Notice & DisclosureRecurring
Summary Plan Description (SPD)
ERISA § 102; 29 CFR §§ 2520.102-2, 2520.102-3
Primary document informing participants of plan benefits, rights, and obligations. Must be written for average participant.
ResponsibleMedical Carrier/TPA
Deliver ToParticipants; Beneficiaries receiving benefits
DeadlineWithin 90 days of coverage; 120 days after becoming subject to ERISA; every 5 yrs (amended) or 10 yrs (unamended)
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