Why is each of the following good legal advice?
a. Benefit plan administrators must base their decisions about eligibility for benefits on plan documents, have reasons for their decisions, and use all of the current, relevant information available to them.
b. Health insurance plans must cover medical expenses related to childbirth and not impose deductibles or co-payments for such treatment that exceed those required for other medical treatments.
c. Group health plans must not limit eligibility based on health status, medical condition, claims experience, medical history, genetic information, or the disability of an employee or dependent.
d. A pension plan must have mandatory vesting.
e. Employers should be careful in advising employees about their benefits and refer them back to SPD's and other plan documents.
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