Ohio Employee Benefits AttorneysEmployers who want to acquire and retain the best talent possible often provide an assortment of employee benefits as part of their employee welfare benefit plan. These benefits often include:
- Retirement Plans
- Health Plans
- Life Insurance Plans
- Disability Insurance
Retirement, Life, Health, and Disability Insurance AttorneysRetirement, life insurance, and disability insurance plans are governed by the federal law known as the Employee Retirement Security Act of 1974 (ERISA). Health insurance plans are governed by a mixture of state laws, ERISA, and the Affordable Care Act (ACA). Evan T. Engler is an attorney and partner at Harris & Engler that works extensively with ERISA insurance benefit issues across Ohio.
Denial of Employee BenefitsERISA provides a number of protections when it comes to employee benefits, or the denial thereof. When it comes to pension plans, ERISA was designed to make sure that pension plans are carefully administered so that there will be the requisite amount of money in the plan when it comes time for the workers to retire.
When it comes to employer provided life insurance and disability insurance, ERISA provides for specific procedures in order to make a claim for benefits, certain requirements of communication from the plan administrators to the plan beneficiaries, and certain procedures that must take place when a claim for benefits is denied.
Private retirement accounts, life insurance, and disability insurance that is purchased or maintained by the individual for their own benefit is unaffected by ERISA and is governed under state law.