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Your rights and responsibilities

This Benefits Summary is the summary plan description (SPD), effective January 1, 2023, for:
  • The Stryker Corporation Welfare Benefits Plan (which includes Stryker's medical, prescription drug, dental, vision, life insurance, short-term disability, long-term disability, and healthcare flexible spending account plans)
  • The 401(k) Savings and Retirement Plans
These plans are governed by the Employee Retirement Income Security Act of 1974 (ERISA).
This section contains legal and administrative information for the healthcare, welfare and adoption assistance plans described in this Benefits Summary, which you may need to contact the right person for information or help. Although you may not use this information often, it can be helpful if, for example, you want to know:
  • How to contact the plan sponsor and administrator
  • Time limits that apply to filing and appealing claims
  • Your rights under ERISA
Important note
For the healthcare, welfare and adoption assistance plan benefits, the applicable sections of this Benefits Summary describing each benefit, along with this Your Rights and Responsibilities section and applicable vendor contracts or certificates of coverage together constitute the SPD for that benefit.
The 401(k) Savings and Retirement Plan that applies to you is described in its entirety (including administrative details governing that plan) within the 401(k) Retirement Plan section, with that section constituting the SPD for that plan. See the 401(k) Retirement Plan section for all details about your 401(k) plan.