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The Summary Plan Description And Other Information To Which You Are Entitled


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ERISA provides detailed instructions about what must be included in a Summary Plan Description - basically all the information an employee needs to know about the Plan. (For information about required content, click here.)

ERISA also provides employees the easily enforceable right to obtain a copy of the Plan and changes, as well as other Plan documents.

  • Plan administrators are required to give employees a Summary Plan Description within 90 days of when the employee becomes covered under the Plan(s).
  • Employees also have the right to request a copy of the Summary Plan Description at any time while a participant in the Plan.
  • The administrator is required to give you a copy of the Summary Plan Description within 30 days of the date when you request it. If the administrator doesn't give you the requested copy in this time period, it can be liable for severe financial penalties.

There is also other information about the Plan you are entitled to receive.

Since the date you request the plan is important, keep a copy of the request as well as a proof of the date (such as a certified receipt, or notation in a diary if you hand deliver the request.)

For a form letter for requesting a copy of a Summary Plan Description, see: How To Request A Copy Of The Summary Plan Description And Other Plan Documents.

If you do not get a Summary Plan Description on a timely basis, you can complain to the Department of Labor. To locate the nearest Department of Labor office, go to: offsite link

Click on the link for information about: Deniald and A Right Of Appeal

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