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Employee Benefit Security

HomeEmployer/Employee IssuesEmployee Benefit Security

Employee Retirement Income Security Act (ERISA) regulates employers and employee benefit security who offer pension or welfare benefit plans for their employees.

Title I of ERISA is administered by the Employee Benefits Security Administration (EBSA) (formerly the Pension and Welfare Benefits Administration) and

imposes a wide range of fiduciary, disclosure and reporting requirements on fiduciaries of pension and welfare benefit plans and

on others having dealings with these plans.

These provisions preempt many similar state laws.

Under Title IV, certain employers and plan administrators must fund an insurance system to protect certain kinds of retirement benefits,

with premiums paid to the federal government’s Pension Benefit Guaranty Corporation (PBGC).

EBSA also administers reporting requirements for continuation of health-care provisions,

required under the Comprehensive Omnibus Budget Reconciliation Act of 1985 (COBRA) and

the health care portability requirements on group plans under the Health Insurance Portability and Accountability Act (HIPAA).

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