_:nf30bebc161dd4bea988d6874765e1b52xb0
<http://schema.org/description>
"[vc_row css_animation=&quot;&quot; row_type=&quot;row&quot; use_row_as_full_screen_section=&quot;no&quot; type=&quot;full_width&quot; angled_section=&quot;no&quot; text_align=&quot;left&quot; background_image_as_pattern=&quot;without_pattern&quot; z_index=&quot;&quot; padding_bottom=&quot;30px&quot;][vc_column][qode_accordion style=&quot;toggle&quot;][qode_accordion_tab title=&quot;Who Does This Impact?&quot; title_tag=&quot;h5&quot; icon_pack=&quot;font_awesome&quot; icon=&quot;fa-user-o&quot;][vc_column_text]Group health plans and health insurers[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=&quot;Due Date Details&quot; title_tag=&quot;h5&quot; icon_pack=&quot;font_awesome&quot; icon=&quot;fa-calendar-check-o&quot;][vc_column_text]&lt;strong&gt;For groups that conduct open enrollment, &lt;/strong&gt;this is to be provided annually with your open enrollment materials.    &lt;strong&gt;For groups that do not conduct open enrollment, &lt;/strong&gt;this is to be provided 30 days prior to the start of the plan year    Of note, the SBC must also be provided to special enrollees within 90 days of enrollment and within 7 business days of a request from a participant or beneficiary.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=&quot;Filing Requirement(s)?&quot; title_tag=&quot;h5&quot; icon_pack=&quot;font_awesome&quot; icon=&quot;fa-envelope-o&quot;][vc_column_text]&lt;b&gt;No filing requirement.&lt;/b&gt;[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=&quot;Who Gets It?&quot; title_tag=&quot;h5&quot; icon_pack=&quot;font_awesome&quot; icon=&quot;fa-crosshairs&quot;][vc_column_text]Plan participants and beneficiaries[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=&quot;Get The Details&quot; title_tag=&quot;h5&quot; icon_pack=&quot;font_awesome&quot; icon=&quot;fa-list-ol&quot;][vc_column_text]  &lt;ul&gt;    &lt;li&gt;Plans must provide a summary of plan benefits, coverage and cost-sharing arrangements, including exceptions, reductions, limitations and continuation of coverage information.&lt;/li&gt;    &lt;li&gt;The summary &lt;strong&gt;may not exceed&lt;/strong&gt; four double-sided pages&lt;/li&gt;    &lt;li&gt;This notice must be provided in addition to all other notices  &lt;ul&gt;    &lt;li&gt;SPD&lt;/li&gt;    &lt;li&gt;Summary of Material Modifications (SMM)&lt;/li&gt;    &lt;li&gt;Summary of Material Reduction in Covered Services/Benefits (SMR)&lt;/li&gt;  &lt;/ul&gt;  &lt;/li&gt;  &lt;/ul&gt;  [/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=&quot;Is There a Template Available To Help Me?&quot; title_tag=&quot;h5&quot; icon_pack=&quot;font_awesome&quot; icon=&quot;fa-file-o&quot;][qode_button_v2 type=&quot;simple&quot; target=&quot;_blank&quot; icon_pack=&quot;font_awesome&quot; icon=&quot;fa-arrow-circle-o-right&quot; text=&quot;DOL Summary of Benefit (SBC) Templates (source: DOL)&quot; link=&quot;https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/affordable-care-act/for-employers-and-advisers/summary-of-benefits&quot;][vc_empty_space height=&quot;10px&quot;][vc_column_text]The Department of Labor has assembled resources to assist in meeting this requirement, include Microsoft Word templates. Please note, these templates reflect the new requirements for 2021 and must be used for any plan year beginning on or after January 1, 2021.[/vc_column_text][/qode_accordion_tab][/qode_accordion][vc_empty_space][/vc_column][/vc_row]"
<https://clearpathbenefits.com/2013/02/01/combating-fraud/>