How can employers offer a lower level of insurance benefits for mental health

S

Steve M

New member
than all others? How can employers offer two years of disability insurance coverage for mental health and coverage to retirement age for all others. Isn't this considered discrimination under the ADA (Federal)? Do state Parity laws have any affect here? How does a disability plan participant with mental health disabilities receive the same benefits as plan participants with any other type of disability? It appears that the state laws differ greatly from the ADA, but have no teeth...Why?
I understand that benefits are not a right and more of a privilege, but if benefits are offered then employers of certain a certain size are bound to ERISA. And EVERYONE is subject to ADA laws. If you offer disability insurance then isn't it illegal (based on ADA) to provide a lesser benefit to a particular class?
 
You seem to be operating under the misunderstanding that you have rights. Employers can offer whatever health plan they choose. Or none. Your job is to suck it up and take it.

I really loathe Michael Moore, but his flick "Sicko" does a good job of explaining how healthcare works in the US.
 
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