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A Summary Plan Description (SPD) is a document that employers must give free to employees who participate in Employee Retirement Income Security Act-covered retirement plans or health benefit plans.
summary plan description The plan administrator is legally obligated to provide to participants, free of charge, the SPD. The summary plan description is an important document that tells participants what the plan provides and how it operates. Plan Information | U.S. Department of Labor U.S. Department of Labor (.gov) Health Plans and Benefits U.S. Department of Labor (.gov) Health Plans and Benefits
A Summary Plan Description (SPD) is a document that employers must give free to employees who participate in Employee Retirement Income Security Act-covered retirement plans or health benefit plans. The SPD is a detailed guide to the benefits the program provides and how the plan works. Summary Plan Description: What it is, How it Works - Investopedia investopedia.com terms summary-plan-d investopedia.com terms summary-plan-d
The plan document provides more detail than the SPD and should be referred to when administering the plan. Confusion often arises for employers with fully insured plans as the insurance carrier does not provide the ERISA plan document or the SPD. This is the responsibility of the plan administrator.
Summary Plan Descriptions (SPDs) are documents that include all of the important information that employers and plan participants need to know about their benefit plan.

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The summary plan description (SPD) is simply a summary of the plan document required to be written in such a way that the participants of the benefits plan can easily understand it. Unlike the plan document, the SPD is required to be distributed to plan participants.
WHAT IS A PLAN DOCUMENT? The plan document describes the plans terms and conditions related to the operation and administration of the plan. What Is A Plan Document? - ErisaPros ErisaPros FAQs ErisaPros FAQs
The EOC/COI is your plan document. This booklet will explain in full all the terms of your plan coverage, the benefits, copays or coinsurance, exclusions, limitations and how to access coverage. Your evidence of coverage (EOC) or Certificate of insurance (COI) blueshieldca.com member plansupport blueshieldca.com member plansupport
Unless requested, an SPD does not need to be provided separately to dependents of a covered employee or to employees who are not covered, although it is a good idea to do so. An SPD should be delivered to participants within 90 days after they become covered, whether they request it or not.
These benefits typically include medical insurance, dental and vision coverage, life insurance and retirement planning, but there can be many more types of benefits and perks that employers choose to provide to their teams. Many of the benefits employers provide are only available for full-time employees.

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