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	<title>Passion for Subro &#187; ERISA</title>
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	<link>http://www.passionforsubro.com</link>
	<description>The personal subrogation blog of Attorney Adam V. Russo.</description>
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		<title>ERISA Preemption of Michigan Pail Claims Assessment ACT</title>
		<link>http://www.passionforsubro.com/erisa/erisa-preemption-of-michigan-pail-claims-assessment-act/</link>
		<comments>http://www.passionforsubro.com/erisa/erisa-preemption-of-michigan-pail-claims-assessment-act/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 12:57:22 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Michigan]]></category>
		<category><![CDATA[Preemption]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8696</guid>
		<description><![CDATA[We previously posted regarding Michigan’s Paid Claims Assessment Act (the “Act”) which assesses carriers a 1% surcharge on paid health claims. The Act defines carriers to include group health plan sponsors, along with insurance companies and also assesses third party administrators. Thus, it is likely that group health plan sponsors will end up either paying [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Legal considerations when implementing on-site clinics</title>
		<link>http://www.passionforsubro.com/erisa/legal-considerations-when-implementing-on-site-clinics/</link>
		<comments>http://www.passionforsubro.com/erisa/legal-considerations-when-implementing-on-site-clinics/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 01:54:21 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Fiduciary Liability]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Legal]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8680</guid>
		<description><![CDATA[On-site clinics utilized in conjunction with a group health plan are becoming an increasingly common method to help employers address the rising cost of health care.  The issues in implementing an on-site clinic may seem obvious:  Finding a service provider; installing an appropriate facility; and addressing employee access during work hours. However, there are less [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3rd Circuit Limits Full ERISA Remedy, Saying It Would Unjustly Enrich Plan</title>
		<link>http://www.passionforsubro.com/erisa/3rd-circuit-limits-full-erisa-remedy-saying-it-would-unjustly-enrich-plan/</link>
		<comments>http://www.passionforsubro.com/erisa/3rd-circuit-limits-full-erisa-remedy-saying-it-would-unjustly-enrich-plan/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 18:10:23 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[3rd]]></category>
		<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Self-Funding]]></category>
		<category><![CDATA[Supreme Court]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8598</guid>
		<description><![CDATA[Coordination Of Benefits             January 2012 Vol. 20 No. 1  In a surprising decision, the 3rd U.S. Circuit Court of Appeals used the concept of “appropriate equitable relief” to restrict an employer sponsored health plan’s recovery from a third-party settlement to less than what the plan paid out in health benefits. In US Airways, Inc. v. [...]]]></description>
		<wfw:commentRss>http://www.passionforsubro.com/erisa/3rd-circuit-limits-full-erisa-remedy-saying-it-would-unjustly-enrich-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>ERISA “Participant” Status Is Not A Jurisdictional Issue</title>
		<link>http://www.passionforsubro.com/erisa/erisa-%e2%80%9cparticipant%e2%80%9d-status-is-not-a-jurisdictional-issue/</link>
		<comments>http://www.passionforsubro.com/erisa/erisa-%e2%80%9cparticipant%e2%80%9d-status-is-not-a-jurisdictional-issue/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 17:52:58 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[ERISA]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8595</guid>
		<description><![CDATA[Whether Leeson is a participant for purposes of ERISA is a substantive element of his claim, not a prerequisite for subject matter jurisdiction. As the Supreme Court has instructed, “when Congress does not rank a statutory limitation on coverage as jurisdictional, courts should treat the restriction as nonjurisdictional in character.” Arbaugh v. Y &#38; H [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Insurance For Fiduciaries: Know Your Options</title>
		<link>http://www.passionforsubro.com/erisa/insurance-for-fiduciaries-know-your-options/</link>
		<comments>http://www.passionforsubro.com/erisa/insurance-for-fiduciaries-know-your-options/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 21:25:33 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Fiduciary]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8559</guid>
		<description><![CDATA[Insurance coverage can be a confusing thing.  Coverage for employee benefit plan fiduciaries sometimes adds a wrinkle to the process that can be overlooked.  Depending on the type of claim asserted, there are a variety of &#8220;coverage&#8221; options that may apply.  I think the new fee disclosure rules are likely to increase claims for breach [...]]]></description>
		<wfw:commentRss>http://www.passionforsubro.com/erisa/insurance-for-fiduciaries-know-your-options/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Fred Hunt Replies to Wall Street Journal&#8217;s Article Trashing Self-funding</title>
		<link>http://www.passionforsubro.com/erisa/fred-hunt-replies-to-wall-street-journals-article-trashing-self-funding/</link>
		<comments>http://www.passionforsubro.com/erisa/fred-hunt-replies-to-wall-street-journals-article-trashing-self-funding/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 15:09:52 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Health Care Legislation]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Self-Funding]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8527</guid>
		<description><![CDATA[www.myhealthguide.com MyHealthGuide Source: Frederick D. Hunt, Active Past President, Society of Professional Benefit Administrators (SPBA), 1/21/2012, www.SPBATPA.org Leslie Scism, 1/7/2012, Wall Street Journal Article What is the most comprehensive, intensive and proven consumer protection law in the nation? What law imposes such intense fiduciary duty that customs most businesses are free to use to increase [...]]]></description>
		<wfw:commentRss>http://www.passionforsubro.com/erisa/fred-hunt-replies-to-wall-street-journals-article-trashing-self-funding/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When Insurance Fails</title>
		<link>http://www.passionforsubro.com/erisa/when-insurance-fails/</link>
		<comments>http://www.passionforsubro.com/erisa/when-insurance-fails/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 15:06:50 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Self-Funding]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8525</guid>
		<description><![CDATA[Many people assume insurance offered by their employer is a better deal than they can get on their own. But while the premiums can be lower, such policies have drawbacks. Employer-sponsored insurance has become much more common in recent years. Premiums from new sales of life, disability, supplemental-medical and other types of insurance sold through [...]]]></description>
		<wfw:commentRss>http://www.passionforsubro.com/erisa/when-insurance-fails/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>State Parity Law Trumps ERISA Plan’s Exclusion, So Case Against Plan Advances</title>
		<link>http://www.passionforsubro.com/erisa/state-parity-law-trumps-erisa-plan%e2%80%99s-exclusion-so-case-against-plan-advances/</link>
		<comments>http://www.passionforsubro.com/erisa/state-parity-law-trumps-erisa-plan%e2%80%99s-exclusion-so-case-against-plan-advances/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 15:21:07 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Health Care Legislation]]></category>
		<category><![CDATA[Mental Health Parity]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Preemption]]></category>
		<category><![CDATA[Supreme Court]]></category>
		<category><![CDATA[Washington]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8477</guid>
		<description><![CDATA[Employer’s Guide to Self-Insuring Health Benefits      January 2012 &#124; Vol. 19, No. 4  As illustrated here, ERISA did not preempt the Washington Mental Health Parity Act.  Even though it correctly applied an insured ERISA plan’s coverage restrictions on neurodevelopmental therapy for children over six years old, the administrator’s refusal to pay a 10-year-old dependent’s mental [...]]]></description>
		<wfw:commentRss>http://www.passionforsubro.com/erisa/state-parity-law-trumps-erisa-plan%e2%80%99s-exclusion-so-case-against-plan-advances/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Administrator Flubs Stop-loss Claim; State-law Charges on Administrator Not Preempted</title>
		<link>http://www.passionforsubro.com/erisa/administrator-flubs-stop-loss-claim-state-law-charges-on-administrator-not-preempted/</link>
		<comments>http://www.passionforsubro.com/erisa/administrator-flubs-stop-loss-claim-state-law-charges-on-administrator-not-preempted/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 15:14:49 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[4th]]></category>
		<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Maryland]]></category>
		<category><![CDATA[Preemption]]></category>
		<category><![CDATA[Stop Loss]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8473</guid>
		<description><![CDATA[Employer’s Guide to Self-Insuring Health Benefits        January 2012 &#124; Vol. 19, No. 4  A claims administrator lost an attempt to dismiss negligence and breach of contract charges relating to its failure to process and pay a large claim before the final day of a stop-loss policy’s run-out period.  The self-insured Hebrew Home health plan sued [...]]]></description>
		<wfw:commentRss>http://www.passionforsubro.com/erisa/administrator-flubs-stop-loss-claim-state-law-charges-on-administrator-not-preempted/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>ERISA-like Features Do Not Give Self-Insured County Plan Right to Deferential Review, Court Rules</title>
		<link>http://www.passionforsubro.com/erisa/erisa-like-features-do-not-give-self-insured-county-plan-right-to-deferential-review-court-rules/</link>
		<comments>http://www.passionforsubro.com/erisa/erisa-like-features-do-not-give-self-insured-county-plan-right-to-deferential-review-court-rules/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 15:11:21 +0000</pubDate>
		<dc:creator>cmonfils</dc:creator>
				<category><![CDATA[ERISA]]></category>
		<category><![CDATA[Ohio]]></category>
		<category><![CDATA[Self-Funding]]></category>
		<category><![CDATA[Summary Plan Description]]></category>

		<guid isPermaLink="false">http://www.passionforsubro.com/?p=8471</guid>
		<description><![CDATA[Employer’s Guide to Self-Insuring Health Benefits         January 2012 &#124; Vol. 19, No. 4  Most self-insured governmental plans adopt ERISA principles in governing trusts, and use ERISA-style plan documents and summary plan descriptions (SPDs). However, just because they look to ERISA for guidance when crafting programs, they would be mistaken to assume they have ERISA-style rights.  [...]]]></description>
		<wfw:commentRss>http://www.passionforsubro.com/erisa/erisa-like-features-do-not-give-self-insured-county-plan-right-to-deferential-review-court-rules/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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