Written by attorney McKean J. Evans

What is ERISA and How Does It Affect Your Rights?

If you have health plan or similar insurance through your employer, you may encounter the term “ERISA” in the context of your benefits. ERISA gives you important rights that help you ensure your benefits plan acts fairly. This is a short overview of some of those rights.

Additional resources provided by the author

If you have questions about your benefits under an ERISA plan, you may find it helpful to contact the administrator of your benefits plan and request the Summary Plan Description and other plan documents. Pursuant to ERISA, 29 USC § 1132, plan administrators must generally provide participants with the plan documents within 30 days of a request. If you have questions about ERISA generally, a potential resource is the U.S. Department of Labor’s Employee Benefits Security Administration, which has authority over ERISA plans. EBSA has an ERISA Frequently Asked Questions page at the link below.

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