Millions of Americans participate in employer-sponsored retirement plans, though many people know little about their plans or their rights under the law. When individuals work for a private sector employer, these plans are almost always governed by the Employee Retirement Income Security Act of 1974 (ERISA), which is a federal law that purports to protect the rights of
Many employers offer a type of insurance called accidental death and dismemberment (AD&D) coverage. This is a type of policy that supplements a life insurance policy, often increasing - or even doubling - the benefits you or your family receives under certain circumstances. If you choose to carry AD&D coverage, you should understand what it does and does
Many employers offer long-term disability (LTD) insurance policies intended to protect an employee’s financial interests in the event they cannot work due to a lasting mental or physical disability. But how much can you expect for your LTD payments if you become disabled? It is important to be familiar with your right to benefits so you can make
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