State law generally dictates benefits that must be covered for the state in which an insurance certificate is issued. ERISA-required verbiage and/or other general provisions contained within an SPD are rarely outlined on a certificate of insurance.
ERISA Documents Inc. will create a “wrap” document along with a Summary Plan Description to incorporate your insurance certificate of coverage. This will ensure that employees receive ERISA-required verbiage along with any additional information pertaining to their rights and obligations under the plan.
