MONEY
Health Savings Account (HSA)
Offers an opportunity to save and pay tax-free for eligible out-of-pocket health care expenses, including medical, prescription drug, dental, and vision expenses today and into the future. You can grow your balance through your own before-tax contributions (up to annual IRS limits), HSA matching contributions from MDLZ (if your annual base pay is less than $75,000), and interest/investment returns on your invested HSA dollars.
Flexible Spending Accounts (FSAs)
Provide opportunities to set aside before-tax dollars to help pay for eligible out-of-pocket expenses in a given year. For 2025, you can contribute up to $3,200 before-tax to the Health Care Flexible Spending Account (Health Care FSA) if you’re not contributing to an HSA; and up to $5,000 before-tax to the Dependent Day Care FSA. Keep in mind that you lose any unused amounts that remain in your FSA at the end of each year, so it’s important to plan carefully.
Life and Disability
Offers income protection for you through Company-paid automatic coverages, including Basic Life Insurance, Business Travel Accident (BTA) Insurance, and Short-Term Disability (STD) coverage. Plus, you can purchase optional coverages such as Optional Life Insurance, Voluntary Accidental Death & Dismemberment (VADD) Insurance, and Long-Term Disability (LTD) coverage for additional protection.
401(k) Savings Plan
Supports your financial well-being as a tax-advantaged retirement savings vehicle. With the Mondelēz Global LLC Thrift 401(k) Savings Plan—401(k) Savings Plan—you generally may contribute from 1% to 50% of your eligible pay on a before-tax and/or after-tax basis. Contributions may also be made as Roth, which are after-tax contributions, but their earnings are tax-free.
The Company also contributes to your account through Company basic and Company matching contributions. You can then invest across a variety of investment options and change your investment elections and contribution rate throughout the year.
Support The Right You—financially
MDLZ wants to ensure you’re using the 401(k) Savings Plan to prepare financially for the future, which includes contributing yourself, so you don’t miss out on maximizing Company matching contributions. That’s why if you don’t make an active election when you’re first eligible, automatic enrollment starts you at a 3% before-tax employee contribution rate (your before-tax contribution rate then increases by 1% each year until it reaches 10%). Either way, you can change your election at any time.