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Disclaimer: This Benefit Guide provides a brief summary of the benefits available under the Atlanta Research &
Education Foundation’s Benefit Program. In the event of any discrepancy(ies) between this summary and any
Document, Insurance Contract or Certificate, the Insurance Document(s) will prevail. All benefits provided by the
Foundation are subject to change and are further subject to such greater requirement as may apply as a matter
of state and federal law. While AREF intends to continue group benefit plans indefinitely, it reserves the right to
amend or discontinue all or some of them at any time, subject to applicable laws and regulations. If a plan is
terminated and not replaced with comparable benefits, participants in the plan(s) will be notified. The plan
documents control in the event of any conflict between the statements in the handbook and the plan.
Please
remember that actual benefits provided, as well as eligibility requirements, are determined by the plan
documents.
For information, refer to the plan document or contact AREF Human Resources.