2026 ORNL Summary Plan Description

Welcome

Welcome to the online Summary Plan Description (SPD) for ORNL’s health and welfare plans. The SPD explains the key features of the benefits including eligibility requirements, coverage details and procedures for filing claims and appeals. It also outlines your rights and responsibilities as a plan participant. To view the SPD, click on the green menu options (About Your Benefits, Health, etc.) across the top of each page.

This SPD is for employees who retired under the Pension Plan.

Visit benefits.ornl.gov/retiree-benefits to access other important information such as required notices, Summaries of Benefits & Coverage, eligibility details, and Pension and Savings Plans SPDs.

Need Help?

Contact ORNL Benefits at 1-865-576-7766. You may request a printed copy by contacting ORNL Benefits at 1-865-576-7766 or email ornlbenefits@ornl.gov.

Disclaimer

The Company expects and intends to continue the plans in your benefits program but reserves its right to terminate each of the plans, in whole or in part, without notice. The Company also reserves its right to amend each of the plans at any time.

The Company also may increase or decrease its contributions or the participants’ contributions to the plans.

The Company’s decision to terminate or amend a plan may be due to changes in federal or state laws governing welfare benefits, the requirements of the Internal Revenue Code or ERISA, or any other reason. A plan change may result in the transfer of plan assets and debts to another plan or may split a plan into two or more parts. If the Company does terminate or amend a plan, it may decide to set up a different plan providing similar or identical benefits, but it is under no obligation to do so.

If a welfare plan is terminated, you will not have any further rights, other than the payment of benefits for covered losses or expenses incurred before the plan was terminated, and for covered medical plan expenses related to a total disability existing before the plan was terminated, which are incurred within 3 months after termination of the plan. The amount and form of any final benefit you or your beneficiary receives will depend on any insurance contract provisions affecting the plan and the Company’s decisions.