In accordance with the Employee Retirement Income and Security Act of 1974 (ERISA Solutions), all employers must have a written Summary Plan Description (SPD) for each separate welfare benefit plan (e.g., medical, dental, 125 plan, life, disability, etc.), informing participants of eligibility requirements, benefits, claims and appeals procedures, and rights. Although insurance providers may provide some information required for summary plan description compliance, it is a common mistake for employers to think that the summary insurance information they receive from their insurance provider meets their summary plan description requirements.
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