Regulatory Guidance

What Laws Govern Your Employee Benefits Program?

ERISA, the Employee Retirement Income Security Act, was passed in 1974 mainly to address retirement plans that failed to live up to promises. Additionally, Congress included coverage of welfare benefit plans under ERISA, which encompassed employer-sponsored benefit plans such as health, dental, vision and life insurance. Since 1974, Congress has passed legislation updating ERISA and incorporating COBRA and HIPAA and now PPACA into welfare benefit plans. These laws create a complex minefield for the untrained employer. Our Client Resource Team can assist you and your professional advisors in recognizing many of the traps that ensnare employers and in analyzing the terms of ERISA coverage.


FMLA / ADA / Workers' Compensation

Federal Government Tightens Enforcement of Immigration Laws

Since 2009, U.S. Immigration and Customs Enforcement (ICE) have aggressively pursued a worksite enforcement strategy designed to hold employers accountable for hiring and maintaining a legal and compliant workforce. This enforcement effort has seen the number of worksite audits more than double with an excess of 3,000 notices per year and the amount of administrative fines increase from $1 million to more than $12 million per year. The Client Resource Team can help you be prepared for a potential ICE audit and reduce the risk of employer sanctions.

I-9 Immigration

Investment and Insurance Products: