Summary Plan Descriptions

The Summary Plan Description (SPD) contains a general description of the retirement benefits provided under each Plan.

In accordance with UMPERSA Regulations, the SPDs are updated and prepared every 5-years. Current publications are dated December 2021.

The Plan Document may be amended from time-to-time. A Summary of Material Modifications (SMM) is issued at the end of each fiscal year if changes were made to the Plan Document and SPD. These notices inform you of changes to the Plan. All SMMs should be read carefully in conjunction with the SPD.

You should contact the ERS if you have any questions or would like to request a hard copy of the SPD or SMM.