Many employers – and you may be one of them- do not fully understand Employee Retirement Income Security Act (ERISA), how it impacts businesses and employees, and the possible risks it presents. Failure to comply with ERISA requirements can lead to costly government penalties and even employee lawsuits.
The following chart offers a basic breakdown of Title 1 disclosure and reporting requirements under ERISA (governing health and welfare benefit plans).
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What would you recommend for a young lady who has lost her long term disability insurance money, and now has only social security payments to live on?
The possibility of recovering the funds from UNUM will take a miracle at best.
1.First thing is Housing. You must find a safe place to call home, for now. 2.Support groups. Health issues will only get worst with out proper nutrition. 3.Continue your health care and doctors visits. 4. Continue doing the things that make you happy and keep you in balanced, 5.Keep calling your attorney and search for a new one if necessary. Don't give up!
Most cheeses aren’t vegetarian, especially those that are modeled after Old World recipes and techniques.
How cheese becomes cheese: namely through a process called acidification. It’s a process that coagulates and isolates the solids in milk with an enzyme known as rennet, which is mostly derived from the stomach lining of unweaned young animals; which then allows the cheesemaker to manipulate those solids into various cheese styles.
Vegetarian cheeses, on the other hand, are coagulated with either a synthetic, or microbial rennet, derived from mold or yeast, or with a vegetable, or plant, derived rennet- See more at: http://www.spanish-cheese.net/cheese-isnt-vegetarian-a-question-of-rennet#sthash.dDuCqARr.dpuf