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2014 Benefits Book & SPDs

The Benefits Book is your guide to benefits effective January 1, 2014.

The Benefits Book contains the Summary Plan Descriptions (SPDs) that describe the provisions of certain Wells Fargo-sponsored benefit plan options for team members. Refer to the Benefits Book if you have questions or want to learn more about a benefit plan option, such as what's covered, how to file claims, or how to change coverage.

SPDs for the medical plan options vary depending on the specific plan selected. SPDs for the self-insured medical plan options are included in the Benefits Book. To obtain an SPD for an HMO offered by Wells Fargo, contact your HMO directly.

Note: SPDs for the retirement plans are listed separately below.

Benefits Book (PDF, 3.0 MB)

See inside for:

  • Chapter 1: An Introduction to Your Benefits (PDF)
  • Chapter 2: Medical Plans (PDF)
  • Chapter 3: Dental Plan (PDF)
  • Chapter 4: Vision Plan (PDF)
  • Chapter 5: Health Care Flexible Spending Account Plan (Full-Purpose Health Care Flexible Spending Account and Limited Dental/Vision Flexible Spending Account) (PDF)
  • Chapter 6: Day Care Flexible Spending Account (PDF)
  • Chapter 7: Life Insurance Plan (PDF)
  • Chapter 8: Business Travel Accident Plan (PDF)
  • Chapter 9: Accidental Death and Dismemberment Plan (PDF)
  • Chapter 10: Long-Term Care Plan (PDF)
  • Chapter 11: Short-Term Disability Plan (PDF)
  • Chapter 12: Long-Term Disability Plan (PDF)
  • Chapter 13: Salary Continuation Pay Plan (PDF)
  • Chapter 14: Legal Services Plan (PDF)
  • Appendix A: Claims and Appeals (PDF)
  • Appendix B: Important Notifications and Disclosures (PDF)
  • Appendix C: Health Savings Accounts (PDF)
  • Appendix D: Leaves of Absence and Your Benefits (PDF)
  • Appendix E: Continuing Coverage Under COBRA (PDF)
  • Appendix F: The UnitedHealthcare Medicare Supplement Plan for Eligible Participants Receiving Disability Benefits Under the Wachovia Corporation LTD Plan (PDF)

Retirement Plans Summary Plan Descriptions

401(k) Plan SPD (PDF, 1.5MB)
Cash Balance Plan SPD (PDF)

Benefits Book for Retirees

Wells Fargo Retiree Benefits Book (PDF, 2.13MB)

Medicaid and the Children's Health Insurance Program

Medicaid and the Children's Health Insurance Program (CHIP) is a program administered by the United States Department of Health and Human Services that provides matching funds to states for health insurance to families with children.
CHIP (PDF)

2013 Benefits Book and SPDs

2013 Benefits Book

2012 Benefits Book and SPDs

2012 Benefits Book

The Benefits Book was created as one PDF, rather than separate PDFs for each chapter. This makes it easy for you to search for information throughout the whole book and allows us to create links within the book.

If you'd like to print a specific section from the Benefits Book, simply click on the Print button on the top toolbar and enter the pages you'd like to print on the Pages line. 

The information on this page does not contain all the terms and provisions of the referenced Wells Fargo & Company sponsored employee benefit plan (or plans). For additional benefit plan details, refer to each plan’s Summary Plan Description (SPD). If there is a discrepancy between the information contained on this website and the official plan documents, the official plan documents will govern. If there are any errors in the information provided to you, Wells Fargo reserves the right to correct such errors. Further, Wells Fargo reserves the unilateral right to amend, modify, or terminate its benefit plans at any time, in whole or in part, and for any reason. Any such amendment, modification, or termination may apply to current and future participants and their dependents and beneficiaries.

The information presented on this website does not contain all of the official plan provisions of various Wells Fargo & Company sponsored employee benefits plans. If there is a discrepancy between the statements and information contained on this website and the official plan documents, the official plan documents will govern plan administration and benefit decisions.

Wells Fargo reserves the right to amend or modify the SPDs after their official distribution through a Summary of Material Modification (SMM) distributed to participants and beneficiaries. In case of any conflict between the information contained in the Summary Plan Descriptions and the official plan documents, the official plan documents will govern the plan administration and benefit decisions. Should there be any errors in this information, Wells Fargo reserves the right to correct such errors. Wells Fargo & Company reserves the unilateral 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, covered spouses or domestic partners, covered dependents, and beneficiaries. Participation in the plans does not constitute a guarantee or contract of employment with Wells Fargo.