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Communicating Changes to Your Plan

This page covers the following topics:

  • Overview 
  • ERISA Notice Requirements 
  • Summary of Benefits and Coverage (SBC) Notice Requirements  


The Employee Retirement Income Security Act (ERISA) generally allows a group health plan to modify its benefit plan so long as the procedure followed is consistent with the plan terms and ERISA. The plan administrator must inform participants of material modifications to the plan or changes to the information contained in the summary plan description (SPD) by providing them a summary of material modifications (SMM) or a revised SPD. Additional notices are required under Health Care Reform in connection with the summary of benefits and coverage (SBC).

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