Compliance Documents


DOL Notices

The Summary Plan Description (SPD) is a written document that the plan administrator must provide automatically and free of charge to all participants of an ERISA-covered health benefit plan. The SPD explains what coverage the plan offers, how the plan operates, and the rights and responsibilities of participants and beneficiaries. The SPD, in addition to the written plan document, must be provided to all participants. Carrier certificates do not alone satisfy the requirements of the SPD.

For additional information on the SPD and compliance you may refer to the DOL website:

The Wrap SPD document is used to wrap the required ERISA language around a single policy or plan. For example, the Wrap is used to combine the ERISA language with a medical certificate of coverage (or dental, vision, life, disability). Insurance carriers often include state-mandated provisions regarding coverage but do not always include the required federal ERISA requirements.

In addition to the SPD and Wrap SPD we have included the additional notices required by the DOL which include the Federal Exchange Notice, FMLA, FSLA and ADA. The Health Care Reform law also requires you to provide the standardized Summary of benefits and Coverage to all employees enrolled in your employer sponsored group health plan.