5 5 INTRODUCTION I UPDATE ON HEALTH CARE REFORM BENEFITS GUIDE INTRODUCTION For the 2022 plan year, XYZ COMPANY has worked hard to offer a competitive total rewards package that includes valuable and competitive benefits plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and XYZ COMPANY is offering an overall benefits package that can be shaped and molded by you to fit your needs. As an employee of XYZ COMPANY enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well - being, but ultimately, in terms of achieving the goals of our organization. This benefits booklet is a summary description of your XYZ COMPANY benefit plans . If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail . This booklet and plan summaries do not constitute a contract of employment . We hope this benefits booklet, along with our additional communication and decision - making tools, will help you make the best health care choices for you and your family.