Mintz, Levin, Cohn, Ferris, Glovsky and Popeo, P.C.
   

 

 

ERISA Wrap Document

 

ERISA and the Affordable Care Act impose significant documentary and substantive demands upon employers, health plans, and other welfare benefit plans. In addition to ERISA’s long-standing plan document and summary plan description requirements, the ACA’s insurance market and other reforms impact the design and maintenance of ERISA-covered group health plans, and give rise to new substantive rights that create new challenges — many of which can be well-managed with effective documentation and communications. With these new requirements comes the certainty of increased government audits and penalties.

For ERISA-covered welfare benefit plans, a wrap document allows an employer to use one document to fulfill the plan and the summary plan description requirements for multiple welfare benefit plans. In addition, employers can use a wrap document to communicate information about the health care and other coverage available to employees and their dependents, including eligibility standards.

We have developed a form ERISA wrap document that is intended to assist employers to comply with these requirements. Please fill out the form below to request a sample. (This is only a sample. We caution that the document should be tailored to each employer’s particular needs and situation with the assistance of a benefits professional).

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