The Department of Labor’s Employee Benefits Security Administration (EBSA) assures the security of the retirement, health and other workplace related benefits of America’s workers and their families. EBSA accomplishes this mission by developing effective regulations; assisting and educating workers, plan sponsors, fiduciaries, and service providers; and vigorously enforcing the law.
EBSA is the federal agency responsible for administering and enforcing the Employee Retirement Income Security Act of 1974 (ERISA), which provides a number of rights and protections for private-sector retirement and health plan participants and their beneficiaries. If you have health coverage through a private sector employer plan, you have probably heard of some other laws to protect these benefits for you and your family - such as COBRA, HIPAA and more recently, the Patient Protection and Affordable Care Act (the Affordable Care Act). EBSA administers these laws as well. Have you been wondering how the Affordable Care Act will affect your health plan and you? Have you had questions about your own plan? It is important to know your benefit rights so that you can make informed decisions when necessary to keep or get health coverage. It is also important to know where you can go for help if you have questions about your rights or your benefit plan.
EBSA enforces the law by informally resolving benefit disputes, conducting investigations, and seeking correction of violations of the law, including bringing lawsuits when necessary.
EBSA has Benefits Advisors committed to providing individual assistance to participants and beneficiaries. Participants will receive information on their rights and responsibilities under the law and help in obtaining benefits to which they are entitled.