43 AMENDMENT OR TERMINATION OF THE PLAN As Plan Sponsor, the Employer has the right to amend or terminate the Plan at any time. You have no vested or permanent rights or benefits under the Plan . Plan benefits will typically change from year - to - year and you should examine all materials provided to you each year to determine the benefits of the Plan . No Contract of Employment The Plan is not intended to, and does not, either directly or indirectly constitute any form of employment contract or other employment arrangement between you and Employer. Other Materials The Certificate of Coverage (including the Member Payment Summary, and the Provider & Facility Directory) issued by Plans are part of the Summary Plan Description . Please refer to these materials for other important provisions regarding your participation in the Plan .