ERISA–Employee Retirement Income Security Act —  1974

ERISA (every ridiculous idea since Adam) sets minimum standards for most voluntarily established pension and health plans (self insured) in private industry to provide protection for employees and their dependents.

ERISA requires plans to provide participants with plan information including important information about plan features and funding; provides fiduciary responsibilities for those who manage and control plan assets; requires plans to establish a grievance and appeals process for participants to get benefits from their plans; and gives participants the right to sue for benefits and breaches of fiduciary duty.

In general, ERISA does not cover group health plans established or maintained by governmental entities, churches for their employees, or plans which are maintained solely to comply with applicable workers compensation, unemployment, or disability laws. ERISA also does not cover plans maintained outside the United States primarily for the benefit of nonresident aliens or unfunded excess benefit plans.  (Department of Labor’s Web Site)  *


Additional Protections

ERISA Enhancements

Consumer Resources

DOL Overview Page   91 pages 2002 CA Law & ERISA

CNA Third Party ERISA coverage reimburses covered plans for loss due to fraud by a trustee, officer, employee, administrator or a manager including administrators or managers who are independent contractors

USC (United States Code)
Chapter 18 ERISA


Cross Reference USC vs. ERISA

ERISA Enforcement, Civil & Criminal  DOL Site

TITLE 29 – LABOR (Findlaw)

Sec. 1182 ERISA . – a group health plan, and a health insurance issuer offering group health insurance coverage in  connection with a group health plan, may not establish rules for eligibility (including continued eligibility) of any individual to enroll under the terms of the plan based on any of the following health status-related factors

Sec. 1182(b) (1) In general A group health plan, and a health insurance issuer offering health insurance coverage in connection with a group health plan, may not require any individual (as a condition of enrollment or continued enrollment under the plan) to pay a premium or contribution which is greater than such premium or contribution for a similarly situated individuals see also AB 1672

Multiple Employer Welfare Arrangements under the
Employee Retirement Income Security Act (ERISA):
A Guide to Federal and State Regulation

MEWA Guide -

5 comments on “ERISA Employee Retirement Income Security Act — 1974

  1. Welcome to EBSA’s Assistance webpage. We are here to provide you with quick information about our programs and services, provide answers to your questions, and assist you if you believe you have been inappropriately denied a retirement, health, disability, or other ERISA employee benefit.

    We also are here to provide you with information and answer your questions about complying with the federal laws that cover private sector employee benefit plans.

    We can help answer questions on issues such as:

    Lost or stolen pension or other retirement benefits
    Denied health or disability benefits
    Association Health Plans
    Plan administration and compliance
    Check below for answers to your questions or tell us about it.

  2. What’s this about ERISA self funded groups not having to comply with CA State Law or the Department of Insurance?

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