TIMING: WHEN ELIGIBLE

These notices and disclosures are typically provided to employees on or before the date they are eligible to enroll.

Often included in enrollment materials.

This requirement may also be satisfied by including the information in the Summary Plan Description ONLY if given to all eligible employees.

Open List of Notices & Disclosures

 

TIMING: UPON ENROLLMENT

These notices and disclosures are typically provided to employee participants and/or beneficiaries when they enroll in the health plan.

Often included in the Summary Plan Description (SPD). The SPD has specific distribution requirements not listed below.

Summary Plan Description Distribution Requirements: SPD must be provided to participants within 90 days of coverage. An updated SPD must be furnished every 5 years if the plan is amended or every 10 years if it is not. A notice or new SPD must be provided when there is a material change to the plan. Email and other Internet-based methods that comply with the DOL safe harbor can be used to distribute the SPD electronically.

Open list of notices and disclosures

 

TIMING: ANNUALLY

These notices and disclosures are typically provided to employee participants and/or beneficiaries on an annual basis.  Generally, the notices can be provided at any time during the year unless specified below.

Note: If an employee’s employment date occurs after the distribution of an annual notice, the employee should be given the notice upon enrollment.

Open List of Notices & Disclosures

 

TIMING: EVENT-BASED

These notices and disclosures are typically provided to employee participants and/or beneficiaries upon the occurrence of certain events.

Open List of Notices & Disclosures

Please visit your Client Resource Center for Model Templates for each notice and disclosure.