Summary Plan Descriptions

The following Summary Plan Descriptions (SPD) together with the Evidence of Coverage (EOC) provided by the insurance carriers, plan summaries, enrollment announcements and other communications provided by the Company, is intended to comply with Department of Labor requirements and the disclosure requirements of the Employee Retirement Income Security Act of 1974 (ERISA).

Legally Required Notices

The SPDs  do not alter the benefits offered to you as described in the materials provided by your individual insurance carriers. If you have questions regarding the specific benefits offered by a particular insurance carrier, you should contact the insurance carrier directly.