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Where Can I Get Information About My Plan Benefits?

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ERISA requires employers to provide written plan documents to explain the terms of any benefit plan.  Plan documents are any documents or instruments under which a benefit plan is established or maintained.  In addition, a benefit plan administrator is required to distribute a summary plan description (also known as an SPD), which is a summary of the plan document.  An SPD must contain all the material terms of the plan, including how to submit claims and any procedure regarding internal appeals.  When you make a written request for the plan documents to the plan administrator, he or she has 30 days to provide you with all of the documents.

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