UnitedHealthcare group retiree plan documents

Plan materials for UnitedHealthcare® Group Medicare Advantage and UnitedHealthcare® Group MedicareRx for Groups (PDP) plans

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If any conflict should arise between the content of this communication (including accompanying material) and the legal Plan documents, or if any point is not discussed in this communication or is only partially discussed, the terms of the legal Plan documents (as interpreted by the plan administrator) will govern in all cases. As always, IBM reserves the right, in its sole discretion, to amend and/or terminate the Plan and any of IBM’s other benefit plans.