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This website presents a summary of compensation and benefits available to you, based on the information provided to Morneau Shepell by [Official IOL name]. While every effort has been made to report information accurately, all benefits and programs are governed by the respective plan document. A plan document is the official plan text or contract, which governs the operation of the plan. The language used in this website is not intended to create, nor is it construed to create, a contract between [Official IOL name] and any one of its employees or former employees. In the event that the content of this website or any oral representations made by any person regarding the plan conflict with or are inconsistent with the provisions of the plan document, the provisions of the plan are controlling. Your enrollment in any of [Official IOL name]'s plans is subject to all limitations of the plan, including any pre-existing condition exclusion, waiting periods, at-work requirements, and eligibility requirements. [Official IOL name] reserve the right to amend, modify, or terminate any of the plans stated herein.