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One of the most important documents participants are entitled to receive automatically when becoming a participant of an ERISA-covered retirement or health benefit plan or a beneficiary receiving benefits under such a plan, is a summary of the plan, called the summary plan description or SPD. The plan administrator is legally obligated to provide to participants, free of charge, the SPD. The summary plan description is an important document that tells participants what the plan provides and how it operates. It provides information on when an employee can begin to participate in the plan, how service and benefits are calculated, when benefits becomes vested, when and in what form benefits are paid, and how to file a claim for benefits. If a plan is changed, participants must be informed, either through a revised summary plan description, or in a separate document, called a summary of material modifications, which also must be given to participants free of charge


Low Chance 0 to High Chance 3


  1. How likely are you to fall asleep sitting and reading?

  2. Watching TV?

  3. Sitting in a public place. For example, a theatre or meeting?

  4. Lying down to rest in the afternoon?

  5. Sitting and talking to someone?

  6. Sitting quietly after lunch (when you have had no alcohol)?

  7. In a car, while stopped in traffic?

  8. Total:

START SLEEPING BETTER TODAY!


If your total adds up to 10 or more you are enduring excessive daytime sleepiness and should seek the advice of a sleep specialist without delay. For further information regarding the Advanced Sleep Center call 512-238-7777.