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How to decode a Summary Plan Description (Updated Sep 16, 2020.) Contact the HPAA volunteers: email@example.com
For details of a retirement plan, obtain a copy of the legal "Summary Plan Description" -- usually by logging into your account on the plan administrator's website. Decoding SPDs
How to find the legal "Summary Plan Description" documents for HPInc and HPE: Finding SPDs
Study the SPD very carefully.
The SPD is a legal document that takes precedence over any other written, online, or verbal information you may be given. (But is still subject to change.)
The plan administrator is required by law to make the appropriate SPD available -- upon request. (The mailing about the 2020 EDS lump-sum pension buyout offer did not include the SPD -- which covers many key details, including annual interest credit, QDRO, and surviving spouse provisions.)
Tip: Get a pdf copy from the plan administrator. Even if you have a paper copy, much easier to use if you download the current copy and use Adobe Reader's search feature to find specific words or phrases. (To search for a word or phrase in a pdf file, press Ctrl and F together on a PC -- or Command and F on a Mac.)
If your situation involves a Qualified Domestic Relations Order, watch for references in the SPD -- including a specialist benefits administration company for QDRO issues that is listed in the last section of the SPD. No phone number for QDRO Consultants in the HP SPDs, but the company's website -- https://qdros.com -- gives 1-800-527-8481.
Email contact page: https://qdros.com/contact/
The legally-required postal contact addresses for claims and appeals are given in the last section of any SPD -- including deadlines..
1. Assume that any postal address given for HP is extinct. (For example, Hanover St in Palo Alto, Pruneridge Ave in Cupertino, and Legacy Dr in Plano have all been sold.)
Mailstops will be bad. Department names should still be valid. Theoretically, postal mail is forwarded -- but there is always a chance that a letter will be delayed or lost.
HPInc corporate headquarters address and phone -- get current address at: http://www8.hp.com/us/en/contact-hp/office-locations.html
HPE Hewlett Packard Enterprise corporate headquarters address and phone -- get current address at: https://www.hpe.com/us/en/contact-hpe.html
2. Outsourcer and supplier addresses.
The administrator for
Qualified Domestic Relations Orders -- valid as of Sep 12, 2020.
HP Retirement Services
Center -- actually Fidelity -- valid as of Sep 12, 2020.
ERISA eligibility claims --
may be bad address:
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