The Power of Dicta—Make-Whole Relief Under ERISA Comes to the Fourth Circuit

On July 5, 2012, the United States Court of Appeals for the Fourth Circuit Court issued a significant opinion concerning the liability of insurers (and, potentially, employers) that are alleged to have provided misleading or faulty summary plan descriptions (SPDs) to employees.  The c
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Use of Electronic Distribution of SPDs Continues to Grow

There’s no doubt – electronic distribution of benefit communication materials is on the rise. Employers are realizing that not only does electronic distribution of Summary Plan Descriptions (SPDs) save money; it results in faster distribution of SPDs that better reflect current plan p
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