ERISA law ensures plan members receive a summary description of benefits, have appeal rights, and can file a suit for unpaid claims. This GRIST provides a basic primer on ERISA's preemption of state laws, including various exceptions, exclusions and court rulings.This issue brief surveys state legislation influencing health care costs over the past three years and assesses the threat that ERISA preemption poses. Why Use a Wrap Plan Document and SPD? • No reason for employers to attempt to restate and maintain the detailed benefit listing in the documents already made. When healthcare providers bring state law reimbursement claims against healthcare payors, the parties are often forced to address the issue of Employee. What does the Act require? Section 412 of ERISA also spells out specific coverage requirements for ERISA fidelity bonds. Limits.