Do I Have an ERISA Benefit Plan (and don’t even know it)?
There is a good chance that you do. ERISA, the Employee Retirement Income Security Act of 1974, is a complex Federal statute that regulates and applies to MOST employee benefits.
ERISA applies to numerous types of benefit plans:
- Defined-benefit and defined-contribution retirement funds (pensions).
- Insurance plans, including HMO/group insurance plans, such as health and medical care insurance.
- Health savings accounts (HRAs) that are funded through pre-tax contributions.
- Flexible spending accounts (FSAs).
- Dental insurance plans.
- Prescription drug plans.
- Vision plans.
- Disability insurance.
- Long-term care insurance plans.
- Business travel insurance.
- Unemployment benefits.
- Scholarship plans.
- Housing assistance plans.
- Training plans.
- Vacation plans.
- Pre-paid legal service plans.
If you have been denied benefits, and think it may be an ERISA benefit plan, it is critical to speak with an experienced ERISA lawyer right away. ERISA is a complicated statute, and there are often short deadlines. Don’t wait to set up a free consultation today!