Archive for August, 2009
What is HIPAA?
HIPAA stands for the Health Insurance Portability and Accountability Act of 1996. It is a federal law written with the intent to provide improved portability and continuity of health insurance coverage. (While the law applies to the health plans of most employers, certain non-federal governmental self-funded plans are allowed to
What qualifies one for a leave under FMLA?
You must be granted unpaid leave for any of the following reasons: The birth of your child or to care for your child after birth (the leave must be completed within 12 months of the birth). The placement of a child with you for adoption
Family and Medical Leave Act of 1993
The federal Family and Medical Leave Act (FMLA) requires covered employers to provide up to 12 weeks of unpaid, job-protected leave to “eligible” employees for certain family and medical reasons. Certain states may have similar leave laws; however, state laws are not discussed here. For
What is ERISA?
ERISA, the Employee Retirement Income Security Act of 1974, governs most employee benefit plans. It is administered by the U.S. Department of Labor. The law gives certain rights to employees and gives employers certain responsibilities to act on the behalf of employees. Note: A complete list
How long may I keep COBRA coverage?
Depending on the circumstances, the coverage may be kept for up to 18, 29, 36 months (or potentially even for life for certain retirees of bankrupt companies) under federal law — state law may expand benefits in some cases. The following chart shows the length of coverage under
What are the Qualifying Events that make one eligible for COBRA?
For Employee / Former Employee: Reduction in your hours of employment or the termination of your employment (for reasons other than gross misconduct on your part); and Or if you are a retiree and your employer has filed for Chapter 11 reorganization. Note: Since 2000,
State & Federal Programs
The federal government has enacted several laws that impact employee benefits. Click on the link for detailed information for a particular program. COBRA ERISA FMLA HIPAA
What is COBRA coverage?
COBRA is an acronym for the federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985. It applies to most businesses that have twenty or more employees on an average business day for that company in the prior calendar year. (Some states have similar laws
Separation / Divorce
When your relationship reaches a point where it seems necessary to part ways, you might find that divorce is the only viable option. Or, you might decide on a separation, which gives you both the chance to assess your feelings and expectations concerning the relationship.
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