Akudingi abaqashi ukuba banikeze izinhlelo kodwa babeka amazinga abalulekile abaqashi abakwenzayo.
Ubani olawula ERISA?
I-ERISA ilawulwa yi-Employee Benefits Security Administration (EBSA), ukuhlukaniswa koMnyango Wezabasebenzi wase - US (DOL). Uma unesikhalazo, ukukhathazeka, kanye nemibuzo mayelana nemithetho ye-ERISA, kufanele uqale ngokuxhumana nehhovisi le-DOL langakini. Kukhona nabameli abaningi abasebenza ngokukhethekile emthethweni we-ERISA uma kufanele ube nomthetho wezomthetho njengomsebenzi noma umqashi ofuna ukuxoxa ngawo.
Ubani Okumele Ahlale ERISA Law?
Imithetho yokuvikelwa ngaphansi kwe-ERISA isebenza kuphela kubaqashi abazimele (abangewona uhulumeni) abanikezela ngomshuwalense wezempilo oxhaswe ngumqashi kanye nezinye izinhlelo zokuhlomula kubasebenzi. I-ERISA ayidingi abaqashi ukuba banikele noma yiziphi izinhlelo noma umshuwalense wezempilo noma umhlalaphansi; I-ERISA ibeka imithetho kuphela (izindinganiso ezincane) zezinhlobo ezithile zezinzuzo umqashi akhetha ukunikela kwabasebenzi.
I-ERISA inezilinganiso zayo, futhi kuyinkimbinkimbi yomthetho uma udinga ukuphishekela isimangalo sommeli ngokumelene nomqashi we-ERISA, kodwa kusinikeza ukuvikeleka kwabasebenzi abangase baphoswe ngenxa yokuphathwa kabi kwezimali zezinhlelo zezinhlelo.
Isibonelo, isisebenzi singakwazi ukusola isinqumo sepulani uma engayisebenzisi kahle uhlelo futhi sabangela ukulahlekelwa isisebenzi (s).
Imithetho ye-ERISA ayisebenzi ekuthengeni ngasese, izinqubomgomo zomshwalense noma izinzuzo zomuntu ngamunye.
Imithethonqubo eyengeziwe eqondisa izinhlelo ze-ERISA ezihlanganisiwe zihlinzekwa ngaphansi kweNqubo Yezinqubo Zokuthola Izinzuzo (29 CFR 2560.503-1). Lezi ziqondiso zibeka (futhi ziguquke kakhulu) ukuthi izinzuzo zenziwa kanjani uma umsebenzi efaka isicelo sokumangalelwa. Lezi zindinganiso zilawula ukuthi izimangalo, izikhalazo, nezinqumo zingenziwa kanjani, kanye namalungelo amasha okudalula abasebenzi abenza izicelo.
Yiziphi Izinhlinzeko Ngaphansi kwe-ERISA?
Ngokusho kwe-TASC, umqondisi we-third-party owaziwayo, u-ERISA ulawula futhi usethe izindinganiso nezidingo ze:
- Ukuziphatha: Imithetho ye-ERISA ilawula ukuphathwa kokunakekelwa okuphethwe (okungukuthi, i-HMOs) nezinye izikhombisi (lowo muntu ophethe imali ngokwezokuphatha).
- Ukubika nokuziphendulela: ERISA idinga ukubika okuningiliziwe nokuphendula kuhulumeni wesifundazwe.
- Ukudalulwa: Ukunikezwa okunye okumele kuhlinzekwe kufanele kuhlinzekwe ukuhlela abahlanganyeli (okungukuthi Isingeniso Sokuhlela kubeka ngokucacile ukuthi yiziphi izinzuzo ezinikezwayo, yiziphi imithetho zokuthola lezo zinzuzo, ukulinganiselwa kohlelo, kanye neminye imihlahlandlela yokuthola izinzuzo ezifana nokuthola ukuhanjelwa kusengaphambili ngokuhlinzwa noma ukuhambela udokotela);
- Ukulondolozwa Kwezinqubo : I- ERISA idinga ukuthi inqubomgomo ebhaliwe isungulwe mayelana nokuthi izimangalo kufanele zifakwe kanjani, kanye nenqubo yokubhaliwe ebhaliwe yezicelo eziphikisiwe. I-ERISA idinga futhi (nakuba ulimi lungahle lwenzeke) oluthi izikhalazo ziqhutshwe ngendlela efanele futhi ngesikhathi esifanele.
- Ukuvikelwa Kwezezimali Nezicathulo Ezingcono: I- ERISA yenza njengesivikelo sokuqinisekisa ukuthi izimali zepulani zivikelwe futhi zithunyelwa ekuthandeni okuhle kwamalunga ohlelweni. I-ERISA iphinda ivimbele imikhuba yokubandlulula ekutholeni, nokuqoqa, ukuhlela izinzuzo kubantu abafanelekile.
Ezinye izindawo zenziwe ngaphansi kwe-ERISA
I-ERISA ichitshiyelwe ukufaka izindawo ezimbili ezengeziwe ezithinta ngokuqondile umshuwalense wezempilo. Le mithetho yilezi:
- Umthetho Wokuhlanganiswa Kwemali Yezokuhlaziywa Kwezimali Ze-Omnibus ka-1985 (COBRA); futhi
- Umthetho we-Health Insurance Portability and Accountability Act ka-1996 ( HIPAA ).