A Final Note

This summary is written in everyday language, provides a general summary of the plan in effect on January 1, 2006 and serves as your summary plan description. We have tried to make it as complete and accurate as possible. If there are any discrepancies between this summary and the formal plan documents, such as the certificate of insurance, those documents will determine how the plan works and the benefits that are paid. The University has the authority to interpret the terms of the plan and to address questions arising under the plan and may delegate some or all of this authority to other entities, such as insurance companies or claims payors. The insurance carrier makes determinations of benefits under its certificate of insurance.

The University intends to continue this plan indefinitely, but reserves the right to amend or terminate it at any time for any reason. Please keep in mind that health plan benefits do not vest. Participating in this plan does not guarantee employment.

Benefits under this plan will be paid only if the plan administrator decides in its discretion that the applicant is entitled to them.

Please keep in mind, while the plan only covers specific services and treatment, you and your Dependents always have the choice of what services you receive and who provides your health care (but you may have to pay for it). Neither the plan nor the University ensures the quality of care you receive and only the claims administrators are involved in the selection of network providers.

While this Summary Plan Description summarizes the major provisions of this plan, it does not provide you with every plan detail. The plan documents, which govern this plan, provide full details. If there are any discrepancies between this Summary Plan Description and the legal plan documents, the legal plan documents control.