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How to decode a Summary Plan Description (Updated Sep 16, 2020.)  Contact the HPAA volunteers: info@hpalumni.org 

How to find the legal "Summary Plan Description" documents if you don't have a copy: 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: Even if you have a paper copy -- get a pdf copy from the plan administrator. It is very helpful to use Adobe Reader's search feature to find specific words or phrases in a pdf file. (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.)

QDRO Provisions

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/

Contact Addresses

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.
QDRO Consultants
3071 Pearl Road
Medina, OH 44256

HP Retirement Services Center -- actually Fidelity -- valid as of Sep 12, 2020.
P.O. Box 770003
Cincinnati, OH 45277-0070

ERISA eligibility claims -- may be bad address:
Plan Administrator
Hewlett-Packard Company
Welfare Plan Claims
P.O. Box 962
San Marcos, TX 78667-0962


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