3 INTRODUCTION This document (the Summary Plan Description ( SPD ) Wrap Document ) constitutes the governing plan document and SPD for Snellings Walters Insurance Agency Welfare Benefit Plan and presents information about all the health and welfare benefit plans maintained by Snellings Walters Insurance Agency (Employer ) , and your rights and benefits as a Plan P articipant. Please refer to the “Subsidiary Contracts” ( i.e., applicable certificate of coverage, subscriber agreement, or evidence of coverage booklet , which are incorporated herein by reference as described below ) for more details on specific items such as benefit coverage, definitions, coordination of benefits, claims procedures and exclusions and limitations. The actual terms and conditions of the Subsidiary Contracts offered under this Plan are contained in separate, written documents governing each re spective benefit. I n the event of a conflict between this SPD and a Subsidiary Contract, the terms of the Subsidiary Contract shall govern . E ach separate Subsidiary Contract, as amended or subsequently replaced, is hereby incorporated by reference as if fully recited herein. This Wrap Document and the incorporated Subsidiary Contracts have been prepared for Plan Participants , and together constitute the Summary Plan Description for your Welfare Benefit Plan . This is intended to comply with the disclosure requirements set forth in regulations issued by the U.S. Department of Labor under the Employee Retirement Income Security Act (ERISA) of 1974. Please read this SPD carefully and keep it along with your other benefit plan information for future reference. This Wrap Document contains a summary in English of your rights and benefits under the Snellings Walters Insurance Agency Welfare Benefit Plan. If you have difficulty understanding any part of this Wrap Document, contact the Plan Administrator for assistance. GENERAL TERMS AND CONDITIONS This Welfare Benefit Plan is established for the purpose of providing the employee welfare benefits listed here in for the benefit of eligible Employees and D ependents. This Plan d ocument , together with the Adoption A greement and Governing D ocuments described herein constitutes the written plan document required by ERISA § 402(a), and is an employee Welfare Benefit Plan (within the meaning of ERISA § 3(l)). The Plan , also provides benefits in accordance with the applicab le requirements of federal laws such as , Consolidated Omnibus Budget Reconciliation Act (COBRA), Health Insurance Portability Accountability Act (HIPAA), Newborns’ and Mothers’ Health Protection Act (NMHPA), Mental Health Parity Act (MHPA), and the Women’s Health and Cancer Rights Act (WHCRA) and the Genetic Information Non - Discrimination Act (GINA) . In addition, some of the Welfare Program s are offered on a pre - tax basis through the Section 125 Plan in accordance with the Internal Revenue Code.