Mandatory Retirement Laws
Health Plans & Benefits
Employee Retirement Income Security Act — ERISA
DOL Web Pages on This Topic
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for most voluntarily established pension and health plans in private industry to provide protection for individuals in these plans.
ERISA requires plans to provide participants with plan information including important information about plan features and funding; provides fiduciary responsibilities for those who manage and control plan assets; requires plans to establish a grievance and appeals process for participants to get benefits from their plans; and gives participants the right to sue for benefits and breaches of fiduciary duty.
There have been a number of amendments to ERISA, expanding the protections available to health benefit plan participants and beneficiaries. One important amendment, the Consolidated Omnibus Budget Reconciliation Act (COBRA), provides some workers and their families with the right to continue their health coverage for a limited time after certain events, such as the loss of a job. Another amendment to ERISA is the Health Insurance Portability and Accountability Act (HIPAA) which provides important new protections for working Americans and their families who have preexisting medical conditions or might otherwise suffer discrimination in health coverage based on factors that relate to an individual's health. Other important amendments include the Newborns' and Mothers' Health Protection Act, the Mental Health Parity Act, and the Women's Health and Cancer Rights Act.
In general, ERISA does not cover group health plans established or maintained by governmental entities, churches for their employees, or plans which are maintained solely to comply with applicable workers compensation, unemployment, or disability laws. ERISA also does not cover plans maintained outside the United States primarily for the benefit of nonresident aliens or unfunded excess benefit plans.
DOL Web Pages on This Topic
Compliance Assistance
Provides publications and other materials to assist employers and employee benefit plan practitioners in understanding and complying with the requirements of ERISA as it applies to the administration of employee pension and welfare benefit plans.
Consumer Information on Health Plans
Provides fact sheets, booklets, and other health plan information from the Department's Employee Benefits Security Administration (EBSA).
Contact Us
Subscribe to E-mail Updates:
More info...
RSS Feeds
Compliance Assistance
elaws — Employment Law Advisors
About DOL
Budget & Performance Information
American Recovery and Reinvestment Act Information
Newsroom
Events Calendar
Doing Business
With DOL
Freedom of Information Act (FOIA)
Other Resources
Business.gov
Career Voyages
DisabilityInfo.gov
Disaster Recovery Assistance
GovBenefits.gov
HireVetsFirst.gov
MyMoney.gov
No Fear Act — Equal Employment Opportunity Data Posted Pursuant to the No Fear Act
PandemicFlu.gov
Regulations.gov
USA Freedom Corps
USA.gov
The White House
Wirtz Labor Library
Back to Top
--------------------------------------------------------------------------------
Frequently Asked Questions | Freedom of Information Act | Privacy & Security Statement | Disclaimers
Customer Survey | E-mail This Page | Important Notices
U.S. Department of Labor, Frances Perkins Building, 200 Constitution Ave., NW, Washington, DC 20210
www.dol.gov | Telephone: 1-866-4-USA-DOL (1-866-487-2365) | TTY: 1-877-889-5627 Contact Us
Votes:34
Comments: 0