Dear Employees, This website is an Open Enrollment Guide for your review as you consider the options you would like to choose for your health benefits beginning January 1, 2018. We have taken elements of health plans from each of our organizations and combined them into options that meet a wide variety of needs. To ensure you are equipped to make the best decisions for your health benefit coverage, we will utilize an assisted open enrollment process with a firm called DirectPath. Benefits Educators trained on the details of the TKC Holdings benefits will help you enroll in selections that are tailored to meet your individual goals. Healthcare costs nationwide continue to rise considerably. The 2018 TKC Holdings benefit plans have been designed to give you an opportunity to navigate the rising expenses. As always, we encourage employees to pursue healthy lifestyle choices. TKC Holdings makes every effort to offer comprehensive benefits with quality healthcare at a reasonable cost. This is an ongoing partnership in which we all benefit from a commitment to health. Please review the Open Enrollment Guide carefully for specifics on each of the plan options and all of the changes for the 2018 plan year. Best regards, Jim Theiss CEO
Benefits Details Medical and Prescription Coverage Health Savings Account Flexible Spending Accounts Dental Insurance Vision Insurance Disability Insurance Life & AD&D Insurance Critical Illness Insurance Accident Insurance Universal LifeEvents Insurance Advocacy and Transparency Services Next Steps & Contacts
Table of Contents
Welcome to your 2017 Benefits Enrollment
Click here to watch a short video about this benefit
2018 Benefits Enrollment: October 4-20, 2017
TKC Holdings is pleased to announce your 2018 employee benefits program, which is designed to help you stay healthy, feel secure, and maintain a work/life balance. Offering a competitive benefits package is just one way we strive to provide our employees with a rewarding workplace.
Who Is Eligible?
When Is My Coverage Effective?
The effective date of your benefits elections is January 1, 2018. Please read the enclosed information carefully and consider each product offering. This benefits program will allow you to protect your income, health and family in times of need.
Changing Coverage During the Year
For most of these benefits, you may change your coverage during the year only when you experience a qualifying event, such as marriage, divorce, birth, death, adoption, placement for adoption or loss of coverage. You have 31 days to report the change to your HR Department. The change must also be consistent with the event. For example, if your dependent child no longer meets eligibility requirements, you can drop coverage only for that dependent.
When and How Do I Enroll?
All full-time employees working 30 or more hours per week are eligible to participate in the TKC Holdings benefits program. Eligible employees may also enroll their legal spouse, domestic partner and/or dependent children. A dependent child may be the natural child, stepchild, legally adopted child, foster child or other child for whom the employee has permanent legal custody.
Open enrollment will be conducted October 4-20, 2017. This year has brought many changes for the Trinity, Keefe and Courtesy teams. We have partnered with DirectPath Benefits Educators to educate you about the changes in your benefits and enroll you in your selections for 2018. All employees must schedule an appointment with a Benefits Educator to have benefits for 2018. These are trained, non-commissioned Benefits Educators who will answer questions about the benefits program and help you enroll in your benefits for 2018. They are trained to respect confidentiality and will not disclose any of your confidential information.
Benefit Details
Coinsurance: Your share of the costs of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service. You generally pay coinsurance plus any deductibles you owe. (For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.) Copay: A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service. Cost Sharing: Your share of costs for services that a plan covers that you must pay out of your own pocket (sometimes called “out-of-pocket costs”). Some examples of cost sharing are copayments, deductibles, and coinsurance. Family cost sharing is the share of cost for deductibles and out-of-pocket costs you and your spouse and/or child(ren) must pay out of your own pocket. Other costs, including your premiums, penalties you may have to pay, or the cost of care a plan doesn’t cover usually aren't considered cost sharing. Deductible: An amount you could owe during a coverage period (usually one year) for covered health care services before your plan begins to pay. An overall deductible applies to all or almost all covered items and services. A plan with an overall deductible may also have separate deductibles that apply to specific services or groups of services. A plan may also have only separate deductibles. (For example, if your deductible is $1,000, your plan won’t pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible.) Formulary: A list of drugs your plan covers. A formulary may include how much your share of the cost is for each drug. Your plan may put drugs in different cost sharing levels or tiers. For example, a formulary may include generic drug and brand name drug tiers, and different cost sharing amounts will apply to each tier. In-network Coinsurance: Your share (for example, 20%) of the allowed amount for covered health care services. Your share is usually lower for in-network covered services. In-network Copayment: A fixed amount (for example, $15) you pay for covered health care services to providers who contract with your health insurance or plan. In-network copayments usually are less than out-of-network copayments. Maximum Out-of-pocket Limit: Yearly amount the federal government sets as the most each individual or family can be required to pay in cost sharing during the plan year for covered, in-network services. Applies to most types of health plans and insurance. This amount may be higher than the out-of-pocket limits stated for your plan. Network: The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services. Out-of-network Coinsurance: Your share (for example, 40%) of the allowed amount for covered health care services to providers who don't contract with your health insurance or plan. Out-of-network coinsurance usually costs you more than in-network coinsurance. Out-of-network Copayment: A fixed amount (for example, $30) you pay for covered health care services from providers who do not contract with your health insurance or plan. Out-of-network copayments usually are more than in-network copayments. Out-of-network Provider: A provider who doesn’t have a contract with your plan to provide services. If your plan covers out-of-network services, you’ll usually pay more to see an out-of-network provider than a preferred provider. Your policy will explain what those costs may be. May also be called “non-preferred” or “non-participating” instead of “out-of-network provider.” Out-of-pocket Limit: The most you could pay during a coverage period (usually one year) for your share of the costs of covered services. After you meet this limit, the plan will usually pay 100% of the allowed amount. This limit helps you plan for health care costs. This limit never includes your premium, balance-billed charges or health care your plan doesn’t cover. Some plans don’t count all of your copayments, deductibles, coinsurance payments, out-of-network payments, or other expenses toward this limit.
*This is a brief outline of the plan. Please refer to the summary plan description for complete details.
Medical Rates - Weekly
Medical Rates - Bi-weekly
Medical Benefits Overview
Health Reimbursement Account (HRA)
One of your medical plan options is a Health Reimbursement Account (HRA). An HRA has an employer contribution that may be used for deductibles, coinsurance, and copays. Your HRA gives you the opportunity to manage your healthcare expenses in partnership with CPSI. If employment ends, you cannot take the balance of your account with you. Your HRA is designed to pay your physician or hospital directly on your behalf. Employees will use HRA contributions to pay out-of-pocket medical expenses, such as deductibles and coinsurance until the HRA balance is exhausted. Any unused funds, up to the deductible amount, will remain in the participant’s account and may be used for the next plan year. TKC Holdings provides funding to your HRA of $520 for individual coverage and $1,040 for family coverage when enrolled in the HRA Plan.
*This is a brief outline of the plan. Please refer to the summary plan description for complete details. AD = After Deductible
Prescription Coverage
When you enroll in one of the medical plans, you automatically receive prescription drug coverage through CVS/Caremark. Copayment amounts vary depending on the prescription drug tier – generic, preferred brand or non-preferred brand.
Prescription Drug Plan Overview
Medical Overview & Rates
Medical and Prescription
Your health-related needs and considerations are unique to you and your family. You may elect coverage with the HRA Plan, HSA Plan, Conventional Choice Plan, or Preferred Choice Plus Plan for the 2018 plan year. Click on the icons below for more information. When you enroll in one of the medical plans, you automatically receive prescription drug coverage through CVS/Caremark. Copayment amounts vary depending on the prescription drug tier – generic, preferred brand or non-preferred brand.
Click Here For
Terms To Know
• You can use the funds in this account to pay for qualifying out- of-pocket expenses, such as deductibles, copayments and coinsurance. • The contributions made by you are tax-deductible. • Interest accrued in your HSA Account is also tax-free. • You can withdraw money from your HSA without paying taxes to cover the cost of qualifying medical expenses. • Unspent funds can remain in your HSA account from year to year, unlike flexible spending accounts and health reimbursement accounts, that require you to spend or lose the money that was set aside if not spent within a certain amount of time. • HSA accounts are portable, meaning they stay with you even if you change jobs or leave the workforce. • TKC Holdings provides funding to your HSA of $520 for individual coverage and $1,040 for family coverage when enrolled in the HSA Plan. You can also add additional contributions to the account.
What Are the Benefits of an HSA?
You can make a contribution to your HSA via payroll deductions each year that you are eligible. Contributions from all sources are limited by the IRS and cannot exceed the following in 2018: • Individual $3,450/Family $6,850 • HSA catch-up contributions (age 55 or older) cannot exceed $1,000.
How Much Can I Contribute To An HSA?
Your HSA funds can be used tax-free to pay for out-of-pocket qualified medical expenses, even if the expenses are not covered by your HDHP (High Deductible Health Plan). This includes expenses incurred by your spouse or dependents. All of these expenses may be paid for with distributions from your HSA, free from federal income tax or state income tax (for most states). Examples of non-qualified expenses include health club dues, teeth whitening, nutritional supplements, cosmetic surgery, hair removal/hair transplants, and diet foods. HSA funds used to pay for non-qualified medical expenses are subject to a penalty fee and tax. Refer to IRS Publication 502 at www.irs.gov for a more complete list of qualified and non-qualified medical expenses.
What Does An HSA Cover?
• Choose a specific amount of money to contribute each pay period (pre-tax) to your account during the plan year. • The amount is automatically deducted from your pay at the same level each pay period. • As you incur eligible expenses, you may use your Health Savings Account (HSA) funds to pay for those expenses. • Your HSA account will be administered by a third party, Discovery Benefits.
How An HSA Works
Click the buttons below for more information
What are the benefits of an HSA?
A health savings account (HSA) is an account funded to help you save for future medical expenses not covered by your insurance plan, including the deductible, coinsurance and even dental expenses. You must be enrolled in the HSA plan to be eligible. To have an HSA, you must make a contribution each pay period. During enrollment, you will have an opportunity to open an HSA and determine the amount you would like to contribute. There are certain advantages to putting money into these accounts, including favorable tax treatment and the ability to roll unused funds over from year to year.
Health Savings Account
• Choose a specific amount of money to contribute each pay period, pre-tax, to one or both accounts during the year. Budget according to your and your family’s typical health care and dependent care spending. • The amount is automatically deducted from your pre-tax pay at the same level each pay period.
How An FSA Works
• The IRS has a strict “use it or lose it” rule. If you do not use the full amount in your FSA, you will lose any remaining funds. • You have until March 15, 2019, to use your FSA funds for expenditures incurred in 2018. • Once you enroll in the FSA, you cannot change your contribution amount during the year unless you experience a qualifying life event. • You cannot transfer funds from one FSA to another. • Employees are only eligible to incur claims against their 2018 FSA from January 1, 2018 – December 31, 2018, and have until March 15, 2019, to submit any receipts or documentation for those claims.
Important Rules to Keep In Mind
The health care flexible spending account is available for any employee, spouse or dependent child and may be used for any health, dental, and vision expenses not reimbursed by any other benefit plans. These expenses include deductibles, copays, coinsurance, dental services, eyeglasses, contact lenses, Lasik eye surgery, orthodontics for adults and children, hearing aids, chiropractor, some diabetic supplies, medical equipment, and other out-of-pocket costs.
Health Care Flexible Spending Account
The dependent care flexible spending account allows you to set aside pre-tax dollars for dependent care expenses,such as day care, preschool, after-school care, or elder care for qualified dependents. If you are married, both you and your spouse must be employed full-time in order to participate in this tax savings plan.
Dependent Care Flexible Spending Account
Health Care FSA: $2,600 Dependent Care FSA: $5,000 married filing jointly / $2,500 single or married filing separately
Maximum Annual Election
Health Care FSA
Dependent Care FSA
How an FSA Works
The Flexible Spending Account (FSA) plan allows you to set aside pre-tax dollars to cover qualified expenses you would normally pay out of your pocket with post-tax dollars. The plan is comprised of a health care spending account and a dependent care account. You pay no federal or state income taxes on the money you place in an FSA.
Flexible Spending Accounts
*Annual eye exams are included with all coverage tiers. **This coverage includes one exam every 12 months, but does not include any discounts on frames or lenses
You also receive a 20% discount on a second pair of glasses and a 15% discount on professional service fees for elective contact lenses when ordering from one of the Humana network eye doctors.
CPSI offers vision insurance through Humana VisionCare. The plan deducts from your pay before any federal income or FICA taxes are withdrawn, which makes your taxable wage base lower so you would pay less tax. This benefit is not subject to the spousal carve out.
Dental Rates
These options are offered to ensure that you have a choice that works for you and your family’s needs. A summary of the plan options available is below.
TKC Holdings has three dental plan options through Cigna.
Dental BENEFITS
Dental Rates - Bi-Weekly
Dental Rates - Weekly
Dental Benefits Overview
Vision Rates (Bi-Weekly)
Vision Rates - Weekly
Vision Benefits Overview*
Vision Rates
This comprehensive vision plan is designed to promote optimum eye health for you and your family. Receiving your vision benefit is as easy as visiting a network provider. To locate participating providers, visit www.EyeMedVisionCare.com and click “Find a Provider.” The chart below is a brief summary of your vision plan. Please refer to the Summary Plan Description for complete plan details.
TKC Holdings is pleased to offer a vision plan through EyeMed.
Vision BENEFITS
For 2017, enroll or increase your Supplemental Life Insurance coverage amount without Proof of Insurability. Use the links below to get more information about the life, accident and disability benefits available to you.
Disability benefits provide income protection to you and your family if you are unable to work.
Disability Insurance
TKC Holdings provides short-term income protection in the event you become unable to work due to a non-work related illness or injury. Short-term disability insurance through Unum is provided at no cost to you. The short-term disability plan pays a percentage of your weekly base salary up to the specified maximum. You must fulfill the elimination period in order to receive disability benefits. Please see the summary plan description for complete plan details. This benefit is not available in Puerto Rico, New Jersey, New York, and California.
Short-Term Disability Insurance
TKC Holdings also provides long-term disability coverage at no cost to you through Unum. If you have an illness or injury that lasts longer than 180 days, this plan replaces 50% of your base monthly pay, up to a monthly maximum of $10,000. It can help you pay your bills and protect your finances at a time when you have extra medical costs but don’t get a paycheck. Long-term disability insurance does have limitations in the event of a pre-existing condition (See below). You also have the option to purchase additional coverage to replace 60% of your base monthly pay, up to a monthly maximum of $15,000. **Please note this coverage can only be added for new hires, at open enrollment or for a qualified life event. You may still be subject to evidence of insurability and the pre-existing condition clause. You earn $12,000 per month. To determine your monthly benefit, multiply your monthly income by 60% (not to exceed $15,000) = $7,200 To determine your monthly rate, multiple your monthly benefit amount by the rate of $.0036 = $25.92 To determine your per paycheck cost, multiply $25.92 x 12 months ÷ by 26 payperiods = $11.96 Regarding pre-ex: This means the coverage will not pay for a disability within the first 12 months of your effective date if you received (or a reasonable person would have received) medical treatment, consultation, or services in the 3 months prior to the effective date of coverage for that condition. Please know any new conditions would be covered. If you were previously covered by your employer’s LTD plan, that time will be credited towards the satisfaction of the pre-existing condition limitation provision.
Long-Term Disability Insurance
Life & AD&D Insurance
You may purchase additional Voluntary Life insurance through Unum to meet your personal family needs. Protecting your family’s future is of the utmost importance, and this plan provides an excellent opportunity to purchase affordable supplemental life insurance at a low group rate. You pay the total cost of this benefit through convenient payroll deductions. You may purchase supplemental life insurance for you, your spouse and child(ren). Employee coverage is available at 1 to 6 times your salary, up to $1,000,000 (combined with basic life amount). Spouse coverage is available in increments of $10,000 (maximum of $500,000). The dependent child options are $5,000, $10,000, or $20,000.
Supplemental Life and AD&D Insurance
A fundamental element of any benefits package is life insurance designed to protect you and your loved ones from financial hardships related to an untimely death. TKC Holdings provides you with one times your salary (up to $700,000) of Basic Life and AD&D through Unum. This benefit is provided to you at no cost.
Basic Life and AD&D Insurance
Critical Illness Insurance
Could your bank account survive a serious illness?
Click Below for More Information About:
Trustmark Critical Illness Insurance $50 Health Screening
Health Screening Rider
To help you stay well, the Health Screening Benefit pays a $50 benefit toward the cost of one screening test per calendar year. Some of the many screening tests covered include Low dose mammography, Pap smear (women over 18), Serum cholesterol, Prostate specific antigen, Stress test, Colonoscopy, Bone marrow, and Chest X-ray.
Trustmark Critical Illness Insurance pays a lump-sum cash benefit upon the diagnosis of a covered critical illness to help ease not just your financial worries, but your emotional ones, too. You can use the benefit any way you wish, whether it’s for treatment, changes to your home or someone to watch your kids.
Benefits you’ll appreciate:
Single cash benefit – Choose a benefit from $5,000 to $100,000. Benefit amounts vary by state. Pre-existing conditions may apply. Please consult your policy/group certificate for details. Guaranteed renewable – Guaranteed active coverage for life, as long as premiums are paid on time. Your premium may change if the premium for all policies in your class changes. Level premiums – Enjoy rates that don’t increase because of age. Hospitalization/treatment – Not required to collect benefit. You receive benefit payment after diagnosis. Family coverage – Apply for your spouse, children and dependent grandchildren even if you choose not to participate. Best Doctors® – Receive the one-on-one support of Best Doctors, a leader in connecting you to the medical information you may need for covered conditions.
• Invasive cancer • Heart attack • Stroke • Renal (kidney) failure • Blindness • ALS (Lou Gehrig’s disease) • Major organ transplant • Paralysis of at least two limbs • Coronary artery bypass surgery (25% benefit) • Carcinoma in situ (25% benefit)
Covered conditions include:
Accident Insurance
Initial Care Benefits: Physician visit, ambulance, emergency room treatment, hospital benefits, lodging, blood, surgery, emergency dental Injury Benefits: Burn; concussion; dislocation; eye injury; fracture; herniated disc; laceration; loss of finger, toe, hand, foot, sight; tendon, ligament, rotator cuff injury; torn knee cartilage Follow-up Care Benefits: Physical therapy, appliances, prosthetic device, artificial limb, skin graft, transportation Catastrophic Accident Benefit (in NY only) Accidental Death Benefit Health Screening Benefits (n/a NH, NY, and WA)
Trustmark’s Accident insurance helps take care of medical bills, so you can take care of your family. Benefits are paid directly to you without any restrictions on how you can use them. 24-hour coverage includes benefits for Hospital Admission, Hospital Confinement, Hospital Intensive Care Unit, and Emergency Room Treatment.
You do everything you can to keep your family safe, but accidents do happen. When they do, it’s good to know you have help to manage the medical costs associated with accidental injuries.
Features You'll Appreciate:
• Benefits paid directly to you without any restrictions on how you can use them. • Benefits are paid to you regardless of any other coverage you have. Guaranteed Issue – There are no medical questions you’ll have to answer; however, you must be actively at work, and your spouse or domestic partner must answer a disability question. Guaranteed Renewable – Renewable as long as premiums are paid. Level Premiums and Benefits – Rates don’t increase, and benefits don’t decrease because of age. Family Coverage – Apply for your spouse, children and dependent grandchildren. Portability – Take your coverage with you, and pay the same premium. It’s yours to keep even if you change jobs or retire. Convenient Payroll Deduction – No bills to watch for. No checks to mail. A direct bill option is available when you change jobs or retire.
Trustmark Accident Insurance - Schedule of Benefits
How do I submit a claim for my $50 health screening benefit? To download the form for filing a claim, simply go online to: www.trustmarksolutions.com/file-claim You will find a fillable Wellness Benefit claim form that you can submit online. Or you can fax your completed form and all requested documentation to 508.853.2867 or mail it to: Trustmark Insurance Company 100 North Parkway Suite 200 Worcester, MA 01605
Trustmark Universal Life Events Insurance
LifeEvents provides a death benefit to your beneficiaries if you pass away but also builds cash value and features living benefits for long-term care.
Lifelong protection – Provides coverage that will last your lifetime. Family coverage – Apply for your spouse and family members. Dependent children and grandchildren can be covered under a Universal Life policy. Terminal Illness Benefit – Accelerates up to 75 percent of your death benefit if your doctor determines your life expectancy is 24 months or less. Guaranteed renewable – Guaranteed coverage, as long as your premiums are paid. Your premium may change if the premium for all policies in your class changes.
Children’s Term Life covers newborns to age 22 and is convertible to Universal Life insurance without evidence of insurability. Accidental Death Benefit doubles the death benefit if death occurs by accident prior to age 75. EZ Value* automatically raises your benefits to keep pace with your increasing needs, without additional underwriting.
It pays a higher death benefit during your working years when expenses are high and you need maximum protection. Then, at age 70 when your financial needs are lower, your death benefit reduces to one-third. (Death benefit reduces to one-third at the latter of age 70 or the 15th policy anniversary. Issue age is 18-64.)
Universal LifeEvents Insurance
Rewards Program
Nurse Navigator
You have a health care advocate for that!
New Member Guide
Overview Guide
Call 877-759-7635 (option 3) Monday - Friday, 8AM - 5PM CT or email advocate@directpathhealth.com
Your single resource – one telephone number – for advocacy, transparency, benefit education, and enrollment assistance. DirectPath Advocates can help you navigate the health care system with medical, dental, and vision benefits, as well as FSA and HRA participation.
Your DirectPath Advocate Can:
• Answer questions about your benefits • Resolve claims and billing issues • Assist with referrals and prior authorization • Compare pricing for an upcoming procedure • Answer general questions about health care reform • Answer questions about open enrollment Call DirectPath in advance of scheduling any health care procedure or test. Your Advocate will contact 2-3 network providers to compare cost and quality information.
Transparency Tools – Do you want to reduce your medical expenses?
DirectPath’s unique transparency reporting reveals insight into health care costs – educating and enabling you to be a more-informed consumer. Prices vary greatly depending on where you live and where you receive treatment. Call DirectPath in advance of scheduling any elective test or procedure. Your Advocate will develop and deliver to you a comprehensive Transparency Report comparing the cost and quality of three providers. Then you can make an informed decision! CONFIDENTIAL — These services are completely free and confidential and are available to you and your dependents, spouse, parents and parents-in-law.
Understanding Your Benefits
Your Advocate becomes your first point of contact for all benefit-related questions and will educate you on the benefit programs offered through your employer to help you understand the programs best suited for you and your family! MEMBER ADVOCACY — Helping you navigate the health care system, your advocate assists you in resolving claim and billing issues or helping you determine your potential out-of-pocket costs for services. From scheduling appointments to seeking referrals for second opinions, DirectPath can: • Assist with medical and prescription drug claim questions and resolution • Locate providers and schedule appointments • Research physicians and facilities • Search for in-network providers for our benefit programs helping reduce your out-of-pocket costs for treatment
Advocacy & Transparency
Preferred Choice Plus Medical Plan Details
HSA Medical Plan Details
Unum Voluntary Life Evidence of Insurability (EOI) Form
Universal Life Events Insurance Flyer
Conventional Choice Medical Plan Details
Legal Notices
Printable Benefits Guide
Group Critical Illness Insurance Flyer
Premium Dental Plan Details
Standard Dental Plan Details
Base Dental Plan Details
EyeMed Vision Plan Details
Group Accident Insurance Flyer
HRA Medical Plan Details
For specific plan information and a printable version of your benefits guide, click the links below:
Next Steps
This site describes the benefit plans available to you as an employee of Charles River. The details of these plans are contained in the official plan and policy documents, including some insurance contracts. This site is meant only to cover the major points of each plan or policy. Charles River reserves the right to amend, modify, or terminate any benefit plan and/or cancel or modify any contributions, plan design, benefits provision or plan without prior notification. If there is a conflict between the information in this site and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern.
• Schedule your 2018 Open Enrollment appointment by clicking here or calling 877-759-7635 (M - F, 9 a.m. - 6 p.m. ET). • Have your dependent information (SSN and date of birth) with you at the time of your enrollment appointment. • All Trinity and Keefe plans will end December 31, 2017. To continue coverage, you must schedule an appointment with a Benefits Educator.
This guide describes the benefit plans available to you as an employee of TKC Holdings. The details of these plans are contained in the official plan and policy documents, including some insurance contracts. This guide is meant only to cover the major points of each plan or policy. TKC Holdings reserves the right to amend, modify, or terminate any benefit plan and/or cancel or modify any contributions, plan design, benefits provision or plan without prior notification. If there is a conflict between the information in this guide and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern.