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Colonial Beach Public Schools Benefits Guide

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4Colonial Beach Public Schools2023 – 2024 Employee Benefits Guide Open Enrollment

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TABLE OF CONTENTS Health Care Plans7Benefits Overview 3Life Benefits16Tax-Advantage Accounts13Disability Benefits15Important Contacts19Additional Benefits17Required Notices20

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2023-2024 Employee Benefits Guide 3Benefits OverviewBenefit Enrollment Process Tips ▪ Enrollment – You may enroll for coverage when you first meet eligibility requirements, during OpenEnrollment, or when you experience a qualifying life event.▪ Qualifying Life Events – Life events, such as the birth of a child, marriage, or divorce, must be aligned tothe event that occurred and documentation must clearly show proof of the details of the qualifying event.How to EnrollEnrolling in benefits is easy! Read your materials, including this benefits guide, and make sure you understandall the options available. You must submit your paperwork within 30 days of your eligibility date.▪ Contact HR for the enrollment forms▪ Fill out any necessary personal information.▪ Make your benefit choices.▪ If you have questions or concerns, please contact your HR department.Advanced Resolutions TeamThrough our Advanced Resolution Team (ART), you have access to live representatives who will help you getthe most out of your benefits and answer your questions.The ART Team can help educate you about your benefits and teach you how to navigate within the healthcaresystem.▪ Help you with enrollment changes including ID card requests▪ Coverage assistance▪ Facilitate resolution on billing issues▪ Assist you with claims▪ Locate in-network providers▪ And much, much more!The ART Team is available by phone or email, Monday through Friday 8am to 5pm (EST).▪ Call: 866.802.6311▪ Email: art@onedigital.comReturn to Table of ContentsOpen Enrollment will be held August 28th– September 8th

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2023-2024 Employee Benefits Guide 4When Coverage Begins New hires become eligible for coverage on the first day of the month following their date of hire formedical, dental, vision, FSAs and all voluntary benefits are available during open enrollment. If a new hirestarts on the first of the month, coverage will be effective that day.When you enroll during Open Enrollment, coverage begins the first day of the plan year, October 1.Once you make an election, it is in effect for the entire plan year and can only be changed at the next OpenEnrollment period or during the plan year if you or your eligible family member experiences a life event thataffects your eligibility for coverage.Making Changes to CoverageOnce you make your benefit elections, these choices remain in effect until the next annual Open Enrollmentunless you have a qualified family status change, or you or your eligible dependents become eligible forcoverage through special enrollment rules. If you experience a life event that affects your eligibility forcoverage, you may be able to change your benefit election during the plan year.Qualified Family Status Changes Include, But Are Not Limited To:Life events include:▪ Change in marital status▪ Change in number of dependents due to birth, adoption, death, or divorce▪ Change in employment status for yourself or your spouse▪ Special enrollment rights, such as marriage, birth, adoption or loss of other coverageChanges to your benefit elections must be consistent with the related status change and documentation maybe required. You must notify Human Resources within 30 days of the life event date in order make changes toyour benefit elections during the plan year.Click here to learn more about Qualifying Life Events.Benefits Overview ContinuedIf your covered spouse or child becomes ineligible for coverage ( i.e., you become legally separated or divorced), you must submit your benefit change to Human Resources within 30 days of the status change. Return to Table of Contents

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2023-2024 Employee Benefits Guide 5Our Benefits Program Has You Covered Most days, we all count on our simple routines to get us through, but sometimes things do not always go asplanned. For example, when your head cold turns out to be the flu, or when your son’s football game endswith a broken leg, that is when Colonial Beach Public School's benefits are there to help you.This guide provides an overview of our benefits program, which gives you the coverage you need for all typesof things life brings your way. Colonial Beach Public School's benefits allow you to choose the plans that workbest for your own needs – and your pocketbook. The key to getting the most from our benefits program is totake an active role in understanding and using the plans so that you are getting the best value for the moneyyou spend.Who is Eligible?You are eligible for the benefit plans if you are regularly scheduled to work at least 30 hours per weekDependent EligibilitySome benefit plans require you to make an election to enroll. If you make an election to enroll, you may alsocover your eligible family members in the health plan and other plans with dependent coverage. Your eligibledependents are defined in each benefit policy and include:▪ Your legal spouse (from whom you are not legally separated or divorced)▪ Unmarried/married dependent children (including stepchildren, legally adopted children andchildren placed with you for adoption and guardianship) to their 26th birthday, regardless ofstudent or residence status.▪ Unmarried/married dependent children (not their spouse or dependents) who are physically ormentally disabled. Proof of disability is required.Benefits TerminationIf your employment with Colonial Beach Public Schools ends, medical, dental and vision benefits end on thelast day of the month. Ancillary benefits terminate on the last day of employment.Benefits Overview ContinuedReturn to Table of Contents

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2023-2024 Employee Benefits Guide 6Key Health Insurance Terms▪ Copayments – A flat fee you pay for certain covered services, such as, doctor visits, urgent care visits,emergency room visits or prescriptions.▪ Deductibles – A flat dollar amount you must pay out of your own pocket before your plan begins to pay forcertain covered services.▪ Coinsurance – After you’ve reached your deductible, you and your plan may share some of your medicalcosts; the portion of covered expenses you are responsible for is called coinsurance.▪ Out-Of-Pocket Maximum – Specific limits for the total amount you will pay out of your own pocket; onceyou meet this maximum your plan then pays 100% of medical and prescription charges for the remainder ofthe plan year. Please be aware that this does not apply to out-of-network balance billing.▪ Health Savings Account – A Health Savings Account (HSA) is an account created for individuals who arecovered under High Deductible Health Plans (HDHPs) to save for medical expenses that HDHPs do notcover. Contributions are made into the account by the individual or the individual's employer and are limitedto a maximum amount each year. The contributions are invested over time and can be used to pay forqualified medical expenses, which include most medical care, such as, dental, vision and certain over the-counter drugs.▪ In-Network – Accessing care from a provider contracted with the insurance plan you have selected offersricher benefits and lower out-of-pocket costs.▪ Out-Of-Network – Accessing care from a provider that is not contracted with the insurance plan you haveselected may result in higher out-of-pocket costs.▪ Emergency Room – Meant for true emergencies to provide fast, life-or-limb saving care for severe and life-threatening conditions. Emergency Rooms are equipped for nearly any type of medical emergency. Theyhave the widest range of services for emergency after-hours care, including diagnostics tests and access tospecialists. Emergency Rooms are found at most hospitals, and they are typically open 24 hours a day, 7days a week.▪ Urgent Care Center – Set up to assist patients with an illness or injury that does not appear to be life-threatening, but also can’t wait until the next day or for their primary care physician to see them. A trueurgent care center will be staffed with doctors and nurses who have access to x-ray and a lab onsite. Mosturgent care centers are open after normal business hours, including evenings and weekends.Enrollment is due within 31 days of your qualifying event date. Return to Table of ContentsBenefits Overview Continued

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2023-2024 Employee Benefits Guide 7Medical PlansColonial Beach Public School’s medical options,through Anthem, provide coverage for the sametypes of expenses, such as doctor’s office visits,preventive care, prescription drugs andhospitalization. The differences in the plans come inwhat you will pay from your paycheck and what you’llpay for services received. You choose the option thatmakes the most sense for you and your family basedon your needs and what you want to pay for.Choosing a Medical OptionWhen it comes to medical coverage, Colonial BeachPublic Schools provides you with the choice of threeAnthem BCBS medical plans. Plan options includethe HealthKeepers HSA 2000, HealthKeepersPOS 1000, and KeyCare 30 2000.Plan OverviewWith these plans, you can see any In-Networkdoctor, including specialists, without referrals. Youdo not need to choose a PCP; however, we dosuggest you have a PCP to help manage your care.If you choose to receive care outside the network,you will have a significantly lower level of coveragewhich means you might have to pay more for theservice.In an emergency, your care is covered. If you areconfined to an Out-of-Network hospital, notification isrequired.Enrollment in the HDHP plan allows you to alsocontribute towards a Health Savings Account (HSA).Is Your Doctor In-Network? ▪ To locate a provider in the Anthem BCBS network visit and sign in to search for a provider.You may also locate a participating provider bycalling the phone number on your member IDcard. The number may be located on the front orback of the card.Know Before You Go! Emergency Room vs. Urgent Care vs. Telemedicine: What’s the Difference?Click here to learn about the differences.Health Care PlansReturn to Table of Contents

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2023-2024 Employee Benefits Guide 8Anthem Medical Plan HighlightsYour medical plans will be offered through Anthem for the 2023-2024 plan year. The following overview is only a brief, non-legal outline of the benefits offered. Please review your plan summaries or SBCs for full plan details.Plan Feature Plan Administrator: Anthem BCBSPlan Name HealthKeepers POS 1000 KeyCare 30 2000HealthKeepers HSA 2000Network Coverage In-NetworkDeductible per Plan YearIndividual $1,000 $2,000 $2,000Family $2,000 $4,000 $4,000Out-of-Pocket Maximums Out-of-Pocket Maximum includes deductible, coinsurance and copaysIndividual $5,000 $5,500 $4,250Family $10,000 $11,000 $8,500Preventive CarePreventive Care No charge No charge No chargeOffice VisitsPrimary Care Physician $30 copay $30 copay 20% copay after ded.Specialist $50 copay $50 copay 20% copay after ded.Virtual VisitDetermined by services renderedDetermined by services renderedDetermined by services renderedMedical CareInpatient Care You pay 30% after ded. You pay 20% after ded. You pay 20% after ded.Outpatient Surgery You pay 30% after ded. You pay 20% after ded. You pay 20% after ded..Emergency Room You pay 30% after ded. You pay 20% after ded. You pay 20% after ded.Urgent Care Facility $50 copay $50 copay. You pay 20% after ded.Return to Table of ContentsEmployee Monthly ContributionHealthKeepers POS 1000 KeyCare 30 2000HealthKeepers HSA 2000Employee Only$59.25 $183.97 $0.00Employee + Spouse$535.87 $815.25 $454.53Employee + 1 Child$151.68 $322.05 $128.46Employee + Children$434.23 $687.79 $363.22Employee + Family$896.20 $1,280.98 $763.40

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2023-2024 Employee Benefits Guide 9Retail Prescription ProgramThe pharmacy program offers a broad network of pharmacies. Showyour medical ID card at a participating retail pharmacy to receive up toa 30-day supply of your medication. To find a network pharmacy nearyou, log on to www.anthem.comMail Order ProgramMail order helps you save time and money on your maintenancemedications. When you use the mail order service, you can receive a90-day supply for the cost of 1x retail copays. It’s convenient, too—your prescriptions are delivered right to your door.GoodRxThe mobile app helps members save money onprescription expenses by allowing them to compare prices at nearbypharmacies to find discounts and print coupons for their prescribedmedication.Prescription DrugsIf you enroll in one of the Colonial Beach Public School's medical plans, this will include prescription drugcoverage through Anthem Pharmacy. When you need prescriptions, you can purchase them through local in-network retail pharmacy, or for medications you can take on an ongoing basis, through the mail orderprogram.HealthKeepers POS 1000KeyCare 30 2000HealthKeepers HSA 2000Retails (up to 31-day supply)Generic$10 copay $10 copay$10 copay after deductiblePreferred Brand Name$40 copay $40 copay$40 copay after deductibleNon-Preferred Brand Name$70 copay $70 copay$70 copay after deductibleSpecialty20% coinsurance up to $300 per prescription 20% coinsurance up to $300 per prescription 20% coinsurance up to $300 per prescription after deductibleMail Order (up to 90-day supply)2.5x copay 2.5x copay2.5x copay after deductibleReturn to Table of Contents

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2023-2024 Employee Benefits Guide 10Say Hi to SydneyWith Sydney, you can find everything you need to know about your Anthem benefits -- personalized and all in one place. Sydney makes it easier to get things done, so you can spend more time focused on your health.With just one click, you can:▪ Find care and check costs▪ Check all benefits▪ See claims▪ Get answers even faster with Sydney’s chatbot▪ View and use digital ID cardsTo get started, download the Sydney app today.Additional Programs▪ 24/7 NurseLine serves as a first line of defense for unexpected heath issues and is available to provide guidance and connect you to resources.▪ ConditionCare connects members to a team of experts to help them manage chronic conditions such as diabetes, high blood pressure, and asthma and enhance their quality of life.▪ Future Moms provides coaching and education from registered nurses for all expecting moms at every stage of pregnancy, as well as support after the baby arrives.▪ My Health Advantage supports members after a hospitalization or serious illness, with telephone nursing support and more.Additional Anthem BenefitsAnthem is excited to offer additional tools to help enrollment employees and their families make the most outof their medical benefits.Return to Table of Contents

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2023-2024 Employee Benefits Guide 11Eye ExamLenses**FramesOut-of-NetworkDental PlanColonial Beach Public School’s dental plan is offered through Anthem Dental Essential Choice. The planprovides you and your family with coverage for typical dental expenses, such as cleanings, X-rays, and fillings.The following overview is only a brief, non-legal outline of the benefits offered. Please review your plansummaries or plan certificate for full plan details and out-of-network coverage information. You’ll save moneywhen you visit a dentist in your plan network because Anthem and the dentist have agreed on pricing forcovered services. Go to to find an in-network dentist.Out-of-Network benefits mirror the in-network benefits; however, you will have higher out-of-pocket expenses if you see an out-of-network provider. When going out-of-network, the reimbursement level is based on usual & customary charges. You may be balance-billed if your provider charges more than the usual & customary. Please see your plan documents for Out-of-Network benefits.Return to Table of ContentsMonthly Dental ContributionsEmployee Only$39.79Employee + Spouse$84.20Employee + Child(ren)$87.01Employee + Family$140.92Plan BenefitsAnthem Dental Essentials Choice (In-Network)Deductible – per covered member $50Plan Year Maximum – per covered member $1,500Preventive Services – cleanings, oral exams, x-rays and fluoride100%Basic Services – fillings, root canals, periodontics, and simple extractions80% after the deductibleMajor Services – crowns, bridges and dentures50% after the deductibleOrthodontics (Dependent Children Only to Age 18) – Lifetime Maximum50% to $1,500 lifetime maximum

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2023-2024 Employee Benefits Guide 12Colonial Beach Public School’s vision plan is offered through Superior Vision. The plan offers preventivecare through regular eye exams and provide coverage for corrective materials, such as glasses and contactlenses. The following overview is only a brief, non-legal outline of the benefits offered. Please review yourplan summaries or plan certificate for full plan details.As a participant, you receive the highest level of benefit when you use an In-Network provider. If you choose tovisit an Out-of-Network provider, you will still receive coverage, but at a lower level. To find an in-networkprovider, go to Plan Plan Benefits Superior Vision PlanIn-Network Out-of-NetworkEye Exam(every calendar year)Covered in full Up to $34 allowanceFrames $130 retail allowance Up to $61 allowanceLenses Every Calendar YearSingle Covered in full Up to $29 allowanceBifocal Covered in full Up to $42 allowanceTrifocal Covered in full Up to $53 allowanceContact Lenses Every Calendar YearContact Lens Fitting(Standard / Specialty)Covered in full / $50 allowance Not coveredContact Lenses $130 retail allowance Up to $100 allowanceReturn to Table of ContentsMonthly Vision ContributionsEmployee Only$7.48Employee + Spouse$12.60Employee + Child(ren)$12.86Employee + Family$20.73

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2023-2024 Employee Benefits Guide 13In-NetworkEye ExamLenses**FramesContact LensesOut-of-NetworkEvery 12 monthsEvery 12 monthsHealth Savings AccountIf you enroll in the High Deductible Health Plan (HDHP), you will have access to a Health Savings Account (HSA) through Aflac/HealthEquity. Funds in the account can be used to pay for current or future qualified healthcare expenses and help you meet your annual deductible. The HSA is owned by you, even if you leave the school system and allows you to have more control over your healthcare dollars. Unused funds and interest roll over without limit from year to year.Health Savings Accounts go into your account tax-free, grow tax-free and you’re able to withdrawal funds tax free for eligible expenses. Call or chat with our Member Services Team 24/7:Call: 866-735-8195Visit: you eligible for an HSA?You are eligible to open and fund an HSA if:• You are enrolled in the HSA medical plan as your sole health plan coverage• You are not eligible to be claimed as a dependent on someone else’s tax return• You are not enrolled in Medicare, TRICARE or a full purpose Health FSA• You have not received Veterans Administration (VA) Benefits within the past 3 months (excludes VA benefits received for a combat- related condition/disability)Using your HSA as a powerful retirement toolThe funds in an HSA can be used for general non-medical purposes, without penalty, once you reach age 65. While HSAs are not intended to be used for retirement — they're designed for you to use funds to pay for qualifying healthcare expenses — they are a tax-friendly investment vehicle and can act as a powerful retirement-savings tool if you let your balance compound over years.Return to Table of ContentsAflac / HealthEquity2023 IRS MAXIMUM ANNUAL CONTRIBUTIONEnrolled as Employee Only$3,850Enrolled with Dependent(s)$7,750

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2023-2024 Employee Benefits Guide 14In-NetworkEye ExamLenses**FramesContact LensesOut-of-NetworkEvery 12 monthsEvery 12 monthsFlexible Spending Account (FSA)Flexible Spending Accounts You can pay for eligible health care and dependent care expenses with tax-free dollars using a Flexible Spending Account (FSA). The FSAs are administered by Aflac/HealthEquity. Click here to learn more about Flexible Spending Accounts.How the FSAs work You are offered two types of FSAs:▪ Healthcare FSA can be used to pay for most out-of-pocket medical, vision, and dental care expenses for yourself and your eligible dependents. ▪ Dependent Care FSA can be used to pay for eligible expenses for the care of a dependent child up to age 13 or a dependent adult. If you elect to contribute to the Healthcare FSA and/or the Dependent Care FSA, you choose an annual amount to be taken from each of your paychecks and deposited into your account throughout the year. Your contributions are taken out of your paycheck before you pay taxes. Then, when you have eligible health care or dependent care expense, you can use the account to reimburse yourself, up to the amount you have elected to contribute to your account for the year. Your contributions are subject to annual IRS contribution election to ensure that your total contributions to the FSA do not exceed the calendar year annual limit imposed by the IRS. Annual Contribution Amount For 2023, you can contribute up to $3,050 to the Health Care FSA. You can contribute up to $5,000 to the Dependent Care FSA. As a reminder, your benefit elections are made on a plan year basis and cannot be changed mid-year without a qualifying life event. Health Care FSAYou can use the Health Care FSA to pay for eligible out-of-pocket expenses that are not covered by another health plan. Examples include, but are not limited to:▪ Medical or dental deductibles ▪ Office visit copays ▪ Coinsurance amounts ▪ Amounts you pay for prescription drugs▪ Amounts you pay for certain over-the-counter items ▪ Orthodontia expenses not covered by the dental plan ▪ Eyeglasses, contacts, and other vision-related expenses not covered by the vision planClick here for a complete list of eligible Flexible Spending Account expenses.Dependent Care FSA The Dependent Care FSA helps you afford day care for your children under age 13 or for a disabled dependent. There are some special rules for participating in this account:▪ The day care expenses must be necessary so you can work.▪ You can only be reimbursed for expenses incurred during the plan year.Eligible expenses must be for the purpose of allowing you to work or look for work. Services may be provided at a child or adult care center, nursery, preschool, after-school, summer day camp, or a nanny in your home.Return to Table of Contents

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2023-2024 Employee Benefits Guide 15In-NetworkEye ExamLenses**FramesContact LensesOut-of-NetworkEvery 12 monthsEvery 12 monthsShort Term Disability InsuranceProtect your paycheck with disability insurance through Aflac. Disability coverage ensures your paycheck,replacing a portion of your income if you’re unable to work due to a covered illness or injury.Disability BenefitsReturn to Table of ContentsShort-Term Disability (STD)Coverage AmountMinimum and Maximum Total Monthly Benefit –$300 to $6,000. 60% of salary. Benefits Payable12 weeksBenefits Begin1stday for disabilities caused by an accident; 8thday for disabilities caused by an illness

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2023-2024 Employee Benefits Guide 16In-NetworkEye ExamLenses**FramesContact LensesOut-of-NetworkEvery 12 monthsEvery 12 monthsLife BenefitsReturn to Table of ContentsLife insurance pays a benefit if you pass away while you’re covered. Make sure to designate a beneficiary for your life insurance coverage to ensure your family is cared for according to your wishes. Please click the link below or scan the QR code below to learn more information.Voluntary Term LifeYou have the option to purchase and enroll in a Term Life Insurance Plan through Aflac. If you’re age 50 or under, you may apply for up to $500,000 in coverage. If you’re between the ages of 51 and 68, you may be eligible for up to $200,000 in life insurance protection. Aflac offers the option of guaranteed-issue with a face amount of up to $50,000. Voluntary Whole LifeYou have the option to purchase and enroll in a Whole Life Insurance Plan through Aflac. If you’re age 50 or under, you may apply for up to $500,000 in coverage. If you’re between the ages of 51 and 71, you may be eligible for up to $200,000 in life insurance protection. Aflac offers the option of guaranteed-issue with a face amount of up to $50,000. Voluntary Term Life – Click Here Voluntary Whole Life – Click Here

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2023-2024 Employee Benefits Guide 17In-NetworkEye ExamOut-of-NetworkEvery 12 monthsCritical Illness InsuranceAflac’s Group Critical Illness plan options pays a lump sum of cash benefits directly to you when you need them most. This coverage can help ease the financial stress of surviving a critical illness. The plan can help with treatment costs of covered critical illnesses, such as a heart attack or stroke. Also, the plan helps you focus on recuperation instead of the distraction of out-of-pocket costs and gives you the flexibility to help pay bills related to treatment or to help with everyday living expenses. Scan the QR code or click the link below to learn more. Hospital Indemnity InsuranceEven a small trip to the hospital can have a major impact on your finances. This is where the Hospital Indemnity plan can help with expenses and protect your savings. It provides financial assistance to enhance your current coverage. You can use the funds to pay for expenses such as transportation, meals for family members, help with childcare, time away from work, etc. Scan the QR code below to learn more. Accident InsuranceAflac’s Accident plan helps provide support when life’s most unexpected moments arrive. This helps provide peace of mind when new and unexpected injury costs occurs. Aflac’s accidental injury insurance helps cover a wide span of events, from emergency situations to more common accidents. Scan the QR code below to learn more. Voluntary BenefitsCritical Illness Base Plan – Click Here Critical Illness + Disease – Click HereReturn to Table of ContentsAccident Plan – Click Here Accident Plan w. Gun Shot Coverage –Click HereHospital Indemnity Mid Plan –Click HereHospital Indemnity High Plan –Click HereScan the QR Code below to learn more about the Aflac Voluntary Benefits.

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2023-2024 Employee Benefits Guide 18In-NetworkEye ExamLenses**FramesContact LensesOut-of-NetworkEvery 12 monthsEvery 12 monthsEmployee Assistance Program (EAP)Life presents complex challenges. If the unexpected happens, you should have simple solutions to help copewith the stress and life changes that may result. Colonial Beach Public Schools offers employees and theirdependent(s) a free Employee Assistance Program (EAP) benefit through Anthem BCBS. The EAP isavailable at no cost to all benefits-eligible employees and their families.This completely confidential counseling and referral service can help you develop the life management skillsneeded to enjoy life more fully. Assistance is available for the following issues:▪ Dependent Care▪ Distance Counseling via phone or video▪ Financial and Legal Services▪ Education▪ Life Coaching▪ Substance Abuse For 24/7 support:▪ Phone Access: 1.800.865.1044▪ Visit: and enter your company code: Colonial Beach SchoolsClick here to learn more about Understanding and Managing Your Mental Health.Work/Life BenefitsReturn to Table of Contents

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2023-2024 Employee Benefits Guide 19Important ContactsCoverage AdministratorPhone / Web AddressMedical Anthem1-833-593-9956www.anthem.comPharmacy Benefits Manager Anthem1-833-262-1729www.anthem.comDental Vision Superior Vision1-800-507-3800www.superiorvision.comTelemedicine LiveHealth Flexible Spending Accounts Health Saving Account Health Disability Benefits Life Benefits Voluntary Critical Illness, Accident and Hospital Indemnity Employee Assistance Program (EAP)Anthem24/7 Support – 1.800-865-1044www.anthemEAP.comAdvanced Resolutions Team (ART)OneDigital1-866-802-6311art@onedigital.comReturn to Table of Contents

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Click Here to Download Required Notices.This guide highlights the main features of many of the benefit plans sponsored by Colonial Beach PublicSchools. Full details of these plans are contained in the legal documents governing the plans. If there is anydiscrepancy between the plan documents and the information described here, the plan documents willgovern. In all cases, the plan documents are the exclusive source for determining rights and benefits underthe plans. Participation in the plans does not constitute an employment contract. Colonial Beach PublicSchool's Health & Benefits reserves the right to modify, amend or terminate any benefit plan or practicedescribed in this guide. Nothing in this guide guarantees that any new plan provisions will continue in effectfor any period. This Guide serves as a summary of material modifications as required by the EmployeeRetirement Income Security Act of 1974 (ERISA), as amended.