Timothy Sumer

Each claim and benefit plan are different. Be sure to consult with an attorney.... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA Death Benefits- Spousal and Beneficiary ERISA Claims Losing a loved one is an incredibly difficult and emotional experience. While dealing with grief, it is important to understand and explore all the available benefits and options, one of which is death benefits provided by the Employee Retirement Income Security Act (ERISA). In this article, we will delve into spousal and beneficiary death benefits under ERISA, highlighting their significance and providing a comprehensive overview. ERISA is a federal law that sets standards for most employee benefit plans, including pension plans and group health insurance coverage offered by employers. Under ERISA, it is mandatory for employers offering such plans to...

Small business retirement plans often accumulate ex-employees that sponsors would prefer to get rid of. ERISA's auto-rollover safe harbor lets you shutter ex-employees with balances in your plan without the fear of running afoul of your fiduciary responsibilities. Check out the full post at: ... ( read more ) LEARN MORE ABOUT: Qualified Retirement Plans REVEALED: How To Invest During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing 401k Auto Rollovers: A Convenient Safe Harbor for Small Business Retirement Plans As a small business owner, you know that it’s important to offer your employees a retirement plan that will help them save for the future. But what happens when an employee leaves your company? Do you have a plan in place to ensure that their retirement savings are safe and secure? The answer is yes, and it’s called a 401k auto rollover. A 401k auto rollover is a convenient and safe way to...

The last health insurance mandate that we will discuss covers employers who provide a group retirement plan and/or group health and welfare plans of basically any type, including medical, dental, vision, life insurance and others. Employee Retirement Income Security Act (ERISA) guidance must be followed in any of these cases Any organization that provides retirement or health and welfare plans must provide a document called a Summary Plan Description (SPD) telling beneficiaries about the plan and how it works—in plain language that the average employee can understand. The organization also has to provide similar information whenever the plan changes significantly and send an annual report to members, as well as meet some other requirements. A major provision of ERISA is guidance on retirement (pension) plan eligibility. If the company provides employees with a retirement plan, the guidelines in ERISA say that the plan has to be available to all employees over 21 years of ...

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Cases against 403(b) plans have been in the headlines since 2016 and will continue to be a story in 2019. Most recently, no new cases have been filed, but the NYU case, as well as others including Georgetown, University of Pennsylvania, Northwestern University and Washington University, remind us that a strong offense is the best defense. In each case, a prudent process and documentation assist the defendant plan sponsors in making their case against the plaintiff plan participants. This webinar can help you design your prudent process using lessons learned from these cases, and much more. During this webinar we cover: - A review of the current 403(b) litigation landscape - Case success - what’s working for plan sponsors, as well as what's not - Action steps for plan sponsors to design their strategy to meet their fiduciary responsibilities - ensuring a strong offense against any potential litigation... ( read more ) LEARN MORE ABOUT: Retirement Planning RE...

As part of IRA Financial's Self-Directed IRA Nation, our annual compliance service can help keep your Self-Directed IRA above board and meeting all requirements for the IRS. Our annual compliance membership service is just what you need to ensure following all legal requirements and tax laws. Want to read more about what a Self-Directed IRA is? Learn more here: -- Discover more videos by IRA Financial: Subscribe to our channel: -- About IRA Financial: IRA Financial Group was founded by Adam Bergman, a former tax and ERISA attorney who worked at some of the largest law firms. During his years of practice, he noticed that many of his clients were not even aware that they can use an IRA or 401(K) plan to make alternative asset investments, such as real estate. He created IRA Financial to help educate retirement account holders about the benefits of self-directed retirement plan solutions. Learn More: ... ( read more ) LEARN MORE ABOUT: IRA Accounts TRAN...