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Benefits Book & SPDs

The Summary Plan Descriptions (SPDs) describe how the plans work and provide other important information you need to know to use your benefits throughout the year. The SPDs may be modified at any time through a Summary of Material Modification (SMM) that will be distributed or made available as applicable. Click the applicable links below to access the SPDs (including any applicable SMM).

In addition to the benefit plans referenced on this page, Wells Fargo offers additional benefit programs. You can learn more about some of the other benefit programs available to you by exploring the Retirement & Stock Plans section and the Programs & Services section of Teamworks at Home.

SPDs for Retirement plans

Wells Fargo & Company 401(k) Plan SPD (PDF)

Wells Fargo & Company Cash Balance Plan SPD (PDF)

Note: Other important 401(k) Plan notices and disclosures can be found on the 401(k) Plan website; sign on from the Wells Fargo & Company 401(k) Plan page of Teamworks at Home, go to the Plan Information tab, and then select Plan Resources.

Benefits Book — SPDs for health and welfare plans

Benefits Book (PDF, 10.1 MB)

2025 SMM – Benefits Book (PDF)

2024 SMM – Benefits Book Chapter 2 (PDF)

The Benefits Book provides information on the following:

Chapter 1: Eligibility, Enrollment, and More
Chapter 2: Medical Plans
Chapter 3: Dental Plan
Chapter 4: Vision Plan
Chapter 5: Health Care Flexible Spending Account Plan (Full-Purpose Health Care Flexible Spending Account and Limited Dental/Vision Flexible Spending Account)
Chapter 6: Day Care Flexible Spending Account
Chapter 7: Life Insurance Plan
Chapter 8: Business Travel Accident Plan
Chapter 9: Accidental Death and Dismemberment Plan
Chapter 10: Short-Term Disability Plan
Chapter 11: Short-Term Disability Top-Up Plan
Chapter 12: Long-Term Disability Plan
Chapter 13: Legal Services Plan
Chapter 14: Critical Illness Insurance Plan
Chapter 15: Optional Accident Insurance Plan
Chapter 16: Global Business Travel & Accident Plan
Chapter 17: Employee Assistance Program
Appendix A: Claims and Appeals
Appendix B: Important Notifications and Disclosures
Appendix C: Health Savings Accounts
Appendix D: Leaves of Absence and Your Benefits
Appendix E: Continuing Coverage Under COBRA
Appendix F: Severance Plan

Notice of HIPAA Privacy Rights

Notice of HIPAA Privacy Rights (PDF)

Official plan documents

The information provided is a general summary of certain employee benefits sponsored or made available to you by Wells Fargo & Company. The employee benefit plans are maintained pursuant to and governed by official plan documents, which may consist of plan documents, Summary Plan Descriptions (SPDs), insurance policies, and certificates of coverage (collectively, the “plan documents”). In the case of a discrepancy between the information presented herein and the official plan documents, the official plan documents will control. If there are any errors or omissions in such materials, Wells Fargo & Company, the plan administrator, or their authorized designees reserve the right to correct such errors or omissions. Wells Fargo & Company reserves the right to amend, modify, or terminate any of its benefit plans, programs, policies, or practices at any time, for any reason, with or without notice. Any such amendment, modification, or termination may apply to both current and future participants, and their dependents and beneficiaries.

Eligibility for or participation in Wells Fargo & Company-sponsored plans does not constitute a contract or guarantee of employment with Wells Fargo & Company or its subsidiaries or affiliates.

Published January 23, 2025