THIS BENEFIT SUMMARY PREPARED BY :
PLEASE NOTE : This document is an outline of the coverage proposed by the carrier ( s ), based on information provided by your company . It does not include all the terms , coverages , exclusions , limitations , and conditions of the actual contract language . The policies themselves must be read for those details . The intent of this document is to provide you with general information about your employee benefit plans . It does not necessarily address all the specific issues which may be applicable to you . It should not be construed as , nor is it intended to provide , legal advice . Questions regarding specific issues should be directed to your Human Resources / Benefits Department .