THE LAW. The Employee Retirement Income Security Act of 1974 (ERISA) governs the administration of private employers'and the rights of plan beneficiaries. Congress passed the law in response to perceived retirement-plan abuses by private companies. But ERISA covers many other areas beyond retirement benefits, including:
Under ERISA, employees can participate in your plan if they are age 21 with at least one year of service (any 12-month period in which they work 1,000 hours or more).
ERISA pre-empts state laws relating to (register to read more)with a few exceptions regarding insurance, banking or securities laws. Government benefit plans, foreign plans, church plans...
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