Phunzirani za Erisa ndi Chimene Chikuphimba

ERISA amaimira The Employee Retirement Income Security Act ya 1974. Ndilamulo la federal limene limagwira ntchito kwa antchito ambiri, koma osati kwa onse. Njira yosavuta kumvetsetsa ERISA ndikuti imakhazikitsa mfundo zochepa zapuma pantchito (penshoni), thanzi, ndi mapulani ena othandizira phindu la umoyo (kuphatikizapo inshuwalansi ya moyo, inshuwalansi yaumphawi , ndi mapulani a ophunzira) kuti ateteze antchito, komanso kuteteza olemba ntchito.

Sichimafuna olemba ntchito kuti apereke mapulani koma amaika mfundo zofunika kwa olemba ntchito omwe amachita.

Ndani Amayang'anira ERISA?

ERISA ikuyendetsedwa ndi Employee Benefits Security Administration (EBSA), kugawa kwa US Department of Labor (DOL). Ngati muli ndi madandaulo, nkhawa, ndi mafunso okhudza malamulo a ERISA, muyenera kuyamba mwa kulankhula ndi ofesi ya DOL yanu. Palinso amilandu ambiri omwe amagwiritsa ntchito malamulo a ERISA ngati muli ndi lamulo ngati wogwira ntchito kapena wogwira ntchito yomwe mukufuna kukambirana.

Ndani Ayenera Kukhala ndi ERISA Law?

Malamulo otetezera pansi pa ERISA amagwiritsidwa ntchito kwa ogwira ntchito okhaokha (omwe si boma) omwe amapereka inshuwalansi yothandizira inshuwalansi ndi zina zothandiza phindu kwa ogwira ntchito. ERISA sakufuna olemba ntchito kuti apereke mapulani alionse inshuwalansi ya umoyo kapena kupuma pantchito; ERISA amangokhazikitsa malamulo (osachepera miyezo) kwa mitundu ina ya madalitso omwe abwana amasankha kupereka kwa antchito.

ERISA ili ndi malire ake, ndipo ndi malo ovuta kwambiri a malamulo ngati mukufuna kukonza mlandu wotsutsana ndi ERISA wolemba ntchito, komabe zimatetezera antchito omwe angapunthwe chifukwa cha kusayendetsedwa kwachuma kwa fiduciaries.

Mwachitsanzo, wogwira ntchito akhoza kumangokhalira kulumbirira chikhulupiliro cha ndondomeko ngati atayendetsa bwino dongosololo ndipo amachititsa kuti awonongeke.

Malamulo a ERISA sakugwiritsanso ntchito malonda omwe adagulidwa payekha, inshuwalansi kapena mapindu.

Zowonjezera malamulo otsogolera olamulira a ERISA omwe adakambidwa amaperekedwanso pansi pa Bene Bene Claim Claims Procedure Regulation (29 CFR 2560.503-1). Malamulo awa amasonyeza (ndi kusintha kwakukulu) momwe ubwino umatsimikiziridwa pamene wogwira ntchito akulemba. Malamulo awa amayendetsa momwe zifukwa, zofunsira, ndi zosankha zingapangidwe, komanso ufulu woloza anthu ogwira ntchito.

Kodi Zili Zotani Pansi pa ERISA?

Malingana ndi TASC, wolamulira wodziwika bwino wa chipani chachitatu, ERISA amalamulira ndikukhazikitsa mfundo ndi zofunika pa:

• Kuchita: malamulo a ERISA amayendetsa khalidwe la chisamaliro chosamaliridwa (mwachitsanzo, ma HMO) ndi zina zotengera (munthu yemwe ali ndi ndalama pa dongosolo la kayendetsedwe ka ntchito).
• Kufotokozera ndi Kuyankhapo: ERISA imafuna kupereka malipoti komanso kuyankha kwa boma la federal.
• Kulongosola: Zimalonjezedwa kuti zikonzedwe kukonzekera ophunzira (mwachitsanzo, ndondomeko ya ndondomeko yowonjezera zomwe zikuwunikira, zomwe zikuwunikira phindu, zoperewera, ndondomeko zowonjezereka, ndi zowonjezereka zopezera mapindu monga kupeza maulendo otsogolera opaleshoni kapena oyendera madokotala);

• Ndondomeko zotetezera: ERISA imafuna kuti lamulo lolembedwera likhazikitsidwe pa momwe chiwerengero chiyenera kukhalira, komanso ndondomeko yowunikira yotsutsa zomwe zatsutsidwa. ERISA amafunanso (ngakhale kuti chinenero chiri cholakwika) chomwe chimafuna kuti zopempha zichitike moyenera komanso panthaŵi yake.
• Chitetezo chachuma ndi Chofunika kwambiri : ERISA amachita monga chitetezo kuti atsimikizire kuti ndondomeko ndalama zimatetezedwa ndikuperekedwa mwabwino kwambiri ndi omwe akukonzekera. ERISA imaletsanso zotsutsana pakupeza, ndi kusonkhanitsa, kukonza mapindu kwa anthu oyenerera.

Mipingo ina yowonjezera pansi pa ERISA

ERISA yasinthidwa kuti iphatikize mbali zina ziwiri zomwe zikuwongolera makamaka inshuwalansi ya umoyo. Malamulo awa ndi awa:

• Consolidated Omnibus Budget Reconciliation Act ya 1985 (COBRA); ndi

• Bungwe la Health Insurance Portability Act la 1996 ( HIPAA ).