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HPInc and HPE Summary Plan Descriptions (Updated Oct 2, 2020.)  Contact the HPAA volunteers: info@hpalumni.org 

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.)

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

HPE (Hewlett Packard Enterprise Company)

Complete directory of two dozen SPDs on a public page: https://ah-prod.com/hpebennav/plan_documents.html

HPInc (Formerly Hewlett-Packard Company)

401(k) Plan:   Documents downloaded by members on July 6, 2020:  HP 401(k) Plan Summary Plan Description - 2017    2020 Summary of Modifications to 401(k) SPD

"EDS Retirement Plan Summary Plan Description" (the "SPD") -- with many key details, including annual interest credit, QDRO, and surviving spouse provisions.

There are at least two vintages of the EDS plan. Download the SPD from Fidelity that specifically applies to you -- based on when you left EDS.

For example, the "Updated as of January 2012" copy of the SPD does not apply if you left EDS before July 1, 1998. 
It says on page 1: "Benefits for participants who terminated from EDS before July 1, 1998 are subject to separate provisions not described in this SPD. For more information about these benefits, contact the HP Retirement Services Center."

"Your Summary Plan Descriptions (SPDs) describe key features of the benefits available to you as an eligible HP retiree. You may qualify for benefits under one or more of the programs described in the SPDs, depending on your circumstances.

"The SPDs also include a directory of benefit resources, information about what happens when you experience certain changes in your life, and information about your rights under the programs. In the event of any inconsistency between the SPDs and the terms of the plans or programs, the terms of the plans or programs will control.

"To request a printed copy of an SPD, please call the HP Benefits Center at 1-800-890-3100."

SPDs are also posted on the official "HP Continuum" password-protected retiree website operated by HPInc. See https://www.hpalumni.org/Continuum for instructions on how to join HP Continuum.

Once you are a member of Continuum, go to this page for the SPD documents: https://www.hpcontinuum.com/plan-descriptions

Retiree Plans:
- HP Pre-2003 Retiree Plan SPD
- HP Retiree Plan SPD
- Compaq Retiree Plan SPD
- Digital Retiree Plan SPD

Medical Plan Detail SPDs for all Retiree Plans
- UnitedHealthcare Medical SPD
- Aetna Medical SPD
- Anthem BCBS Medical SPD
- Cigna Medical SPD
- Tufts Medical SPD for Pre-medicare retirees
- HMO Blue of Texas Medical SPD
- Harvard Pilgrim Medical SPD for Pre-medicare retirees
- HP Prescription Drug Program SPD for Pre-medicare retirees
- HP Mental health and substance use disorder program SPD
- UnitedHealthcare MedicareRx Summary of Benefits
- UnitedHealthcare MedicareRx Evidence of Coverage

- HP Retirement Medical Savings Account SPD
- HP Retirement Plan and Deferred Profit Sharing Plan SPD
- HP Cash Account Pension Plan SPD
- HP 401(k) Plan SPD
- EDS Retirement Plan SPD

How to decode an SPD. (For example, many of the postal contact addresses given in SPDs are extinct.)  Decoding SPDs

The Hewlett-Packard Alumni Association is operated by former employees who volunteer their time. Not officially endorsed or supported by any company.

For more mutual help on this topic and many others, join the independent HP Alumni Association. If you were formerly a regular, direct employee of HP, HPInc, or HPE -- or are in the process of leaving -- join the HP Alumni Association. 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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