I'm aware than when a major change happens within the medical benefits a new SPD should go the employees within a certain amount of time. Does anyone know what constitues a "major" change? Does changing a plan from paying 90% after deductible to paying 80% after deductible constitute a "major" change? Any information would be greatly appreciated. Thank you,

You wouldn't have to send a new SPD, you can do a Summary of Material Modifications. That would definitely be a Material Reduction in covered services. See (d)(3) at the regulation below

http://www.dol.gov/dol/allcfr/ebsa/Title_2...2520.104b-3.htm