New Jersey and every other state in the union must adhere to ERISA law. ERISA is a system that seek to protect employees from private employers who offer their employees certain plans such as profit-sharing and health care plans, to name a few. Private employers must...
IRAs, disabilities and workers
Several different instruments are available for retirement savings. Many New Jersey residents have a 401(k) or 403(b) through their employers. Recently, the idea of automatic IRAs has been gaining ground. They provide important advantages for small employers. They're...
How to file an ERISA appeal in New Jersey
The Employee Retirement Income Security Act (ERISA) establishes certain standards for health insurance plans purchased through your employer. These standards include the claim and appeal process, as well as the information that your insurance company is required to...
Do fiduciaries have total control over an ERISA plan?
Retirement plan fiduciaries do, indeed, have major control over most accounts they manage for particular employers with respect to employee retirement funds. Employees are often also bound by income tax laws for some accounts, such as a 401(k) retirement savings...
Protection under ERISA for participants of benefits plans
While employers are not required to offer benefits to their workers, many employees in New Jersey receive health insurance and other perks through their jobs. Benefits plans that are offered by private employers are covered by the requirements of the Employee...
There are signs your 401k may be being tampered with
New Jersey residents know that their 401k plans will help them live comfortably after they retire. They pay into their plans every year to make sure that when they retire, they have the money that they need to continue to live comfortably. They have every right to...
Workers file ERISA lawsuit against AT&T
Employer-sponsored pension plans in New Jersey and around the country must meet standards laid down by the Employee Retirement Income Security Act. When these standards are not met, employees may file lawsuits against their employers in federal court. One such lawsuit...
Two large corporations face lawsuits with ERISA a factor
New Jersey workers often rely on their pensions and disability insurance as safety nets for the future. ERISA is a fundamental part of protecting workers from employer wrongdoing in these areas. Still, companies are often accused of misdeeds by violating regulations...
Rights on appeal for non-ERISA and ERISA disability claims
People in New Jersey who have private or employer-sponsored temporary or long-term disability insurance may have an important financial safety net if they suffer disabling injuries or illnesses that prevent them from returning to their jobs temporarily or permanently....
Value of ERISA benefits open to legal challenges
The Employment Retirement Income Security Act of 1974, more popularly known as ERISA, protects the retirement incomes of individuals in New Jersey and throughout the country. When disputes arise over ERISA benefits, an "actuarial equivalence" challenge might arise....
