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Health & Welfare Benefit Plans

Health care continues to be an issue of national prominence.  At Franczek, we are well-versed on all aspects of employer provided health care, multi-employer welfare plans and other health and welfare benefits.  Whether it be plan design, cost containment, union or bargaining issues or governmental compliance, our attorneys are on the cutting edge of developments in this ever changing arena.  We provide practical legal advice and cut through the alphabet soup of regulation including PPACA, COBRA, HIPAA, FMLA and ADA issues.  Our attorneys are experienced in a wide variety of welfare plans including sickness and accident plans, long and short term disability, life insurance, transit and tuition reimbursement, and other fringe benefit programs.  Our attorneys were pioneers in the funding of retiree medical benefits through VEBAs, and have a proven track record of assisting employers in retiree and welfare plan litigation.

Medical Care Cost Containment

Health care premiums have risen a total of 84% since 2000. At Franczek, we counsel our clients on the various methods to help curb this dramatic increase in cost. With the use of HRAs, HSAs, cafeteria plans and flexible spending accounts, consumer-driven plan designs and wellness programs, both employers and employees can achieve significant savings. Our attorneys invest the effort to analyze the entire health and welfare package. Our team helps implement new medical plan designs, amend existing ones, and we assist in vendor selection as well.

Medical Plans

Franczek attorneys regularly assist in designing medical, dental, life insurance, cafeteria and flexible spending, and other employee fringe benefit plans.  We advise not only on the implications under ERISA and the Internal Revenue Code, but our attorneys are well versed in the implications of Title VII, the Age Discrimination in Employment Act, and the Americans with Disabilities Act as well. 

Our attorneys regularly advise clients on complying with these requirements. We work closely with our clients to determine and meet their objective of providing employee health care at a level that will attract quality talent at an affordable cost.

VEBAs & Retiree Health Care Issues

Although Voluntary Employee Benefit Associations have been around since 1928, these newly popular tax-exempt funding arrangements are attracting increased attention.  Many corporations and governmental bodies are quickly recognizing that VEBAs are a great way to provide retiree medical care funding for their employees.  Franczek attorneys have a proven track record of designing and implementing these arrangements.