CAN WORKSITE BENEFITS LIKE ACCIDENT, UNIVERSAL LIFE, AND DISABILITY BE INCLUDED IN AN SPD?

First, you need to decipher whether these are included in the Health and Welfare plan (subject to ERISA) or if they are individualized voluntary policies purchased at the workplace. Worksite policies are frequently individual policies that fall under a safe Harbor, and are therefore not subject to ERISA regulations. If the policies are not subject to ERISA regulations, they do not need to be included in the SPD.