Dzidza Pamusoro peErisa uye Zvainovhura

ERISA inomirira The Employee Retirement Income Security Act muna 1974. Iri mutemo wezvematongerwo enyika unoshanda kune vakawanda vashandirwi, asi kwete kune vose. Nzira yakanakisisa yokunzwisisa ERISA ndeyekuti inogadzira zvishoma zvishoma zvekurega basa (zvirongwa zvemari), utano, nezvimwe zvirongwa zvehupfumi (kusanganisira inshurensi yehupenyu, inshurensi yehurema , uye zvirongwa zvekudzidzira) kuchengetedza vashandi, asiwo kuchengetedza vashandi.

Hazvidi kuti vashandi vape zvirongwa asi vanoisa mazano anokosha kune vashandi vanoita.

Ndiani anotungamirira ERISA?

ERISA inotungamirirwa neH employyee Benefits Security Administration (EBSA), kupatsanurwa kweUnited States of Labor (DOL). Kana uine zvichemo, zvinonetsa, uye mibvunzo pamusoro pemutemo weE ERISA, unofanira kutanga nokutaura neDOL office yako yekune imwe nzvimbo. Kunewo magweta akawanda anonyanya kumira muE ERISA mitemo unofanira kunge une nyaya yepamutemo kana somushandi kana mushandi waunoda kukurukura.

Ndiani Anofanira Kurarama naErissa Law?

Mitemo inodzivirira iri pasi pe ERISA inoshanda chete kuvashandi vega voga (kwete gavhuna) inopa vashandi-vanobhadhara utano hwehutano inshuwarheni uye zvimwe zvirongwa zvekubatsira kuvashandi. ERISA haidi kuti vashandi vape chero zvirongwa kana inshuwalhu yehutano kana kuti kubhadhara; ERISA inongogadzirisa mitemo (zvishoma nezvishoma) kune mamwe marudzi emhando iyo mushandirwo anosarudza kupa kune vashandi.

ERISA ine zvikwereti zvayo, uye inzvimbo yakaomesesa yemutemo kana iwe uchida kutsvakira mhosva yehurumende pamusoro pe ERISA mushandirwi, asi inoramba ichipa kuvadzivirira kune vashandi vangangodaro vakanganisa nekuda kwekusasarudzwa kwemari kwehutano fiduciaries.

Semuenzaniso, mushandi angakwanisa kukwidza fiduciary ye chirongwa kana iye asina kutora chirongwa ichi uye akaita kuti kurasikirwa kumushandi (s).

ERISA mitemo haishandisi kune pega zvakatengwa, munhu mumwechete inshuwarisi mitemo kana zvikwereti.

Zvimwe zvinyorwa zvinotungamirirwa neE ERISA zvakarongwa zvirongwa zvakare zvinowanikwa pasi peB Benefit Claims Procedure Regulation (29 CFR 2560.503-1). Iyi mitemo inotaura (uye inoshanduka chaizvo) kuti zvikwaniso zvakatemwa sei kana mushandi akashandisa kudai. Iyi mitemo inodzora kutonga, kubvunzurudzwa, uye zvisarudzo zvinogona kuitwa, pamwe chete nekodzero dzekuzarura vashandi vanoita zvirevo.

Ndezvipi Zvigadziriswa pasi pe ERISA?

Maererano neTASC, mutongi anozivikanwa wechitatu wepambani, ERISA anoronga uye anogadza zvinodiwa ne:

• Mufambiro: ERISA mitemo inoronga maitiro ekuchengetedzwa kwakachengetedzwa (kureva, maHMO) uye mamwe mafidhiari (munhu ari mune zvemari anotarisira urongwa hwehutungamiri).
• Kutaurirana uye Kuzvidavirira: ERISA inoda kuparidzirwa kwehupfumi uye kubhadhara kune hurumende yehurumende.
• Zvinyorwa: Zvimwe zvinyorwa zvinofanira kugoverwa kuronga vatori vechikamu (kureva chirongwa chekugadzirisa zvinoratidzika zvinonyatsorondedzera zvipi zvinopiwa zvinoti, mitemo ndeipi yekuwana zvikomborero, hurongwa hwepurogiramu, uye mamwe mazano ekuwana rubatsiro rwakadai sekuwana kutumira mberi kwekuvhiyiwa kana chiremba anoshanyira);

• Nzira dzekuchengetedzwa kwekambiso : ERISA inoda kuti chinyoreswa chakanyorwa chinyatsogadziriswa maererano nezvingafanirwa kutongwa sei, pamwe chete nekodzero yekunyora yakanyorerwa yezvirevo zvinorambidzwa. ERISA inodawo (kunyange zvazvo mutauro wacho wakangoerekana wakasununguka) uyo unoti zvikumbiro zviitwe nenzira yakanaka uye yakakodzera.
• Zvemari uye Best-Interesting Protection: ERISA inoshanda senzira yekuchengetedza kuvimbisa kuti mari yeurongwa yakachengetedzwa uye inowanikwa mune zvakanakisisa kune avo varongwa. ERISA inorambidzawo maitiro ekusarura pakuwana, uye kuunganidza, kuronga zvikwereti kune avo vanogona.

Dzimwe Nzvimbo dzakasimbiswa Pasi pe ERISA

ERISA yakagadziriswa kuti inyore dzimwe nzvimbo mbiri dzinonyanya kuronga inshuwarano yehutano. Mitemo iyi ndeyi:

• The Consolidated Omnibus Budget Reconciliation Act ya1985 (COBRA); and

• Health Health Portability and Accountability Act muna 1996 ( HIPAA ).