ERISA plan documents and SPDs
Included with every AIS benefits program – never billed separately.
ERISA details
What it is
A written plan document plus an SPD
- ERISA welfare plans need a written plan document
- Participants must receive a Summary Plan Description
- A carrier certificate alone is not one
- A "wrap" document pulls insured benefits together
Who it applies to
- Nearly every private-sector employer sponsoring benefits
- Health, dental, vision, life and disability plans
- Church and governmental plans are the main exceptions
What AIS does
- Wrap plan document and SPD produced
- Kept current as plans are added or changed
- Distribution requirements and timing spelled out
Why it matters
A participant or the Department of Labor can request the plan document. Not having one, or handing over a stack of carrier booklets instead, is a finding.
Also included
The other compliance programs
Your Ambassadors for Protection
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