To extend that a bit further -- typically you want to do NSMD (non solder mask defined) pads. This is a pad of copper, with traces or spokes connecting to it, fully cleared by solder mask. A solder fillet forms between the outline of said blob, and the component pin. Some solder/fillet will wick up the traces/spokes.
(Related topic: pad thermal relief balance. You don't want to have too many / too wide traces connecting to one pad, and not to the other, say of small chips (<0805). This is a tombstoning risk factor.)
Sometimes, you have SMD (solder mask defined) pads. This usually arises when you are so hard-pressed for thermal or current handling, that you pour copper partly or entirely over the pad, and therefore the fillet forms up to the edge of the mask.
Because the copper and mask have that 3 mil uncertainty between them, you definitely don't want to mix SMD/NSMD pads on a single part! Keep this in mind next time you're laying out a power device.
Say you have a TSSOP regulator or MOSFET, with direct thermal pours -- this is a good place to use SMD pads.
For the most part, even when power handling is key, spokes are
fine. Run the numbers yourself! Take the thermal conductivity of copper, foil thickness, spoke dimensions, and solve for Rth. It's not much! Really only significant when a huge source of power is available, like a
soldering iron tip! 
The better fabs are okay with 2.5 mil mask expansion, and webs down to 3 mil. I normally use rules of 2.5 or 3 mil expansion, and 3.7 mil minimum web. This allows for a 0.5mm pitch part to still have full mask between pads. You may need to shave pad widths slightly to get this to work -- it's perfectly acceptable to reduce pad width, by about 0.03 mm (an IPC-7351 side fillet), which may be what's missing to get you a reliable footprint.
0.4mm pitch, and fine pitch BGA (less than 0.7mm or so?) tend to be difficult though, and in that case you may find a more accurate mask is required. LDI (laser direct imaging) has tighter tolerances, making this feasible.
Incidentally, if you ever do a BGA, do yourself a favor and fully tent the vias on the solder side!

Of course for fine pitch BGA more than a row deep, you're pretty much forced into HDI (with via in pad, but the vias are solid filled in an HDI process, so it doesn't matter).
Tim