SPD Wrap Document and Get Your Section 125 Plan Document (POP) With Ease and Simplicity

SPD Wrap Requirements

In accordance with the Employee Retirement Income and Security Act of 1974 (ERISA), all employers must have a written Summary Plan Description (SPD) for each separate welfare benefit plan (e.g., medical, dental, 125 plan, life, disability, etc.), informing participants of eligibility requirements, benefits, claims and appeals procedures, and rights under ERISA. 

A Wrap document is a relatively simple document that “wraps” around the insurance policy or coverage certificate/booklet. The benefits available under the plan continue to be governed by the insurance policy or coverage certificate/booklet, while the Wrap document supplements with the information necessary to comply with ERISA.

Although insurance providers may provide some information required for SPD compliance, it is a common mistake by employers to think that the summary insurance information they receive from their insurance provider meets their SPD requirements. A common approach is to combine all SPDs into one overall SPD Wrap notice, tying in the required ERISA language and simplifying the SPD notice process. Use ERISA Solutions to create and manage your SPD Wrap making sure you pass ERISA Audits.

Service includes Summary Material Modifications (SMM) anytime you need to create this notice related to material changes to any of your health and welfare benefit plans.

SPD Wrap Document Services

Documents are emailed

Login anytime to update and receive new documents for distribution or audits.

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In a few easy steps, your documents will be complete. It only takes a few minutes. One- stop document management location.

Documents are Updated on a Regular Basis

Documents are kept up-to-date with legal requirements. We notify you of changes.

Documents are Updated on a Regular Basis

Premium Only Plan Documents (POP) created in less than 30 minutes. Wrap Documents can usually be completed in less than 60 minutes.


Per year

If you are a Broker, we will customize all brochures and handouts with your personal logo so your brand is noticed, not ours.

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