benefits. Other Voluntary benefits are available, which are fully paid by you, but are
available at lower group rates negotiated by ABB. These include vision care, group universal life
insurance, and long term care insurance.
INTRODUCTION
Here is an overview of the benefits available under YourHealth and YourWealth.

From Core Benefits (Paid by ABB)
Basic Dental Coverage

Dental Option B
Aetna DMO
TotalHealth resources for better health:
Employee Assistance Plan (EAP)
Workplace Wellness program
Quit for Life, a quit tobacco program
Nurseline 24-hour service (Optum)
Personalized Health Management Program
(Matria)
Health Management Center online resources
Basic Life Insurance

Basic AD&D Insurance
Basic LTD Coverage (60% of Salary)
Cash Balance Pension Plan
Adoption Assistance Plan
Survivors Financial Support Plan
Business Travel Accident Plan
Involuntary Separation Pay Plan
Short-term Disability Plan
International SOS Program (visit

http://www.international sos.com/private/abb)
Paid Vacation
From Shared Cost Benefits (Paid by ABB and You)
Medical Options
United, Anthem or Aetna Premier
United, Anthem or Aetna Select
United, Anthem or Aetna Horizon
United, Anthem or Aetna Freedom
United Medical Plus Plan
Buy-up Supplemental AD&D

Employee 2, 3, 4, 5 times Salary
Family coverage
Buy-up LTD (66 2/3% of Salary)
PRISM (401(k) Plan)
Buy-up Dental (Option A)

Retiree Medical Plan
If your hire date is prior to 1/1/2006
Voluntary Benefits (Paid by You)
Vision Plan
Dependent Day Care Flexible Spending Account
Long Term Care Insurance
Health Care Flexible Spending Account
Vacation Buy (not available at all locations)
Limited Scope Health Care Flexible Spending

Account
Retiree Medical Plan

If your hire date is on or after 1/1/2006
Group Universal Life Insurance (GUL)

Prepaid Legal Plan
Auto/Boat and Homeowners/Rental Insurance
Section 529 Education Savings Plan
Employee Share Acquisition Plan (ESAP)
For more complete information on any of these plans, please refer to the plan-specific summary
plan descriptions.
INTRODUCTION
Important Terms
Certain terms used in this Booklet have specific meanings. These include:
Actively at Work means you are working a full day (at your usual place of business or traveling
on business) performing your usual duties.
Company means ABB Inc., U.S.A.

Regular Employment, for purposes of establishing eligibility for this plan, will be determined by
the Company in accordance with standard practices and legislative requirements, but excludes,
for example, casual employees and other individuals employed on a temporary basis; leased
employees; independent contractors or consultants; and non-resident aliens, except those in the
United States on non-immigrant visas.
Salary, for determining benefits under this program, means current annual base salary. It may
or may not include other compensation or payments made to you based on the terms of the
plan. See the definition of Salary in the plan-specific summary plan descriptions for more
information.
For purposes of determining your medical cost sharing salary band (see page 12), salary means
current annual base salary plus net commissions and shift differentials paid in the preceding 12
months, and the most recent incentive compensation paid during the preceding 12 months.
IMPORTANT TERMS
The Flexible Benefits Program

WHO IS ELIGIBLE
You are eligible to participate in the Flexible Benefits Program if you are:
Employed on a regular salaried or hourly basis by the Company in a business that has
adopted the program; and,
A member of a group of employees for whom the plan has been adopted; and,
Not represented by a collective bargaining agent unless the collective bargaining

agreement provides for coverage under the plan.
Part-time employees are eligible if they are regularly scheduled to work 20 hours or more
each week.
Casual employees and other individuals employed on a temporary basis, leased employees, and
independent contractors or consultants are not eligible to participate in the plan.
HOW THE PLAN WORKS

The Flexible Benefits Program allows you to choose the type of benefits coverage that best suits
your needs and the needs of your family. Each year at annual enrollment, you tailor the program
thats right for you. Core, shared, and voluntary benefits are all offered through TotalU.
Each year during annual enrollment, you choose:
Whether you will be covering any dependents;
Which benefit options you want; and,
The amount of coverage you need.
Lets look at your choices.
THE FLEXIBLE BENEFITS PROGRAM
YOUR COVERAGE CATEGORY

Your coverage category indicates whether you will be covering just yourself, or whether you will
be including your spouse and eligible dependent children.
If you have dependents, its important to be sure that they are covered either under the ABB
Flexible Benefits Program or through some other plan, such as one offered through your
spouses employer.
When you enroll, you will be asked to choose one of three coverage categories:
Yourself only: If you are single and have no dependents, or if your dependents have
health care coverage through a separate plan and you want to cover only yourself.
Yourself and one dependent: If you want to cover yourself and your spouse, or
yourself and one dependent child.
Yourself and your family: If you want to cover all family members.
For the health care program, you may choose a different coverage category for medical, dental
and vision coverage. For example, you may choose to cover your family for medical coverage,
but yourself only for dental benefits.
You may also choose a different coverage category for AD&D protection.
YOUR BENEFIT OPTIONS

Once you know whom you want to cover, you select your benefit options. The benefits offered
through the Flexible Benefits Program are:
Health Care
Medical
Dental
Vision
Flexible Spending Accounts (FSAs)
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Health Care FSA

Limited Scope Health Care FSA
Dependent Day Care FSA
Life Insurance
Accidental Death and

Dismemberment Coverage
Disability
Long-term Disability
Vacation
Vacation Buy
COST OF COVERAGE
Each of the benefits has different coverage options available. Before each enrollment period,
you will receive information about the annual or per-pay-period premium cost for every flexible
benefits option available to you. You will be able to see how much of that premium ABB would
pay toward each option, and what you would have to pay.
Core Benefits
To ensure that each employee has a foundation of personal and financial security, ABB pays
100% of the cost of your core benefits, as shown on the following chart:
Type of Plan
Coverage Amount
Two times Salary or $50,000, whichever is greater. Employees

with basic coverage of more than $50,000 will have the option
of electing a flat amount of $50,000 to avoid taxable imputed
income on higher amounts of Basic Life Insurance coverage.
Basic AD&D
One times Salary (employee only)
LTD
60% of Salary
Dental
Dental Option B or the Aetna DMO (if available in your area),

whichever you choose.
Shared Cost Benefits

Shared cost benefits let you build on the core foundation to design your own benefits plan. You
may choose from any of the medical options available to you, and increase your core benefit
coverage using buy-up options. For example, you may elect greater dental coverage, additional
AD&D coverage, or higher LTD benefits. ABB pays the major part of shared cost benefits, and
you pay a portion of the cost as well. Here is how costs are shared:
Shared Cost Benefits
Type of Plan
What You Pay
Medical Plans
You pay a percentage of the cost based

on your Salary and the number of people
you wish to cover.
Buy-up Plans:
Dental (Option A)
AD&D
You pay the amount in excess of the core

benefit cost that ABB covers.
2, 3, 4 or 5 times Salary
Family coverage
LTD Option 66-2/3%
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Cost Sharing for Medical Benefits

Each medical option has a premium cost associated with it. ABB pays the major share of the
cost. You pay a share as well. Your contributions are based on your Salary and the number of
people you cover. ABB considers those who earn more as more able to afford to pay.
Therefore, high-paid employees contribute more toward coverage than lower-paid employees.
To calculate your medical plan contribution, the Company determines the percentage of the plan
premium you pay based on your salary band and coverage tier. The chart below illustrates how
it works. [Note: the following chart does not apply to employees of ABB Automation Products
in Syracuse, N.Y. If you are an employee of this business, contact your Human Resources
representative for information about cost-sharing.]
Medical Cost Sharing Salary Bands
If your Salary is
You pay this percentage of the medical plan premium

Participant
Only
Participant + 1
Dependent
Participant +
Family
$39,999 or less
10%
15%
15%
$40,000 to $59,999
15%
20%
20%
$60,000 to $74,999
20%
25%
25%
$75,000 to $89,999
25%
30%
30%
$90,000 +
30%
35%
35%
You have the option to decline medical coverage if you have coverage under another plan.
Cost Sharing for Buy-up Benefits
If you decide to add to your core benefits, you pay a portion of the cost. You pay the amount in
excess of the core benefit cost that ABB covers. For example, assume you want to buy-up to
Dental Option A and enroll for single coverage. Also assume that the annual premium for
Dental Option A (Shared Cost benefit) is $390, and for Option B (Core benefit) is $235.
Your annual cost to buy-up to Option A would be:
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Premium for Option A:
$390
Minus Premium for Option B
($235)
Equals Your Annual Cost for Option A:
$155
ABOUT ENROLLMENT
Each fall, ABB offers an open enrollment period for the Flexible Benefits Program. At that
time, you may enroll or change some or all of your benefit options. Newly-hired employees will
be offered the opportunity to enroll in the program within 31 days of their date of employment.
Enrollment Materials
During the annual enrollment each fall, all the information you need to enroll will be available
via NetBenefits. If you do not have access to the internet at home, please contact your HR
representative. He or she will provide you with access to an internet-enabled computer so that
you can select your benefit options and enroll.
Newly-hired employees will receive an enrollment kit containing the following:
A Benefits Value Statement (BVS); and,
A Personal Fact Sheet (PFS).
Each of these statements is personalized with information just about you. For each
coverage category, they show the benefit options available in your geographic area, the total
annual or per-pay-period cost of those options, the ABB share of the cost of each option,
and your share of the cost of each option.
A Medical Plan Summary, which compares the features of the medical options available
in your area.
An Enrollment Guide, which provides more information about your options, and how
to enroll.
A Group Universal Life Insurance enrollment package. (Note: even if you do not enroll
for additional coverage through the Group Universal Life Insurance Plan, you should
complete and return the beneficiary designation form. This form also provides
beneficiary information for your basic life insurance.)
A Cash Balance Pension Plan beneficiary designation form, if you are eligible for that
plan.
Enrollment materials for the PRISM 401(k) plan will be sent separately. To enroll in PRISM
without the enrollment materials, simply log on to NetBenefits.
13
How to Enroll
Enroll through NetBenefits at http://netbenefits.fidelity.com or by calling the ABB Service Center
at 1-800-354-8069.
To Continue Your Current Elections
If you are enrolled in the Flexible Benefits Program and want to keep all of your current
benefits, check the enrollment site on NetBenefits or call the ABB Service Center for enrollment
rules, which can change from year to year. If all of your options are available for the next
calendar year, you may not have to take any action, even though your costs for the next calendar
year may change.
To Enroll or Change Your Elections
If you want to re-enroll or change your current elections, or if you are enrolling for the first time,
you may access NetBenefits or call the ABB Service Center.
NetBenefits, Fidelitys online enrollment site, can be reached through Benefits Central on the ABB
intranet at http://inside.abb.com/us/hr, or through the internet at http://netbenefits.fidelity.com.
To enroll over the phone, call the ABB Service Center during normal business hours.
Default Coverage If You Do Not Enroll
If you are a new employee and do not enroll for benefits within 31 days of becoming eligible,
you will be provided with a limited package of benefits (default coverage).
If you are currently enrolled, but are notified that one or more elections will no longer be
available to you, you must re-enroll or you will be provided with default coverage.
The enrollment kit will include a description of the default coverage package.
14
WHEN COVERAGE BEGINS

When you enroll during the annual fall enrollment period, coverage under the options you elect
will begin January 1 of the following year and will continue for the full calendar year. If you are
a new employee enrolling at a time other than the annual enrollment period, and you enroll
within 31 days of becoming eligible, coverage under the options you elect is retroactive to your
first day of active employment and will continue until the end of the year.
If you are not Actively at Work on the date coverage would become effective, your new
coverage under the dental, vision, life, AD&D, and LTD insurance plans will begin when you
return to active employment. Medical coverage begins on the plan effective date, regardless of
whether you are Actively at Work on that day.
If you do not enroll during the appropriate enrollment period, you will be covered under the
default plan. The default plan provides limited coverage. You will not be able to change your
coverage until the next annual enrollment period unless you have a qualified family status
change.
YOU CAN CHANGE YOUR COVERAGE

In general, the choices you make are for only one year. You can change any benefit option you
want during the annual enrollment period.
However, by federal law, the options you elect during annual enrollment each year must remain
in effect for the entire calendar year. You may change your elections during the year only if you
have a change in family status. Qualified changes must be made within 31 days of the date of
the event, either on NetBenefits or by calling the ABB Service Center.
If you wish to change your election, the change you request must be consistent with the reason
for the change. For example, if you get married during the year, you can change your coverage
category to cover your spouse as well.
Family status changes are effective retroactive to the date of the event. Coverage for a new
dependent is retroactive to the first day of eligibility. Coverage for newborns begins at birth,
provided the baby is enrolled in the plan within 31 days from the date of birth.
15
Family Status Change Summary

The following charts provide summaries of what you may change for some of the more
common life events. Use these charts as general guidelines. Federal regulations governing the
permitted changes are updated from time to time. For the most current permitted changes or to
make a change, contact the ABB Service Center. If you do not request a change within 31 days
of the event, you will have to wait until the fall enrollment period to change your benefit
elections.
Contact the ABB Service Center for more information about qualified family status changes.
In some cases, a family status change will involve a change in your personal information, such as
name and/or address. In those situations, please update your personal information at NetBenefits.
What You May Change
If You Get Married
Coverage Category
You may change your coverage category from employee only to

employee + 1 dependent, or from employee + 1 dependent to
employee + family.
Medical/Dental/Vision
You may change your coverage, add your spouse for coverage, or
terminate your own coverage to enroll in your spouses plan.
Basic Life
You may change your option level.
AD&D
You may change your option level or change your coverage category.
LTD
Health Care FSA
Depending on your medical plan elections, you may start contributions,

increase contributions, or stop contributions if you are electing
coverage through your spouses plan.
Depending on your medical plan elections, you may start contributions,

increase contributions, or stop contributions if you are electing
coverage through your spouses plan.
You may stop contributions if your spouse does not work.
And Dont Forget
If you are enrolled in a Freedom Plan, you may change your Health
Savings Account (HSA) contribution at any time (subject to Federal
limits see your HSA materials or contact Fidelity for more
information).
You may change your beneficiary designation for life insurance, the
Cash Balance Pension Plan and PRISM at any time.
You may elect life insurance coverage for your spouse under the
universal life insurance plan. You may also elect coverage for yourself
or increase coverage for yourself up to 1 times Salary without
evidence of good health (based on plan coverage limits).
If you are changing your name and/or your address, you must update
your personal information via NetBenefits.
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Family Status Change Summary (continued)

What You May Change
If You or Your Spouse

Has a Baby, Adopts a Child, or Gains a Stepchild
Coverage Category
You may change your coverage category from employee only to

employee + 1 dependent or employee + family, or from employee + 1
dependent to employee + family.
You may change your coverage, add your dependent for coverage, or
elect coverage if you currently waived medical/dental/vision.
Basic Life
AD&D
LTD
Health Care FSA
Depending on your medical plan elections, you may start

contributions, increase contributions, or stop contributions.
Depending on your medical plan elections, you may start

contributions, increase contributions, or stop contributions.
You may start contributions or increase contributions.
And Dont Forget
information).
Cash Balance Pension Plan or PRISM at any time.
You may elect life insurance coverage for an eligible dependent under
the universal life insurance plan. You may elect coverage for yourself
or increase coverage for yourself up to 1 times Salary without
evidence of good health (based on plan coverage limits).
You may want to find out more about benefits under the Adoption
Assistance Plan, where available.
17

What You May Change
If You Get a Divorce, Annulment or Legal Separation,

or Your Spouse Dies
Coverage Category
You may change your coverage category to employee only if your

spouse was the only dependent covered under the plan; or to
employee + 1 dependent if you covered yourself, your spouse and a
child; or from employee only to employee + 1 or employee + family, if
your dependents are losing coverage under a spouses plan.
You may drop coverage for your spouse or elect coverage if you lose
coverage under your spouses plan.
Basic Life
AD&D
LTD
Health Care FSA
You may stop contributions or decrease contributions.
You may start contributions or increase contributions.
And Dont Forget
information).
You may decrease or cancel universal life insurance coverage on
yourself at any time. Your spouse may elect an individual policy, if
covered, within 90 days.
You may want to find out more about the Survivors Financial
Counseling Plan if your spouse dies.
18

What You May Change
If a Dependent Child Dies or Loses Eligible Status
Coverage Category
You may change your coverage category only for medical/dental,

vision/hearing and AD&D coverage. You may decrease the number
of dependents you are covering in categories of employee + 1 or
employee + family, or move from employee + 1 to employee only
coverage.
You may change your coverage category only.
Basic Life
AD&D
LTD
Health Care FSA
And Dont Forget
information).
A dependent covered under the universal life insurance plan who
loses eligible status under the flexible benefits plan may elect an
individual policy within 90 days.
A Note About Student Eligibility. The ABB plan covers dependents up to age 19, or up to age 25 if the
dependent is a full-time (FT) student. If your FT student graduates or loses FT student status, please call the
ABB Service Center. He or she will be eligible for continued coverage under COBRA for 36 months.
If your dependent enrolls as a FT student and is not currently covered by the ABB plan, call the ABB Service
Center to add him or her to your coverage.
For more information about COBRA, contact the ABB Service Center or see your medical plan SPD.
19

What You May Change
If You Move Into or Out of a Health Plan Network Service Area
Coverage Category
No change permitted.
You may change your medical or dental coverage option. You may
not drop or add coverage.
Basic Life
AD&D
LTD
Health Care FSA
You may change the amount of your contributions only if you change
health care plans, and you may elect automatic reimbursement only if
a UnitedHealthcare option is available.
You may change the amount of your contributions only if you change
your health care plan.
And Dont Forget
information).
20
When Changes Are Effective

If you are making a qualified family status change, the change in coverage is effective retroactive
to the date of the event. Coverage for newborns begins at birth, provided the baby is enrolled in
the plan within 31 days from the date of birth.
Things to Consider When You Have a Change in Family Status
Your benefits plan is designed to be flexible to accommodate the needs of your changing life and
lifestyle. The more you understand about your benefits, the more you can benefit from these
plans. Here are some things to consider:
Be sure to contact the ABB Service Center either through NetBenefits or by calling
1-800-354-8069 within 31 days of the date of a family status change.
If your family situation is changing, be sure your beneficiary information for life
insurance, AD&D coverage, PRISM and the cash balance pension plan is up-to-date.
See the PRISM and Cash Balance Pension Plan summary plan descriptions for more
information.
Moving? ABB needs your new address! Update your address under the My Profile tab
on NetBenefits. To find out whether your move makes you eligible or ineligible for a
managed care medical or dental option, you should also contact the ABB Service Center
at 1-800-354-8069.
Retiring? Contact the ABB Service Center to determine your Cash Balance Pension Plan
benefit and options available for retiree medical benefits.
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Benefits Services At Your Fingertips!

ABB SERVICE CENTER
ABB has developed systems and services to make the benefits available through TotalU easy to
understand and use. The ABB Service Center handles most benefits administration services,
rather than your local Human Resources representative. You can access the services you need
directly by telephone, at the desktop, or through the internet.
ABB SERVICE CENTER
1-800-354-8069
(1-800-610-4015 TDD/TT)
OVERSEAS CALLS:
Dial your countrys toll free AT&T Direct access number, then enter 800-354-8069.
In the U.S., call 1-800-331-1140 to obtain AT&T Direct access numbers.
From anywhere in the world, access numbers are available online
at www.att.com/traveler or from your local operator.
HTTP://NETBENEFITS.FIDELITY.COM
Contact the ABB Service Center via NetBenefits or by calling 1-800-354-8069 to:
Get information about your benefits. For more specific information available by plan,
see the summary plan description for the plan;
Change your family status (marriage, birth, adoption);
Change personal information (name, address, emergency contact, etc.);
Update income tax withholding elections;
Access electronic copies of current and historic pay statements;
Enroll for or change Direct Deposit.
NETBENEFITS
NetBenefits provides online access to account information through the internet for PRISM,
pension, life events, health and insurance, and HR and payroll. Most of the information and
transactions youll need to manage your benefits and payroll can be done using NetBenefits.
You can reach NetBenefits at: http://netbenefits.fidelity.com.
BENEFITS SERVICES AT YOUR FINGERTIPS!
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AUTOMATED VOICE RESPONSE SYSTEM

The ABB Service Centers Automated Voice Response system gives you telephone access to
information for PRISM, pension, life events, health and insurance, and HR and payroll. Use the
system if you do not have access to the internet for NetBenefits, or if you need to speak with a
representative.
BENEFITS CENTRAL, THE BENEFITS PAGE ON THE ABB INTRANET

Benefits Central offers a convenient way to enroll for benefits, complete forms, and find benefits
information right at your desktop. You can access Benefits Central at
http://inside.abb.com/us/hr for the following:
Forms and Publications:
Claim forms
Beneficiary forms
Internal Revenue Service Publications 502, 503 and 969 listing reimbursable expenses
for the spending accounts
Health Care and Dependent Day Care Spending Account Worksheets
Link to Fidelitys NetBenefits site for:
PRISM information and transactions
Cash Balance Pension Plan information and modeling
Health and Insurance Plan information
Flexible benefits enrollment
Verify dependent information or view current benefit choices
View and print your pay statements
Direct Deposit forms
Federal tax withholding
State W-4 forms
Download or View Summary Plan Descriptions

See how a Life Event changes affect your benefits, and what you need to do
Get to Provider Links
24
Health plan sites
MetLifes dental provider page
IRS site and more
BENEFITS SERVICES AT YOUR FINGERTIPS!
Important Telephone Numbers

FLEXIBLE BENEFITS PROGRAM
ABB Service Center
Annual Enrollment/Ongoing Information/Family Status Changes
1-800-354-8069
(1-800-610-4015 TDD/TT)
8:30 a.m. 8:00 p.m. Eastern time, Monday through Friday

THE HEALTH CARE PROGRAM
The UnitedHealthcare Automatic Response Unit for
The Medical Plus Plan
1-800-424-1181
The UnitedHealthcare Automatic Response Unit for the

Premier, Select, Horizon and Freedom Plans
1-800-842-9677
United Behavioral Health Managed Psychiatric and Substance

Abuse Program for the UnitedHealthcare Medical Plans
1-800-562-2532
24 hours a day, 7 days a week

The Aetna Automatic Response Unit for the Premier, Select,
Horizon and Freedom Plans
Aetna Behavioral Health Care
(Psychiatric and Substance Abuse Program)
Anthem Automatic Response Unit for the Premier, Select,
Horizon and Freedom Plans
1-800-445-0128
1-800-445-0128
1-866-798-7059
THE DENTAL PLAN

Metropolitan Life Insurance Company (Dental Options A and B)
1-800-942-0854
Monday through Thursday, 8:00 a.m. 8:00 p.m., Eastern time

Friday, 9:00 a.m. 5:00 p.m., Eastern time
The Aetna DMO
1-877-238-6200
THE EYEMED VISION PLAN
1-866-723-0514
THE LIFE INSURANCE PLAN AND ACCIDENTAL

DEATH AND DISMEMBERMENT (AD&D) COVERAGE
1-800-GETMET8
(1-800-438-6388)
Metropolitan Life Insurance Company

THE DISABILITY MANAGEMENT PROGRAM
1-800-520-4685
Aetna
THE ABB AUTOMATED PRISM OR CASH BALANCE
PENSION PLAN LINE
1-800-354-8069
(1-800-610-4015 TDD/TT)
24 hours a day, 7 days a week

PAYROLL INFORMATION
1-800-354-8069
ABB Service Center
IMPORTANT TELEPHONE NUMBERS
25
General Information
APPEALING A CLAIM
The method for filing a claim or an application for benefits, as well as the method for appealing
a claim, is described under each plan in the plan-specific summary plan descriptions.
PLAN CONTINUATION AND RESERVATION OF RIGHTS

The Company presently intends to continue the plans described in this Handbook, but reserves
the right to amend, suspend, discontinue, or terminate any or all of the plans at any time.
The Companys decision to amend, suspend, discontinue or terminate any of the plans may be
due to changes in federal or state laws governing welfare or pension benefits, the requirements
of the Internal Revenue Code or the Employee Retirement Income Security Act of 1974
(ERISA), the provision of a contract or policy involving an insurance company, Company policy,
or any other reason.
For more information about your rights if PRISM or the Cash Balance Pension Plan is
terminated, see the sections of this Handbook describing those plans.
If any of the other benefit plans described in this Handbook is terminated, you will not have any
further rights other than payment of expenses or other claims incurred before the plan was
terminated. After all benefits have been paid and other requirements of law have been met, any
remaining plan assets will be, at the discretion of the Company, either used to purchase benefits
or distributed to plan participants in accordance with the requirements of law.
PLAN DOCUMENTS
This Handbook describes only the highlights of your benefit plans, and does not attempt to cover
all the details. The contents of this Handbook are an integral part of the official plan documents.
Additional details may be provided in the plan documents and insurance and/or service
contracts, which legally govern the plans. The additional documents may be seen in the Plan
Administrators office during normal working hours. These documents include any documents
filed with the Internal Revenue Service, the annual financial reports and the plan descriptions
that are filed with the U.S. Department of Labor, and may include contracts and other
documents used by the Claims Administrator. You may obtain copies of these documents by
sending a written request to the Plan Administrator. There will be a charge to cover copying
costs. In the event of any discrepancy between this Handbook and the other controlling
documents, the controlling documents will prevail.
GENERAL INFORMATION
27
Your Rights Under the Employee Retirement

Income Security Act of 1974 (ERISA)
As a participant in the plan, you are entitled to certain rights and protections under the
Employee Retirement Income Security Act of 1974, as amended (ERISA). ERISA provides that
all plan participants shall be entitled to:
Receive Information about Your Plan and Benefits
Examine, without charge, through the Plan Administrators office and at other specified
locations, such as work sites and union halls, all documents governing the plan, including
insurance contracts, collective bargaining agreements and a copy of the latest annual
report (Form 5500 Series) filed by the plan with the U.S. Department of Labor, and
available at the Public Disclosure Room of the Employee Benefits Security
Administration.
Obtain, upon written request to the Plan Administrator, copies of documents governing
the operation of the plan, including insurance contracts, collective bargaining agreements
and copies of the latest annual report (Form 5500 Series), and updated summary plan
descriptions. The Plan Administrator may make a reasonable charge for the copies.
Receive a summary of the plans annual financial report. The Plan Administrator is
required by law to furnish each participant with a copy of this summary annual report.
Continue Group Health Plan Coverage
For information about continuing group health plan coverage, please refer to your health plan
summary plan description.
DUTIES OF THE PLAN FIDUCIARIES

In addition to creating rights for plan participants, ERISA imposes duties upon the people who
are responsible for the operation of the plan. The people who operate the plan, called
fiduciaries, have a duty to do so prudently and in the interest of you and other plan
participants and beneficiaries. No one, including the Company, your union, or any other person,
may fire you or otherwise discriminate against you in any way to prevent you from obtaining a
welfare benefit or exercising your rights under ERISA.
YOUR RIGHTS UNDER ERISA
29
STEPS YOU CAN TAKE TO ENFORCE YOUR RIGHTS

ERISA specifically provides for circumstances under which you may take legal action as a plan
participant.
If your claim for a benefit is ignored or denied, in whole or in part, you have a right to know
why this was done, to obtain copies of documents relating to the decision without charge, and to
appeal any denial, all within certain time schedules.
Under ERISA, there are steps you or your beneficiary can take to enforce the above rights. For
instance, if you request a copy of plan documents or the latest annual report from the Plan
Administrator, and do not receive them within 30 days, you may bring suit in federal court. The
court may require the Plan Administrator to provide the materials, and pay you up to $110 a day
until you receive the materials. The provision does not apply, however, if the materials were not
sent to you for reasons beyond the control of the Plan Administrator.
If you have a claim for benefits that is ignored or denied, in whole or in part, you or your
beneficiary may file suit in a state or federal court. In addition, if you disagree with the plans
decision, or lack thereof, concerning the qualified status of a domestic relations order or a
medical child support order, you may file a suit in federal court.
If the plan fiduciaries misuse the plans money, or if you are discriminated against for asserting
your rights, you or your beneficiary may seek assistance from the U.S. Department of Labor or
file suit in a federal court. The court will decide who should pay court costs and legal fees. If
you or your beneficiary is successful, the court may order the person you have sued to pay these
costs and fees. But if you lose (if, for example, the case is considered frivolous) you or your
beneficiary may have to pay all costs and fees.
IF YOU HAVE QUESTIONS

If you have any questions about the plan, you should contact the Plan Administrator. If you
have any questions about your rights under ERISA, or if you need assistance in obtaining
documents from the Plan Administrator, you should contact the nearest Office of the Employee
Benefits Security Administration, U.S. Department of Labor listed in your telephone directory,
or the Division of Technical Assistance and Inquiries, Employee Benefits Security
Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, DC
20210. You may also obtain certain publications concerning your rights and responsibilities
under ERISA by calling the publications Hotline of the Employee Benefits Security
Administration.
30
YOUR RIGHTS UNDER ERISA
Plan Identification Information

FLEXIBLE BENEFITS PROGRAM
Legal Name of Plan
ABB Inc. Flexible Benefits Program (a program

under the ABB Inc. Group Benefit Plan)
Common Name of Plan
Flexible Benefits Plan; Flex Plan
Plan Type
Cafeteria Plan
Plan Year
January 1 December 31
Type of Financing/Administration
UnitedHealthcare, Aetna and Anthem Medical Plans,

MetLife Dental, EyeMed Managed Vision, and
Long-term Disability are self-insured.
HMOs, DMOs, Blue Cross/Blue Shield plans,
Basic Life Insurance, and Accidental Death and
Dismemberment (AD&D) plans are insured.
Plan Administrator and Agent for

Service of Legal Process
ABB Inc.
501 Merritt 7
P.O. Box 5308
Norwalk, CT 06856-5308
(203) 750-2200
The Plan Administrator has the sole authority to:
Interpret plan provisions
Exercise discretion in the interpretation and

administration of the plan
Make the final determination of a benefit

claims appeal
Service of legal process may also be made on the

Plan Trustee.
Plan Trustee
Mellon Trust of New England, N.A.

135 Santilli Highway
Everett, MA 02149
Claims Administrators:
UnitedHealthcare Premier Plan, Select
Plan, Horizon Plan, Freedom Plan and
Medical Plus Plan
UnitedHealthcare
P.O. Box 740800
Atlanta, GA 30374-0800
Aetna Premier Plan, Select Plan,

Horizon Plan and Freedom Plan
Aetna
P.O. Box 981282
El Paso, TX 79998-1282
Anthem Premier Plan, Select Plan,

Horizon Plan and Freedom Plan
Anthem
220 Virginia Avenue
Indianapolis, IN 46204
PLAN IDENTIFICATION INFORMATION
31
Dental Plan Options A and B

Dental Claims
P.O. Box 981282
El Paso, TX 79998-1282
Vision Plan
EyeMed Vision Care

P.O. Box 8504
Mason, OH 45040-7111
Managed Pharmacy Program
Express Scripts
P.O. Box 390873
Bloomington, MN 55439-0873
Flexible Spending Accounts
UnitedHealthcare
Attn: Flexible Spending Unit
P.O. Box 981178
El Paso, TX 79998-1178
Long-Term Disability Plan
Aetna
1601 S.W. 80th Terrace
Plantation, FL 33324-4036
Insurer:
Basic Life Insurance and Accidental
Death and Dismemberment

P.O. Box 6154
Utica, NY 13504-6154
Dental Maintenance Organization

(DMO)
Aetna
P.O. Box 14094
Lexington, KY 40512
Employer Identification Number
36-3100018
Plan Number
575
In addition to the Flexible Benefits Program, the Company offers short-term disability coverage
and universal life insurance. Short-term disability benefits are paid by the Company. Universal
life insurance is entirely employee-paid.
32
PLAN IDENTIFICATION INFORMATION
Introduction, effective January 1, 2008

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ABB Benefits

About This Booklet

ABOUT THIS BOOKLET

Here is an overview of the benefits available under YourHealth and YourWealth.

Basic Dental Coverage

Basic Life Insurance

International SOS Program (visit

From Shared Cost Benefits (Paid by ABB and You)

Buy-up Supplemental AD&D

Buy-up Dental (Option A)

Voluntary Benefits (Paid by You)

Dependent Day Care Flexible Spending Account

Long Term Care Insurance

Health Care Flexible Spending Account

Vacation Buy (not available at all locations)

Limited Scope Health Care Flexible Spending

Retiree Medical Plan

Group Universal Life Insurance (GUL)

on business) performing your usual duties.

Company means ABB Inc., U.S.A.

The Flexible Benefits Program

Not represented by a collective bargaining agent unless the collective bargaining

HOW THE PLAN WORKS

Whether you will be covering any dependents;

Which benefit options you want; and,

The amount of coverage you need.

Lets look at your choices.

THE FLEXIBLE BENEFITS PROGRAM

YOUR COVERAGE CATEGORY

yourself and one dependent child.

YOUR BENEFIT OPTIONS

Flexible Spending Accounts (FSAs)

Health Care FSA

Basic Life Insurance

Accidental Death and

THE FLEXIBLE BENEFITS PROGRAM

Basic Life Insurance

Two times Salary or $50,000, whichever is greater. Employees

One times Salary (employee only)

Dental Option B or the Aetna DMO (if available in your area),

Shared Cost Benefits

What You Pay

You pay a percentage of the cost based

You pay the amount in excess of the core

THE FLEXIBLE BENEFITS PROGRAM

Cost Sharing for Medical Benefits

You pay this percentage of the medical plan premium

Premium for Option A:

Minus Premium for Option B

Equals Your Annual Cost for Option A:

THE FLEXIBLE BENEFITS PROGRAM

A Benefits Value Statement (BVS); and,

A Personal Fact Sheet (PFS).

THE FLEXIBLE BENEFITS PROGRAM

THE FLEXIBLE BENEFITS PROGRAM

WHEN COVERAGE BEGINS

YOU CAN CHANGE YOUR COVERAGE

THE FLEXIBLE BENEFITS PROGRAM

Family Status Change Summary

If You Get Married

You may change your coverage category from employee only to

You may change your option level.

You may change your option level.