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Summary Plan Descriptions

Summary Plan Descriptions (SPDs) explain the terms and conditions of your health, welfare and retirement plans, including eligibility, coverage amounts and exclusions.  Please share this information with your family members who are also covered under the applicable plans.

To locate SPDs associated with a specific benefit, click on the benefit below:


COVID-19 Summary of Material Modification - Effective 2020

Summary of Material Modification (SMM)Effective January 1, 2020

Summary of Material Modification (SMM) - Effective January 1, 2019

Summary of Material Modification (SMM) - Effective January 01, 2018

Medical & Pharmacy 



Flexible Spending Accounts (FSAs)



Short Term Disability (STD)

Long Term Disability (LTD)

Life and Accidental Death and Dismemberment

Business Travel Accident

Employee Assistance Program (EAP)

You may request a paper copy of any SPD, free of charge at any time. You also have the right to request previous plan year documents at any time by contacting the HR Service Center at 855-412-3701 or

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