Page 23 - XPO 2020 Open Enrollment Guide

Important Legal Information
The company reserves the right to revise or delete this program, the plans or any benefits described here. If there is any discrepancy between the information included here and the official plan documents or contracts, the official document or contracts will decide plan provisions and how benefits are paid. The program, plans and benefit provisions do not create a contract of employment, expressed or implied. Notwithstanding any provision in this brochure, employment is at-will employment, unless a written agreement states otherwise.
Where We Got Our Statistics
1. Pew Research Center (June 12, 2019) Internet/Broadband Fact Sheet. Retrieved from http://www.pewinternet.org/fact-sheet/internet-broadband/.
2. Pew Research Center (June 12, 2019) Mobile Fact Sheet. Retrieved from http://www.pewinternet.org/fact-sheet/mobile/.
3. Society for Human Resource Management (SHRM), Miller, S. (May 31, 2017) HSA Enrollment Rises but Misunderstanding Still Common. Retrieved from https://www.shrm.org/resourcesandtools/hr-topics/benefits/ pages/hsa-enrollment-rises-as-employer-contributions-fall.aspx.
4. Society for Human Resource Management (SHRM), Miller, S. (February 9, 2018) High-Deductible Plans More Common, but So Are Choices. Retrieved from https://www.shrm.org/resourcesandtools/hr-topics/benefits/pages/ high-deductible-plans-more-common-but-so-are-choices.aspx.