Plan Documents

2025 summary plan descriptions (SPD)

Active, inactive, retiree health care and life insurance plans

Active employees
General Information
- 2025 Lumen Adoption Assistance Plan
- 2025 Commuter Spending Account for Eligible Active Full-time and Term Full-time Employees
- 2025 Lumen Welfare Benefits Plan (Health and Welfare Benefits) General Information SPD for Active Employees
Medical
- 2025 Lumen Health Care Plan - High Deductible Health Plan (HDHP) with Optional HSA and Out-of- Area Plan for Active Employees
- 2025 Surest Health Plan for Eligible Active Lumen Employees
- 2025 Surest Select Health Plan for Eligible Active Lumen Employees
Company Sponsored Medical Voluntary Lifestyle Benefits
- 2025 Lumen Welfare Benefits Plan - Accident Insurance - High Plan for Active Employees
- 2025 Lumen Welfare Benefits Plan - Accident Insurance - Low Plan for Active Employees
- 2025 Lumen Welfare Benefits Plan - Critical Illness Insurance for Eligible Active Employees
- 2025 Lumen Welfare Benefits Plan - Hospital Indemnity Insurance - High Plan for Active Employees
- 2025 Lumen Welfare Benefits Plan - Hospital Indemnity Insurance - Low Plan for Active Employees
Disability

Short-Term Disability
- 2025 The Lumen Disability Plan: Short-Term Disability (STD) Benefit for Union Represented Employees
- 2025 The Lumen Disability Plan: Short-Term Disability (STD) Benefit for Qwest Union Represented Employees
- 2025 The Lumen Disability Plan: Short-Term Disability (STD) Benefit for Non-Union Employees and Qwest Union Represented Retail/Outside Sales
Long-Term Disability
- 2025 The Lumen Disability Plan: Long-Term Disability (LTD) Benefit for Union & Non-Union Represented Employees
- 2025 The Lumen Disability Plan: Long-Term Disability (LTD) Benefit for Qwest Union Represented Employees Hired Prior to January 1, 2018
- 2025 The Lumen Disability Plan: Long-Term Disability (LTD) Benefit for Qwest Union Represented Employees Hired, Rehired, or Transfered on or after January 1, 2018
Dental
- 2025 Lumen Health Care Plan - Dental Plan for Eligible Active Employees
Vision
- 2025 Lumen Health Care Plan - Vision Plan Option for Eligible Active Employees
Life insurance
- 2025 Lumen Life and Accidental Death & Dismemberment (AD&D) Insurance Plan For Active Employees
- 2025 Lumen Business Travel Accident (BTA) Insurance Plan for Active Employees
- 2025 Survivor Benefit Plan for Eligible Active Employees
Flexible Spending Accounts
- 2025 Flexible Spending Account, Limited Purpose FSA and Dependent Day Care
Retirees
Medical
- 2025 Plan Guide - Lumen Retiree Medicare Advantage (PPO) + Dental
- 2025 Plan Guide - UnitedHealthcare Group Medicare Advantage (PPO)
- 2025 Summary of Benefits - Lumen Retiree Medicare Advantage (PPO) + Dental
- 2025 Summary of Benefits - UnitedHealthcare Group Medicare Advantage (PPO)
- 2025 Evidence of Coverage - Lumen Retiree Medicare Advantage (PPO) + Dental
- 2025 Evidence of Coverage - UnitedHealthcare Group Medicare Advantage (PPO)
- 2025 Lumen Retiree and Inactive Health Care Plan - High Deductible Health Plan (HDHP) with Optional HSA and Out-of-Area Plan for Retired and Inactive Former Employees
- 2025 Lumen Retiree and Inactive Health Care Plan - Retiree Health Reimbursement Account (HRA) for Eligible Company Retirees
- 2025 Lumen Retiree and Inactive Health Plan - Retiree Healthcare Medical Plan 1 for Eligible Retired and Inactive Former Employees (Qwest Pre-1991 Retirees)
- 2025 Lumen Retiree and Inactive Health Plan - Retiree Healthcare Medical Plan 2 for Eligible Retired and Inactive Former Employees (Qwest Pre-1991 Retirees)
- 2025 Lumen Retiree and Inactive Health Plan - Retiree Healthcare Medical Plan 3 for Eligible Retired and Inactive Former Employees (Qwest Pre-1991 Retirees)
- 2025 Lumen Retiree and Inactive Health Plan - Retiree Healthcare Medical Plan 4 for Eligible Retired and Inactive Former Employees (Qwest Pre-1991 Retirees)
- 2025 Lumen Retiree and Inactive Health Care Plan - UnitedHealthcare POS (Choice Plus Network) and No-Network for Qwest ERO '92 Retirees
- 2025 Surest Health Plan for Lumen Retired and Inactive Former Employees (Including: CenturyLink Retirees; Embarq Retirees; Qwest Post-1990 Management Retirees; Qwest Post-1990 Occupational Retirees; Inactives; COBRA Participants)
- 2025 Surest Select Health Plan for Lumen Retired and Inactive Former Employees (Including: CenturyLink Retirees; Embarq Retirees; Qwest Post-1990 Management Retirees; Qwest Post-1990 Occupational Retirees; Inactives; COBRA Participants)
Dental
- 2025 Lumen Retiree and Inactive Health Plan - Dental Plan for Retired and Inactive Former Employees
- 2025 Lumen Retiree and Inactive Health Care Plan - Retiree Dental Plan 1 for Eligible Retired and Inactive Former Employees (Qwest Pre-1991 Retirees)
- 2025 Lumen Retiree and Inactive Health Care Plan - Retiree Dental Plan 2 for Eligible Retired and Inactive Former Employees (Qwest Pre-1991 Retirees)
- 2025 Lumen Retiree and Inactive Health Care Plan - Retiree Dental Plan 3 for Eligible Retired and Inactive Former Employees (Qwest Pre-1991 Retirees)
- 2025 Lumen Retiree and Inactive Health Care Plan - Retiree Dental Plan 4 for Eligible Retired and Inactive Former Employees (Qwest Pre-1991 Retirees)
- 2025 Lumen Retiree and Inactive Health Care Plan - Retiree Dental Plan 5 for Eligible Retired and Inactive Former Employees (Qwest Pre-1991 Retirees)
Life insurance
- 2025 Lumen Life Insurance Plan for legacy Embarq Retirees
- 2025 Lumen Retiree Life Insurance Plan for Legacy Qwest Post-1990 Retirees Occupational and Management, Including Classified Executives and Non-executive)

2024 summary plan descriptions (SPD)

Active, inactive, retiree health care and life insurance plans

Active, inactive and retiree pension plans

2024 Lumen Combined Pension Plan

Lumen combined pension plan
CenturyLink retirement component - combined pension plan - SPD with appendices Embarq pension component - combined pension plan - SPD with appendices Madison River retirement component - combined pension plan - SPD with appendices Qwest pension component - combined pension plan - SPD

Active, inactive and retiree 401(k) plans

2024 401(k) plans
401(k) plans
- 2024 Lumen 401(k) Savings Plan - Summary Plan Description for Non-Union Employees
- 2024 Lumen 401(k) Savings Plan - Summary Plan Description for Union Represented Employees

2023 summary plan descriptions (SPD)

Active, inactive, retiree health care and life insurance plans

Active, inactive and retiree pension plans

2023 Lumen Combined Pension Plan

Lumen combined pension plan
CenturyLink retirement component - combined pension plan Embarq pension component - combined pension plan Madison River retirement component - combined pension plan Qwest pension component - combined pension plan

Active, inactive and retiree 401(k) plans

2023 401(k) plans
401(k) plans
- 2023 Lumen 401(k) Savings Plan - Summary Plan Description for Non-Union Employees
- 2023 Lumen 401(k) Savings Plan - Summary Plan Description for Union Represented Employees

2025 summary plan descriptions (SPD)

Active, inactive, retiree health care and life insurance plans

General Information

Medical

Company Sponsored Medical Voluntary Lifestyle Benefits

Disability

Short-Term Disability

Long-Term Disability

Dental

Vision

Life insurance

Flexible Spending Accounts

Medical

Dental

Life insurance

2024 summary plan descriptions (SPD)

Active, inactive, retiree health care and life insurance plans

General Information

Medical

Company Sponsored Medical Voluntary Lifestyle Benefits

Disability

Short-Term Disability

Long-Term Disability

Dental

Vision

Life insurance

Flexible spending accounts

Medical

Dental

Life insurance

Active, inactive and retiree pension plans

Lumen combined pension plan

Active, inactive and retiree 401(k) plans

401(k) plans

2023 summary plan descriptions (SPD)

Active, inactive, retiree health care and life insurance plans

General information

Medical

Company Sponsored Medical Voluntary Lifestyle Benefits

Disability

Short-Term Disability

Long-Term Disability

LTD Certificates

Dental

Vision

Life insurance

Flexible spending accounts

General information

Medical

Dental

Life insurance

Active, inactive and retiree pension plans

Lumen combined pension plan

Active, inactive and retiree 401(k) plans

401(k) plans

Useful links

Contact us

Connect