Summary Plan Descriptions (SPDs)

Summary Plan Descriptions (SPDs) are summaries of the benefits offered eligible participants under the applicable benefit Plan. SPDs are provided for informational purposes and are intended to comply with Department of Labor requirements for summary plan descriptions (SPDs). More detailed information is provided in the official Plan documents. If there is any conflict between the information in an SPD and the applicable Plan, the Plan document will govern.

We are currently in the process of updating the SPDs. The latest versions are posted here, but please review the annual open enrollment materials in Enroll in Your Benefits and in the Archives for your plan’s most recent benefit changes.

If you have questions about your benefits, you can also log on to the Your Benefits Resources website or call the Nokia Benefits Resource Center.

Reminder: When reviewing some of the SPDs listed below, please note that the address for the Your Benefits Resources (YBR) website has changed. To access the YBR website, log on to