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Pensions & Health Insurance

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  • Employee Benefits Security Administration (EBSA)

    The ESBA website provides quick information about their programs and services, provides answers to your questions, and assists you if you believe you have been inappropriately denied a retirement, health, disability, or other ERISA employee benefit. Content Detail

    By:
    U.S. Department of Labor
  • Health Insurance Portability and Accountability Act (HIPAA)

    The Health Insurance Portability and Accountability Act (HIPAA) provides rights and protections for participants and beneficiaries in group health plans. HIPAA includes protections for coverage under group health plans that prohibit discrimination against employees and dependents based on their health status; and allow a special opportunity to enroll in a new plan to individuals in certain circumstances. Content Detail

    By:
    U.S. Department of Labor
  • Life Changes and Health Coverage Choices

    Know Your Benefit Options- What you need to know and do about your health benefits during life changes like when you get married, have children, get divorced, and more. Content Detail

    By:
    U.S. Department of Labor
  • Louisiana State Employees' Retirement System (LASERS) Forms

    Download the forms you need. Information about the retirement system for state employees. Content Detail

    By:
    State of Louisiana
  • Pension and Health Care Coverage After Changing Jobs or Job Loss

    What if your health care coverage ends because you lose your job, have your hours reduced, or get laid off? You may have rights to certain health and retirement benefit protections even if you lose your job. Content Detail

    By:
    U.S. Department of Labor
  • PensionHelp America

    Have a question about your retirement plan? Not sure where to turn for help? PensionHelp America can connect you with counseling projects, government agencies, and legal service providers that offer free information and assistance. By leading you through a series of questions, PensionHelp America will put you on the path to getting the help you need. Content Detail

    By:
    Pension Rights Center
  • Understanding COBRA Health Benefits

    The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) benefits employees and other beneficiaries of employment-related group health care plans.   Read More

    By:
    Lagniappe Law Lab
  • Workers' Right to Health Plan Information

    Under ERISA, workers and their families are entitled to receive a Summary Plan Description (SPD). The SPD is the primary document that gives information about the plan, what benefits are available under the plan, the rights of participant and beneficiaries under the plan, and how the plan works. Content Detail

    By:
    U.S. Department of Labor
  • Your Employer's Bankruptcy: How will it Affect your Employee Benefits?

    If an employer declares bankruptcy, it will generally take one of two forms: reorganization under Chapter 11 of the Bankruptcy Code, or liquidation under Chapter 7. A Chapter 11 (reorganization) usually means that the company continues in business under the court’s protection while attempting to reorganize its financial affairs. A Chapter 11 bankruptcy may or may not affect your retirement or health plan. In some cases, plans continue to exist throughout the reorganization process. In a Chapter 7 bankruptcy, the company liquidates its assets to pay its creditors and ceases to exist. Therefore, it is likely your retirement and health plans will be terminated. When your employer files for bankruptcy you should contact the administrator of each plan or your union representative (if you are represented by a union) to request an explanation of the status of your plan or benefits. Content Detail

    By:
    U.S. Department of Labor