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I elected COBRA from my former employer. In July there was

I elected COBRA from my former employer. In July there was an increase of $11 per month. About two weeks later I was notified it was a $60 a month increase in the premium. This company is self-insured and I have been advised that the total premium (ER and EE) did not increase.I did payroll for this company and they are very dishonest in payroll matters. I should also note I signed a small settlement when I left.All I really want is to have my COBRA payments be calculated honestly. What are my options? Is there a government agency that oversees these matters?Thanks in advance.

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Marsha411JD

Doctoral Degree

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If you have met your deductible and out of pocket amounts

If you have met your deductible and out of pocket amounts under the employer health plan and then immediately elect COBRA coverage and pay for it , can you be forced to meet these amounts again during the same plan year?

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Phillips Esq.

Attorney

Juris Doctor

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According to the ERISA fact sheet: "You immediately

According to the ERISA fact sheet: "You immediately vest in your own contributions and the earnings on them. This means you have earned the right to these amounts without the risk of forfeiting them. But note – there are restrictions on actually taking them out of the plan." This is from this link: https://www.dol.gov/ebsa/faqs/faq_consumer_pension.html. Can you tell me what they mean about restrictions on actually taking the money out of the plan? What restrictions can they impose?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

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Defined benefit pension was stopped and hospital red a third

Defined benefit pension was stopped and hospital hired a third party diversified to manage Have began receiving monthly statements" estimates" of for years what my lifetime monthly payments would be started off(###) ###-####down to 200 then 0Hospital HR rep states based on admits ration plan Erisa rule it doesn't matter who made the errors in estimatesFinal calculation 56.00 /month vs as much as 600 based on yrs of service and rules of the planWhen a business decides to hire a 3 rd party to manage this over the years and wrong information is delivered to 3rd party or actuary calculates monthly estimatesHR dept today says it doesn'tMatter based on Erisa lawThey have to pay me based on what they have calculated correctly now based on rules of administrative plan

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Marsha411JD

Doctoral Degree

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I'm currently on LTD disability, exp'g. on Aug, when I turn

I'm currently on LTD disability, exp'g. on Aug, when I turn 65; my former employer terminated me due to disability. At the time, the Co. considered an Ee. to be fully vested in 5 years, which I had met. My question is: Am I entitled to Retirement Benefits?

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Marsha411JD

Doctoral Degree

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I Worked from 12/20/15-4/20/16 every day, with only 3 days

I Worked from 12/20/15-4/20/16 every day , with only 3 days off. Up until I ment my new boss ,my checks were right. 2/20/16 till present they owe me over 31 hours overtime as well as straight time . They told me that payroll has my paperwork, I called they were clueless.My bosses and everyone besides me that I no of is black. do I have a case ,I have 3 forms of proof.

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John

Attorney

Doctoral Degree

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I need to know what the vesting rules were before 1973. I know

I need to know what the vesting rules were before 1973. I know now that 1000 hours are considered a vesting year. Was it like that in 1973?

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Marsha411JD

Doctoral Degree

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I worked company about a year and 8 months before I became

I worked for a company about a year and 8 months before I became ill with what was later diagnosed as End Stage Kidney Disease. I initially took 3 months of Short Term Disability, which was provided by the company. I then applied for and was accepted to be covered under Long Term Disability (LTD), for which a very small premium was deducted from my paycheck, twice a month. With my LTD, I receive 60% of my salary, after deducting for Social Security, and retained my same health insurance coverage. .. Because of my age, now 68, my LTD is scheduled to continue to October 15, 2016 or my getting a kidney transplant, whichever comes sooner. Then,week before last I received a letter from my company's HR department, saying my employment was being terminated as of April 8th, 2016, I will retain the LTD salary benefit of 60%, after Social Security, but my health insurance is cancelled after the end of this month. If my company is covered under FMLA and I have LTD, are they required to maintain the insurance coverage I had when I was working? .

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Marsha411JD

Doctoral Degree

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After taking a health assessment test at work. My employer

After taking a health assessment test at work. My employer has deemed me high risk for insurance. They now want me to pay additional money on previous months premiums. My question is are they aloud to increase my premiums on those months prior to my health test assessment.

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John

Attorney

Doctoral Degree

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