ERISA Disclosure Requirements: Key Questions

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Selected ERISA disclosure requirements

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Wednesday Wisdom

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ERISA Disclosure Requirements: Key Questions


ERISA Disclosure Requirements: Key QuestionsOnline version Selected ERISA disclosure requirements by Wednesday Wisdom 1 Which of the following best describes an ERISA Plan Document? a An evidence of coverage (EOC) or certificate of coverage (COC) issued by the insurance carrier. b A formal written document that outlines the plan’s rules, administration, and fiduciary details. c A formal written document never required to be provided to participants. 2 When must a Summary Plan Description (SPD) generally be provided to a newly enrolled participant? a Within 90 days of enrollment. b Within 14 days of hire. c Within 30 days of enrollment. d Every year after open enrollment if there were benefit changes. 3 What is the purpose of a Summary of Material Modification (SMM)? a To replace the need to update the Summary Plan Description. b To explain an employees' rights when a claim is denied. c To notify participants of significant plan changes or amendments. 4 When must a Summary of Material Reduction (SMR) be distributed after a reduction in health benefits (e.g., higher copays)? a Within 30 days of adopting the reduction in health benefits. b Within 60 days of adopting the reduction in health benefits. c Within 210 days after the plan year in which the changes occur. d Within 90 days of adopting the reduction in health benefits. 5 What is a Summary Annual Report (SAR)? a A detailed explanation of an employee's benefit usage. b A report filed with the DOL 7 months after the end of the plan year. c An annual report notifying participants of plan changes or amendments. d A summary of the plan’s Form 5500 filing and notice that it’s available upon request. 6 When must a Summary of Benefits and Coverage (SBC) be provided upon request? a Within 30 days. b Within 14 business days. c Within 30 business days. d Within 7 business days. 7 Which document helps participants compare health plans “apples to apples”? a Summary Plan Description b Summary of Benefits and Coverage c Summary Annual Report d Evidence of Coverage/Certificate of Coverage 8 Under ERISA electronic disclosure safe harbor rules, electronic delivery is generally permitted when: a The employer thinks the employee probably doesn’t want paper. b The employer provides computer 'kiosks' for employees to check email. c The employer posts a notice on their breakroom bulletin board to check their personal email for information. d The employee has work-related computer access integral to their job or consents to electronic delivery.

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ERISA Disclosure Requirements: Key Questions

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ERISA Disclosure Requirements: Key QuestionsOnline version

by Wednesday Wisdom

Which of the following best describes an ERISA Plan Document?

When must a Summary Plan Description (SPD) generally be provided to a newly enrolled participant?

What is the purpose of a Summary of Material Modification (SMM)?

When must a Summary of Material Reduction (SMR) be distributed after a reduction in health benefits (e.g., higher copays)?

What is a Summary Annual Report (SAR)?

When must a Summary of Benefits and Coverage (SBC) be provided upon request?

Which document helps participants compare health plans “apples to apples”?

Under ERISA electronic disclosure safe harbor rules, electronic delivery is generally permitted when: