The Kielich Law Firm
2205 Martin Dr., Ste. 200-K
Bedford, Texas 76021
The Kielich Law Firm
2205 Martin Dr., Ste. 200-K
Bedford, Texas 76021
Dallas employee benefits lawyer Adam Kielich and The Kielich Law Firm represents employees in employee benefits claimsin Texas. Your employer or former employer may have offered you benefits as part of your employment, such as a 401k plan or health insurance. These range from formal benefit plans like 401k, pension and health insurance, to bonus plans, paid sick leave and vacation pay. Many of these benefits are protected by law under the Employee Retirement Income Security Act (ERISA) that prohibits your employer or prior employer from abusing you financially or legally through plan benefits. Your employer may offer some benefits or even no benefits covered by ERISA. Some benefits offered may be outside the realm of ERISA. If you believe your employer violated your rights under ERISA then you should contact Fort Worth and Dallas Texas employment lawyer Adam Kielich right away.
Your employer does not have to offer any benefits (except those required by the Affordable Care Act); but once it decides to make ERISA-protected benefits part of your compensation it must comply with ERISA requirements. Some employee benefits fall under other federal or Texas laws while other voluntary benefits have little or no legal protections. Understanding the laws that govern benefits and how to protect them can be difficult. Working with a Fort Worth and Dallas employee benefits attorney familiar with ERISA and other benefit laws can put you in a better position to protect your rights.
ERISA is a federal law that regulates most employee benefits plans like retirement and welfare plans offered by employers. This law sets out a complex web of regulations that govern the operation and allocation of benefits to participants and beneficiaries of benefit plans subject to the law. ERISA ensures that participants and beneficiaries are treated fairly under the plan and prohibits the plan administrator from promising benefits and then taking them away. Fort Worth and Dallas employment lawyer Adam Kielich helps clients with ERISA claims in Texas.
ERISA protects most health and retirement plans among other benefits for most private employees including:
ERISA benefit plans are expensive plans for employers to fund and operate. As a result, many employers negligently or intentionally mismanage their plans to save money. Employees working with plans may be under-trained to perform plan-related duties. Executives may make plan-related decisions with money in mind and impermissibly cut benefits (although not all benefit reductions violate ERISA). The employer may contract plan responsibilities to service providers who themselves may have employees working with your plan that are under-trained or ill-equipped to properly service the plan. Your employer may abuse the plan for its own benefit in violation of ERISA. If this happens, contact Texas employment attorney Adam Kielich.
Regardless of the intentional or unintentional mismanagement, your rights and benefits under the benefit plans are in jeopardy. You may be at risk to lose money, access to necessary medical care and the ability to retire with financial security. Some common violations of ERISA that put you at risk include:
In addition to ERISA, your claims against the plan may also be subject to various state laws, including state securities laws, insurance laws, contract laws and labor laws. ERISA claims are complex with many technical requirements. If you believe you have an ERISA benefit plan claim in Dallas or Fort Worth then you should contact employee benefits lawyer Adam Kielich right away. Many ERISA claims for employee benefits have brief windows in which you must act to preserve a claim.
If your employer or former employer has illegally denied you benefits under an ERISA-protected benefit plan, Dallas employment lawyer Adam Kielich and The Kielich Law Firm can represent you against your employer. I have ten years of experience working with employee benefits. I understand the tricks employers and plan service providers pull and how to defeat their tricks and get results. Contact my office today to discuss your benefit concerns. You can also Visit my blog for more information about ERISA plan benefits.
Some employee benefits do not fall under ERISA. These generally include pay-related benefits and executive compensation plans. Benefits not covered by ERISA include:
Just because these benefits are not under ERISA does not mean protections do not exist under other statutes or regulations. Non-qualified deferred compensation and pension plans fall under parts of ERISA and IRC 409(a). Stock option plans and stock purchase plans are also covered by IRC 409(a). Pay-related benefits and bonuses may be covered by 409(a) but are likely covered instead under wage and hour laws. These benefits may also be covered by other state laws, including contract law. If you believe you have a claim for benefits in an non-ERISA plan then you should contact Fort Worth and Dallas labor lawyer Adam Kielich.
Executive compensation plans can give rise to complex claims due to the changes in the law over the past decade and the nature of these plans as deferred compensation. 409(a) plans can lock in money in very different ways from 401k and other ERISA-covered defined contribution plans. These unique features make financial and tax planning very important in the decision to participate and defer compensation to these plans.
Executive compensation plans can also be legally challenging for its participants because the employer does not have to fund the plan to a protected trust, as it does for ERISA plans, so the employee’s plan benefits may be subject to the employer’s creditors and may be reduced or extinguished in bankruptcy court should the employer file for bankruptcy protection. These plans can create complicated claims, especially when the employer files for bankruptcy. If you believe you have a claim under an executive compensation plan then contact Fort Worth and Dallas labor law attorney Adam Kielich.
Other benefits may be provided without any legal protections. A good example of this is vacation pay. Vacation pay is not a required benefit, provided voluntarily by some employers. The only protection for vacation pay is under the Texas Payday Law when an employee leaves the employer. If the employer has a policy to pay accrued but unused vacation pay then it must pay that vacation pay. If the employer does not have such a policy then the employer has no duty to pay out accrued but unused vacation pay.
Fort Worth and Dallas employment attorney Adam Kielich and The Kielich Law Firm can assist you with your employee benefit plan needs, whether your benefits are under an ERISA-protected plan or outside the bounds of ERISA. My ten years of employee benefit experience covers both health/welfare plans and retirement plans, including executive compensation plans. Contact my office today to discuss you benefit concerns or Visit my blog to learn more about employee benefit law.
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