Summary Plan Descriptions (SPDs)
Find Summary Plan Descriptions (SPDs), plan details, Evidence of Coverage, and Certificates of Coverage for your BMO benefits here.
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Active EmployeeHealth & Welfare SPD
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RetireeHealth & Welfare SPD
Wrap SPD
This document consolidates all of our company’s health and welfare benefit plans into a single, easy-to-use resource. It “wraps” the separate benefit booklets, certificates, and plan details you receive from our insurance carriers and claims administrators into one comprehensive SPD. The SPD includes this document along with the official benefit booklets, plan details, and certificates listed below, which explain how each specific benefit works. Together, they form the full, ERISA-compliant SPD for BMO plans.
Medical – Blue Cross Blue Shield of Illinois
Prescription Drug (for BCBS plans)- Express Scripts
Medical – Kaiser Permanente
HDHPs
- Kaiser Permanente Colorado HSA Evidence of Coverage
- Kaiser Permanente S. California HSA Evidence of Coverage
- Kaiser Permanente N. California HSA Evidence of Coverage
- Kaiser Permanente Northwest HSA Evidence of Coverage
DHMOs
- Kaiser Permanente Colorado DHMO Evidence of Coverage
- Kaiser Permanente S. California DHMO Evidence of Coverage
- Kaiser Permanente N. California DHMO Evidence of Coverage
- Kaiser Permanente Northwest DHMO Evidence of Coverage
Delta Dental of Illinois
VSP Vision
EAP TELUS Health
Healthcare FSA & Limited Purpose FSA
Dependent Care FSA
Health Savings Account
Commuter Benefits
ReliaStar Life Insurance Company (administered by Voya)
Short-Term Disability
Long-Term Disability
Voya Voluntary Benefits
- Accident: Accident Insurance Certificate of Coverage
- Critical Illness: Critical Illness Insurance Certificate of Coverage
- Hospital Indemnity: Hospital Indemnity Insurance Certificate of Coverage
Business Travel Accident Insurance
- AIG Business Travel Accident Insurance Policy
- AIG Business Travel Accident Insurance Policy Schedule
ARAG Legal
Wrap SPD
This document consolidates all of our company’s health and welfare benefit plans into a single, easy-to-use resource. It “wraps” the separate benefit booklets, certificates, and plan details you receive from our insurance carriers and claims administrators into one comprehensive SPD. The SPD includes this document along with the official benefit booklets, plan details, and certificates listed below, which explain how each specific benefit works. Together, they form the full, ERISA-compliant SPD for BMO plans.
Medical – Blue Cross Blue Shield of Illinois
Prescription Drug (for BCBS plans)- Express Scripts
Medical – Kaiser Permanente
HDHPs
- Kaiser Permanente Colorado HSA Evidence of Coverage
- Kaiser Permanente S. California HSA Evidence of Coverage
- Kaiser Permanente N. California HSA Evidence of Coverage
- Kaiser Permanente Northwest HSA Evidence of Coverage
DHMOs
- Kaiser Permanente Colorado DHMO Evidence of Coverage
- Kaiser Permanente S. California DHMO Evidence of Coverage
- Kaiser Permanente N. California DHMO Evidence of Coverage
- Kaiser Permanente Northwest DHMO Evidence of Coverage