Q. What is the Summary Plan Description?
A. The Summary Plan Description, or SPD, is a booklet containing all of the important information each enrolling employee needs to have. The SPD describes the insurance in detail. It also provides important information about the plan’s administration, especially those parts of the program that can have an effect on someone’s coverage (for example, what happens if the employee misses a premium payment). Enrolled employees should keep their SPD in a safe place so that it’s always available to them whenever they have questions.

Q. Can someone get another SPD?
A. Should an employee lose their SPD, you may give them another copy.

Q. What do I do about new employees?
A. The same Employee Brochure and Enrollment Form would be given to the new employee. The new employee would have 31 days from the date of hire to make a decision.

Q. What happens if an employee wants to change coverage?
A. There are a variety of circumstances that allow an employee to make a change to the coverage (for example, getting married). You will receive a supply of Life Event Change Forms which allow the employee to make any acceptable changes. You should be able to answer any specific employee questions.

Q. Can employees get premiums back if they change their mind?
A. No.