Retiree Plan Documents
Note: For Employees and Retirees under closed ONEOK programs.
Retiree Health Plans
Open Enrollment Guide 2026 - Pre-65
Open Enrollment Guide 2026 - Post-65
Summary Plan Description - ONEOK Inc. Health Plan for Former Employees
Summary Plan Description - UnitedHealthcare Pre-65 PPO
Summary Plan Description - UnitedHealthcare Pre-65 Out of Area
Summary Plan Description - UnitedHealthcare Medicare Secondary Exception
Summary of Material Modifications – ONEOK Inc Health Plan for Former Employees
Life Insurance Plan
Retiree Participants Certificates of Coverage:
UNUM Life Insurance Certificate – Group 3
UNUM Life Insurance Certificate – Group 7
UNUM Life Insurance Certificate – Group 8
Long Term Disability Participants Certificates of Coverage:
UNUM Life and AD&D Certificate – Group 5
UNUM Life and AD&D Certificate – Group 6
UNUM Life and AD&D Certificate – Group 9
Retirement Income
Summary Plan Description – ONEOK, Inc. 401(k) Plan
Summary Plan Description - ONEOK Retirement Plan
Annual & Other Legal Notices
Open Enrollment Guide 2026 - Pre-65
Open Enrollment Guide 2026 - Post-65
Summary Annual Report - 401(k) Plan
Summary Annual Report – Health Plan for Former Employees (Pre-65)
Summary Annual Report – Retiree Reimbursement Account Plan for Former Employees (Post-65)
Summary Annual Report – Welfare Benefits Wraparound Plan (Former Employee Life Insurance)
Annual Funding Notice - ONEOK Retirement Plan
Annual Legal Notices - 2026 Pre-65
Annual Legal Notices - 2026 Post-65
Summary Annual Report - EnLink Midstream Operating, LP 401(k) Trust
Note: For Employees and Retirees under closed Magellan programs.
Retiree Health Plans
Open Enrollment Guide 2026 - Pre-65
Summary Plan Description - ONEOK Inc. Health Plan for Former Employees
Summary Plan Description - UnitedHealthcare MMP Pre-65 PPO
Summary Plan Description - UnitedHealthcare MMP Pre-65 Out of Area
Summary of Material Modifications – ONEOK Inc Health Plan for Former Employees
Life Insurance Plan
Certificate of Coverage:
UNUM Life Insurance Certificate – Group 4
Retirement Income
Summary Plan Description – ONEOK, Inc. 401(k) Plan
Summary Plan Description - Magellan Pension Plan - Cash Balance Formula
Summary Plan Description - Magellan Pension Plan - Final Average Pay Formula
Summary Plan Description - Magellan Pension Plan for USW Employees - Cash Balance Formula
Summary Plan Description - Magellan Pension Plan for USW Employees - Final Average Pay Formula
Annual & Other Legal Notices
Open Enrollment Guide 2026 - Pre-65
Summary Annual Report - 401(k) Plan
Summary Annual Report – Welfare Benefits Wraparound Plan (Former Employee Life Insurance)
Summary Annual Report – Health Plan for Former Employees (Pre-65)
Annual Funding Notice - Magellan Pension Plan
Annual Funding Notice - Magellan Pension Plan for USW Employees
Note: For Employees and Retirees under closed ONEOK programs.
Retiree Health Plans
Open Enrollment Guide 2026 - Pre-65
Open Enrollment Guide 2026 - Post-65
Summary Plan Description - ONEOK Inc. Health Plan for Former Employees
Summary Plan Description - UnitedHealthcare Pre-65 PPO
Summary Plan Description - UnitedHealthcare Pre-65 Out of Area
Summary Plan Description - UnitedHealthcare Medicare Secondary Exception
Summary of Material Modifications – ONEOK Inc Health Plan for Former Employees
Life Insurance Plan
Retiree Participants Certificates of Coverage:
UNUM Life Insurance Certificate – Group 3
UNUM Life Insurance Certificate – Group 7
UNUM Life Insurance Certificate – Group 8
Long Term Disability Participants Certificates of Coverage:
UNUM Life and AD&D Certificate – Group 5
UNUM Life and AD&D Certificate – Group 6
UNUM Life and AD&D Certificate – Group 9
Retirement Income
Summary Plan Description – ONEOK, Inc. 401(k) Plan
Summary Plan Description - ONEOK Retirement Plan
Annual & Other Legal Notices
Open Enrollment Guide 2026 - Pre-65
Open Enrollment Guide 2026 - Post-65
Summary Annual Report - 401(k) Plan
Summary Annual Report – Health Plan for Former Employees (Pre-65)
Summary Annual Report – Retiree Reimbursement Account Plan for Former Employees (Post-65)
Summary Annual Report – Welfare Benefits Wraparound Plan (Former Employee Life Insurance)
Annual Funding Notice - ONEOK Retirement Plan
Annual Legal Notices - 2026 Pre-65
Annual Legal Notices - 2026 Post-65
Summary Annual Report - EnLink Midstream Operating, LP 401(k) Trust
Note: For Employees and Retirees under closed Magellan programs.
Retiree Health Plans
Open Enrollment Guide 2026 - Pre-65
Summary Plan Description - ONEOK Inc. Health Plan for Former Employees
Summary Plan Description - UnitedHealthcare MMP Pre-65 PPO
Summary Plan Description - UnitedHealthcare MMP Pre-65 Out of Area
Summary of Material Modifications – ONEOK Inc Health Plan for Former Employees
Life Insurance Plan
Certificate of Coverage:
UNUM Life Insurance Certificate – Group 4
Retirement Income
Summary Plan Description – ONEOK, Inc. 401(k) Plan
Summary Plan Description - Magellan Pension Plan - Cash Balance Formula
Summary Plan Description - Magellan Pension Plan - Final Average Pay Formula
Summary Plan Description - Magellan Pension Plan for USW Employees - Cash Balance Formula
Summary Plan Description - Magellan Pension Plan for USW Employees - Final Average Pay Formula
Annual & Other Legal Notices
Open Enrollment Guide 2026 - Pre-65
Summary Annual Report - 401(k) Plan
Summary Annual Report – Welfare Benefits Wraparound Plan (Former Employee Life Insurance)
Summary Annual Report – Health Plan for Former Employees (Pre-65)
Annual Funding Notice - Magellan Pension Plan
Annual Funding Notice - Magellan Pension Plan for USW Employees