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Physician Contract Glossary · Benefits & Leave

SPD (Summary Plan Description)

A Summary Plan Description is the official document explaining how an employee benefit plan works and what your rights are.

The Summary Plan Description is the federally required document that explains a benefit plan in detail: eligibility, contributions, vesting, how to file claims, and your rights under the plan. Your contract may reference benefits in a sentence, but the SPD is where the real terms live. It is the document that tells you what your retirement match, health plan, or disability coverage actually promises.

WHAT TO WATCH FOR

Ask for the SPDs for any plan that matters to you before you sign, not after. The one-line benefit summary in a contract can gloss over vesting schedules and exclusions that the SPD spells out in full.

Related terms

Stop being recruited. Start choosing.

You are about to sign something the senior people in your program signed without reading.

They had no guide either. You do. Start with the option that costs you nothing: see every practice that is actually out there before anyone hands you a contract.

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