Summaries of Material Modifications (SMMs)

Summaries of Material Modifications (SMMs) describe Plan changes that are not included in the existing Summary Plan Descriptions (SPDs). SMMs are used to communicate material Plan changes or other changes to certain specific information regarding the benefits offered to eligible participants under the applicable benefit Plan. SMMs are provided for informational purposes and are intended to comply with Department of Labor requirements for SMMs. More detailed information on the Plans is provided in the official Plan documents. If there is any conflict between the information in an SPD and/or the SMM of an applicable Plan, the Plan document will govern.