January 2026
 

State Updates

Explore the Newly Updated Summary Plan Description: Your Central Guide to Benefits

02/05/26

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 (1)/Comments (0)

Tags: 02/05/26

Recent State Updates

 

© Copyright 2016 ADP LLC. 10200 Sunset Drive | Miami, FL 33173

You are receiving this email because you are a client of ADP TotalSource. ADP, the ADP logo, and Always Designing for People are trademarks of ADP, Inc. All other marks are the property of their respective owners. Copyright © 2025 ADP, Inc.