2015 Benefi t Highlights. Consulting Staff and Voting Administrative Staff. Mayo Clinic in Arizona, Florida and Rochester. benefits TO BUILD ON

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1 2015 Benefi t Highlights Consulting Staff and Voting Administrative Staff Clinic in Arizona, Florida and Rochester benefits TO BUILD ON

2 Table of Contents Who is Eligible to Enroll? 1 Medical Plans 2 Medical Plan Premiums 4 Medical Expense Reimbursement Plan 5 Medical Plan Prescription Drugs 5 Dental Plans 6 Dental Premiums 7 Flexible Spending Accounts (FSA) 7 Financial and Retirement 8 Time Away from Work 9 Survivor s Benefits and Optional Insurance 10 Professional Growth and Development 11 Work-Life Balance 11 Health and Wellness 12 Staff Member Services 12 Working at Clinic is making a difference. It s providing the highest quality patient care by placing the needs of the patient first. At Clinic, you ll discover a culture of teamwork, professionalism and mutual respect where you can heal the sick, advance the science, and share the knowledge. We are excited to share with you in the following pages a highlight of the wide variety of benefits offered to Clinic staff. This is the first of many tools and resources that we offer to help you manage your health and finances so that you can focus on the needs of the patient.

3 Who is Eligible to Enroll? Make sure you and your loved ones are covered. Life is full of change, and Clinic has an annual Open Enrollment for medical, dental and other benefits that gives you a chance to review and update your benefit elections to keep in step with your needs. You also have options to change your benefits when an eligible life event occurs. You are a benefits-eligible staff member if your Full Time Equivalent (FTE) is 0.5 or greater. That means that you are on file with Human Resources as having a work schedule that is 40 hours pay iod or more. For coverage, eligible members include: A spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized*). Biological or legally adopted children, and stepchildren (including children of same-sex domestic partner in states where same-sex marriage has not been legalized*) who are under age 26. An eligible child over the age of 26 who is physically or mentally incapable of self-support may continue coverage according to plan guidelines. Contact the Office of Staff Services for more information. Basic Plan You cannot enroll in the Basic Plan if you are: Participating in the Medical Expense Reimbursement Plan. This applies to you and your spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized*). Participating in a Health Care Flexible Spending Account. This applies to you and your spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized*). Participating in the Reimbursement Account. This applies to you and your spouse or same-sex domestic partner (in states where same sex marriage has not been legalized*). Health Savings Account IRS guidelines outline eligibility requirements for participating in a Health Savings Account (HSA). To participate in a HSA, you must be enrolled in the Basic Plan option. You cannot open a HSA if you are: Covered under a health plan by your spouse or same-sex domestic partner that is not a High-Deductible Health Plan (HDHP) A student at Clinic College of Medicine Claimed as a dependent on another son s federal tax return A resident of Alabama, California or New Jersey * Additional pawork is required for same-sex domestic partners in states where same-sex marriage has not been legalized. Children of a same-sex domestic partner must be financially dependent on the employee. Supporting documentation will be requested by Human Resources Benefit Highlights - Consulting Staff and Voting Administrative Staff 1

4 Medical Plans At Clinic, the needs of the patient come first and that includes you and your. That s why all Medical Plan options cover the same services. No need to compare your medical plan options based on services. Instead, look at the cost-sharing amounts the premiums, deductibles, copayments, and out-of-pocket maximums to determine what meets your preferences or needs. Cost-sharing Amounts Annual Deductible Annual Out-of-Pocket Maximum Premier Select Basic $300 son; $600 $2,000 son; $4,000 $450 son; $900 $3,000 son; $5,000 Out-of- Network $900 son; $1,800 $4,000 son; $6,000 $800 son; $1,600 $3,500 son; $7,000 $1,200 son; $2,400 $4,500 son; $8,000 Out-of- Network $1,600 son; $3,200 $5,500 son; $9,000 Employee: $1,700 E+Child(ren): $3,400 E+Spouse: $3,400 Family: $3,400 Employee: $5,000 E+Child(ren): $10,000 E+Spouse: $10,000 Family: $10,000 Employee: $1,900 E+Child(ren): $3,800 E+Spouse: $3,800 Family: $3,800 Employee: $6,000 E+Child(ren): $11,000 E+Spouse: $11,000 Family: $11,000 Out-of-Network Employee: $2,100 E+Child(ren): $4,200 E+Spouse: $4,200 Family: $4,200 Employee: $7,000 E+Child(ren): $12,000 E+Spouse: $12,000 Family: $12,000 Physician Visits a. Primary care b. Express care c. Urgent care d. Specialty care Preventive Care Services See Preventive Care Services chart Premier Select Basic b. $0 c. $0 b. $0 c. $0 Out-of- Network b. $0 c. $0 b. $0 c. $0 Out-of- Network $0 $0 NC $0 $0 NC $0 $0 NC Out-of- Network Diagnostic Tests and Labs 20% 20% 40% 20% 20% 40% 20% 20% 40% Maternity Care Services a. Prenatal and postnatal visits b. Delivery, inpatient services Emergency Services a. Emergency transportation to nearest qualified facility (includes air ambulance when authorized) b. Emergency room facility/ professional (physicians, nurses, etc.) b. $75 b. $75 b. $75 b. $75 b. $75 b. $75 * * * *After deductible is met Benefit Highlights - Consulting Staff and Voting Administrative Staff 2 NC = Not covered

5 Inpatient Hospital Services Prior authorization required by the Plan for services. Outpatient Hospital & Ambulatory Services Premier Select Basic Out-of- Network Out-of- Network 20% 20% 40% 20% 20% 40% 20% 20% 40% 20% 20% 40% 20% 20% 40% 20% 20% 40% Out-of- Network Rehabilitative Therapy, Chiropractic Care and Acupuncture Services a. Physical therapy (PT), Occupational therapy, Speech therapy b. Chiropractic care Limit of 20 spinal manipulations year ; 20-visit limit for PT ; 20-visit limit for PT ; 20-visit limit for PT c. Acupuncture Limit of 20 visits year c. NC c. NC c. NC c. NC c. NC c. NC Continued Care a. Home health care (90-day limit year) b. Home infusion therapy c. Hospice care (inpatient) d. Hospice care (outpatient) e. Skilled nursing care facility (30-day limit year) e. 40% e. 40% e. 40% Note: Custodial care not covered. Infertility Services Office visits and outpatient or hospital procedures 50% for eligible services 50% for eligible services NC 50% for eligible services 50% for eligible services NC 50% for eligible services 50% for eligible services NC Up to $15,000 lifetime maximum Mental Health and Chemical Dependency Services a. Specialty care visit b. Inpatient c. Outpatient d. Non-Residential Structured Treatment Program e. Residential Structured Treatment Program e. 40% e. 40% e. 40% Special Services a. Chemotherapy/radiation therapy b. Disposable supplies c. Durable, non-durable medical equipment d. Orthotics and prosthetics e. Tobacco cessation f. Tobacco Treatment Program e. $0 f. $0 e. $0 f. $0 e. NC f. NC e. $0 f. $0 e. $0 f. $0 e. NC f. NC e. $0 f. $0 e. $0 f. $0 e. NC f. NC NC = Not covered 2015 Benefit Highlights - Consulting Staff and Voting Administrative Staff 3

6 What you ll pay for Medical Plan Premiums in 2015 reviews the costs of Medical Plan options annually, adjusting premiums and/or cost-sharing amounts when necessary. Medical premiums are outlined in the table below with both pre-tax monthly and -pay-iod amounts. If you choose benefit coverage, the appropriate pre-tax premium rate will be deducted from your paycheck. Full-Time Employee Premiums ( FTE) Premier Select Basic Monthly Per Pay Period Monthly Per Pay Period Monthly Per Pay Period Employee $86 $43 $48 $24 $12 $6 Employee + Child(ren)* $171 $85.50 $95 $47.50 $23 $11.50 Employee + Spouse* $154 $77 $86 $43 $21 $10.50 Family* $257 $ $143 $71.50 $35 $17.50 Part-Time Employee Premiums ( FTE) Employee $129 $64.50 $72 $36 $18 $9 Employee + Child(ren)* $257 $ $143 $71.50 $35 $17.50 Employee + Spouse* $231 $ $129 $64.50 $32 $16 Family* $386 $193 $215 $ $53 $26.50 Spousal Surcharge: A $50 pre-tax monthly surcharge will be added to the medical plan for staff members covering a spouse or same-sex domestic partner* who is offered medical coverage through his/her employer, does not elect that coverage, and is instead covered under the Medical Plan. Note: The premium is taken out of the first two pay iods month, so the amount shown pay iod is taken out of your paycheck 24 times year. *Same-sex domestic partners and their children are also eligible for coverage in states where same-sex marriage has not been legalized Benefit Highlights - Consulting Staff and Voting Administrative Staff 4

7 Medical Expense Reimbursement Plan (Employer Paid) Medical Expense Reimbursement Plan (MERP) ARIZONA FLORIDA ROCHESTER Annual employer allotment of $10,000 staff member for reimbursement of medical and dental expenses. MERP is not available if you participate in the Basic Plan. The $10,000 may be used for reimbursement of the following expenses: Reimbursement of 20% for out-of-network coinsurance. Dental reimbursement of $1,500 annually for routine expenses Orthodontics reimbursed at 100% Medical Plan Comparisons of Prescription Drug Coverage Select/ Premier * Basic * Prescription Drug Coverage Mail Service (up to 100-day supply) Outpatient Pharmacy (up to 100-day supply except where indicated) Catamaran Pharmacy (up to 34-day supply) Mail Service (up to 100-day supply) Outpatient Pharmacy (up to 100-day supply) Catamaran Pharmacy (up to 34-day supply) Formulary generic and preferred drug (Tier I) $10 maximum $10 maximum up to 34-day supply $10 maximum 5% 10% 25% Formulary Brand or injectable drug (Tier II) 25% ($10 minimum) 30% ($10 minimum) 40% ($15 minimum) 25% 30% 40% Formulary non-preferred drug (Tier III) 40% ($10 minimum) 40% ($10 minimum) 50% ($15 minimum) 40% 40% 50% Non-formulary drug (Tier IV)** 50% ($10 minimum) 50% ($10 minimum) 60% ($15 minimum) 50% 50% 60% Deductible None Combined with medical deductible Annual out-of-pocket maximum Combined with medical out-of-pocket maximum * Specialty prescriptions are covered under the Medical Plan when purchased at the Specialty Pharmacy as well as any participating Clinic or Clinic Health System outpatient pharmacy. ** Non-formulary (Tier IV) prescriptions do not apply to the Premier or Select plans out-of-pocket maximums Benefit Highlights - Consulting Staff and Voting Administrative Staff 5

8 Dental Plans Healthy teeth are a part of wellness. Clinic provides two dental options for all benefits-eligible staff members to choose from. Delta Dental Delta Dental is an option that is a cost-sharing plan with a participating provider network. This plan provides flexibility, network savings and preventive services. Reimbursement Account (MRA) The MRA is an annual $1,150 employer contribution (prorated based on start date) that can be used toward dental and vision expenses. You have the choice of any provider. Delta Dental Reimbursement Account* Deductible $50 son / $150 N/A Annual Maximum (paid by plan) $1,000 son calendar year $1,150 calendar year Preventive (exams/cleaning) $0 $0** Basic Services 20% $0** Major Restorative Services (crowns/inlays) 50% $0** Lifetime Orthodontic Maximum (paid by plan) $1,500 individual lifetime $1,500 individual lifetime Vision Expenses N/A $0** *Not available if enrolled in Basic medical plan. **Results in $0 staff member responsibility when services are reimbursed with MRA dollars. Month of Enrollment MRA Proration Amount Month of Enrollment MRA Proration Amount Month of Enrollment MRA Proration Amount January $1, May $ September $ February $1, June $ October $ March $ July $ November $ April $ August $ December $ Benefit Highlights - Consulting Staff and Voting Administrative Staff 6

9 Dental Plan Premiums for 2015 Dental premiums are outlined in the table below with both pre-tax monthly and -pay-iod amounts. If you choose benefit coverage, the appropriate pre-tax premium rate will be automatically deducted from your paycheck. Delta Dental Reimbursement Account (MRA) Full-Time Employee Premiums ( FTE) Monthly Per Pay Period Monthly Per Pay Period Employee $9 $4.50 $4 $2 Employee + Child(ren)* $18 $9 $4 $2 Employee + Spouse* $27 $13.50 $4 $2 Family* $35 $17.50 $4 $2 Part-Time Employee Premiums ( FTE) Employee $9 $4.50 $4 $2 Employee + Child(ren)* $27 $13.50 $4 $2 Employee + Spouse* $36 $18 $4 $2 Family* $48 $24 $4 $2 *Same-sex domestic partners and their children are also eligible for coverage in states where same-sex marriage has not been legalized. Note: The premium is taken out of the first two pay iods month, so the amount shown pay iod is taken out of your paycheck 24 times year. Flexible Spending Accounts (FSA) Flexible Spending Accounts (FSA) are a benefit that can help you stretch your dollars. With a FSA, you can set aside pre-tax dollars through payroll to help pay for eligible expenses incurred by you or your. It is called a voluntary benefit because you choose to establish and fund it yourself. Health Care FSA* The Health Care FSA mits a reserve of pre-tax income (up to $2,500 maximum annual contribution staff member) to pay for eligible medical and/or dental expenses incurred but not covered by other plans. Staff members with a Health Care FSA will be allowed to roll-over $500 year. *Health Care FSA benefit is not available to participants in Basic. Dependent Care FSA The Dependent Care FSA mits a reserve of pre-tax income (up to $5,000 maximum annual contribution household) to pay for eligible child or other dependent care expenses Benefit Highlights - Consulting Staff and Voting Administrative Staff 7

10 Financial and Retirement Clinic administers a competitive, predictable and market-leading salary program. Clinic also provides a comprehensive and competitive retirement package that will assist you in achieving your sonal financial security for your retirement. Pension Plan Supplemental Retirement Plan (SRP) Clinic is one of the few U.S. companies who continue to provide a pension benefit at no cost to their staff. The Clinic Pension is a defined benefit plan where contributions are made by your employer. Your final benefit payout can be predicted because it is determined by a formula rather than by investment results. Staff members are eligible to receive a non-qualified retirement plan that provides a benefit beyond the Pension plan when salary is greater than the annual Federal pension limits. Optional Deferred Compensation 457(b) A public accounting firm will prepare your federal and state income tax return with a maximum value of $600. The cost is a taxable benefit. Staff members are eligible to participate in a voluntary program that allows individuals the opportunity to defer pretax dollars in a Fidelity administered investment program. The IRS maximum allowable contribution for 2015 is $18,000. There is no catch-up provision for age 50 or older. Enrollment and deferral changes are allowed from May 1 - June 15 each year. Income Tax Preparation 403(b) and 401(k) Retirement plans The optional 403(b) or 401(k) plans allow staff members to contribute pre-tax or post-tax Roth dollars to an investment plan administered by Fidelity Investments. There are many investment options to choose from, including a self-directed brokerage account. You may generally defer up to 50% of annual salary or the annual IRS limit, whichever is less. The IRS limit for 2015 is $18,000 or $24,000 if you are 50 years of age or older. New staff members are automatically enrolled at a 4% contribution rate of salary. Clinic will match 403(b)/401(k) contributions up to a salary maximum of $265,000 based on length of pension benefit service, shown in the chart below. Length of pension benefit service Clinic match (%) Example match based on pension benefit service % on the first 4% of employee contribution $1.00 employee contribution $0.50 match % on the first 4% of employee contribution $1.00 employee contribution $0.75 match % on the first 4% of employee contribution $1.00 employee contribution $1.00 match 2015 Benefit Highlights - Consulting Staff and Voting Administrative Staff 8

11 Time Away From Work Achieving balance means something different for everyone, whether it s going on vacation, meeting people with similar hobbies, or spending time with and friends. At Clinic, we understand that time off is critical to maintaining a work/life balance, and as a result, offer time off benefits that are very generous. Benefit Contribution By Description of Benefit Age Vacation Days Under 40 years of age and less than 5 years on staff years of age or under age 40 with 5 years on staff years of age or under age 50 with 15 years on staff years of age and older or under age 60 with 25 years on staff 35 Up to a maximum of 10 days calendar year can be rolled over to the following year. ARIZONA FLORIDA ROCHESTER Professional Trip Time You may use up to 18 days year, with no more than 10 days as attendance only. Days and travel limits cannot roll over to the following year. You may use up to 18 days year, with no more than 10 days as attendance only, and an individual travel limit of $14,000 year. Days and travel limits cannot roll over to the following year. You may use up to 18 days year, with no more than 10 days as attendance only, and an individual travel limit of $14,000 year. Days and travel limits cannot roll over to the following year. Other Absences Staff members are mitted reasonable time off with pay for funerals and jury duty as noted in the Staff Policy Manual. Holiday Staff members receive full salary for the six recognized holidays. Short-Term and Long-Term Disability Short-Term Disability begins immediately and protects 100 cent of your salary for the first six months. If you are unable to form the duties of your regular occupation beyond six months you may be eligible for a Long-Term Disability benefit that protects 84% of gross income up to age Benefit Highlights - Consulting Staff and Voting Administrative Staff 9

12 Survivor s Benefits and Optional Insurance Clinic offers both employer paid and voluntary life insurance to care for yourself and loved ones and provide financial security should the unexpected occur. Employer Paid Life Insurance Coverage Employer paid life insurance pays benefits to your designated beneficiaries in the event of your death for any cause. Employer paid life insurance pays a benefit of three times your annual salary, up to the plan s maximum salary limit. Clinic pays the full cost of coverage for the Employer Paid Life Insurance. Employer Paid Accidental Death & Dismemberment Insurance (AD&D) Employer Paid AD&D insurance pays a benefit amount equal to your annual salary, up to the plan s maximum salary limit, to your designated beneficiaries in the event of your accidental death or a centage of the benefit for a qualified dismemberment. Your employer pays the full cost of coverage for the Employer Paid AD&D. Employee Paid Optional Insurance Benefit Employee Cost Description of Benefit ARIZONA FLORIDA ROCHESTER Voluntary Universal Life Insurance $0.05 to $8.00 $1,000 of coverage month (based on age) You may purchase additional term life insurance from the Group Voluntary Universal Life Insurance Plan. The plan offers a benefit of one or two times your annual salary, payable to your beneficiary in the event of your death from any cause. This plan offers a cash accumulation fund or side fund with the ability to contribute 0-12 times one s monthly premium month. Family Life Insurance Voluntary Accidental Death & Dismemberment (AD&D) Insurance Excess Personal Liability Long-Term Care Insurance Auto/Home/Renter s Insurance Varies according to spouse s age $0.15 $10,000 coverage/month $22 or $32 month Rates based on age at date of issue Varies When you elect Voluntary Universal Life Insurance, you also may participate in Family Term Life Insurance. You can elect a benefit of one or two times your annual salary. You cannot elect a benefit on your spouse that is greater than your benefit. You can elect a benefit of $10,000 child. If you have elected spousal coverage, you will not pay an additional premium for child coverage. If you are married but have not elected spousal coverage, you will pay a small premium child. You can purchase additional Voluntary AD&D coverage, in addition to the employer paid AD&D plan. Coverage is available in $10,000 or $25,000 increments, up to a maximum of $225,000. Hirman Insurors provides protection of $3 million or $5 million in umbrella insurance coverage, beyond requisite sonal homeowner/renter and automobile insurance limits. Voluntary Group Long-Term Care Insurance through CNA Insurance Company is available to you as a benefits-eligible Clinic staff member. It also is available to your spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized), parents, grandparents and in-laws. Policies are underwritten by the Travelers Insurance Company with Hirman Insurors (FL - Auto Only). Premiums for this coverage are deducted from your payroll deposit. Identity Theft Insurance $69 year Identify Theft Insurance covers expenses that could be incurred in your efforts to restore your financial health and credit history after an identity theft. There is a $500 deductible, with coverage of up to $25,000 for reimbursement of expenses, and up to $100,000 for fraudulent charges (over and above insurance coverage provided by policyholder s financial institution) Benefit Highlights - Consulting Staff and Voting Administrative Staff 10

13 Professional Growth and Development From a staff member s first day, learning opportunities and exiences create pathways for individual growth and development. Benefit Contribution By Description of Benefit ARIZONA FLORIDA ROCHESTER Expense Reimbursement The annual limit for reimbursing dues and professional expenses is determined by the Clinic Salary and Benefits Committee. Staff members are responsible for monitoring the expenses submitted and for not exceeding the $2,200 limit each calendar year. The annual $2,200 limit is not prorated for new staff or staff retiring/resigning. Expenses allowable by the IRS under the Dues and Professional Expense policy include: Medical society or professional association dues Non- practice state medical licenses Medical or professional subscriptions Textbooks, educational materials and CME courses Certain medical tools and devices (e.g. stethoscopes) Work-Life Balance Whether searching for activities, finding child care for a sick child, or finding the right caregiver for an older member, resources are available to help. Benefit Contribution By Description of Benefit ARIZONA FLORIDA ROCHESTER Leisure and Lifestyle Activities Program Free and discounted events and services, including special attractions, events, group banking, and services discounts (child-care facilities, hotels, etc.) Sick Child Care and Employee Please contact local HR for details. Bright Horizons is the service provider in Florida. You may use up to 80 hours of care annually. Sick child care is provided in the staff member s home at $8 hour. Children s R&R is a free, on site sick child care center staffed by nurses. Backup Child Care and Employee Please contact local HR for details. Bright Horizons is the service provider in Florida. You may use up to 80 hours of care annually at the rates of $8 hour for in-home care and $6 hour for center-based care. There is no age limitation. Bright Horizons is the service provider in Rochester. The number of backup child care days is 20 child, year at the rates of $15/day for one child and $20/day for two or more. Children ages 6 weeks to 12 years are eligible. Child and Elder Care Referral and Employee Please contact local HR for details. Child and adult/elder care options are available and service is provided by Bright Horizons. Child and adult/elder care options are available and service is provided by LifeCycleConnect Benefit Highlights - Consulting Staff and Voting Administrative Staff 11

14 Health and Wellness Clinic encourages healthy living at all three campuses. B e n e fi t Contribution By Description of Benefit ARIZONA FLORIDA ROCHESTER Fitness Facilities Employee Clinic has partnered with dozens of local fitness clubs to offer discounts on enrollment fees and monthly membership dues. The Dan Abraham Healthy Living Center (DAHLC) is Clinic s onsite facility for wellness practice, education, and research. The facility provides an enjoyable, accessible environment for individuals and groups to learn and practice healthy living through quality facilities and effective programs and services. The facility offers incentive-based membership fees. Staff Member Services B e n e fi t Contribution By Description of Benefit ARIZONA FLORIDA ROCHESTER Office of Staff Services The Office of Staff Services is available to help staff members address issues of concern in their professional and sonal lives. Your resources are available from two groups: (1) A financial service and benefits team is available to provide benefits counseling, retirement planning, investment analysis including asset allocation, college planning, income tax consulting, insurance consulting and estate planning. (2) For sonal assistance, an advisory panel of physicians, scientists and administrators have partnered with the Department of Psychiatry and Psychology to help identify resources available for your sonal needs. Adoption Assistance Clinic offers an Adoption Assistance Plan that provides financial assistance to help meet the cost of adoption by reimbursing you up to $10,000 adoption. also offers you up to $500 for the adoption of a stepchild and grandchild. Dependent Scholarship Plan Employee Assistance Program (EAP) Clinic offers a Scholarship Plan to children of employees who meet the plan qualifications. The plan may award up to $3,000 year for as many as four years of post-high school education. Employees and their members have access to employer paid, confidential services for individual,, marital, stress and job-related concerns; chemical dependency assessment. 24-hour crisis line (AZ and FL). Parking and Commuting Free and conveniently located covered parking is available on both the Phoenix and Scottsdale campuses. Clinic provides free car-starting and door-unlocking services for your sonal safety and security. Clinic offers a car pool program with preferential parking. Clinic also provides free car-starting services for your sonal safety and security. Clinic provides subsidized bus passes and free on-site parking. Clinic also provides free carstarting and door-unlocking service year-round for your sonal safety and security. Malpractice Insurance Coverage for professional liability exposure through a privately owned insurance company. Coverage is on an occurrence basis which means your professional liability coverage applies if the incident occurs during the term of your employment. Because of this, tail coverage is not needed if you terminate your employment with Clinic Benefi t Highlights - Consulting Staff and Voting Administrative Staff 12

15 2015 Benefit Highlights - Consulting Staff and Voting Administrative Staff 13

16 This is a high-level summary of certain Clinic benefits. It is intended for general information purposes only and should not be considered legal, investment or other benefits advice. This document is not a legal Summary Plan Description or plan document. If there is a conflict with this information and an official plan document, the official plan document is controlling. Clinic reserves the right to terminate or amend the Plans at any time, in whole or in part, for any reason. Any such amendment or termination may apply to current and future participants, current and future retirees, covered spouses, beneficiaries and dependents. Office of Staff Services Rochester: (507) Arizona: (480) Florida: (904) MC rev1214