Wrap Documents for Welfare Benefit Plans

ERISA requires welfare benefit plans, such as group health plans, to have a plan document and an SPD. In most cases, the certificate or booklet provided by an insurance carrier (or other third party) does not satisfy ERISA’s requirements for plan documents and SPDs. This Compliance Overview explains how employers may use wrap documents in conjunction with the insurance certificate or booklet in order to satisfy ERISA’s plan document and SPD requirements.

Wrap Documents for Welfare Benefit Plans