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Employee Retirement Income Security Act of 1974 (ERISA)

Legislation enacted in 1947 that protects workers from losing benefits that are provided through the workplace. The Act does not require employers to establish a benefit plan for employees but does include requirements for the plan when one is in place.

Hardship Exemption

Because of the individual mandate under the Affordable Care Act, most people must pay a fee if they don't have health coverage that qualifies as…