Why do employers have plan documents? Many employers treat their plan document as boilerplate and just an item that needs to get checked off of the to do list. They may not even know why they have to maintain a plan document. The easy answer is that ERISA requires it. However, the plan document should be considered to be the blue print for the employer plan. It will tell the employer who is eligible, under what circumstances and what the benefits are. In an age of increasing litigation it is vitally important that employers take their plan documents seriously and take the opportunity to make the decisions about who and what the plans will cover. That way, when there is a dispute, the employer will have its intentions followed.
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