1 CERNER CORPORATION GLOBAL LIFE INSURANCE PLAN PLAN NUMBER 515 SUMMARY PLAN DESCRIPTION
2 TABLE OF CONTENTS PAGE ARTICLE I. INTRODUCTION Purpose of Plan Purpose of This Document ARTICLE II. DEFINITIONS Definitions Construction ARTICLE III. PARTICIPATION Beginning of Participation End of Participation Reinstatement of Participation ARTICLE IV. BENEFITS Benefits Limitations, Exclusions and Restrictions on Benefits, Including Pre-Existing Condition Limitations ARTICLE V. ADMINISTRATION OF PLAN Powers of the Plan Administrator: Deference to Plan Administrator Limitation of Rights Alienation ARTICLE VI. AMENDMENT AND TERMINATION Amendment Termination ARTICLE VII. ERISA INFORMATION Plan Name Employer Information Employer Identification Number (EIN) Plan Number Type of Plan Type of Administration Plan Administrator Information Agent for Service of Legal Process Trustee Eligibility for Participation and Benefits Summary of Benefits i
3 7.12 Loss of Eligibility and Benefits Plan Funding Funding Medium Plan Year Claims Procedures Further Information Inspection of Plan Copy of Plan USERRA Rights Statement of ERISA Rights EXHIBIT A EXHIBIT B CLAIM PROCEDURES ii
4 CERNER CORPORATION GLOBAL LIFE INSURANCE PLAN SUMMARY PLAN DESCRIPTION THIS SUMMARY PLAN DESCRIPTION is effective for all purposes as of January 1, ARTICLE I. INTRODUCTION 1.1 Purpose of Plan. The purpose of this Plan is to provide Participants and Beneficiaries with life insurance benefits and AD&D insurance benefits. 1.2 Purpose of This Document. This document, including its Exhibits and the documents referenced in those Exhibits, constitutes the Summary Plan Description required to be distributed under Title I of ERISA. ARTICLE II. DEFINITIONS 2.1 Definitions. The following definitions shall apply to this Summary Plan Description. a. Actively at Work means that an Employee is regularly working at least 20 hours each week. Regularly scheduled days off, holidays, and vacation days count toward this 20-hour threshold, provided that the Employee is capable of active work on those days. b. AD&D means accidental death and dismemberment. c. Affiliate means any of the Employer s subsidiaries or affiliates which are named in the Policy as having Employees that meet the definition herein. Beneficiary means a person designated by a Participant who is or may become entitled to a Benefit under the Plan. d. Benefits means the services provided or amounts paid to or on behalf of Participants and Beneficiaries under the Plan. e. Certificate means the Certificate of Insurance identified in Exhibit A. f. Dependent means a dependent as defined in the Plan. g. Employee means each active, full-time and part-time (20 hour minimum) US expatriate, third country national and UAE and Saudi Arabia employee on local payroll in the Middle East who the Employer or an Affiliate classifies and treats as an employee (not as an independent contractor) for payroll purposes, regardless 1
5 of whether the individual is subsequently reclassified as an employee in a court order, in a settlement of an administrative or judicial proceeding, or in a determination by the Internal Revenue Service, the Department of the Treasury, or the Department of Labor. Employee does not include interns, temporary employees, seasonal employees, or leased employees. h. Employer means Cerner Corporation. i. ERISA means the Employee Retirement Income Security Act of 1974, as amended. j. Participant means an Employee who is eligible to be and becomes a Participant in accordance with Section 3.1. k. Plan means the Cerner Corporation Global Life Insurance Plan. l. Plan Administrator means the Employer, unless the Employer designates another person to hold the position of Plan Administrator. m. Plan Year means the fiscal year of the Plan, a twelve (12) consecutive month period ending every December 31. n. Summary Plan Description means this document, together with the Certificate identified on Exhibit A. 2.2 Construction. As used in this Plan, the masculine gender includes the feminine, and the singular may include the plural, unless the context clearly indicates to the contrary. ARTICLE III. PARTICIPATION 3.1 Beginning of Participation. An Employee becomes a Participant in this Plan when the Employee first meets the eligibility criteria specified in the Certificate or, if none is specified in the Certificate, an Employee shall be eligible as follows: BENEFIT ELIGIBLE EMPLOYEE WAITING PERIOD Life Insurance AD&D Insurance Employees who are Actively at Work None If an Employee participates in the Plan, the Employee s Dependent may also be eligible. 3.2 End of Participation. An Employee and the Employee s Dependent (to the extent such Dependent is a Participant) stops being a Participant in this Plan when the Employee no longer satisfies the eligibility requirements set forth in Section Reinstatement of Participation. If an individual s participation ends as described in Section 3.2, the individual s participation may be reinstated when the individual again meets the requirements described in Section
6 ARTICLE IV. BENEFITS 4.1 Benefits. The Benefits under this Plan, which include life insurance and AD&D insurance, are more specifically described in the Certificate. If you have misplaced your copy of the Certificate, you can contact the Plan Administrator to have it replaced. 4.2 Limitations, Exclusions and Restrictions on Benefits, Including Pre-Existing Condition Limitations. The Plan contains specific provisions as to limitations, exclusions and restrictions on benefits. Please refer to the Certificate when checking to see if a particular event is covered. ARTICLE V. ADMINISTRATION OF PLAN 5.1 Powers of the Plan Administrator. The Plan Administrator shall have full power to administer the Plan, in accordance with its terms, for the exclusive benefit of Plan Participants and their Beneficiaries. For this purpose, the Plan Administrator s powers include, but are not limited to, the following: a. To make and enforce such rules and regulations as it deems necessary or proper for the efficient administration of the Plan, including the establishment of any claims procedures that may be required by applicable law; b. To interpret the Plan (any such interpretation, made in good faith, shall be final and conclusive on all persons claiming benefits under the Plan); c. To decide all questions concerning the Plan and the eligibility of any person to participate in the Plan (any such decision, made in good faith, shall be final and conclusive on all persons claiming benefits under the Plan); d. To appoint such agents, counsel, accountants, consultants and actuaries as may be required to assist in administering the Plan; and e. To allocate and delegate its responsibilities under the Plan and to designate other persons to carry out any of its responsibilities under the Plan. Any such allocation, delegation or designation shall be in writing. 5.2 Deference to Plan Administrator. All decisions by the Plan Administrator will be afforded the maximum deference permitted by law. 5.3 Limitation of Rights. Nothing in this document requires the Employer or the Plan Administrator to maintain any fund or segregate any amount for the benefit of any Participant or Beneficiary. No Participant or other person shall have any claim against, right to, or security or other interest in, any fund, account or asset of the Employer from which any payment under the Plan may be made. 3
7 5.4 Alienation. No Benefits under this Plan may be subject to anticipation, garnishment, attachment, execution or levy of any kind, or be liable for any Participant s or Beneficiary s debts or obligations. ARTICLE VI. AMENDMENT AND TERMINATION 6.1 Amendment. This Plan may be amended at any time, and from time to time, by the Employer. Any such amendment must be in writing. 6.2 Termination. This Plan is established with the intention of being maintained for an indefinite period of time. Nevertheless, the Employer expressly reserves the right to discontinue or terminate the Plan. After the Employer has discontinued or terminated the Plan, no Employee, Participant, Dependent or Beneficiary shall have or attain any vested right, contractual or otherwise, to any further contributions to or benefits from the Plan. ARTICLE VII. ERISA INFORMATION Plan. 7.1 Plan Name. The name of the Plan is Cerner Corporation Global Life Insurance 7.2 Employer Information. The name and address of the Employer are: Cerner Corporation, 2800 Rockcreek Parkway, North Kansas City, Missouri Employer Identification Number (EIN). The Employer s identification number is Plan Number. The Plan Number assigned by the Employer is Type of Plan. The Plan is a welfare benefit plan which provides life insurance and AD&D insurance. 7.6 Type of Administration. The administration of the Plan is performed by the Zurich American Life Insurance Company, which also insures the Benefits provided by the Plan. 7.7 Plan Administrator Information. The name and address of the Plan Administrator are: Cerner Corporation, 2800 Rockcreek Parkway, North Kansas City, Missouri The phone number of the Plan Administrator is: Agent for Service of Legal Process. The name and address of the Plan Administrator are: Cerner Corporation, 2800 Rockcreek Parkway, North Kansas City, Missouri The phone number of the Plan Administrator is: Trustee. The Plan does not use a trust and therefore does not have any trustees Eligibility for Participation and Benefits. The Plan s requirements for participation and benefits are set forth in Section 3.1 or in the Certificate. 4
8 7.11 Summary of Benefits. The benefits provided under this Plan are summarized in the Certificate Loss of Eligibility and Benefits. The circumstances which could result in disqualification, ineligibility, denial, loss, forfeiture, suspension, offset, reduction, or recovery of benefits, are set forth in Article III and in the Certificate Plan Funding. The Benefits offered by the Plan are funded by an insurance policy. The premiums for the policy will be funded by contributions from the participating Employees and the Employer, in such proportions and amounts as the Employer may determine, in its sole discretion. Alternatively, or in combination with such a policy, the Benefits offered by the Plan may be funded by contributions from the participating Employees and the Employer, in such proportions and amounts as the Employer may determine, in its sole discretion. The Employer reserves the right to modify the cost-sharing of contributions between the Employer and participating employees at any time and from time to time Funding Medium. The following funding medium is used for the accumulation of assets under the Plan: None Plan Year. The plan year is the twelve (12) consecutive month period ending every December Claims Procedures. The claims procedures are set forth in the Certificate. In the event that the claims procedures are not set forth in the Certificate, or in the event that the claims procedures do not comply with ERISA 503, the claims procedures set forth in Exhibit B shall apply Further Information. An Employee may obtain further information about the Plan by contacting the Plan Administrator Inspection of Plan. The Employer will make the Plan and all related documents incorporated herein by reference available for inspection at its offices at no cost upon reasonable notice Copy of Plan. Upon reasonable notice and written request a copy of the Plan may be obtained from the Plan Administrator. The Plan Administrator may impose a reasonable charge for copies USERRA Rights. If an Employee is covered under the Plan and takes a Military Leave, the Employee will continue to be covered by the Plan to the extent required by the Uniformed Services Employment and Reemployment Rights Act of 1994 ( USERRA ). Contact the Plan Administrator for additional information Statement of ERISA Rights. As a Participant in this Plan, you are entitled to certain rights and protections under ERISA. ERISA provides that all Plan Participants shall be entitled to: 5
9 Receive Information About Your Plan and Benefits You may examine, without charge, at the Plan Administrator s office all documents governing the Plan, including insurance contracts, and a copy of the latest annual report (Form 5500 Series), if any, filed by the Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration. You may obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the Plan, including insurance contracts and copies of the latest annual report (Form 5500 Series), if any, and updated Summary Plan Description. The administrator may make a reasonable charge for the copies. You will receive a summary of the Plan s annual financial report. The Plan Administrator is required by law to furnish each Participant with a copy of this summary annual report. Prudent Action by Plan Fiduciaries In addition to creating rights for Plan Participants ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate your Plan, called fiduciaries of the Plan, have a duty to do so prudently and in the interest of you and other Plan Participants and Beneficiaries. No one, including your employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a welfare benefit or exercising your rights under ERISA. Enforce Your Rights If your claim for a welfare benefit is denied or ignored, in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules. Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of Plan documents or the latest annual report from the Plan and do not receive them within 30 days, you may file suit in a Federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal court. In addition, if you disagree with the Plan s decision or lack thereof concerning the qualified status of a domestic relations order or a medical child support order, you may file suit in Federal court. If it should happen that Plan fiduciaries misuse the Plan s money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a Federal court. The court will decide who should pay court costs and legal fees. If you are successful the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous. 6
10 Assistance With Your Questions If you have any questions about your Plan, you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA, or if you need assistance in obtaining documents from the Plan Administrator, you should contact the nearest office of the Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration. 7
11 EXHIBIT A Document Issuer Effective Date Certificate of Insurance No ZACERT-LF-MO- 01 Zurich American Life Insurance Company January 1,
12 EXHIBIT B CLAIM PROCEDURES I. Definitions. Claimant means any person submitting a claim under the Plan. Claimant includes any authorized representative who submits such a claim on behalf of a Claimant. II. III. Legal Action. A claimant must exhaust his or her administrative remedies under these procedures prior to bringing any legal action with respect to a claim for benefits. Initial Claim. A. Submitting an Initial Claim. In order to receive benefits under the Plan, a Claimant must submit a Claim to the Plan Administrator. Upon request, the Plan Administrator will provide a claim form. In addition, the Plan Administrator will consider any written request for benefits to be a claim. B. Timing of Initial Claim. Claims must be filed no later than 90 days after the date the applicable the event occurred. C. Approval of Initial Claim. If a claim for benefits is approved, the Plan Administrator will provide the Claimant with written or electronic notice of such approval. The notice will include: (i) The amount of benefits to which the Claimant is entitled; (ii) the duration of such benefit; (iii) the time the benefit is to commence; and (iv) other pertinent information concerning the benefit. D. Notice of Denial of Initial Claim. If a claim for benefits is denied (in whole or in part), the Plan Administrator will provide the Claimant with written or electronic notification of such denial. The notice of denial of the claim will include: (i) the specific reason that the claim was denied; (ii) a reference to the specific provisions of the Plan on which the denial was based; (iii) a description of any additional material or information necessary to perfect the claim and an explanation of why this material or information is necessary; (iv) a description of the appeal procedures and the time limits that apply to such procedures, including a statement of the Claimant s right to bring a civil action under ERISA 502(a) if the claim is denied on appeal; and (v) any materials required under 29 C.F.R (g)(1)(v) (relating to claims that are denied on the basis of an internal guideline, medical necessity limitation, or experimental treatment limitation). The Claimant may review pertinent documents and submit issues and comments in writing to the Plan Administrator. The Claimant may appeal the denial as set forth below. IF THE CLAIMANT FAILS TO APPEAL SUCH ACTION TO THE PLAN ADMINISTRATOR IN WRITING WITHIN 180 DAYS AFTER RECEIVING THE NOTICE OF DENIAL, THE DENIAL OF A CLAIM SHALL BE FINAL, BINDING, AND CONCLUSIVE. B-1
13 E. Timing Of Notice Of Denial. The notice required by the previous section must be provided no more than 90 days after receipt of the claim by the Plan Administrator, unless special circumstances require an extension of time for processing the claim. IV. Appeals. A. Filing An Appeal. In the event that a claim is denied (in whole or in part), the Claimant may appeal the denial by giving written notice of the appeal to the Plan Administrator within 180 days after the Claimant receives the notice of denial of the claim. At the same time the Claimant submits a notice of appeal, the Claimant may also submit written comments, documents, records, and other information relating to the claim. The Plan Administrator will review and consider this information without regard to whether the information was submitted or considered in conjunction with the initial claim. B. General Appeal Procedure. The Plan Administrator may hold a hearing or otherwise ascertain such facts as it deems necessary and will render a decision which shall be binding upon both parties. C. Notice Of Decision On Appeal. The appeal decision will be provided in written or electronic form to the Claimant. If the appeal decision is adverse to the Claimant, the written decision will include the following: (i) the specific reason or reasons for the appeal decision; (ii) reference to the specific provisions of the Plan on which the appeal decision is based; (iii) a statement that the Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records, and other information relevant to the Claimant s claim for benefits (whether a document, record, or other information is relevant to a claim for benefits will be determined by reference to 29 C.F.R (m)(8)); (iv) a statement describing any voluntary appeal procedures and the Claimant s right to obtain the information about such procedures; (v) a statement of the Claimant s right to bring an action under ERISA 502(a); (vi) any materials required under 29 C.F.R (j)(5)(i) or (ii) (relating to claims that are denied on the basis of an internal guideline, medical necessity limitation, or experimental treatment limitation); and(vii) the following statement: You and your plan may have other voluntary alternative dispute resolution options, such as mediation. One way to find out what may be available is to contact your local U.S. Department of Labor Office and your State insurance regulatory agency. D. Timing Of Notice Of Decision On Appeal. The Plan Administrator will render a decision on appeal no more than 60 days after receipt of the appeal by the Plan Administrator, unless special circumstances require an extension of time. B-2
14 V. Extensions of Time. A. Notice of Extension. If the Plan Administrator requires an extension of time, the Plan Administrator will provide the Claimant with written or electronic notice of the extension before the first day of the extension. The notice of the extension will include: (i) an explanation of the circumstances requiring the extension, which circumstances must be matters beyond the control of the Plan Administrator; (ii) the date by which the Plan Administrator expects to render a decision; (iii) the standard on which the Claimant s entitlement to a benefit is based; and (iv) the unresolved issues, if any, that prevent a decision on the claim or on appeal, and the information needed to resolve those issues. In the event such information is needed, the Claimant will have at least 45 days in which to provide the specified information. In addition, the time for determining an initial claim will be tolled from the date on which the notice of extension is sent to the Claimant until the date on which the Claimant responds to the request for additional information. B. Extensions for Initial Claims. The Plan Administrator s ability to extend the time for deciding an initial claim is limited to no more than one extension of 90 days. C. Extension for Appeals. The Plan Administrator s ability to extend the time for deciding an appeal is limited to no more than one extension of 45 days. B-3
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