Summary Plan Descriptions (SPDs)

Summary Plan Descriptions (SPDs) are summaries of the benefits offered eligible participants under the applicable benefit Plan. SPDs are provided for informational purposes and are intended to comply with Department of Labor requirements for summary plan descriptions (SPDs). More detailed information is provided in the official Plan documents. If there is any conflict between the information in an SPD and the applicable Plan, the Plan document will govern.

The latest versions of the SPDs are posted here, but please review the annual open enrollment materials in Enroll in Your Benefits and in the Archives for your plan’s most recent benefit changes.

If you have questions about your benefits, you can also log on to the Your Benefits Resources website or call the Nokia Benefits Resource Center.

Reminder: When reviewing some of the SPDs listed below, please note that the address for the Your Benefits Resources (YBR) website has changed to digital.alight.com/nokia.

• Medical Expense Plan — Surest Enhanced and Standard Options — Effective January 1, 2025 (Updated)
• Medical Expense Plan — UnitedHealthcare (UHC) Enhanced and Standard Options — Effective January 1, 2025 (Updated April 2025)
• Flexible Spending Accounts (Reimbursement Accounts) — Effective January 2025 (Updated February 2025)
• Dental Expense Plan — Effective January 2025
• Nokia Savings/401(k) Plan — Effective January 2025
• Nokia Retirement Income Plan — Account Balance Program
• Nokia Retirement Income Plan — Alcatel NA Cable Systems, Inc. Salaried Pension Plan Provisions
• Nokia Retirement Income Plan — Alcatel Network Systems Retirement Plan Provisions
• Nokia Retirement Income Plan — Cash Account Program – Effective January 1, 2025
• Nokia Retirement Income Plan — Cash Balance Plan Provisions of the Alcatel USA, Inc. Consolidated Retirement Plan
• Nokia Retirement Income Plan — Alcatel USA, Inc. Retirement Plan for Production Employees Provisions of the Alcatel USA, Inc. Consolidated Retirement Plan
• Nokia Retirement Income Plan — RFS
• Nokia Retirement Income Plan — Service Based Program
• Nokia Severance Plan — Effective March 1, 2025
• Life Insurance Plans
• Short-Term Disability Plan
• Long-Term Disability Plan — Effective April 1, 2023
• Long-Term Disability Plan — Effective April 1, 2018
• Long-Term Disability Plan — Effective January 1, 2018
• Long-Term Disability Plan — Effective January 1, 2017
• Long-Term Care Plan
  

  Please note: The Long-Term Care Plan is closed to new entrants. Read more.