There are certain benefits, called excepted benefits, which
may not be subject to certain requirements of ERISA.
There are several types of excepted benefits.
- Certain benefits are always treated as excepted
benefits because they are not considered health coverage, such as:
- Accident Only
- Disability Income Insurance
- Workersí Compensation
- Other benefits are treated as excepted benefits if
they are offered separately or are not an integral part of the plan,
- Limited-Scope Dental or Vision
- Long-Term Care Benefits
- Moreover, other benefits are treated as excepted
benefits if they are offered separately and not coordinated with benefits
group health plan, including:
- Coverage for a Specific Disease
- Hospital Indemnity or Other Fixed Indemnity
- Finally, other benefits are treated as excepted
benefits if they are offered as a separate insurance policy and supplemental
Armed Forces health care coverage,
or (in very limited circumstances) group health plan coverage.
Does your plan offer only excepted benefits?