
1974leeii jeevanakkaarude viramikkal varumaana suraksha niyamam

1974leeii employees retairment inkam security act (erisa) (, bhaagikamaayi krodeekarichirikkunnu) oru yuu aanu.ezz. swakaarya vyavasaayathile pension padhathikalkku minimum maanadandangal sthaapikkunna federal taxes aandu laber niyamam. jeevanakkaarude aanukoolya padhathikalumaayi bandhapetta edapaadukalude federal aadaayanikuthi prathyaaghaathangalekkurichallu niyamangal ithil adangiyirikkunnu. jeevanakkaarude aanukoolya padhathiyil pankedukkunnavarudeyum avarude gunabhokthaakkaludeyum thalpparyangal samrakshikkunnathinaayi inipparayunnavayiloodeyaanu erisa nadappilaakkiyathu
pradhaanamaayum aabhyanthara ravanyoo kodilum erisayilum ulla jeevanakkaarude aanukoolya padhathikale niyanthrikkunna niyamangalude muzhuvan bhaagatheyum soochippikkaan erisa chilappol upayogikkunnu.
erisayude vyaakhyaanathinum nadappakkalinum ulla utharavaaditham thozhil vakupp, treasury vakupp (prathyekichu aabhyanthara ravanyoo sevanam), pension benifit gyaarandi korppareshan ennivaykkidayil vibhajikkappettirikkunnu.
charithram.
1961ll yuu.ezz. president joonn eph. korpparettu pension padhathikalekkurichulla presidentinte samiti kenneddy roopeekarichu. 1963ll automobile nirmmaathaakkalaaya studbaker korppareshan athinte plaant adachupoottiyathiloode pension parishkaranathinaayulla prasthaanam kurachu vegatha kaivarichu. athinte pension padhathikku valare mosham dhanasahayam labhichathinaal ellah jeevanakkarkkum avarude pension nalkaan studbakerk kazhinjilla. 60 vayass thikanja 3,600 thozhilaallikalkk poornna pension aanukoolyangal labhicha oru padhathi kambani srishtichu, vidyaarthinikalulla patthu varsham praayamulla 4,000 thozhilaallikalkk avarude pension aanukoolyangalude actuarial moolyathinte ekadesham 15 sathamaanam moolyamulla oru koottam paymentukal labhichu, backie 2,900 thozhilaallikalkk pension labhichilla.
1963ll senattar joonn ell. union benifit fandukalude $4,000,000 durupayogam cheythathaayum vazhithirichuvittathayum aaropich arkkansaasile mcclellan (dii) laber leader jorjju barashinekkurichu senatt sub kammittiyude sthiramaaya anweshanathiloode anweshanam aarambhichu. moonnu varshathinusesham anweshanathil thettonnum kandethaanaayillengilum 1965 october 12 nuu plan trasttikalkkaayi puthiya vishwaasyatha maanadandangal nischayikkunna mcclellante bill ulppede niravadhi nirddishta niyamangalkk kaaranamaayi. koodaathe, union benifit plan fandukalil baraashinte eaka niyanthranathekkurichu addehathinte "nirasha" kaaranam, senattar jacob keey. 1965lum 1967lum newyorkkile jaavits (aarr) padhathi trasttikaludeyum administrettarmaarum niyanthranam parimithappeduthunnathinum presidential kammitti thiricharinja dhanasahayam, vesting, reporting, velippeduthal prasnangal enniva pariharikkunnathinumayi kshema, pension fandukalude niyanthranam vardhippikkunnathinulla billukalum avatharippichu. pree-erisa niyamaprakaaram avar aasvadicha vazhakkam nilanirthaan shramicha bisinesses grouppukalum thozhilaalli unionukalum addehathinte billukale ethirthu. moonnu billukalil ninnumulla vyavasthakal aathyanthikamayi erisayil nadappaakkiya maarganirddeshangalaayi parinamichu.
1972 septambar 12 nuu enn. bii. sii oru manikkoor dairkhyamulla television special, "pensionukal takarnna vaagdaanam" prakshepanam cheythu, athu dasalakshakkanakkinu amerikkakkaare mosham dhanasahayamulla pension padhathikaludeyum kadinamaaya vesting aavashyakathakaludeyum anantharafalangal kaanichu. thudarnnulla varshangalil, pension vishayangalil kongras niravadhi pothu hearingukal nadathukayum pension parishkaranatthinulla pothu pinthuna ganyamaayi vardhikkukayum cheythu.
1974ll erisa niyamam praabalyatthil varikayum 1974 septambar 2nuu president jerald foord niyamathil oppuvaykkukayum cheythu. 1974 muthalulla varshangalil erisa aavarthichu bhedagathi cheythittundu.
kavarej.
pension padhathikal.
thozhiludamakal pension padhathikal sthaapikkenda aavasyamilla. athupole, pothuvaaya chattam pole, plaanukal kuranja thothilulla aanukoolyangal nalkendathilla. pakaram, oru pension padhathi sthaapichukazhinjaal athinte pravartthanatthe ithu niyanthrikkunnu.
erisaykku keezhil, pension padhathikal oru nischitha minimum varshangalkk sesham jeevanakkaarude pension aanukoolyangal nalkunnathinu vyavastha cheyyanam. padhathikal sponsor cheiyunna thozhiludamakal chila minimum funting aavasyakathakal niravettanamennu erisa aavashyappedunnu.
oru pension plan aanukoolyangal nalkunna reethiyum erisa niyanthrikkunnu. udaaharanathinu, oru nirvachikkapetta aanukoolya padhathi vivahita pankaaliyude pension "joyint aandu survivour anvity" aayi nalkanam, athu pankaliyum pankaliyum athijeevicha kavarej ozhivaakkunnillenkil athijeevicha pankaalikku thudarchayaaya aanukoolyangal nalkunnu.
avasaanippicha nirvachikkapetta pension plaanil pankedukkunnavarkku labhikkuna aanukoolyangal nalkaan mathiyaya swathukkal illengil pariraksha nalkunnathinaayi erisayaanu pension benifit gyaarandi korppareshan sthaapichathu. erisayile pilkkala bhedagathikalkku aparyapthamaaya aasthikalulla oru multy employer pension plaanil pankedukkunnathil ninnu pinmarunna oru thozhiludama padhathiyude dhanasahaayamillaatha nikshipta aanukoolyangalude baadhyathayude "proo raatta" vihitam sambhavana cheiyunnathinu ellah pankaalikaludeyum nikshipta aanukoolyangal nalkendathundu.
rund pradhana tharam pension plaanukalunda nirvachikkapetta aanukoolya padhathikalum nirvachikkapetta sambhavana padhathikalum. nirvachikkapetta aanukoolya padhathikal viramichavarkk sevana varshangal, shambalam, mattu gadakangal ennivayude adisthaanathil oru nischitha thalatthilulla aanukoolyangal nalkunnu. nirvachikkapetta sambhavana padhathikal viramichavarkk jeevanakkarum koodaathe/allengil thozhiludamayum niravadhi varshangalayi nalkia sambhaavanakalude thukayum nikshepa prakadanavum adisthaanamaakki aanukoolyangal nalkunnu.
aarogya aanukoolya padhathikal.
athupole, oru thozhiludama athinte jeevanakkarko viramichavarkko aarogya insurance nalkanamennu erisa aavashyappedunnilla, ennaal oru thozhiludama orennam sthaapikkaan theerumaanikkukayaanenkil athu oru aarogya aanukoolya padhathiyude pravartthanatthe niyanthrikkunnu.
federal ekathvam srishtikkunnathinaayi vividha samsthaana-nirddishta niyamangalil ninnu, prathyekichu karar, peedana niyamangalil ninnu aarogya insurance plaanukale erisa ozhivaakkunnu; amerikkayile insurance cheytha jeevanakkaril ekadesham 60 sathamaanavum erisaykku vidheyamaaya svayam dhanasahayamulla plaanukalilaayirunnu. samsthaanangalumaayi pankaalitthamulla roga samrakshanavum thaangaanaavunna paricharana niyamavum polulla parishkarangalumaayi erisa pirimurukkatthilekku nayichu.
aarogya aanukoolya padhathikalekkurichu erisayil niravadhi supradhana bhedagathikal varuthiyittundu
navajaathashishukkaludeyum ammamaarudeyum aarogya samrakshana niyamam, maanasikaarogya thulyatha niyamam, vanita aarogya, cancer avakasha niyamam enniva erisayile mattu prasakthamaaya bhedagathikalil ulppedunnu.
1990kalilum 2000kalilum, viramichavarkk aajeevanantha aarogya pariraksha vaagdaanam cheytha pala thozhiludamakalum aaa aanukoolyangal parimithappedutthukayo illaathaakkukayo cheythu. jeevanakkaarkk labhikkuna pension aanukoolyangalil nikshipthamaakunna reethiyil aarogya parirakshaa aanukoolyangal nalkunnathinu erisa vyavastha cheiyunnilla. aajeevanantha aarogya pariraksha vaagdaanam cheytha jeevanakkarkkum viramichavarkkum karar lamghichathinu thozhiludamaykkethire kesedukkunnathiloodeyo vaagdaanam cheytha aanukoolyangal illaathaakkunnathinaayi aarogya aanukoolya padhathiyude padhathi rekhakal mattaanulla avakaashathe velluvilikkunnathiloode aaa vaagdaanangal nadappilakkaan kazhinjekkum.
pension vesting.
erisaykku munbu, chila nirvachikkapetta aanukoolya pension padhathikalkku oru jeevanakkaarante aanukoolyam nikshipthamaakunnathin munbu pathittaandukalude sevanam aavasyamaanu. nirddishta viramikkal praayathinu munbu jolie upekshicha oru jeevanakkaaran oru aanukoolyavum nalkaathirikkunnath asaadhaaranamaaya oru padhathiyaayirunnilla (udha.jii. 65), jeevanakkaarante sevanathinte dairkhyam pariganikkathe.
2006leeii pension samrakshana niyamaprakaaram, 2006nuu sesham oru nirddishta sambhavana padhathiyilekku thozhiludama nalkunna sambhavanakal moonnu varshathinu sesham allengil randaam-aaram varshathe kramanugatha-nikshepa shedyulil (randaam varshathe sevanathil ninnu aarambikkunna prathivarsham 20 sathamaanam) nikshipthamayirikkanam.iii. 100% aarr varshathinusesham). (rafa. 120 staatt. 2006leeii pension samrakshana niyamathile 988.) echu.ppaude 156-aamm pejile vesting niyamangalile aarr 4, ppa erisayum code bhedagathi cheiyunnuvennu prasthaavikkunnu. 2007nuu munbu thozhiludama nalkia sambhavanakalumaayi bandhappett vyathyastha niyamangal baadhakamaan. jeevanakkaarude sambhavanakal ellaayppozhum 100% nikshipthamaanu. oru nirddishta aanukoolya padhathikku keezhil labhikkuna aanukoolyangal anchu varshathinu sesham allengil moonnaam-ezhaam varshathe kramanugathamaaya vesting shedyulil (vesting sevanathinte moonnaam varshathil ninnu aarambikkunna prathivarsham 20 sathamaanavum ezhu varshathinu sesham 100% umm) nikshipthamayirikkanam. (rafa. 26 yuu.ezz.sii. 411 (eiii) (1) (bii), 29 yuu.ezz.sii. 203 (eiii) (2).)
pension fund.
pension padhathikalkkaayi erisa minimum funting aavasyakathakal sthaapichu, athil nirvachikkapetta aanukoolya padhathikalum panam vaangal padhathikalum ulppedunnu, pakshe labham pankidalo stokku bonus plaanukalo allah.
2006leeii pension protection act (ppa) nuu munbu, oru nirvachikkapetta benifit plan oru "funting staanderd akkoundu" nilanirtthi, athu varshathil nediya aanukoolyangalude chelavinu prathivarsham eedaakkukayum thozhiludamayude sambhaavanakalkk credit cheyyukayum cheythirunnu. aanukoolya mechappeduthalukal, actuarial anumaanangalile mattangal, mattethenkilum kaaranangalal plaaninte baadhyathakalile vardhanavu enniva thirichadaykkukayum akkoundilekku eedaakkukayum cheythu; plaaninte baadhyathakalile kuravu thirichadaykkukayum akkoundilekku credit cheyyukayum cheythu. ellah varshavum, funting staanderd akkoundu varshavasaanam 0 dollaril thazheyaakaathirikkaan thozhiludama aavashyamaaya thuka sambhavana cheyyendathundu.
2008ll, ppa funting niyamangal praabalyatthil vannappol, single employer pension plaanukal funting staanderd akkoundukal nilanirthunnilla. oru padhathi poornnamaayum dhanasahayam nalkunnathayirikkanam (athaayath, athinte asthikal athinte baadhyathakalkk thulyamo kaviyunnatho aayirikkanam) ennathaanu ppaic keezhilulla funting aavasyakatha. oru padhathikku poornnamaayum dhanasahayam nalkiyittundenkil, aavashyamaaya ettavum kuranja sambhavana varshathil nediya aanukoolyangalude chelavaanu. oru padhathikku poornnamaayum dhanasahayam nalkiyittillenkil, ezhu varshathinullil athinte baadhyathakalum aasthikalum thammilulla vyathyasam thirichadaykkunnathinu aavashyamaaya thukayum sambhavanayil ulppedunnu. kadutha dhanasahaayamillaatha padhathikalkku ("apakadasaadhyatha nila" ennu vilikkunnu) karsanamaaya niyamangal baadhakamaan.
multy employer pension plaanukalkkayi ppaic vyathyastha funting aavasyakathakalundu, ithu funting staanderd akkoundu ulppede pree-ppa funting niyamangal samrakshikkunnu. ppa prakaram, padhathiyude baadhyathakalile vardhanavum kuravum thirichadaykkappedunnu, ennaal 2007 nuu sesham sweekaricha aanukoolya mechappeduthalukalkulkal thirichadavu kaalayalav kuraykkunnu. otta thozhiludama padhathikaleppole, ganyamaayi kuranja dhanasahayamulla multy employer pension padhathikal niyanthranathinu vidheyamaan. aanukoolyangal mechappeduthaanulla padhathiyude kazhivine parimithappedutthukayo jeevanakkaarude aanukoolyangal kuraykkunnathinulla padhathi aavashyamaayi varikayo cheiyunna niyanthranangal, oru pension plaaninte funting nilaye "vamshanaashabheeshani neridunnu", "gurutharamaaya vamshanaashabheeshani neridunnu" allengil "nirnaayakam" ennu vilikkunnundo ennathine aashrayich vyathyaasappedunnu. funting nila vashalaakumbol oro aparyapthamaaya funting nilayodoppamulla niyanthranangal kramena kooduthal kadinamaanu.
erisa preemption.
chila, kanakkakkiya ozhivaakkalukalode, "eathenkilum jeevanakkaarude aanukoolya padhathiyumaayi bandhapetta" ellah samsthaana niyamangalum erisa sekshan 514 munkootty nirtthunnu. ettavum pradhanappetta ozhivaakkalukal-i.iii. oru jeevanakkaarude aanukoolya padhathiyumaayi "bandhappettirikkam" enna vastutha undaayirunnittum nilanilkkunna samsthaana niyamangal-samsthaana insurance, banking allengil securities niyamangal, saadhaaranayaayi baadhakamaaya criminal niyamangal, erisayude yogyathaa aavasyakathakal niravettunna gaarhika bandhangalude oordarukal ennivayaanu. pothu pension fandukalum erisa niyanthrikkunnillengum samsthaana pension kodukalkku purame fund dutykal sambandhicha maarganirddeshangalkkaayi ithu palappozhum nokkunnu.
demer closs" ennariyappedunna insurance exptionil oru pradhana parimiti sthaapichittundu, ithu samsthaana insurance niyamathinu thozhiludama svayam dhanasahaya aanukoolya padhathikalil pravartthikkaan kazhiyillennu adisthaanaparamaayi nalkunnu. supreme kodathi insurance exptionil mattoru parimiti srishtichu, athil insurance niyanthrikkunna oru niyamam polum erisa vyakthamaayi nalkaatha oru employee benifit plaanil oru pankaaliyko gunabhokthaavino oru prathividhi cherkkaan uddeshikkunnuvenkil munkootty ozhivaakkunnu.
samsthaana niyamathe erisa munkootty nirthunnundo ennu theerumaanikkaan moonnu bhaagangalulla vishakalanam upayogikkunnu. onnamathaayi, samsthaana niyamam eathenkilum jeevanakkaarude aanukoolya padhathiyumaayi "bandhappettirikkunnu" ennu karuthiyal munkoor karuthappedunnu. randaamathaayi, insurance, banking allengil securitykal enniva niyanthrikkukayaanenkil oru employee benifit planumaayi bandhapetta oru samsthaana niyamam erisaykku keezhil munkoor parirakshayil ninnu samrakshikkappedaam. erisa preemption vishakalanathinte moonnaamathe ghattam "demer" klosinekkurichaanu. yadhaartha insurance kambanikaleyo insurance kararukaleyo niyanthrikkunna paridhivare maathrame samsthaana insurance niyanthranam samrakshikkaan kazhiyoo. thalphalamaayi, oru insurance kambaniyudeyo karaarinteyo aavasyakathakal benifit plan paalikkunnillenkil munkoor aanukoolyangal ozhivakkaanulla shramathil oru employees benifit plan oru insurance plaanaanenn oru samsthaanam "kanakkakkilla". athinaal "demer" closs "savings" klosinte upayogam parambaraagathamaayi inshur cheytha jeevanakkaarude aanukoolya padhathikalil parimithappedutthunnu.
aanukoolyangal nishedhikkappedukayo kavarejil ninnu mothatthil ozhivaakkappedukayo cheytha oru parirakshitha vyakthikk labhyamaya eaka prathividhi oru federal jadjiyil ninnu oru utharavu theduka ennathaanu (juurii trial anuvadaneeyamalla) padhathikku (yadhaarthathil insurance kambani athu underrite cheyyukayum niyanthrikkukayum cheiyunnu) "vaidyashaasthraparamaayi aavashyamaaya" paricharanatthinu panam nalkuka ennathaanu. cases kelkkunnathinu munbu oru vyakthi marikkukayaanenkil, ennirunnaalum, claim avanodoppamo avalodoppamo marikkunnu, kaaranam paricharanam thadanjuvechathumoolamundaanu parikkino thettaaya maranatthino erisa oru pariharavum nalkunnilla.
aanukoolyangal anuchithamayi nishedhikkappettaalum, aanukoolyangal nishedhikkunnathil mosham vishwaasathode pravarthichaalum, insurance kambanikku falamaayundaakunna parikkino thettaaya maranatthino vendi kesedukkaan kazhiyilla. erisa plaanukal pravarthippikkunna insurance kambanikal mattu tharatthilulla insurance kambanikalkku labhyamallaatha niravadhi prathirodhasheshi aasvadikkunnu. insurance durvishwaasathinu vendi samsthaana pothu niyamaprakaaram uyarnnuvarunna anyayamaaya claim sanbradaayangalum nadapadiyude kaaranangalum nirodhikkunna samsthaana chattangal ulppede "ellah" vairudhyamulla samsthaana niyamangalum erisa munkootty nirtthunnu. erisa benifit nadapadikalil juurii vichaaranaykk avakashamilla. amerikkakkar saadhaaranayaayi thangalkkuvendi saakshyam vahikkaanulla avakasham nissaaramaayi edukkunnundengilum, erisa bench vichaaranayukalil thalsamaya saakshyam avatharippikkan vaadikalkku avakashamilla, athil jadji erisa plan administrettarude munbaake rekha thayyarakkiya rekhakaliloode vaayikkukayum "dii novo" avalokanam nadathukayum cheiyunnu. avasaanamaayi, erisa aanukoolyangalkkulla nadapadikalil shikshaparamaaya naashanashtangal anuvadikkilla.
aarogya aanukoolyangalude kaaryatthil, ivayude falamellam vairudhyapoorvvam padhathi pankaalikale erisa nadappaakkaathathinekkaal moshamaayi vittukalayunnathaayirikkam.
amerikkayil nilavil aarogya parirakshaa parirakshayillaattha ekadesham 29 dasalaksham aalukalil ulppedunna palarum muun irisa "varikkaaraan", padhathi gunabhokthakkalkkulla insurance padangal, avarkk aanukoolyangal nishedikkappettu-saadhaaranayaayi nirddishta paricharanam vaidyashaasthraparamaayi aavashyamillenno "pareekshanathmaka" menno-allengil parirakshayil ninnu ozhivaakkappettu, palappozhum paricharanam nishedikkappetta asukham kaaranam avarkk jolie nashtappettu ennathukondo.
pala upabhokthru, aarogya parirakshaa abhibhaashakarum eee varkk plays group plaanukalkk keezhil inshwar cheytha 75 sathamaanam amerikkakkaarkkum "karar nadappaakkal swaathanthryam punasthaapikkaan" ahvaanam cheythittundu-praabalyatthil, erisa preemption raddaakkuka. inshwar cheytha eee vyakthikalkk parambaraagatha samsthaana pariharangal (ellah sivil tharkkangalilum 98 sathamaanavum samsthaana kodathikalilaanu pariharikkappedunnathu) anuvadikkunnathu, paricharana aanukoolyangal ekapaksheeyamaayi nishedhikkunnathil ganyamaaya kuravinu kaaranamakumennum athodoppam samsthaana vaidyasahaaya samvidaanangalilum adacha federal kodathikalilum valia bharam kuraykkumennum avar vaadikkunnu.
havai prepaid health cair act elavu.
erisa niyamathil oppuvaykkunnathinu eathaanum maasangalkk munbu aaa samsthaanam nadappaakkiya havaay prepaid health cair act (havaay puthukkiya staatyoottukal adhyayam 393) sambandhichu erisayil prathyekamaayi oru elavu adangiyirikkunnu. thalphalamaayi, havaayiyile swakaarya thozhiludamakal erisaykku purame aaa samsthaana niyamatthinte niyamangalkk vidheyaraanu. eee elavu 1974 leeii yadhaartha roopathil niyamam maravippikkukayum cheiyunnu, athaayath kongras amgeekaaramillaathe havaay niyamanirmmaana sabhaykku bharanethara bhedagathikal varuthaan kazhiyilla.
niyamam.
thalakkett I: jeevanakkaarude aanukoolya avakaashangalude samrakshanam.
thalakkett I jeevanakkaarude aanukoolyangalkkulla avakashangal samrakshikkunnu. aaa lakshyam nedunnathinulla chila vazhikal chuvade
thalakkett I-ll mukalil vivaricha pension funting, vesting niyamangal ennivayum ulppedunnu.
yunaittad stetts department oof laberinte employee benefits security administration ("ibsa") sheershakam I-nuu melnottam vahikkunnathinum niyamam nadappaakkunnathinum vyaakhyaanikkunnathinum nadappaakkunnathinum niyanthranangal prakhyapikkunnathinum utharavaadiyaanu. aasoothrana vishwaasikalkkum aasoothranathil pankedukkunnavarkkum federal kodathiyil chila sivil kaaranagal konduvaraan kazhiyum.
thalakkett II: viramikkal padhathikalumaayi bandhapetta aabhyanthara ravanyoo kodile bhedagathikal.
thalakkett II aabhyanthara ravanyoo coode (aii. aarr. sii) bhedagathi cheythu. mattangal thaazhepparayunnavayaanu
thalakkett III: adhikaraparidhi, bharanam, nadappaakkal; samyuktha pension task fozhsu muthalaayava..
thalakkett III erisa nadappaakkunnathil thozhil, treasury vakuppukal thammilulla ekopanathinulla nadapadikramangal roopappeduthunnu.
erisaykku keezhil pension padhathikalkku aavashyamaaya vividha actuarial jolikal cheyyaan aakchvarikalkku licenses nalkunna aakchvarikalude entolmentinaayi ithu oru samyuktha board srishtichu. joyint board chernna aakchvarikalkku rund pareekshakal nadathunnu. oru vyakthi rund pareekshakalilum vijayikkukayum prasakthamaaya professional anubhavam poortthiyaakkukayum cheytha sesham aval allengil avan oru entol cheytha aakchwariyaayi maarunnu.
thalakkett IV: plan termination insurance.
thalakkett IV kuranja dhanasahaayathode avasaanippicha plaanukalil pankedukkunnavarude aanukoolyangal urappakkunnathinaayi pension benifit gyaarandi korppareshan (pbgc) srishtichu. oru pension plan avasanippikkunnathinum pii. bii. jii. sii. swamedhayaa avasanippikkunnathinum pinthudarenda nadapadikramangalum ithu vivarikkunnu.
otta thozhiludama padhathikal.
staanderd avasaanippikkal.
plaaninte asthikal athinte baadhyathakalkk thulyamo athil kooduthalo aanenkil oru thozhiludamaykku oru staanderd termination prakaram oru single employer plan avasaanippikkam. asthikal baadhyathakalekkaal kurravaanengil, padhathikku poornnamaayum fund nalkunnathinu aavashyamaaya thuka thozhiludama sambhavana cheyyanam. thozhiludama padhathi avasaanippikkaan theerumaanichathinaal oru staanderd terminatione chilappol swamedhayaa avasaanippikkal ennu vilikkunnu.
oru staanderd terminationil, planinu keezhil labhikkuna ellah aanukoolyangalum 100% nikshipthamaakum. plan pankedukkunna ellaavarkkumaayi anvity karaarukal vaanganam. plan ottathavana adaykkaan anuvadikkukayaanenkil, jeevanakkaarkk ottathavana adaykkukayo anvity nalkukayo cheyyaam.
oru staanderd termination poortthiyaaya sesham eathenkilum asthikal plaanil avasheshikkukayaanenkil, plaaninte vyavasthakal avayude chikitsa niyanthrikkunnu. chila plaanukalil, adhika asthikal thozhiludamaykku thirike nalkunnu; mattu plaanukalil, adhika asthikal pankedukkunnavarude aanukoolyangal vardhippikkunnathinu upayogikkanam.
durithangal avasaanippikkunnu.
eee vyavasthakalilonnu nilavilundennu thozhiludama pii. bii. jii. sick kaanichukodukkukayaanel oru thozhiludamaykku otta thozhiludama padhathi avasaanippikkam
oru duritakaala avasaanippikkal uchithamaanennu pii. bii. jii. sii kandethukayaanengil, plaaninte baadyathakal kanakkaakkukayum athinte aasthikalumayi thaarathamyam cheyyukayum cheiyunnu. rund moolyangalum thammilulla vyathyaasathe aashrayich, avasaanippikkal oru staanderd avasaanippikkal poleyo allengil pbgc aarambhichathupoleyo kanakkakkaam.
pii. bii. jii. sii aarambhicha avasaanippikkal.
thazhepparayunnavayil onnu nirnnayikkukayaanenkil pbgck oru single employer plan avasanippikkunnathinulla nadapadikal aarambhikkam
pbgc aarambhicha avasaanippikkaline chilappol "swamedhayaa avasaanippikkal" ennu vilikkunnu.
oru plan avasaanippichathinushesham pii. bii. jii. sii nalkunna aanukoolyangal thozhiludama vaagdaanam cheythathinekkaal kuravaayirikkaam. vishadaamshangalkku pension benifit gyaarandi korppareshan kaanuka.
multy employer plaanukal.
oru multy employer plan moonnu vazhikalil onnil avasaanippikkam
noonn-erisa statasum paapparathavum.
2005-ll, erisaykku vidheyamallaatha mikka samghaditha viramikkal padhathikaleppolum ozhivaakkikkond bapcpa paapparattha coode bhedagathi cheyyukayum yuu. esinu keezhil paapparattham prakhyaapicha oru kadakkaaran ozhivakkappetta swathaayi avakaashappedaavunna parirakshitha padavi nalkukayum cheythu.ezz. paapparattha coode.
ippol, mikka pension padhathikalkkum eee pensionukalkku oru chelavu-labha trasttinte athe samrakshanam nalkunna oru erisa aanti-eleanation klosinte athe parirakshayund. lalithamaaya ira, sep ira ennivayaanu avasheshikkunna arakshita mekhalakal. sep ira pravartthanaparamaayi oru svayam-settil trasttinu samaanamaan, sep iraasine samrakshikkathirikkaan oru nalla nayaparamaaya kaaranam nilanilkkum, ennaal pala saambathika aasoothrakarum vaadikkunnathu oru sep irayil ninnu oru "rollover irayilekku" oru rollover (allengil nerittulla kaimaattam) aaa fandukalkku samrakshitha padavi nalkumennaanu.
niyamangal kandethuka.
intenal ravanyoo coode vibhaagangalum (vyakthigatha retairment akkoundumaayi bandhapetta), vibhaagangalum, koodaathe,, ennivayulppede american aikyanaadukalile vividha sthalangalil erisayude bhagangal krodeekarichirikkunnu.
erisa niyamathile vibhaagangalum yuu. yile anubandha vibhaagangalum thammilulla oru cross-reference.ezz.coode ivide kaanaam// /veena.org/erisaxref.echu. tii. emm.

