Salary, Health Insurance and Employee Benefits
HMO, PPO, COBRA, 401(k), deductibles, company matches, and flex accounts-what does it all mean? The Internet offers critical tools such as benefits comparison and educational tools, blogs, articles, e-books, and newsletters filled with fresh ideas, in addition to legislative news and updates. In this guide, we'll highlight some of the best HR benefits help on the Web.
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You might think that many employee benefits are just "perks," and for the most part, that's true. However, there are also benefits and employee rights that are protected by law. If you're not sure about the benefits to which you are legally entitled, the Internet can help clarify any questions you may have.
- Government Web sites (with "gov" in the URL) will be some of the most authoritative sources of information you'll find about legal protection of your employee benefits and rights.
- If you find yourself in a legal dispute about your benefits, don't use the Web as your sole source of information. You might need to enlist the help of a qualified professional who can analyze the details of your particular case, whereas much of the information on the Web is very general.
For general legal information about employee benefits...
U.S. Department of Labor Employee Benefits Security Administration
explains that according to the Employee Retirement Income Security Act of 1974 (ERISA), you are entitled to a certain degree of protection for your employee benefits. This article offers a quick summary of the purpose of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), which offers you continuation of health coverage benefits, and the Health Insurance Portability and Accountability Act of 1996 (HIPPA), which protects you from health coverage discrimination.
Alexander Hamilton Institute
has links to the Department of Labor Web sites for each of the 50 states. Simply click your location on the map provided, and you'll be forwarded to a site with work information and laws specific to your state.
For resources that apply to special employment law situations...
U.S. Department of Labor
Employment Standards Administration Wage and Hour Division discusses the Family and Medical Leave Act (FMLA) of 1993 in this Fact Sheet. If you need an extended leave to care for a family member or to handle a personal medical situation, or if you've recently had a baby, you may qualify for coverage under this act. The FMLA mandates that your employer cannot reduce your employee benefits because of your absence.
AllBusiness
teaches that workers' compensation insurance is a type of legal compromise between employers and their workers. If an employee is injured on the job, an employer compensates that worker in return for not becoming part of potentially expensive litigation. When you're finished reading about who qualifies for workers' compensation, browse related articles for more information on the subject-such as how to get a quote on insurance cost.
WorkersCompensation.com
provides information about workers' compensation services for all 50 states. The site organizes information on a state-by-state basis. You'll find necessary forms, rules and statutes, and important phone numbers that you might need if you file a claim.
For help finding a lawyer...
lawyers.com
has several helpful articles about employee benefits, including advice about finding an employee-benefits lawyer to help you if you require assistance. Several employee benefits articles are included on this site, addressing topics such as wages and overtime, equal pay laws, health insurance, and workers' compensation insurance.
Developments in the state and national government have a tremendous effect on daily employee life, ... read more »
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