IQVIA reserves the right to amend, modify, suspend or terminate the Health Care Plans, Flexible Spending Accounts, Short-Term and Long-Term Disability Plans, Life Insurance Plan, AD&D Plan, Business Travel Accident Plan, Adoption Plan, Legal Assistance Program, 401(k) Plan, in whole or in part, subject to applicable legal and contractual agreements, at any time and for any reason, regardless of your status at the time of the change.

A decision to terminate, amend or replace these plans may be due to changes in federal law or state laws governing benefits, the requirements of the Internal Revenue Service or ERISA or for any other reason. This may include elimination of or decreases in benefits, changes in plan networks and/or increases in your required contributions for coverage.

The Benefits Committee also may adopt written plan amendments that are necessary to meet the requirements of the Internal Revenue Code, ERISA or any other law, provided these amendments don't significantly change cost or benefit levels.

No plan changes can cause any part of the 401(k) Plan trust fund to be used for purposes other than the benefit of participants or their beneficiaries. Plan changes also cannot deny a participant any right or benefit that the participant is entitled to under the Internal Revenue Code.

Benefits under the Health Care Plans, Flexible Spending Accounts, Short-Term and Long-Term Disability Plans, Life Insurance Plan, AD&D Plan, Adoption Plan, Legal Assistance Program, and Business Travel Accident Plan aren't vested. However, if a plan is terminated or changed, you'll still be paid any benefits you were entitled to receive under the terms of that plan, up to the cancellation date or date of the change. Special rules apply to the 401(k) Plan.

For some of the plans, if the plan is terminated, you may be able to convert or port your coverage to an individual insurance policy. Refer to the description of the specific plan for these privileges.

If the Flexible Spending Accounts are terminated, no further contributions will be made to employee accounts. However, you may continue to submit and be reimbursed for claims for eligible expenses through March 31 following the year in which the plan terminates. For the Health Care FSA, eligible expenses include only those expenses incurred prior to the date the spending account terminated. For the Dependent Care FSA, eligible dependent care expenses incurred through the end of the year in which the Flexible Spending Account terminated can be reimbursed.