| Ten
Steps |
 |
Ten
Steps to Protect the Legal Rights of Patients. Click here
to read document.
|
| ERISA |
|
In
1974 Congress enacted the Employee Retirement Income Security
Act (ERISA). This act covers all employers. This Act prevents
an employee from suing their employer and/or the plan
administrator for punitive damages. If you bring a lawsuit
and win, you are entitled to recover the amount in dispute
and attorney's fees.
According to law, the plans must give participants basic
plan documents and make other documents available to participants
on request.
|
| Summary
Policy |
|
An abbreviated
version of the insurance benefits available to you. This
is typically the booklet you get from the HR person explaining
your insurance benefits.
|
| Master
Policy |
|
The
full insurance policy that is typically kept by the HR
person at a place of employment.
It is important to have both the summary policy and the
master policy because sometimes they are different.
|
| Fiduciary |
|
A
person or institution standing in a relationship of trust
to one or more entities. They must exercise a high standard
of care imposed by law or contract.
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