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Date: Mon, 16 Apr 2018 11:31:39 +0000 (UTC)
From: "Barbara McKay" <bmckay1689@instantbusinessresources.com>
Mime-Version: 1.0
Reply-to: bmckay@westchesterbenefit.com
To: "Susan Crawford" <DAVID@TRANSOCEAN.COM>
Message-ID: <ZxRUdqokSrCDGHyohThgJg@ismtpd0027p1mdw1.sendgrid.net>
Subject: Wrap Documents for Welfare Benefit Plans
Importance: Normal
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 Content preview:  Hi Susan,I thought this information would interest you. Please
    let me know if you need anything or have any questions. Thanks,Barbara McKay
    Wrap Documents for Welfare Benefit PlansERISA requires... Having trouble
   viewing this email? Please view in browser [...] 
 
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                              for more information.
                             [URIs: instantbusinessresources.com]
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<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.=
w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"><html xmlns=3D"http://www.w3.=
org/1999/xhtml"><body><style>.preheader {0}</style><span style=3D"display: =
none !important; visibility: hidden; mso-hide:all; font-size:1px; color:#ff=
ffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow: hidde=
n;">&nbsp;&nbsp;&nbsp;Hi Susan,I thought this information would interest yo=
u. Please let me know if you need anything or have any questions.&nbsp;Than=
ks,Barbara&nbsp;McKay&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Wrap Documents for Welfa=
re Benefit PlansERISA requires...</span><table width=3D"100%" colspacing=3D=
"0" cellspacing=3D"0"><tr height=3D"20"><td style=3D"font-family:Arial; fon=
t-size:14; color:#545454">Having trouble viewing this email? Please <a href=
=3D"http://email.instantbusinessresources.com/wf/click?upn=3Duk1nOy6jO32Jc9=
pnqU1tG5w-2F-2FhSsImW5CJWBmjTY4yte-2FJlFU72Zj7jPdmhsDm-2B4WUNMqqgIytNiClGak=
7AVtb88KolJ8-2FFLXsPsU6xG4BM-3D_nE9rxSXA5G4kxsTVkgv43ohFG4jIUovcwIMxOTNIMKM=
yCGWYiWIiefaSR2f2UY1Nc2us4v-2B4CmUAcTUZ37S9tr0P8PSARfkalmnZ36K5fEXaQw5HLm2d=
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-2BsnNwvMvLNxDVzlD6CMYh5NIY2gzL9KblMbUGxvIajJMRsHxU11O-2FbxFYORH4yA-3D-3D">=
view in browser</a></td></tr><tr><td><!DOCTYPE html PUBLIC "-//W3C//DTD XHT=
ML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transition=
al.dtd"><html xmlns=3D"http://www.w3.org/1999/xhtml"><body>        <style t=
ype=3D"text/css">
            img {
                vertical-align: middle;
            }
            p {
                margin: 5px 0;
            }
            table {
                line-height: 20px;
                font-family: Arial, Lucida, sans-serif;
                font-size: 14px;
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            td {
                vertical-align: top;
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        </style><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" sty=
le=3D"width: 100%;background-color: #f1f1f1;line-height: 20px;font-family: =
Arial, Lucida, sans-serif;font-size: 14px;"><tr><td style=3D"vertical-align=
: top;">                <table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 100%;line-height: 20px;font-family: Arial, Lucida, s=
ans-serif;font-size: 14px;">
                        <tr>
                            <td style=3D"vertical-align: top;">&nbsp;</td>
                        </tr>
                    </table><table align=3D"center" border=3D"0" cellpaddin=
g=3D"0" cellspacing=3D"0" style=3D"width: 600px;margin: 0 auto;background-c=
olor: #ffffff;line-height: 20px;font-family: Arial, Lucida, sans-serif;font=
-size: 14px;"><tr><td style=3D"vertical-align: top;"><table border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" style=3D"word-wrap: break-word; table-lay=
out: fixed; width: 100%;line-height: 20px;font-family: Arial, Lucida, sans-=
serif;font-size: 14px;"><tr><td style=3D"vertical-align: top;"><table borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"word-wrap: break-word;=
 table-layout: fixed; width: 100%;line-height: 20px;font-family: Arial, Luc=
ida, sans-serif;font-size: 14px;"><tr><td style=3D"height: 20px;vertical-al=
ign: top;">&nbsp;</td></tr></table></td></tr><tr><td style=3D"vertical-alig=
n: top;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"w=
ord-wrap: break-word; table-layout: fixed; width: 100%;line-height: 20px;fo=
nt-family: Arial, Lucida, sans-serif;font-size: 14px;"><tr><td style=3D"wid=
th: 20px;vertical-align: top;">&nbsp;</td><td style=3D"vertical-align: top;=
"><p style=3D"margin: 5px 0;"><p>Hi <span style=3D"line-height: 20.79999923=
70605px;">Susan</span>,</p>

<p>I thought this information would interest you. Please let me know if you=
 need anything or have any questions.</p>

<p>&nbsp;</p>

<p>Thanks,</p>

<p><span style=3D"line-height: 20.7999992370605px;">Barbara&nbsp;</span><sp=
an style=3D"line-height: 20.7999992370605px;">McKay</span></p>
</p></td><td style=3D"width: 20px;vertical-align: top;">&nbsp;</td></tr></t=
able></td></tr><tr><td style=3D"vertical-align: top;"><table border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" style=3D"word-wrap: break-word; table-la=
yout: fixed; width: 100%;line-height: 20px;font-family: Arial, Lucida, sans=
-serif;font-size: 14px;"><tr><td style=3D"height: 20px;vertical-align: top;=
">&nbsp;</td></tr></table></td></tr></table><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"width: 100%;line-height: 20px;font-family=
: Arial, Lucida, sans-serif;font-size: 14px;"><tr><td style=3D"vertical-ali=
gn: top;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"=
width:100%;line-height: 20px;font-family: Arial, Lucida, sans-serif;font-si=
ze: 14px;"><tbody><tr><td style=3D"height: 20px;vertical-align: top;">&nbsp=
;</td></tr></tbody></table></td></tr><tr><td style=3D"vertical-align: top;"=
><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width:100=
%;line-height: 20px;font-family: Arial, Lucida, sans-serif;font-size: 14px;=
"><tbody><tr><td style=3D"width: 20px;vertical-align: top;">&nbsp;</td><td =
style=3D"width: 132px;text-align: center;vertical-align: top;"><a href=3D"h=
ttp://email.instantbusinessresources.com/wf/click?upn=3DUFFwiDK-2FLOoGfS9SF=
TwMUvpbE6PUCuWqgkq4ufvHOC-2FwEVbo9NG99mqpYuPu8ZU0dEb2XjKXS8DCLcQxvBoyHJVL-2=
BbbkH6xjRlGC60FLbKuKaK3baZ40i-2FR9DyFCCMI7NlaokOa6i-2BvDL1ynD3QQkQ-3D-3D_nE=
9rxSXA5G4kxsTVkgv43ohFG4jIUovcwIMxOTNIMKMyCGWYiWIiefaSR2f2UY1Nc2us4v-2B4CmU=
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yvL8oojcwKK2c4ZaMX69m0UjYcSTdpU8d-2FaOo3LFfJhijmNjZ01vp4foL05TkRIB9uICCzGs9=
mHB2cEW579szU9xMj1Wtz4tU2G8XEsUi8IuWoHhwv7PW1R-2FaUGzzH1rQTIWqNGjSeR-2FYJ-2=
BRGESJ6AH-2Bc6yItIqWOMIXTp0GgWdCVFf-2BdCQcrJxorTzxgOPoPkb-2BHVYLj39SEOxqzfR=
ABoIiYIJwJ8NpOBWBpu9Wcp-2FIniL1jxYQ-3D-3D"><img src=3D"https://content.zywa=
ve.com/content/36c97e30-dc11-4afe-9b4b-2dabca475e6c" alt=3D"" style=3D"bord=
er: 1px solid #cccccc;vertical-align:middle;max-width:150px;"></a><td style=
=3D"width: 20px;vertical-align: top;">&nbsp;</td><td style=3D"vertical-alig=
n: top;"><p style=3D"font-weight: bold;margin: 5px 0;">Wrap Documents for W=
elfare Benefit Plans</p><p style=3D"margin: 5px 0;">ERISA requires welfare =
benefit plans, such as group health plans, to have a plan document and an S=
PD. In most cases, the certificate or booklet provided by an insurance carr=
ier (or other third party) does not satisfy ERISA=E2=80=99s requirements fo=
r plan documents and SPDs. This Compliance Overview explains how employers =
may use wrap documents in conjunction with the insurance certificate or boo=
klet in order to satisfy ERISA=E2=80=99s plan document and SPD requirements=
. </p><p style=3D"margin: 5px 0;"><a href=3D"http://email.instantbusinessre=
sources.com/wf/click?upn=3DUFFwiDK-2FLOoGfS9SFTwMUvpbE6PUCuWqgkq4ufvHOC-2Fw=
EVbo9NG99mqpYuPu8ZU0dEb2XjKXS8DCLcQxvBoyHJVL-2BbbkH6xjRlGC60FLbKuKaK3baZ40i=
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hBerIIaMJX2Am7JMv4xNwDYFR5891osqpkte9AX2rA0B9ZyvL8oojcwKK2c4ZaMX69m0UjYcSTd=
pU8d-2FaOo3LFfJhijmNjZ01vp4foL05TkRIB9uICCzGs9mHB2cEW579szU9xMj1WtzLJB3-2FM=
axYumuE9ZCFTyEtF-2FsS8a5tzM9xTq24e-2BonTZVxgamDe5Ku0OH6VCjA-2B2vFaORW9mfpk4=
VN-2FNX5UuVDEVuBNf3PPbdNtEwR8zP1uG5MgN-2FDTFRrHyLsCtuOc4xRis1pl-2Fv3ZoPziRN=
OkxBmg-3D-3D" style=3D"color: #777777">Download now</a></p></td><td style=
=3D"width: 20px;vertical-align: top;">&nbsp;</td></td></tr></tbody></table>=
</td></tr><tr><td style=3D"vertical-align: top;"><table border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" style=3D"width:100%;line-height: 20px;font-fa=
mily: Arial, Lucida, sans-serif;font-size: 14px;"><tbody><tr><td style=3D"h=
eight: 20px;vertical-align:top;">&nbsp;</td></tr></tbody></table></td></tr>=
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"wi=
dth: 100%;line-height: 20px;font-family: Arial, Lucida, sans-serif;font-siz=
e: 14px;"><tr><td style=3D"padding: 20px 0;vertical-align: top;"><table bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%;border-t=
op-color: #e6e6e6;border-top-style: solid;border-top-width: 2px;line-height=
: 20px;font-family: Arial, Lucida, sans-serif;font-size: 14px;"><tr><td sty=
le=3D"vertical-align: top;"><span></span></td></tr></table></td></tr></tabl=
e><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 1=
00%;line-height: 20px;font-family: Arial, Lucida, sans-serif;font-size: 14p=
x;"> <tr> <td style=3D"vertical-align: top;"> <table border=3D"0" cellpaddi=
ng=3D"0" cellspacing=3D"0" style=3D"width: 100%;line-height: 20px;font-fami=
ly: Arial, Lucida, sans-serif;font-size: 14px;"> <tr> <td style=3D"height: =
20px;vertical-align: top;">&nbsp;</td></tr></table> </td></tr><tr> <td styl=
e=3D"vertical-align: top;"> <table border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" style=3D"width: 100%;line-height: 20px;font-family: Arial, Lucida,=
 sans-serif;font-size: 14px;"> <tr> <td style=3D"width: 20px;vertical-align=
: top;">&nbsp;</td><td style=3D"vertical-align: middle; width: 270px; text-=
align: center;"><img width=3D"135" src=3D"https://www.instantbusinessresour=
ces.com/content/ff40ac8d-040a-4994-8474-4378e493512d" alt=3D"Westchester Be=
nefit Group Logo"></td><td style=3D"width: 20px;vertical-align: top;">&nbsp=
;</td><td style=3D"vertical-align: top;"> <table style=3D"table-layout: fix=
ed; width: 100%; word-wrap: break-word;"> <tr> <td> <p style=3D"line-height=
: 1.8em;">Westchester Benefit Group<br> Summit Lake Dr<br> Valhalla, NY 105=
95<br> 914-747-5117<br> http://www.westchesterbenefit.com</br></p></td></tr=
></table> </td><td style=3D"width: 20px;vertical-align: top;">&nbsp;</td></=
tr></table></td></tr><tr><td style=3D"vertical-align: top;"><table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%;line-height=
: 20px;font-family: Arial, Lucida, sans-serif;font-size: 14px;"><tr><td sty=
le=3D"height: 20px;vertical-align: top;">&nbsp;</td></tr></table></td></tr>=
</table></td></tr></table>                <table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"width: 100%;line-height: 20px;font-family=
: Arial, Lucida, sans-serif;font-size: 14px;">
                        <tr>
                            <td style=3D"vertical-align: top;">&nbsp;</td>
                        </tr>
                    </table></td></tr></table></body></html></td></tr><tr h=
eight=3D"20"><td style=3D"font-family:Arial; font-size:14; color:#545454">D=
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