Benefits Book & SPDs

This page is your resource for accessing the Summary Plan Descriptions (SPDs), including any applicable Summary of Material Modifications (SMM), for many of the Wells Fargo–sponsored benefit plans available to benefits-eligible team members on U.S. payroll. These documents describe various 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 access the SPDs (including any applicable SMM).

Other important notices related to the health and welfare benefit plans are accessible under the Additional Resources on the Plans and Claims Administrator page of Teamworks at Home. 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.

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)

2021 Benefits Book — SPDs for health and welfare plans*

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

Please be aware that the deadlines explained in the Benefits Book for requesting special enrollment in the medical plan, electing and paying for COBRA continuation coverage, and filing claims and appeals have been extended during the “Outbreak Period” related to COVID-19. Read the following document for more information on these extensions: Important extensions to benefits plan deadlines (PDF).

Benefits Book, Effective January 1, 2021 (PDF, 4.20 MB)
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: Salary Continuation Pay 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 combined PDF instead of other individual 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're enrolled in a Kaiser medical plan option, the benefits available and any requirements for accessing services and receiving benefits under the applicable Kaiser plan are detailed in a separate Evidence of Coverage or similar document provided directly from or made available to you by Kaiser if you enroll in the applicable plan; (visit or This information is not included in the Benefits Book.

Notice of HIPAA Privacy Rights

Notice of HIPAA Privacy Rights (PDF)

2021 Benefits Book

2021 Benefits Book (PDF, 4 MB)

2021 Retiree Benefits Book

2021 Retiree Benefits Book (PDF, 3.19 MB)

Wells Fargo may or may not have a relationship with websites linked to and from Teamworks at Home (or websites linked within the documents posted on this page) and does not provide products and services represented on those websites.

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 provide all the official terms and provisions of the Wells Fargo & Company-sponsored employee benefit plans referenced above. Additional plan details are stated in the official plan documents. In the case of a discrepancy between the information presented and the official plan documents, the official plan documents will govern. 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 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 August 19, 2021