If your account balance (including any rollovers you have made to the plan) is less than $1,000, you or your beneficiary will automatically receive a cash payment of all your account balances (except for amounts in your QINC Transfer Account or Innovex Transfer Account, if any, which may require spousal consent) after you retire, die or otherwise leave the company. However, you may elect to do a direct rollover of this payout beforehand.