To help your clients reduce their employee benefit costs, the Associations are providing complimentary services such as Summary Plan Descriptions and Section 125 Plan documents to all dues paying members.

Summary Plan Descriptions (SPD’s)

ALERT: The Employer Retirement Income Security Act (ERISA) guidelines make it mandatory for all businesses with 2 or more employees to provide employees with a Summary Plan Description (SPD).

We continue to take a leading role in informing and helping our members meet their obligations under ERISA. We offer SPDs at no charge to our members. Types of benefits covered by Summary Plan Descriptions include: Medical, Long Term Disability, Short Term Disability, Life and AD&D and freestanding Dental/Vision.

The adoption agreement is now a compliant document reflecting ALL the Health Care Reform Law changes as of January 2012. These documents are FREE to our members. The cost for non-members is $25. The Benefits SPD adoption agreement is one compliant document rather than 5 different forms

Let us complete your All-Inclusive SPD’s for your clients:

To request an SPD:

• Simply contact our office and our team will work with you or your client
• Download the documents from our secured Agent Pavilion, complete, and return to the Association office.
• The completed Agreement should be emailed in WORD format to info@michbusiness.org for processing.
• The Association will send the completed agreement to you or your client.

Section 125’s

To request your Section 125 for your clients:

• Simply contact our office and our team will work with you or your client.
• The Section 125 Plan has a separate adoption agreement.
• Please follow the same submission instructions as with a SPD.
• The completed Section 125 Plan and supporting documents are normally returned in 2-5 business days.

If you have questions or need assistance, please contact our Membership Services Team at 1-888-277-6464 or 1-586-393-8800.