ERISA: Employee Retirement Income Security Act - Federal law governing employee benefit plans and establishing standards for plan administration, participant rights, and employer obligations
ACA: Affordable Care Act - Federal healthcare reform law establishing requirements for health insurance coverage, including individual mandates and employer obligations
HIPAA: Health Insurance Portability and Accountability Act - Federal law protecting patient privacy and governing the transfer of health insurance coverage when changing employers
COBRA: Consolidated Omnibus Budget Reconciliation Act - Federal law providing continuation of group health coverage that would otherwise be terminated
State Insurance Regulations: State-specific laws and regulations governing insurance requirements, including minimum coverage standards and compliance procedures
Workers' Compensation Laws: State-specific requirements for mandatory workers' compensation coverage and related insurance obligations
Documentation Requirements: Essential documentation needed for valid opt-out, including proof of alternative coverage and acknowledgment of waived rights
Notice Requirements: Mandatory disclosures explaining opt-out consequences, future enrollment opportunities, and special enrollment periods
EEOC Compliance: Equal Employment Opportunity Commission guidelines ensuring non-discrimination in insurance-related matters
ADA Compliance: Americans with Disabilities Act requirements ensuring non-discrimination against disabled individuals in insurance matters
ADEA Compliance: Age Discrimination in Employment Act provisions preventing age-based discrimination in insurance benefits and opt-out procedures
