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Genetic Tests and Group Health Plans
The Genetic Information Nondiscrimination Act of 2008 (GINA) amends ERISA to restrict the collection and use of genetic information in connection with group health benefits.

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Employee Trusts
The objective of this program is to provide financial assistance to Employee Stock Ownership Plans. The employee trust must be part of a plan sponsored by the employer company and qualified under regulations set by either the Internal Revenue Service Code (as an Employee Stock Ownership Plan or ESOP) or the Department of Labor (the Employee Retirement Income Security Act or ERISA). Applicants covered by the ERISA regulations must also secure an exemption from the Department of Labor regulations prohibiting certain loan transactions.

Genetic Tests and Group Health Plans
The Genetic Information Nondiscrimination Act of 2008 (GINA) amends ERISA to restrict the collection and use of genetic information in connection with group health benefits.

Disturbing Trend in Michigan: Disability Claims Approved And Then Abruptly Taken Away Within a Year
Insurance companies sell group policies that some courts have ruled provide little or no coverage. Congress approved ERISA to “protect” employees’ pensions but in doing so unwittingly gave disability insurance companies a free pass to play the game on a field that is not level. That practice has been challenged by a lawsuit against insurance giant UnumProvident (Unum) charging that the insurance carrier devised a scheme to illegally deny or terminate the long-term disability claims of thousands of people in violation of ERISA.

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