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Do Not Resuscitate Order For PepsiCo Employees

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Healthcare Provider Update: Healthcare Provider for PepsiCo PepsiCo's primary healthcare provider for employee health benefits is the UnitedHealthcare network, which offers a range of healthcare services and insurance plans for PepsiCo employees. Potential Healthcare Cost Increases in 2026 In 2026, PepsiCo and its employees may face notable increases in healthcare costs due to a combination of factors influencing the Affordable Care Act (ACA) marketplace. Insurance premiums are projected to rise significantly, with some states seeing hikes upwards of 60%, primarily driven by the expiration of enhanced federal premium subsidies. Additionally, the rising costs of medical services and pharmaceuticals are contributing to overall healthcare inflation, with insurers reporting anticipated increases in claims expenses. This perfect storm could potentially lead to out-of-pocket costs skyrocketing for consumers, creating substantial financial pressures. Click here to learn more

What Is It?

As a PepsiCo employee, you have the right to decline medical treatment, even if you die as a result of your decision. Depending on your medical condition, your prognosis, and your views on the quality of life, you may wish to refuse lifesaving measures, such as cardiopulmonary resuscitation (CPR). Executing a do not resuscitate (DNR) order is one way of doing this. A DNR is a doctor's order that tells all other medical personnel not to perform CPR if you go into cardiac arrest. Cardiac arrest occurs when your heart stops beating, blood flow to your brain stops, and you stop breathing. If the blood flow is not quickly restored, permanent damage to the brain and other organs can occur. CPR simulates heartbeat and breathing, while attempting to restart these functions.

The term  CPR  actually encompasses a variety of separate procedures, including cardiac compression, endotracheal intubation, assisted ventilation, defibrillation, and cardiac medications. Most states recognize two types of DNRs. One is effective only while you are hospitalized. The other is used by people outside the hospital--for example, nursing home residents, hospice patients, and even those who are not receiving medical treatment.

Typically, terminally ill patients and elderly individuals execute DNRs to avoid prolonging their final illnesses. However, some states allow healthy adults to execute the orders, as well. Depending on the laws of your state, a DNR used outside the hospital may be called a 'pre-hospital DNR,' 'out-of-hospital DNR,' 'outpatient DNR,' 'DNR for EMS,' or 'CPR directive.' As a result of your request, your doctor generally notes an in-hospital DNR order on your chart. Out-of-hospital DNRs take various forms, depending on the laws of your state. ID bracelets, MedicAlert necklaces, and wallet cards are some methods of noting DNR status.

When Can It Be Used?

Availability of DNRs Is Determined By State Law

Not all states have DNR laws. For PepsiCo employees, you may want to consider how your state's laws govern whether DNRs are permissible, who can execute a DNR, and what form the order must take. These laws may permit in-hospital DNRs, out-of-hospital DNRs, both of these, or neither of these. Some state laws allow any person of legal age to execute a DNR, while others permit DNRs only for individuals with terminally ill conditions. Some states allow children to participate in decisions regarding DNR in certain cases. Check the laws of your state and any other states where you spend a significant amount of time.

Strengths

Allows You to Exercise Choice In Medical Treatment

Cardiopulmonary resuscitation (CPR) has produced some miraculous results when used on normally healthy individuals in trauma situations. However, it can be a painful and even violent procedure. Its effectiveness is limited when used on terminally ill or hopelessly deteriorated patients. In some cases, CPR only delays the moment of death.

For example, CPR could restore your heartbeat, but if permanent brain or organ damage occurs during cardiac arrest, you may be dependent on life support machines. Executing a do not resuscitate (DNR) order allows you to choose a natural death.

Example(s):  Hal is hospitalized with a terminally ill condition. He is on a respirator and knows he has only a short time to live. Hal consults his doctor and learns that the laws of his state permit in-hospital DNRs. This will allow him to forego CPR if his heart fails. Hal asks his doctor to execute a DNR as soon as possible. The following week, Hal's heart stops. Because of Hal's DNR, hospital personnel do not attempt CPR.

Specifically Intended for an Emergency Situation

If you go into cardiopulmonary arrest, your DNR lets medical personnel know that you don't want CPR. Because of the emergency nature of this situation, other types of advanced directives are usually not timely enough to accomplish this goal.

Tradeoffs

Extremely Limited Usefulness

Although a do not resuscitate (DNR) order is a very powerful instrument, it is only effective under specific conditions. Generally, a DNR comes into play only if you go into cardiac arrest, and it frequently only allows you to refuse cardiopulmonary resuscitation (CPR), although in some states it may allow you to decline other drastic medical treatment as well. A living will or durable power of attorney for health care may be needed to convey other medical treatment instructions, such as your wishes regarding life support and intravenous feeding.

Out-of-Hospital DNR May Not Be Effective In Other States

As a PepsiCo employee, it is beneficial to understand how an out-of-hospital DNR that is valid in your state may not be valid in other states. Therefore, if you spend a significant amount of time in another state, you should find out whether that state's laws recognize DNRs, whether you are eligible to have a DNR in that state, and what restrictions are placed on the form of the DNR.

Doctors May Be Hesitant to Broach This Topic or Reluctant to Write a DNR

If you are hospitalized with a serious illness, your doctor may not bring up the option of executing a DNR. If you don't want to be resuscitated, you should initiate this discussion with your doctor. Also, studies indicate that many doctors are slow to write DNRs, even when they are aware of their patients' preferences, although the reasons for this vary. If you are a PepsiCo employee and want to ensure your wishes are followed, you should touch base with your doctor to make sure the DNR is placed on your chart.

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How to Do It

Research Your State's Laws Regarding Dnrs

Not all states provide for these orders. Each state has its own eligibility requirements, particularly for out-of-hospital DNRs.

Discuss Your Wishes With Your Doctor

Your doctor should be able to provide information on your prognosis and counsel you on your options. If you are a PepsiCo employee, your doctor's signature will most likely be required on any DNR you execute.

Execute Your Out-of-Hospital DNR Properly And Keep It With You

If you are a PepsiCo employee interested in DNR, you must consider how if your state allows out-of-hospital DNRs, there is probably a required format for the order. Examples of state-required DNR formats include ID bracelets, necklaces, wallet cards, and letter-size forms. If your DNR is not in the required form, it may not be honored. If medical personnel can't find your DNR order, they are obligated to give full and immediate care. Thus, it is extremely important to execute your DNR order properly and keep it with you (or in an appropriate place) at all times.

Example(s):  Hal is a resident of an assisted-living facility. Hal is 89 years old and feels he has lived a good life. He does not want to die in a hospital or be dependent on machines for his survival. Hal discusses his feelings with his doctor. Hal's doctor suggests executing an out-of-hospital DNR, which will instruct medical personnel not to perform cardiopulmonary resuscitation (CPR) if Hal goes into cardiac or respiratory arrest. Hal agrees and receives an ID bracelet noting his DNR status. Hal wears his bracelet faithfully. Six years later, Hal's heart fails as he jogs in the park. Medical personnel arrive on the scene, but immediately notice  Hal's DNR ID bracelet. CPR is not attempted.

Tell People About Your Decision

In general, other people cannot reverse your decision once you execute a DNR. As a PepsiCo employee however, if your DNR is misplaced or for some reason is not followed, it would be important for your family and friends to understand your wishes. Although this topic may be difficult to discuss, those close to you are more likely to support and uphold your decision if they understand how you feel and why you feel that way. If you have appointed a representative in a durable power of attorney for health care (DPAHC) , it is especially important that this person be aware of your decision.

Coordinate All Advanced Directives

Since a DNR is so limited in scope, you may wish to establish a living will and/or DPAHC as well. If you do so, make sure your wishes are stated consistently throughout these documents. In some states, the most recent document will govern if there is a conflict, so you must make sure your wishes are clear.

Tax Considerations for PepsiCo Employees

Income Tax

None

Gift And Estate Tax

None

Questions & Answers for PepsiCo Employees

What If You Go Into a Coma Before Executing Your DNR, And You Can't Express Your Wishes?

Your healthcare representative, if you have appointed one, may be able to have a DNR executed on your behalf. As a PepsiCo employee, there must be evidence that this is what you would want. You might include these instructions in your durable power of attorney for health care , especially if the laws of your state do not allow out-of-hospital DNRs. Be aware, however, that this method of instruction is useless in an emergency if your representative is not present. In some states, with your family's consent, your doctor may be able to execute a DNR on your behalf. Again, it would be unwise to rely on this course of action in an emergency.

Can You Change Your Mind?

Yes, it is possible to revoke a DNR order. If you have an out-of-hospital DNR, you may be able to revoke it by simply removing the bracelet or the wallet card. However, some states also have a database of DNR patients. If this is true in your state, you may need to take additional steps to revoke your DNR. When your doctor writes the DNR, ask what steps are necessary to revoke the order.

Additionally, medical personnel must give emergency care to anyone who requests it. For example, Emergency Medical Service guidelines in Wisconsin instruct personnel to perform cardiopulmonary resuscitation (CPR) if a person rips off his or her DNR bracelet or asks for CPR during cardiac arrest.

What are the key steps an employee needs to take to prepare for retirement from PepsiCo, and how do these steps ensure that they maximize their benefits and entitlements?

Preparing for Retirement: Employees preparing for retirement from PepsiCo need to understand their retirement benefits, estimate their financial needs, and officially inform PepsiCo of their decision to retire. These steps are vital to ensure they maximize their benefits, including pensions, 401(k) plans, and retiree healthcare. The PepsiCo Savings and Retirement Center at Fidelity helps guide employees through this process, ensuring they make well-informed decisions​(PepsiCo_October 2022_Ge…).

In what ways can PepsiCo employees navigate the complexities of their pension options, and what considerations should they have in mind when deciding between a lump sum and annuity?

Navigating Pension Options: PepsiCo employees can choose between a lump sum or an annuity for their pension benefits. When deciding, they should consider personal circumstances, such as life expectancy and financial needs. Employees can use the NetBenefits platform to estimate pension values at different retirement dates and consult financial counselors through Healthy Money for personalized advice​(PepsiCo_October 2022_Ge…).

How does the PepsiCo Retiree Health Care Program function after retirement, and what criteria must be met for an employee to effectively enroll and maintain this coverage?

Retiree Health Care Program: PepsiCo offers a Retiree Health Care Program available until employees reach age 65, after which coverage transitions to the Via Benefits marketplace. Employees must actively enroll within 31 days of retirement to maintain coverage, or defer enrollment if preferred. The Retiree Health Care Contribution Estimator helps estimate future costs​(PepsiCo_October 2022_Ge…)​(PepsiCo_October 2022_Ge…).

How do the Automatic Retirement Contributions (ARC) at PepsiCo enhance an employee's retirement savings strategy, and what options do employees have to manage their ARC investments?

Automatic Retirement Contributions (ARC): Employees who receive ARC can manage their investments through NetBenefits. These contributions are automatically added to their retirement savings, enhancing long-term financial security. Employees can review and adjust their investment options to align with their retirement strategy​(PepsiCo_October 2022_Ge…).

For employees aging 50 and over, what catch-up contribution options does PepsiCo provide to help with their 401(k) savings, and how can they take advantage of these benefits in their retirement planning?

Catch-Up Contributions: PepsiCo employees aged 50 and above can contribute additional amounts to their 401(k) plans under the catch-up contribution option. This benefit allows employees to boost their retirement savings, helping them prepare more effectively for retirement​(PepsiCo_October 2022_Ge…).

What resources are available through PepsiCo for employees looking to calculate their retirement expenses, and how do these tools help in setting realistic financial goals for retirement?

Retirement Expense Calculators: PepsiCo provides tools like the Fidelity Planning & Guidance Center, which helps employees estimate retirement expenses. This tool includes health care costs, mortgage payments, and other potential retirement expenses, enabling employees to set realistic financial goals​(PepsiCo_October 2022_Ge…).

How should employees at PepsiCo approach Social Security benefits when planning for retirement, and what role does the company play in facilitating their understanding of these benefits?

Social Security Benefits: Employees approaching retirement should consider when to start Social Security benefits. PepsiCo provides guidance through Healthy Money, helping employees understand how Social Security fits into their overall retirement strategy​(PepsiCo_October 2022_Ge…).

What impact does health care coverage have on retired employees' finances, and how can PepsiCo retirees effectively use the Retiree Health Care Contribution Estimator to prepare for future health costs?

Retiree Health Care Contribution Estimator: Health care can significantly impact a retiree's budget. The Retiree Health Care Contribution Estimator is a tool PepsiCo retirees can use to prepare for future health costs. It helps employees estimate their contributions and explore different plan options to manage their post-retirement health care expenses​(PepsiCo_October 2022_Ge…).

How can employees get in touch with the appropriate resources to learn more about PepsiCo’s retirement benefits, and what specific contact information should they keep handy during this process?

Contact Information: To learn more about PepsiCo's retirement benefits, employees should contact the PepsiCo Savings and Retirement Center at Fidelity at 1-800-632-2014. Additionally, they can access resources on NetBenefits or consult Healthy Money counselors for personalized financial guidance​(PepsiCo_October 2022_Ge…).

What are the implications of interest rate fluctuations on pension benefit calculations at PepsiCo, and how should employees factor these rates into their retirement planning decisions? These questions encourage a comprehensive understanding of the various aspects of retirement planning specific to PepsiCo, as well as consideration for personal financial management.

Interest Rate Fluctuations and Pension Calculations: PepsiCo employees considering a lump sum pension payout should be aware that lump sum values are inversely related to interest rates. A higher interest rate results in a lower lump sum payout, so employees should monitor interest rate trends when planning their pension distribution​(PepsiCo_October 2022_Ge…)​(PepsiCo_October 2022_Ge…).

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
PepsiCo offers both defined benefit and defined contribution pension plans. The defined benefit plan provides a stable retirement income based on years of service and final average pay. The defined contribution plan includes a 401(k) option with company matching contributions, allowing employees to save for retirement through various investment options. PepsiCo also offers a Profit Sharing Plan and a Stock Bonus Plan, providing additional retirement savings opportunities.
Restructuring and Layoffs: PepsiCo is undergoing a restructuring process that includes laying off approximately 2,000 employees globally (Source: Reuters). Operational Efficiency: The company aims to save $1 billion annually through these measures. Financial Performance: PepsiCo reported a 5% increase in net revenue for Q3 2023, driven by strong demand for its beverages and snacks (Source: PepsiCo).
PepsiCo grants RSUs that vest over time, providing shares upon meeting vesting conditions. Stock options are also available, allowing employees to purchase shares at a fixed price.
PepsiCo has implemented substantial enhancements to its employee healthcare benefits, adapting to the current economic, investment, tax, and political environment. In 2022, the company introduced a robust employee well-being program based on three pillars: "Be Well," "Find Balance," and "Get Involved." The "Be Well" pillar includes fitness programs, nutrition education, and access to on-site fitness centers and virtual fitness classes. The "Find Balance" pillar focuses on mental and emotional health, providing access to virtual mental health services and a stress management app. The "Get Involved" pillar promotes community involvement and social connections, essential for holistic well-being. These initiatives aim to support employees' physical, financial, and emotional health, ensuring they can bring their best selves to work. In 2023, PepsiCo continued to expand its healthcare offerings, emphasizing mental health support and financial well-being. The company launched the "Healthy Money" program, which provides personalized financial education and resources to help employees manage finances and prepare for retirement. Additionally, PepsiCo enhanced its environmental, health, and safety (EHS) culture with the "Courage to Care" initiative, which includes comprehensive health and safety policies and procedures. These efforts reflect PepsiCo's commitment to creating a supportive and engaging work environment, which is critical for attracting and retaining top talent in a dynamic economic landscape.
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For more information you can reach the plan administrator for PepsiCo at 700 anderson rd Purchase, NY 10577; or by calling them at 914-253-2000.

https://www.pepsico.com/documents/pension-plan-2022.pdf - Page 5 https://www.pepsico.com/documents/pension-plan-2023.pdf - Page 12 https://www.pepsico.com/documents/pension-plan-2024.pdf - Page 15 https://www.pepsico.com/documents/401k-plan-2022.pdf - Page 8 https://www.pepsico.com/documents/401k-plan-2023.pdf - Page 22 https://www.pepsico.com/documents/401k-plan-2024.pdf - Page 28 https://www.pepsico.com/documents/rsu-plan-2022.pdf - Page 20 https://www.pepsico.com/documents/rsu-plan-2023.pdf - Page 14 https://www.pepsico.com/documents/rsu-plan-2024.pdf - Page 17 https://www.pepsico.com/documents/healthcare-plan-2022.pdf - Page 23

*Please see disclaimer for more information

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