All summary plan description (SPD) documents

Note: Information in the 2025 SPD for each plan will vary from the information in the 2024 SPDs. Therefore, the 2024 SPDs should not be relied upon to determine plan benefits effective January 1, 2025. Summary Plan Descriptions for 2025 will be available in 2025.

2025 Summary Plan Descriptions (SPDs)

Medical insurance plans

• Healthy Savings Plan (PDF, 1.9MB)
• Custom Network Plan (PDF, 1.9MB)
• PPO Plan (includes UMKC tiered feature) (PDF, 1.9MB)
• Retiree Healthy Savings Plan (PDF, 1.9MB)
• Retiree Health PPO (PDF, 1.9MB)
• Medicare Advantage Plans (Base and Enhanced) (PDF, 2.5MB)

Dental, vision, tax-favored accounts

• Dental (PDF, 462KB)
• Vision (PDF, 498KB)
• Flexible spending account (PDF, 334KB)

Life and disability insurance

• Basic and Additional Life (PDF, 322KB)
• Dependent Life (PDF, 303K)
• Long Term Disability (PDF, 640KB)
• Short-Term Disability (coming soon)
• Accidental Death and Dismemberment (PDF, 366KB)

Other benefits

• Employee Assistance Program (PDF, 438KB)

Retirement

• Defined Contribution (DC) Plan (PDF, 564KB)
• Hybrid Plan (PDF, 803KB)
• Defined Benefit (DB) Plan (PDF, 681KB)
• Voluntary Retirement Plans (PDF, 627KB)

2024 Summary Plan Descriptions (SPDs)

Medical insurance plans

• Healthy Savings Plan (PDF, 1.6MB)
• Custom Network Plan (PDF, 1.5MB)
• PPO Plan (includes UMKC tiered feature) (PDF, 1.5MB)
• Retiree Healthy Savings Plan (PDF, 1.5MB)
• Retiree Health PPO (PDF, 1.5MB)
• Medicare Advantage Plans (Base and Enhanced) (PDF, 2.5MB)

Dental, vision, tax-favored accounts

• Dental (PDF, 462KB)
• Vision (PDF, 498KB)
• Flexible spending account (PDF, 334KB)

Life and disability insurance

• Basic Life (PDF, 322KB)
• Dependent Life (PDF, 303K)
• Long Term Disability (PDF, 1MB)
• Short-Term Disability (PDF, 271KB)
• Accidental Death and Dismemberment (PDF, 366KB)

Other benefits

• Employee Assistance Program (PDF, 438KB)

Retirement

• Defined Contribution (DC) Plan (PDF, 608KB)
• Hybrid Plan (PDF, 940KB)
• Defined Benefit (DB) Plan (PDF, 788KB)
• Voluntary Retirement Plans (PDF, 685KB)