Can a insurance company change your insurance on you without your approval.

To answer your question, no they cannot. I would suggest, however, that a company like United Health Care would almost always provide you notice...

You did not really ask a question. You mentioned life changing events which is usually a COBRA issue, but you did not mention whether you went on...

Can a 12 employee company offer health insurance to executives only?

It is illegal under ObamaCare to discriminate in the provisions of health care. How discrimination is defined and how it will apply are not yet...

Is it required that an employer offer the same benefit(s) to all employees?

I think you are asking the following. Prior to now, your employer offered to cover you for a fixed monthly amount taken out of your paycheck. In...

Who is knows about ERISA, Retirement Law

ROBS are an urban legend that are really prohibited transactions that result in the disqualification of the IRA holding the assets. IRAs are...

My Deferred Comp. company is denying me emergency funds from my account. Is there a way to get my money?

You have not provided enough information. When you say "deferred compensation" I can only assume that you mean a non-qualified deferred...

It is possible, but highly unlikely. Defined benefit plans like the WRS rarely allow participants to take out loans. Check with your employer or...

How long can my employer hold my 401k contribution before they deposit it into my account?

The Company has a very limited amount of time to deposit amounts withheld from your paycheck. While it will vary from employer to employer, it is...

Mandatory retirement payments after age 70 1/2.

It is mandatory for each individual and it must be satisfied from one or all of your retirement plans.

Can your previous employer end your health benefits retroactively causing you to owe them for doctor visits after severance?

In general, when you pay a health insurance premium, it covers you for the entire month. I would double check with the employer that your share of...