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Consolidated Omnibus Budget Reconciliation Act of 1985

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575:'s legislation only applies to employers with a group health insurance plan with a situs in Maryland and with fewer than twenty employees that continuation coverage must be offered to an employee who lives in Maryland, who had coverage from the employer for at least three months, and who either resigns or loses employment due to no fault of their own. Continuation coverage must also be offered to the former spouse and dependent children of an employee after a divorce. One exception to the eighteen-month rule is that coverage may end for the former spouse upon the former spouse's remarriage. Continuation coverage must also be offered to the surviving spouse and dependent children of an employee who dies. The employee must have resided in Maryland and had coverage with the employer for at least three months prior to death. In all cases, continuation coverage must be offered for eighteen months, with the exception that a former spouse's continuation coverage ends upon remarriage. 389:...the coverage you are given must be identical to the coverage that is currently available under the plan to similarly situated active employees and their families (generally, this is the same coverage that you had immediately before the qualifying event). You will also be entitled, while receiving continuation coverage, to the same benefits, choices, and services that a similarly situated participant or beneficiary is currently receiving under the plan, such as the right during an open enrollment season to choose among available coverage options. You will also be subject to the same rules and limits that would apply to a similarly situated participant or beneficiary, such as co-payment requirements, deductibles, and coverage limits. 34: 684: 670: 353:
misconduct"), layoff, strike or lockout, medical leave, or slowdown in business operations; (3) divorce or legal separation that terminates the ex-spouse's eligibility for benefits; or (4) a dependent child reaching the age at which he or she is no longer covered. COBRA imposes different notice requirements on participants and beneficiaries, depending on the particular qualifying event that triggers COBRA rights. See
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part to conservative Democrats in Congress who have expressed concerns about treating some unemployed workers differently from others, such as people priced out of the private insurance market. A number of Senate Democrats expressed concern about this situation and have introduced legislation to expand COBRA coverage to people who become unemployed through November 2010, but such legislation did not pass in 2010.
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care plan to maintain their coverage if a "qualifying event" causes them to lose coverage. However, the legislation was subsequently amended to instead impose an excise tax upon an employer whose health plan fails to satisfy the applicable rules. A qualifying employer is generally an employer with 20 or more full-time-equivalent employees.
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employer needs to be informed of the Social Security Administration's disability determination before the 18-month period has elapsed and within 60 days of the date it is received by the disabled qualified beneficiary. If one member of a family qualifies for the 29-month period, then the entire family qualifies for the 29-month period.
564:'s Continuation of Health Coverage Act of 2001 applies to employers with a group health insurance plan with a situs in the District of Columbia and with fewer than twenty employees. Coverage must be offered to be extended for a period of three months following the date that coverage would have ended. 524:
As of June 2010, an extension of COBRA's premium assistance has not materialized, and attempts by congressional members to include such provisions have been dropped. As of June 1, 2010, all newly unemployed workers must pay full coverage costs as determined by their respective plans. This is due in
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On March 3, 2010, President Obama signed into law the Temporary Extension Act of 2010. The Act extends COBRA subsidy eligibility to employees who lost their jobs due to no fault of their own between March 1 and 31, 2010. In addition, employees who lost group health insurance due to reduced work hours
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On December 19, 2009, President Obama signed into law the Department of Defense Appropriations Act, 2010, which made several amendments to the COBRA provisions of the American Recovery and Reinvestment Act of 2009 (ARRA). The Act extends COBRA subsidy eligibility to employees who lost their jobs due
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Another extended coverage period involves Medicare eligibility. If an end of employment occurs less than 18 months after the employee's Medicare entitlement, qualified beneficiaries other than the covered employee must be allowed 36 months of COBRA coverage from the date of the Medicare entitlement.
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ERISA cites "(more) than 20 employees on a typical business day during the preceding calendar year". All employees must be counted, even employees who have voluntarily waived group health coverage or who are not eligible for group health coverage due to part-time status. Employees who work less than
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Among the "qualifying events" listed in the statute are loss of benefits coverage due to (1) the death of the covered employee; (2) an employee loses eligibility for coverage due to voluntary or involuntary termination or a reduction in hours as a result of resignation, discharge (except for "gross
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Termination of employment must have occurred between September 1, 2008 and December 31, 2009 (later expanded to February 28, 2010, expanded again to March 31, 2010, and then expanded again to June 2, 2010). Specific provisions and responsibilities may differ in the state specific mini-COBRA plans
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COBRA allows for coverage for up to 18 months in most cases. If the individual is deemed disabled by the Social Security Administration, coverage may continue for up to 29 months. In the case of divorce from the former employee, the former spouse's coverage may continue for up to 36 months. In the
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Only 10% of Americans eligible for COBRA insurance in 2006 used it, many because they were unable to afford to pay the full premium after their job loss. While some employers may voluntarily help subsidize or fully cover the cost of COBRA insurance as part of a termination or exit package, it is
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As originally enacted, Title X of the Act provided that a qualifying employer will not be permitted to take a tax deduction for its health insurance costs unless its health insurance plan allows employees of the employer and the employee's immediate family members who had been covered by a health
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COBRA coverage must be allowed 29 months of COBRA coverage if the qualifying beneficiary is deemed by the Social Security Administration, under Title II or Title XVI, to have been disabled before the end of the first 60 days of COBRA continuation coverage. In order for these rights to apply, the
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COBRA coverage is typically temporary and individuals may be required to pay the full premium for the coverage, including the portion previously paid by the employer. The duration of COBRA coverage can vary depending on the specific qualifying event and the state in which the individual resides.
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Employees and dependents can also opt for a lesser form of coverage, e.g., to choose continuation coverage under a plan that only covers the employee, but not his or her dependents, or that only provides medical and hospitalization coverage and does not pay for dental work, if those options are
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Qualified beneficiaries must notify the plan administrator of a divorce, legal separation, or a dependent child ceasing to be a dependent under the terms of the plan within 60 days of the later of either the date of the event or the date coverage would be lost as a result of the
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to employers (generally those with 20 or more full-time equivalent employees) for contributions to a group health plan unless such plan meets certain continuing coverage requirements. The violation for failing to meet those criteria was subsequently changed to an
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plan, and with twenty or fewer employees. Employers must offer continuation coverage to employees for twelve months. The legislation does not apply to employees who did not have coverage from the employer for at least three months prior to the qualifying event.
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Forty-one states have legislation similar to federal COBRA requiring employers to allow employees and their dependents to continue their group health insurance coverage following certain qualifying events. The District of Columbia also has laws covering COBRA.
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COBRA does not apply to businesses with fewer than twenty employees, but the majority of states have stepped in with state health insurance continuation laws, sometimes called "mini-COBRA" laws, which apply in these cases. Some of these are described
448:: Individuals who were covered under the group health plan but lost coverage due to a qualifying event, such as the death of the covered employee, divorce or legal separation, a reduction in work hours, or the employee's eligibility for Medicare. 1204: 397:
Employees and dependents lose coverage if they fail to make timely payments of these premiums. Employers are required to inform employees and dependents upon loss of coverage, in writing, by at least fifteen days before the coverage ceases.
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The first day of leave under the Family Medical Leave Act of 1993 (FMLA) is not a qualifying event for COBRA purposes. The qualifying event for COBRA occurs if and when it becomes known that the employee will not be returning from the
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Qualified beneficiaries then have 36 months from the date of Medicare entitlement or 18 months from the end of employment, whichever is longer. A covered employee must be allowed 18 months of COBRA coverage from the end of employment.
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for employers with fewer than 20 employees throughout half of the previous calendar year. Those employees who are eligible for the ultimate benefits of this subsidy are referred to as Assistance Eligible Individuals (or AEIs).
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If the employee has an adjusted gross income in 2009 over $ 125,000 if filing as single ($ 250,000 if filing jointly), then the subsidy will be recaptured in a phased manner from the employee through the tax system.
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includes a 65% subsidy to employees for COBRA-enabled insurance for up to 9 months after an involuntary termination (this has since been expanded to 15 months). An employee is eligible for this subsidy if
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When an employee is discharged for gross misconduct, the employer is not required to offer COBRA continuation coverage to the employee, the employee's spouse, or the employee's dependents. See
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Discrepancies between the date in the official title of a U.S. budget Act and the date on which the Act was signed into law occur with some frequency. See, for example, the
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Employers that provide COBRA qualified insurance are required to provide information about rights and coverage options to individuals eligible for coverage under the plan.
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Pay the full amount of the premiums and seek reimbursement of the 65% subsidy by including it in the Employer's Quarterly Federal Tax Return (Form 941)
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COBRA does not apply if coverage is lost because the employer has terminated the plan altogether or because the employer has gone out of business.
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on or after Sept. 1, 2008, followed by involuntary termination between March 2 and March 31, 2010, will now be eligible for the COBRA subsidy.
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An individual covered under COBRA may also be covered by another group health plan or Medicare as long as either of two conditions is met:
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to no fault of their own between January 1 and February 28, 2010. The nine-month subsidy period was also expanded to fifteen months.
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Zickafoose v. UBServices, Inc., 23 F.Supp.2d 652, 655 (S.D.W.Va.1998). "Conduct is gross misconduct if it is so outrageous that it
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An Act to provide for reconciliation pursuant to section 2 of the first current resolution on the budget for fiscal year 1986
1436: 1287: 3261: 2966: 2334: 2045: 1547: 1488: 1470: 1412: 841: 759: 3210: 2080: 1849: 1536: 1561: 552:'s legislation applies to non-government employers with a group health insurance plan with fewer than twenty employees. 2901: 2611: 809:"Not Eligible for COBRA for Health Insurance? You Might Still be Eligible for Mini-Cobra Health Insurance Continuation" 1453: 879: 2806: 2711: 2422: 1835: 1003: 382: 150: 3046: 3031: 2741: 2327: 2276: 2121: 1886: 1871: 1605: 529: 162: 136: 2951: 2706: 2519: 2283: 1721: 1714: 1707: 1700: 1693: 1686: 1679: 587: 329: 94: 86: 2911: 2355: 3256: 2996: 2991: 2931: 2846: 2831: 2746: 2676: 2450: 2436: 2320: 2290: 2142: 2052: 1156: 1095: 710: 3195: 3190: 3145: 3135: 2601: 2596: 2494: 2348: 1951: 1856: 375: 284: 252:
that, among other things, mandates an insurance program which gives some employees the ability to continue
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The Continuing Extension Act of 2010 extends premium assistance for COBRA benefits through May 31, 2010.
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full-time must be counted as a fraction of a full-time employee based on the employees' work hours.
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Notify terminated employees of their potential rights under ARRA by sending a series of notices
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case of death of the former employee, the widow's coverage may continue for up to 36 months.
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included a provision to fully cover COBRA premiums from April through September 2021.
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The other coverage is subject to pre-existing conditions exclusions or limitations.
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Under COBRA, the following individuals may be eligible for continuation coverage:
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the terminated employee has no other group sponsored health insurance option, and
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This Act was signed into law by President Barack Obama on February 17, 2009.
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The other coverage was in force as of or prior to the coverage under COBRA.
1346:"Virginia House Bill 315 Extends State Continuation Coverage to 12 Months" 436:: Spouses of covered employees who were enrolled in the group health plan. 260:
of 1974 (ERISA). The law deals with a great variety of subjects, such as
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Legislative Information System, Division of Legislative Automated Systems
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This article is about the US medical insurance law. For other uses, see
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DOL.GOV's FAQs For Employers About COBRA Continuation Health Coverage
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Federal Employees Liability Reform and Tort Compensation Act of 1988
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coverage after leaving employment. COBRA includes amendments to the
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Health Insurance Portability and Accountability Act of 1996 (HIPAA)
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the terminated employee is otherwise eligible to enroll in COBRA.
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Surface Transportation and Uniform Relocation Assistance Act
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Emergency Food Assistance and Soup Kitchen-Food Bank Program
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Health Insurance Portability and Accountability Act of 1996
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more common for the ex-employee to cover the entire cost.
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COBRA does not, unlike other federal statutes such as the
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Voting Accessibility for the Elderly and Handicapped Act
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Consolidated Omnibus Budget Reconciliation Act of 1985
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Consolidated Omnibus Budget Reconciliation Act of 1986
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Consolidated Omnibus Budget Reconciliation Act of 1985
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became law on April 7, 1986, its official name is the
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Consolidated Omnibus Budget Reconciliation Act of 1985
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Consolidated Omnibus Budget Reconciliation Act of 1985
1059:"Another COBRA extension helps with health insurance" 2199:
Superfund Amendments and Reauthorization Act of 1986
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CareFirst BlueChoice; CareFirst BlueCross BlueShield
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Employers subject to Federal COBRA are required to:
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United States House Committee on Energy and Commerce
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United States House Committee on Education and Labor
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Uniformed and Overseas Citizens Absentee Voting Act
2393:Medicaid Home and Community-Based Services Waivers 2106:Emergency Planning and Community Right-to-Know Act 1463: 837:"Benefits Under Continuation Coverage" section of 317: 1319:. State of Maryland. May 30, 2008. Archived from 1260:"Health and Safety Code, Section 1366.20-1366.29" 951:"Bill Aims To Subsidize Health Care For Laid-Off" 456: 3247:United States federal reconciliation legislation 3233: 2430:Tax Equity and Fiscal Responsibility Act of 1982 2372:Interest and Dividend Tax Compliance Act of 1983 1407:US Department of Labor: COBRA FAQs for Employees 1241:. U.S. Department of Health & Human Services 131:in the House of Representatives as H.R. 3128 by 2488:Technical and Miscellaneous Revenue Act of 1988 2206:Temporary Emergency Food Assistance Act of 1983 1284:Department of Insurance, Securities and Banking 1150: 114:Employee Retirement Income Security Act of 1974 1425:Library of Congress THOMAS summary of the Act. 1155:. Yahoo News. Associated Press. 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Archived from 682: 668: 530:American Rescue Plan Act of 2021 394:available to covered employees. 163:House Committee on the Judiciary 32: 2284:Agricultural Credit Act of 1987 1252: 1227: 1197: 1171: 1125: 1113:Geisel, Jerry (March 3, 2010). 1106: 1069: 1050: 1021: 964: 942: 918: 894: 864: 831: 801: 792: 783: 640: 630: 620: 2356:Dairy Export Incentive Program 1280:"Bulletin No. 01-LG-004-12/18" 974:. HealthHarbor. Archived from 858:Geissal v. 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State of Virginia 1033:Department of Labor 1004:Department of Labor 882:on 30 November 2009 133:Daniel Rostenkowski 120:Legislative history 28: 3166:1930: Smoot–Hawley 3065:1791: Hamilton III 1843:Iran–Contra affair 1537:First inauguration 1460:, private website) 1430:2016-01-07 at the 1215:on August 13, 2012 1119:Business Insurance 861:524 U.S. 74 (1998) 844:2013-12-27 at the 440:Dependent Children 143:) on July 31, 1985 26: 3229: 3228: 3070:1792: Hamilton IV 3060:1790: Hamilton II 2957:2010 (PL 111-312) 2952:2010 (PL 111–240) 2530: 2529: 1901:Montreal Protocol 1731: 1730: 1722:1988 SOTU Address 1715:1987 SOTU Address 1708:1986 SOTU Address 1701:1985 SOTU Address 1694:1984 SOTU Address 1687:1983 SOTU Address 1680:1982 SOTU Address 1620:Executive actions 1413:Employee Brochure 381:According to the 230: 229: 185:Passed the Senate 88:Statutes at Large 62:Announced in 3269: 3221:2018/2019: Trump 3171:1934: Reciprocal 3095:1833: Compromise 3055:1789: Hamilton I 2557: 2550: 2543: 2534: 2533: 2523: 2514: 2497: 2490: 2483: 2476: 2469: 2460: 2453: 2446: 2439: 2432: 2425: 2418: 2411: 2404: 2395: 2388: 2381: 2374: 2367: 2358: 2351: 2344: 2337: 2330: 2323: 2316: 2309: 2300: 2293: 2286: 2279: 2259: 2252: 2245: 2238: 2231: 2224: 2215: 2208: 2201: 2194: 2187: 2180: 2173: 2166: 2159: 2152: 2145: 2138: 2136:Grace Commission 2131: 2124: 2115: 2108: 2099: 2092: 2083: 2076: 2069: 2062: 2055: 2048: 2041: 2034: 2025: 2018: 2011: 2004: 1984: 1977: 1968: 1961: 1954: 1947: 1938: 1931: 1924: 1917: 1910: 1903: 1896: 1889: 1882: 1875: 1866: 1859: 1852: 1845: 1838: 1831: 1822: 1820:Governors Island 1815: 1806: 1799: 1792: 1785: 1778: 1769: 1762: 1755: 1748: 1724: 1717: 1710: 1703: 1696: 1689: 1682: 1675: 1667: 1659: 1643: 1642: 1636: 1629: 1627:Executive orders 1622: 1615: 1608: 1601: 1594: 1585: 1578: 1571: 1564: 1557: 1550: 1543: 1532: 1505: 1498: 1491: 1482: 1481: 1448:Private websites 1409:(2011, archived) 1394: 1393: 1391: 1389: 1379: 1371: 1365: 1364: 1362: 1360: 1350: 1342: 1336: 1335: 1333: 1331: 1325: 1314: 1310:"Bulletin 08-13" 1306: 1300: 1299: 1297: 1295: 1276: 1270: 1269: 1267: 1266: 1256: 1250: 1249: 1247: 1246: 1231: 1225: 1224: 1222: 1220: 1211:. 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Index

Cobra (disambiguation)
Great Seal of the United States
Acronyms
99th United States Congress
Statutes at Large
Stat.
82
Employee Retirement Income Security Act of 1974
Daniel Rostenkowski
D
IL
House Committee on Ways and Means
United States House Committee on Education and Labor
United States House Committee on Energy and Commerce
House Committee on the Judiciary
Senate Committee on Finance
238-183
93-6
78-1
230-154
Ronald Reagan
U.S. Congress
reconciliation basis
Ronald Reagan
health insurance
Employee Retirement Income Security Act
tobacco
price supports
railroads
pension

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