For new plans, the SPD must be provided withing 120 days after the effective date. Updated SPDs must be furnished within 210 days of every fifth year for plans that have been amended; otherwise the SPD must be redistributed every 10 years. New participants: within 90 days after becoming a participant or benefits commence (in the case of beneficiaries). HR should furnish you with a copy on request but may charge a nominal fee to cover costs. You are also entitled to an "Individual Benefit Statement" within 30 days on request, as well as a Summary Annual Report within nine months after end of the plan year or within two months after close of the extension period (for plans filing that form).
From the Dept of Labor:
As a participant in (name of plan) you are entitled to certain
rights and protections under the Employee Retirement Income Security Act
of 1974 (ERISA). ERISA provides that all plan participants shall be
Receive Information About Your Plan and Benefits
Examine, without charge
, at the plan administrator's office and at
other specified locations, such as worksites and union halls, all
documents governing the plan
, including insurance contracts and
collective bargaining agreements, and a copy of the latest annual report
(Form 5500 Series) filed by the plan with the U.S. Department of Labor
and available at the Public Disclosure Room of the Pension and Welfare
Obtain, upon written request to the plan administrator, copies of
documents governing the operation of the plan,
contracts and collective bargaining agreements, and copies of the latest
annual report (Form 5500 Series) and updated summary plan description.
The administrator may make a reasonable charge for the copies.
Receive a summary of the plan's annual financial report. The plan
administrator is required by law to furnish each participant with a copy
of this summary annual report.
[emphasis in bold added]