Benefits Book & SPDs

This page is your resource for accessing the Summary Plan Descriptions (SPDs), and any applicable Summary of Material Modifications (SMMs), for many of the Wells Fargo-sponsored benefit plans available to team members on U.S. payroll who are eligible for benefits. These documents describe the provisions of each of the referenced benefit plans, such as eligibility and enrollment, how the plans work, when you can make changes, your rights and obligations under the plans, and other important information. Click the applicable links below to learn more about these plans.

Note: The Benefits Book is revised annually and any changes for the new plan year will be described in the updated Benefits Book, generally available in January of each year.

Other important notices related to the benefit plans are also accessible by clicking the applicable link on this page.


SPDs for Retirement plans

Wells Fargo & Company 401(k) Plan SPD (PDF, 1.5MB)
Summary of Material Modifications for the Wells Fargo & Company 401(k) Plan 2015 (PDF)
Summary of Material Modifications for the Wells Fargo & Company 401(k) Plan 2016 (PDF, 1.5MB)
Summary of Material Modifications for the Wells Fargo & Company 401(k) Plan 2016, #2 (PDF)
Addendum E: 401(k) Plan Loan Rules Update
Wells Fargo & Company Cash Balance Plan SPD (PDF, 1.1MB)
Summary of Material Modifications for the Wells Fargo & Company Cash Balance Plan 2015 (PDF)
Summary of Material Modifications for the Wells Fargo & Company Cash Balance Plan 2017 (PDF)


Benefits Book — SPDs for health and welfare plans*

Benefits Book, Effective January 1, 2017 (PDF, 3.5MB)
Summary of Material Modifications for the Wells Fargo & Company Health Plan, Chapter 2: Medical Plans (PDF)
Summary of Material Modifications for the Wells Fargo & Company Salary Continuation Pay Plan, Chapter 13: Salary Continuation Pay Plan (PDF)

The Benefits Book provides information on the following:

  • Chapter 1: An Introduction to Your Benefits
  • 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: Long-Term Care Plan
  • Chapter 11: Short-Term Disability Plan
  • Chapter 12: Long-Term Disability Plan
  • Chapter 13: Salary Continuation Pay Plan
  • Chapter 14: Legal Services Plan
  • 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

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

*If you are enrolled in a Kaiser medical plan option, you will receive a coverage document directly from Kaiser that details the coverage provided and any requirements for accessing services and receiving benefits under the applicable Kaiser plan; such information is not included in the Benefits Book.


Notice of HIPAA Privacy Rights

Notice of HIPAA Privacy Rights (PDF)


Medicaid and the Children's Health Insurance Program

CHIP Notice (PDF)
The Children's Health Insurance Program (CHIP) notice provides health coverage to eligible children, through both Medicaid and separate CHIP programs. CHIP is administered by each state, according to federal requirements. The program is funded jointly by states and the federal government.


2016 Benefits Book

2016 Benefits Book (PDF, 3.8MB)


2017 Retiree Benefits Book

2017 Retiree Benefits Book (PDF, 3.7MB)


Wells Fargo may or may not have a relationship with websites linked to/from Teamworks at Home. Wells Fargo does not provide products and services represented on websites linked to/from Teamworks at Home.

Please review the applicable privacy and security policies and terms and conditions for the website you are visiting.

The information on this page does not contain all the official terms and provisions of the Wells Fargo & Company-sponsored employee benefit plans referenced above. Additional plan details can be found in the official plan documents. If there is any conflict or discrepancy between the information provided on this website and the official plan documents, the official plan documents will govern. If there are any errors or omissions in such materials, the plan administrator or its authorized designee reserves the right to correct such errors or omissions.

Wells Fargo & Company reserves the unilateral right to amend, modify, or terminate any of its benefit plans (or benefit options), 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 the employee benefit plans does not constitute a contract or guarantee of employment with Wells Fargo & Company or its subsidiaries or affiliates.

Published January 4, 2017