Author: ADP Admin/Tuesday, February 3, 2026/Categories: Bulletin News
We have some exciting news to share: the updated Summary Plan Description (SPD) is now live online!
<img width="149" height="40" src="data:image/png;base64,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" alt="A red rectangle with white text AI-generated content may be incorrect." v:shapes="Picture_x0020_1" style="border-width: 0px; border-style: solid;" />
Take a moment to review the latest additions to the SPD—it’s packed with essential information to help your employees make the most of what’s available, so you can make informed decisions that align with your business and benefits needs.
Why is knowing the SPD so important? Think of the SPD as your employees go-to guide for navigating employer-sponsored benefits. It includes everything from basic plan information, rights and eligibility requirements, to how to navigate the appeals process – the more you know, the better equipped you’ll be to elevate the way you do business.
So, take a moment to check out what’s new in the SPD – and as always, we’re here for support so you feel confident in navigating your benefits.
Number of views (251)/Comments (0)
Virginia has enacted legislation (House Bill 622) that prohibits employers from retaliating against employees for discussing their wages. House Bill 622 takes effect July 1, 2020.
> Read more
The New York State Department of Labor (NYSDOL) has adopted an emergency rule that requires employers to provide an unemployment insurance notice to employees whose work schedule and/or employment status is impacted by COVID-19.
Maryland has enacted legislation (House Bill 1202) that will prohibit employers from using facial recognition services during an interview unless the applicant consents. House Bill 1202 takes effect Oct. 1, 2020.
Maryland has enacted legislation (House Bill 1444) that will expressly prohibit employers from discriminating against individuals because of hair texture and protective hairstyles. House Bill 1444 takes effect Oct. 1, 2020.