人壽保險計劃是否是一個啟發計劃？
人壽保險計劃是否是一個啟發計劃？
 Life insurance is not an ERISA plan. However, life insurance purchased in a pension plan has ERISA implications. ERISA is a federal law which dates back to 1974 that sets minimum standards for retirement plans in the private sector. The protections provided to plan participants are extensive. To the extent that retirement plans utilize life insurance and related products as plan assets, the standards and protections can indirectly apply to such products. For example, there are specific rules for qualified retirement plans which place limits on life insurance as a plan asset.
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