Most employers offer employment benefits in addition to the wages paid, including such benefits as defined contribution pensions, defined benefit pensions, life insurance, short or long term disability, severance plans, health insurance, cafeteria plans, ESOPs, profit-sharing, 401k’s or the like.
Federal & State Laws
Federal and state laws provide protection for certain of these benefits, particularly the Employee Retirement Security Act (ERISA) and the Consolidated Omnibus Budget Reconciliation Act (COBRA). In addition state insurance regulations may be applicable to specific issues.
Where the matter is not covered by law and regulation, your rights may also be protected as a matter of contract between you and your employer.
We offer counseling and advice for concerns or questions about your rights or your claim for benefits.