Every participant in an ERISA covered plan has the right to the following information:

  • To receive a Summary Plan Description (SPD) which should be a description of the plans' terms in language that is understandable to a layman.
  • To obtain a copy of all governing plan documents from the plan administrator.
  • To obtain a copy of the plan's most recent annual financial statement.

These documents must be requested in writing from the plan administrator, who has 30 days from receipt of the request to answer.