Employer-Provided Insurance Is Different
But whereas traditional insurance is subject to state laws and disputes can be tried before juries, with the potential for punitive damage awards, policies sold through employers typically fall under the 1974 federal Employee Retirement Income Security Act, or Erisa—with a federal judge ruling on disputes and no damages allowed.
Source: Wall Street Journal
I think the employers got a sweet deal in all of this.
Doesn’t seem fair.
I agree with Vicki.
The only way employers (mostly large) can get around the convoluted state mandated benefit laws is to self-insure.
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