Maryland Health Connection managers have drafted a double-wide flow chart.

Along with many other goodies (sarcasm implied), health care reform has brought ERISA compliance to the forefront and if you are a broker or employer you better listen up.

With the threat of stiff penalties removed for at least a year, large employers may now decide whether to offer insurance based on whats best for their employees.

Same-sex couples legally wed where allowed by various states now must be treated as spouses under the U.S. tax code, ERISA, and more than 1,000 other federal laws.