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Perspective

May 1, 2013

Critics are misguided: ERISA offsets ensure plan fairness

Some criticize the practice, contending that offsets are not disclosed to participants, that offsets are unfair, and that employers with self-insured plans profit from offsets. By Stephen Harris and Melinda Gordon


By Stephen Harris and Melinda Gordon


Employee benefit plans frequently offset benefits by amounts that participants receive from other sources. Some criticize the practice, contending that offsets are not disclosed to participants, that offsets are unfair, and that employers with self-insured plans profit from offsets. The critics are wrong.


Plan sponsors do not include offset provisions because they are mean-spirited or arbitrary. The law...

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