This digital benefits guide describes the highlights of the Clario benefits program in non-technical language. Your specific rights to benefits under the plan are governed solely, and in every respect, by the official plan documents and not the information in this digital benefits guide. If there is any discrepancy between the descriptions of the program's elements as contained in this digital benefits guide and the official plan documents, the language in the official plan documents shall prevail as accurate. Please refer to the plan-specific documents published by each of the respective carriers for detailed plan information. You should be aware that any and all elements of the Clario benefits program may be modified in the future, at any time, to meet Internal Revenue Service rules, or otherwise as decided by Clario.