DISCLAIMER: Please note Compliance Link (e-mail based response system) is a communication service provided thru Benefit Concepts, Inc. (BCI) and serves as a brief guide; a summary of regulation and plan benefits and is not intended to be all-inclusive of any or all applicable law or policy terms, conditions, exclusions, or riders. Please refer to each plan’s policy provided by the insurer or the Summary Plan Description (SPD) or the ERISA wrap documents, if any, for a complete description of the benefit provisions. In the event there is a discrepancy or conflict between this guidance, any provided enrollment materials, and the terms of the official plan documents, or insurance contracts and any state or federal law; then such will prevail and govern the outcomes of this guidance. Benefit Concepts provides its Agents and support staff access to a communication service and compliance program through Marathas Barrow & Weatherhead LLP (MBW). The use, release and security of any sensitive or confidential information or guidance transmitted by you – or any user of this service – to any recipient, is your sole responsibility. This guidance provides general information related to the law to help users understand variations of benefit coverage and governing regulation. Benefit Concepts does not provide legal advice and is not a law firm. Responses provided to Agents and support staff is based on the information shared with MBW and does not take into account or consider all circumstances or variations of law. Therefore, BCI and MBW do not guarantee the information in total accuracy and recommends you consult or retain a lawyer if you want legal advice. No attorney-client or confidential relationship exists or will be formed between you and MBW, BCI or its Agents, Staff, or any of our representatives. None of BCI Agents, Staff, or any of our representatives are lawyers and they do not provide legal advice, nor do they verify, validate, guarantee or warranty (expressed or implied) as to the legal ability, competence, quality, or reliability of any guidance provided through herein or provided by a law firm, nor do we endorse any particular attorney or legal service. By receipt of this communication, you are solely responsible for making a final determination or selection of an attorney or other service. You are further responsible for determining whether the information you obtain through your use of this service through MBW is suitable for your purposes. It is recommended company legal disclaimers are enclosed in any and all email communications. Benefit Concepts reserves the right to make improvements and/or changes to its features, functionality, content, or disclaimer at any time. Updated versions will appear within a written communication and are effective immediately. You are responsible for regularly viewing this disclaimer. Continued use of this service after such changes constitutes your consent to such changes. Should you have any additional concerns regarding inquiries submitted to