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How to use a Summary Plan Description (Updated Oct 19, 2021.)  Contact the HPAA volunteers: info@hpalumni.org

For details of an employer retirement or health plan, obtain a copy of the legal Summary Plan Description ("SPD") -- either by logging into your account on the plan administrator's website or by calling the plan administrator's phone center. They are required by law to provide your SPD upon request. The SPD takes precedence over any other written, online, or verbal information you may be given. 

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.)

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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If you were formerly a regular, direct employee of HP or HPE -- or are in the process of leaving -- join the HP Alumni Association. Membership is also open to heirs with HP-related stock and to those receiving company benefits -- spouses, partners, dependents, DEC and EDS retirees. No charge, thanks to HPAA members.

As financial, legal, and personal advice must be tailored to the specific circumstances of each case, and finances and laws are constantly changing, nothing provided here should be used as a substitute for the personalized advice of competent financial, legal, and personal advisors.


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