62 (x) “Subsidiary Contracts” means any description of benefits, certificate of coverage, subscriber agreement, or evidence of coverage booklet , referenced by this SPD. These documents provide more details on specific items such as benefit coverage, definitions, coordination of benefits, claims procedures , exclusions and limitations . (y) “ Summary Plan Description ( SPD ) ” means any Summary Plan Description , Summary of Material Modifications or other Employee communication that describes the benefits under a Welfare Program, and has been included by the Employer and/or Employer as part of this Plan by reference . (z) “Spouse” means the legal spouse (as defined by state law, as applicable) of a Participant. (aa) “ Welfare Benefit Plan ” means a type of employer - sponsored employee Welfare Benefit Plan . 419(e) Welfare Benefit Plan s qualify under paragraph (e) of Section 419 of the Internal Revenue Code . They provide a range of benefits to employees, such as life, health, disability, long - term care and post - retirement medical. (bb) “Welfare Program” means a Welfare Program incorporated into this Plan that is offered by the Company and/or an Employer that provides any Employee a benefit that would be treated as an “employee Welfare Benefit Plan ” under Section 3(1) of ERISA if offered separately. (cc) “Welfare Program Document” means a written arrangement, including any contract between an Employer and an insurance company, health maintenance organization (“HMO”), administrative service organization (“ASO”) or other similar organization to provide benefits, a plan document or other instrument under which a Welfare Program is established and operated.