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Published by , 2016-10-24 15:20:33

A. Corporate Alliantflip

A. Corporate Alliantflip

2017 Open Enrollment

Benefits Guide

Table of Contents

Medical Plan.......................................1 Open Enrollment: October 24 –
Solvaira HRA Plan..........................2 November 30
Solvaira HSA Plan..........................3
The Good Life Wellness program.5 You must make a benefit election if you want to continue
coverage for 2017. If you are currently enrolled in benefits
Employee Assistance Program..........6 and do not actively enroll for 2017, your health coverage
will terminate as of December 31, 2016.
Dental Plan.........................................7
FSAs require active enrollment each year, so you must
Flexible Spending Account................8 enroll and choose your contribution amounts if you would
like to participate in an FSA for the plan year.
Life and Disability...............................9
Enroll by completing the paper enrollment forms included
Retirement........................................10 with this guide and returning them to your corporate
Human Resources representative. All paperwork must be
Important Contacts..........................12 returned by December 2.

If you are adding dependents who were previously not
enrolled, you may be required to provide your marriage
license and/or birth certificates. Federal law requires that
you supply a Social Security number for all dependents.

Once you enroll, verify the accuracy of your elections on
your confirmation statement as well as your first paycheck
of 2017.

What’s New for 2017?

Medical Plan

As many of you may be aware, health care costs continue to rise at a record pace in our country. On average, companies are
experiencing increases to their health costs of approximately 7 percent. Fortunately, the Solvaira work force has made a positive effort
to help control health care expenses. By participating in The Good Life wellness program this year and making smart choices to spend
wisely on necessary health care, overall plan costs in 2016 have been moderate compared to prior years. As a result, in 2017, Solvaira
is proud to announce there will be no rate increases for medical or dental coverage.

The plans will continue to be offered through the Blue Cross Blue Shield network of doctors and hospitals and claims will continue to
be paid by Blue Cross Blue Shield of Western New York. There will be no change to the plan designs for 2017.

As we did in 2016, we want to recognize the important role that the individual accounts play with each plan. Solvaira will continue
to offer one plan that includes a Health Reimbursement Account (HRA) that will pay up to $1,000 for a single person or $2,000 for
a family toward your deductible. You may again earn an additional $1,000/$2,000 by completing wellness activities in The Good
LifeSM program by July 31. You may not add additional money to this account and, at the end of the year, unused amounts belong to
Solvaira.

The other plan will offer a Health Savings Account (HSA). The HSA offers you a tremendous opportunity to save for future health care
expenses and Solvaira will make a contribution on January 1, 2017 to your HSA of $250 for single person and $500 for a family. You
may earn an additional $250/$500 by completing wellness activities in The Good Life program by July 31. You are also allowed to
put your own pre-tax money into the HSA. All of the money in the HSA belongs to you. At the end of the year, your account balance
remains and is available for you to use next year.

Please continue reading for more information about this important plan choice, the accounts available to you and how to complete
The Good Life wellness activities.

2i

Medical Plan

When you visit the doctor or pharmacy, you’ll be billed the full discounted cost for services up to the annual deductible. You may
choose between the Solvaira HRA Plan with a Health Reimbursement Account (HRA) that belongs to the company and can cover your
deductible or the Solvaira HSA Plan with a Health Savings Account (HSA) that will be partially funded by the company, but belongs to
you.

2017 Medical Plan Comparison Chart

Solvaira HRA Plan Solvaira HSA Plan

Solvaira Account Contribution $1,000 single / $2,000 family $250 single / $500 family
On January 1 $1,000 single / $2,000 family $250 single / $500 family
On September 1 if you complete The
Good Life Wellness Program

In-Network Out-of-Network In-Network Out-of-Network

Deductible $2,000 $2,000 $2,000 $2,000
- Individual $4,000 $4,000 $4,000 $4,000
- Family
$10,000
Annual Out-of-Pocket Max $5,000 $10,000 $5,000 $20,000
- Individual $10,000 $20,000 $10,000
- Family 30%
10% 30%
Coinsurance after Deductible 10% 30% 0% before deductible
30%
Preventive Care 0% before deductible 30% 10%
30%
Office Visit Coinsurance 10% 30% 30%
(Primary Care and Specialist) 30%
30%
Emergency Room (only covered for 10% 10% 30%
true emergencies) 30%
30%
Urgent Care 10% 30% 10% 30%
10% 30%
X-Ray and Lab 10% 30% 10%
10% 30%
Mental Health and Substance Abuse 10% 30% 10%
10%
Hospital/Facility Services 10% 30% 10%
10%
Convenience Care 10% 30% 10%

Acupuncture 10% 30% 10%

Chiropractic 10% 30%

Durable Medical Equipment 10% 30%

Home Health and Hospice 10% 30%

Therapy 10% 30%
(Speech, Physical, Occupational)

Pharmacy

Retail (30 day supply) $10 copay after deductible $10 copay after deductible
• Generic $30 copay after deductible $30 copay after deductible
• Brand - Formulary $50 copay after deductible $50 copay after deductible
• Brand - Non-Formulary
$25 copay after deductible
Mail Order (90 day supply) $25 copay after deductible $75 copay after deductible
• Generic $75 copay after deductible $125 copay after deductible
• Brand - Formulary $125 copay after deductible
• Brand - Non-Formulary

All costs in this chart refer to the amount you pay after paying upfront for the deductible.

Take Advantage of Free Preventive Care!

All Solvaira Specialties medical plans provide preventive care covered 100% with no deductible to you and your eligible dependents.
For more details and a complete list, check www.bcbswny.com. Covered services may include:

• Annual well child exam

• Annual well adult physical

• S ervices determined based on age and gender, including mammography beginning at age 40 and colonoscopy beginning at age 50

1

Solvaira HRA Plan

In 2017, Solvaira will again offer you a choice of health plans. The Solvaira HRA Plan will operate in the same manner as the plan in
which you are currently enrolled.

In coordination with the Health plan in 2017, Solvaira Specialties will offer an HRA for each employee that enrolls in the Solvaira
HRA plan. The HRA is funded by Solvaira to help you cover the expense of the high deductible medical plan. An HRA account is
established and managed by the company on behalf of the employees enrolled in the medical plan. Each employee enrolling in the
Solvaira HRA plan will be able to request reimbursement from the account up to the amount that’s available in the account at that
time.

Solvaira will fund the HRA with $1,000 Single/ $2,000 Family for employees on January 1. These funds are available for you to use
throughout 2017. You are eligible to earn an additional $1,000/$2,000 contribution into the HRA by completing wellness activities as
a participant in The Good Life program. If you complete the wellness activities before July 31, you will have access to the additional
funding as of September 1.

Amounts in your HRA are to be used to help you cover the cost of medical expenses that you receive as you are working to reach
your annual medical deductible. In order to use your HRA account balance, your medical claims should be filed first with BlueCross
BlueShield of Western New York (“BCBS”). After your claim has been filed with BCBS, you may then file the claim with HealthNow
Administrative Services (“HNAS”) to have the claim amount reimbursed to you (up to the HRA contribution amount).

Getting Your Medical Charges Health Reimbursement Plan Rules
Reimbursed with HealthNow is Easy!
• Amounts contributed to the Health Reimbursement Account by
• You can use your debit card to pay for eligible expenses as Solvaira Specialties are restricted funds that may be used for
incurred. If you do not have your debit card at the time of service, the reimbursement of health care expenses under the Solvaira
you will have to pay out‑of‑pocket and submit a claim. Specialties HRA Plan.

• If you pay out of pocket for your medical expense, you can • C ontribution amounts are determined by Solvaira Specialties.
submit claims:
• A mounts remaining at the end of the year do not roll over from
– By fax – fax copies of your receipts to 855-226-0680. one year to the next plan year.

– By email – email copies of your receipts to • In the event of termination of employment, account balances
[email protected]. are not portable or transferable.

– You may also get information about your account balance at
www.mywealthcareonline.com/myhnas.

2i

Solvaira HSA Plan

Alternately, you may choose the Solvaira HSA Plan. This plan Limitations
choice provides you with a lower cost option that allows you to put
money aside for future health care expenses. This medical plan Just like a traditional bank account, the funds must be available
has the same deductible and co-insurance as the HRA choice, but in your HSA at the time you use your debit card or write a check.
you will own all of the money in the HSA. You can check your account balance anytime by phone or online.
For a list of HSA qualified expenses, visit
For each employee enrolled in the HSA plan, Solvaira will make a www.HealthEquity.com/qme. Remember to keep your receipts
contribution of $250 Single/$500 Family into your HSA account on for HSA funds with copies of your tax returns. While neither
January 1. You are eligible to earn an additional contribution of $250 HealthEquity nor Solvaira will ask to see receipts, you may need
Single/$500 Family by completing wellness activities in The Good them in case of an IRS audit.
Life prior to July 31. If you have completed the wellness activities,
the additional contribution will be deposited September 1. Managing Your Account

When you enroll in the Solvaira HSA Plan, you have access to HealthEquity administers the HSA program for Solvaira
set up a Health Savings Account (HSA) through our partner, Specialties. You can access your HSA balance by logging on
HealthEquity. You may also elect to make your own pre-tax to www.myHealthEquity.com. If you want more detailed HSA
contribution to this account by: account information such as transaction records, you will have
to complete a one-time registration. After that registration is
• Automatic payroll deductions complete, you can:

• D eposits from another bank account such as saving or • Manage account balances.
checking accounts, one time or on a recurring basis
• Review recent transactions.
• Mailing a check with a contribution/deposit form
• View and download monthly statements.
In 2017, the federal limits to your annual HSA contributions,
including the contribution you receive from Solvaira are: • Manage online profile.

• $3,400 for Employee Only. • View service and product information.
• Transfer funds from your cash account to an investment
• $6,750 for all other tiers.
account.
• $1,000 additional catch up contribution for employees age 55
or older. You may call HealthEquity at 866-346-5800 or download the
HealthEquity mobile app from the iTunes App Store or Google
Solvaira’s contributions and any contributions you make are Play at any time for your account balance. HealthEquity will mail
yours to use, regardless of changes to your employment or you monthly account balance statements upon request.
medical plan enrollment. Any money remaining in your HSA at the
end of the year will roll over for use in future years, allowing you Ineligible to contribute to an HSA
to accumulate savings and accrue tax free interest.
Federal regulations note that certain individuals are not
The HSA is easy to use. After you receive health services or eligible to contribute to an HSA including:
purchase a prescription at the pharmacy, you may use your debit • Individuals who are covered under a non-HSA-
card at the time of your service or set up an online payment to
the provider. You should save all receipts from your qualified qualified plan, such as a spouse’s non-high deductible
medical expenses. health plan or Tricare if eligible due to military service.
• Individuals who are enrolled in Medicare.
• Individuals who are claimed as dependents on
someone else’s tax return.
• An individual or spouse is enrolled in a traditional
Flexible Spending Account, even if no claim is
submitted.

If you are ineligible to participate, you may still use
preexisting HSA funds, but you may not contribute or
receive Solvaira’s contribution.

For more information: www.myHealthEquity.com.

3

Understanding Your HSA

The graphic below illustrates how your HSA works.

YOUR HSA

Out-of-Pocket Solvaira’s pre-tax contribution + Unused money
Maximum + rolls over

Once your eligible expenses Your pre-tax contributions No Cost
reach the out-of-pocket In-Network
maximum, the plan pays Preventive Care
100% of eligible expenses
for the year. The plan pays 100%
of covered charges (no
Or deductible), so you
don’t pay anything for
You can use your HSA to help pay your these services.
deductible, coinsurance and other
qualifying expenses

Deductible Coinsurance Other Qualifying You can save your HSA
Expenses dollars for the future

You and Solvaira After you satisfy Use your HSA Balance Rolls After Age 65
(via HSA the in-network dollars to pay Over Each Year
contributions) deductible, the plan for qualified Use the account tax-free and
pay 100% of pays a percentage expenses, including penalty-free on health care expenses
eligible expenses and you pay prescriptions and at any time. Once you reach age
until you satisfy the remaining expenses not 65, use the account penalty-free for
the deductible. percentage for covered by medical other expenses, including Medicare
in‑network care. insurance, like premiums (you’ll pay taxes for non-
infertility treatments health care uses).
or bariatric surgery.

The HSA balance
rolls over each year,
accruing interest
tax-free... like an
IRA for your health
expenses.

4i

The Good Life Wellness Program

While the plans and plan costs are not changing, it is as important as ever that you participate in The Good Life wellness program and
complete all of the necessary steps to ensure that you receive the maximum amount in your HRA or HSA account. Please be sure
that you complete the first two steps of The Good Life before April 1. You must complete these first two steps in order to move to the
follow-up stages that will ensure you receive the full contribution. If you have any questions about completing the steps of The Good
Life program, please contact your HR representative or call Blue Cross Blue Shield directly for help.

Completing The Good Life Account Contributions
program requires three
simple steps. After you meet the requirements of The Good Life program
above, Solvaira will make an additional contribution into your
Step 1: Complete a Health Screening account on September 1 in the chart below.

Find out your height, weight, blood pressure, blood sugar, and Single Solvaira HRA Solvaira HSA
cholesterol levels by completing a health screening with your Plan Plan
physician. Employee + Spouse
Employee + Child(ren) $1,000 $250
Step 2: Take the Health Assessment Family
$2,000 $500
After you have your critical health numbers, log on to our secure
website at bcbswny.com and complete the health assessment in Remember that funds contributed to your HSA account belong
order to maintain benefit levels for the remainder of the year. to you.

Step 3: Health Coaching Program Registration

Depending on your health screening and assessment results, you You must register for The Good Life by going to bcbswny.com
may be required to complete Step 3, which includes participating and taking your health assessment.
in lifestyle or health management programs for four months to
help you learn healthier lifestyle choices. Program Deadlines

Lifestyle management programs provide health coaching over You must complete Steps 1 & 2 of The Good Life on or before
the telephone to assist with reducing lifestyle-related risks, such March 31, 2017. If you are required to complete Step 3, you will
as obesity, smoking, high cholesterol, and hypertension. On be contacted via phone by BCBS of Western NY and you will
average, you may receive 2-3 phone calls during the four-month have to complete their four (4) month health coaching program on
process. or before July 31, 2017.

5

Employee Assistance Program

The EAP is a 24/7 confidential service through MHN that is available to help employees and their family members manage
difficult times.
You do not have to enroll in a Solvaira medical plan to use the EAP, and this plan is available to all family members of active employees
working 30 hours a week or more
Services include support and referrals for:
• Family and relationship issues.
• Personal or work-related stress.
• Depression.
• Grief and loss.
• Alcohol or drug abuse.
• Quitting smoking.
• Losing weight.
• Financial and legal issues.
• Child care/elder care.

6i

Dental

Our dental benefits will continue to be provided through United Concordia, with over 92,000 dentists in over 230,000 locations. Your
preventive care will continue to not count against your annual dental maximum, meaning you have extra reason to make sure you’re
getting the preventive dental care you and your family members need. Solvaira pays 85% of the cost for dental coverage.

When you enroll for the first time, you will receive an ID card within 7-10 business days of effective date. If you were enrolled in 2016,
keep your current ID card, as you will not have to replace it.

UCCI Dental Benefits: Preferred Plan

In-Network Out-of-Network*
$50/$150
Annual Deductible - Individual/Family $50/$150 $1,500
Calendar Year Maximum $1,500 100%
Preventive Services - do not count toward the in-network deductible or 80%
calendar year maximum. 100%, no deductible 50%
Basic Services 90% 50%
60% $1,000
Major Services 50%
$1,000
Orthodontics

Orthodontia Lifetime Maximum

*U nited Concordia creates out-of-network charges utilizing FAIR Health data supplemented with our charge data as appropriate, then calculates out-of-network charges
at the 90th Percentile of such data. Non-network dentists may bill the member for any difference between our allowance and their fee.

Note: the deductible does not apply to in-network or out-of-network preventive care.

United Concordia offers two mobile apps for
your dental benefits and oral health, both free on
Google Play or the Apple App Store.

The United Concordia Dental app:
• F ind a dentist near you
• A ccess your benefits information in your My

Dental Benefits account
• Get a virtual ID card

Chomper Chums, the app for kids, offers
educational opportunities and a two minute
brushing timer to motivate your kids toward
proper brushing habits.

7

Flexible Spending Account (FSA)

A Flexible Spending Account (FSA) allows you to put aside a portion of your paycheck tax-free for use on eligible expenses. There are
two types of FSAs, a Health Care FSA, for eligible medical, dental, and vision expenses, and a Dependent Care FSA, for costs that
you incur to take care of your children or adult dependents while you’re at work.

Since an FSA is a tax-advantaged account, where you lower your taxable income by making pre-tax contributions, the IRS does have
some regulations:
• You cannot change your annual election amount during the plan year, unless you experience a life status change.
• A lways save your receipts, just like any other tax-related expenses, since you may be asked to verify claims in the future.

Health Care FSA Dependent Care FSA

Use pre-tax contributions on eligible health care expenses not Use your pre-tax contributions to be reimbursed for expenses
covered by your plan, including: that you incur in the care for your dependents while you (and your
spouse, if applicable) are working. A dependent is any child under
• Deductibles , copays, and coinsurance. age 13 who qualifies as a tax dependent, or a tax dependent over
the age of 13 (including a spouse or parent) who is physically or
• Prescription drugs. mentally unable to care for themselves.

• LASIK surgery. Eligible expenses include:

• Dental work and orthodontia. • Day care.

• Eyeglasses and contact lenses. • In-home care.

In 2017, contribute up to $2,550 to your Health Care FSA. If you • Babysitters while you’re at work.
have any remaining balance in your Health Care FSA at the end
of the year, you may roll over up to $500 to be used for health • After school care for children under age 13.
care expenses in 2018.
• Summer day camp for children under age 13.
You can use the funds for eligible expenses incurred by any
dependent you claim on your income tax return. While your • Elder care.
Health Care FSA contribution will be deducted from your
paycheck throughout the year, the entire election amount will be • Preschool.
available for your use on January 1, 2017.
In 2017, contribute up to $5,000 to your Dependent Care FSA.
The Dependent Care FSA is a “use it or lose it” account. Per IRS
regulations, any balance remaining in your account at the end of
the year is forfeited. Be sure to budget carefully when you enroll
during Open Enrollment

Example of Tax-Free Savings with an FSA

Enrolled in the FSA, Did not enroll,
reduced taxable income by estimated health care costs of $1,000. taxed on total income

Employee W-2 Income $35,000 Employee W-2 Income $35,000

Pre-tax Health Care FSA election of $38.46 per pay period ($1,000) Pre-tax Health Care FSA election $0
(26 pay periods/year)
$34,000 Adjusted W-2 Income $35,000
Adjusted W-2 Income ($6,453) Federal Tax on $35,000 ($6,766)
($2,601) Social Security and Medicare Tax withholding on $35,000 ($2,678)
Federal Tax on $34,000 Post-tax health care and dependent care expenses $1,000
$0 Take-home pay after expenses and taxes $24,556
Social Security and Medicare Tax withholding on $34,000 $24,946
Increase in take-home pay after contributions and $0
Post-tax health care and dependent care expenses $390 withholdings

Take-home pay after contributions and taxes

Increase in take-home pay after contributions and
withholdings

8i

Life and Disability

Life Insurance Disability Insurance

Solvaira Specialties provides a flat basic life coverage policy Short Term Disability
through Prudential at no cost to corporate employees. Coverage
is one times base annual earnings up to a maximum of $300,000. Solvaira Specialties provides core short term disability coverage
through Prudential at no cost to all Corporate employees, equal
If you’d like more coverage, you have the option of electing up to to 66% of your weekly earnings up to $1,250 per week. Benefits
the lesser of five times your annual salary or $300,000 in Optional begin after seven days of disability and last up to a maximum of
Life coverage in increments of $10,000. 25 weeks.

If you purchase optional life coverage for yourself, you can also Long Term Disability
purchase coverage for your spouse and dependent children.
Solvaira Specialties provides voluntary long term disability
• Spouse: Purchase up to 50% of your employee total benefit coverage through Prudential at a cost of $0.425 per $100 monthly
($150,000 maximum benefit) in increments of $5,000. covered payroll to all corporate employees, equal to 60% of your
monthly earnings up to $5,000 per month. Benefits begin after
• Dependent Child(ren): Purchase coverage of $10,000. 180 days of disability and last up to normal retirement age.

If you elect additional coverage during Open Enrollment, you may
be required to provide a statement of health.

Supplemental Life and AD&D Rates:
2017 Biweekly Payroll Contributions

Employee/Spouse Age Cost Per $1,000 of Coverage

0-19 $0.070

20-24 $0.070

25-29 $0.070

30-34 $0.080

35-39 $0.110

40-44 $0.180

45-49 $0.300

50-54 $0.460

55-59 $0.680

60-64 $1.120

65-69 $2.020

70-74 $2.870

75-79 $6.190

80-84 $6.190

85+ $6.190

9

Retirement Investment Plan - 401(k)

Start your savings today in the Solvaira Specialties Retirement
Investment Plan (the “Plan”) and you may see a big difference tomorrow.
Contributing to your Plan now with even a small amount is an essential
first step to helping you achieve your financial goals.

Your Plan Summary

You are eligible to enroll in the Plan if you are at least age 21. You will be automatically enrolled at 3% in the Plan after you meet the
eligibility requirements. Log on to www.principal.com or call Participant Contact Services at 1-800-547-7754 from 7:00 a.m. to 9:00
p.m. CT to do the following:
• Select other funds within the Plan.
• Elect a different savings amount.
• Designate your beneficiary(ies).
The Solvaira contribution is paid on a pre-tax basis and may be taxable at withdrawal.

Your Contributions

• Pre-Tax*: You may save up to 100% of your eligible pre-tax compensation up to the federal limits set by the IRS. The 2017 limit is
$18,000 ($24,000 if you are age 50 or older).

• Roth 401(k): Your Plan includes a Roth 401(k) option. If you decide to make Roth 401(k) contributions, they will be deducted after
taxes.

• Catch-Up: If you are age 50 or older, you may make additional contributions to the Plan.
• Changes: You may change your savings rate to the Plan at any time. Just call Participant Services at 1-800-547-7754 or visit www.

principal.com.

1i0

Retirement Investment Plan - 401(k)

Company Matching Contributions For more information or to
apply for a loan, call the
For each dollar that you contribute into your account, Solvaira will Participant Contact Center at
match your contribution up to the limits stated below. Company 1-800-547-7754.
contributions are not included in your annual contribution
maximums.

In 2017, Solvaira will match each dollar that you contribute into
your 401(k) account at 33% up to 9% of your annual pay.

Vesting

The term “vesting” refers to ownership of the money Solvaira
contributes to your retirement account. A year of vesting service
is based on 1,000 or more hours worked. You are always 100%
vested in all of the money you contribute. You are also 100%
vested in the company matching contributions that Solvaira
contributes to your account.

Rollovers

If you had a qualified retirement plan with a previous employer,
there may be advantages to consolidating your retirement
accounts. When you roll over your previous account’s balance,
you can get a complete picture of your assets in one place and
manage them more easily. For more information on completing
a rollover, call a Retirement Specialist at Principal at 1-800-547-
7754.

Loans

You may borrow up to $50,000 or 50% of your vested account
balance, whichever is less. The minimum loan amount is $1,000.

You may have one outstanding loan at a time. The interest rate
on your loan will be the prime rate at the time the loan is taken,
plus 1%. You will be charged a one-time setup fee of $50 for
each loan and a $48 loan maintenance fee per year for each loan.
Loans must be repaid within five years. Loan payments are made
by payroll deduction.

11

Important Contacts

Benefit Provider Phone Web

Medical and Prescription BlueCross BlueShield of 1-800-544-2583 www.bcbswny.com
Western New York 1-800-518-8332
– Health Reimbursement HealthNow 1-866-346-5800 www.mywealthcareonline.
Account (HRA) Plan Group ID BCIH22 com/myhnas
Health Equity
– Health Savings Account www.myHealthEquity.com
(HSA) United Concordia
1-800-332-0366 www.UnitedConcordia.com
Dental

Flexible Spending Accounts HNAS 1-800-518-8332 www.mywealthcareonline.
com/myhnas

Life and Disability Prudential 1-877-232-3619 www.prudential.com

Employee Assistance Program MHN 1-800-327-0556 www.members.mhn.com
Company Code: solvaira

Retirement Investment Plan Principal 1-800-547-7754 www.principal.com

1i2

Notes

13

This enrollment guide only provides highlights of the benefits offered by Solvaira Specialties. There is a plan document and summary
plan description that explains the benefits under the Solvaira Specialties benefits plan (Plan) and these Plan documents control the
operation of the Plan, even if there are discrepancies between this guide and the Plan documents. Solvaira Specialties has the right to
amend or terminate the Plan or any benefits offered under the Plan at any time, with or without prior notice. The Plan and your eligibility
for benefits under the Plan are not an employment contract, nor do they guarantee your right to continued employment at Solvaira.


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