Employment-based Benefits and Health Insurance

Below you will find links to written information, forms, and also how to ask a lawyer a question and/or how to get a lawyer to represent you. Some areas of the state have more information than others.  You may wish to look at information from other areas as well as your own.

 

Legal Information:

 

Consumer Information on Employment-related Health Plans

"The Department of Labor's Employee Benefits Security Administration (EBSA) provides a web page dedicated to consumer information on health plans to provide health plan participants and their beneficiaries with information on their rights under the federal health benefits law with respect to their job-based plans. The information ranges from general information on the law to numerous specific issues."  U.S. Dept. of Labor  Click on the link above to visit the U.S. Department of Labor's website.  

 

Continuation of Health Coverage — COBRA

"The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events."  - U.S. Dept. of Labor.  Click on the link above to visit the U.S. Department of Labor's website.  

 

Continuing Insurance Through COBRA - Frequently Asked Questions 

Click on the link above to see Tennessee's Partners for Health page.  

 

Family and Medical Leave Act

"The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave."  - U.S. Dept. of Labor.  Click on the link above to visit the U.S. Department of Labor's website.   

 

Retirement And Health Care Coverage...Questions and Answers For Dislocated Workers

Click on the link above to visit the website of the Employment Benefits Security Administration.  

 

Portability of Health Coverage (HIPAA)

"The Health Insurance Portability and Accountability Act (HIPAA) provides rights and protections for participants and beneficiaries in group health plans. HIPAA includes protections for coverage under group health plans that limit exclusions for preexisting conditions; prohibit discrimination against employees and dependents based on their health status; and allow a special opportunity to enroll in a new plan to individuals in certain circumstances. HIPAA may also give you a right to purchase individual coverage if you have no group health plan coverage available, and have exhausted COBRA or other continuation coverage."  - U.S. Dept. of Labor.  Click on the link above to visit the U.S. Department of Labor's website.   

 

Federal Compensation Programs

"The Office of Workers' Compensation Programs administers four major disability compensation programs which provide wage replacement benefits, medical treatment, vocational rehabilitation and other benefits to certain workers or their dependents who experience work-related injury or occupational disease." - U.S. Dept. of Labor.  Click on the link above to visit the U.S. Department of Labor's website.   

 

Workers Compensation - Tennessee 

"The Bureau of Workers’ Compensation administers the Tennessee Workers’ Compensation Act, assisting both employees and employers in minimizing the impact of work-related injuries. The Bureau’s programs are designed to provide timely and effective services that help injured employees return to their health and jobs as quickly as possible. Informing all parties of their rights and responsibilities, these programs promote a better understanding of the benefits and requirements provided by the Workers’ Compensation Act."  TN Dept. of Workforce and Labor Development.  

 

 

Legal Advice:

 

Volunteer Lawyers Who Will Answer Questions for Free Online

How it works:  

  1. We'll ask you some questions to see if we can help you. If we can help, you'll make an account.
  2. Ask your non-criminal legal question. 
  3. We will e-mail you when your question receives a response. Come back to the web site and sign in to read the response.

 

 

Forms:

 

Standard Court Forms for all of Tennessee

 

Find Representation:

 

Directory of Legal Aid Attorneys and Other Agencies by County

 

Additional Resources:

 

Resources on Benefit Denials and Appeals Under ERISA

Most employer-sponsored group health insurance is subject to the federal Employee Retirement Income Security Act of 1976 (ERISA).

 

 

 

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