BC Advantage - 2023 Issue 8

ERISA - Overview for Healthcare Providers: Part I

In the United States, approximately 88% of the employees who are enrolled in employer-sponsored health insurance benefits have plans that are subject to ERISA regulations. ERISA is the acronym for the Employee Retirement Income Security Act, which is a federal law that was enacted in 1974 to protect employees who participate in employer-sponsored benefit plans.  Among the employer-sponsored plans that are covered under ERISA are health insurance plans, retirement plans, disability plans, and life insurance plans.  It is important to note that not all employers that offer employee benefits are subject to ERISA. Employer sponsored plans...

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