While employers are not required to provide pension and retirement plans for their employees, they get tax benefits if they do.  In exchange for those tax benefits, they must meet certain standards for funding and managing those plans.  In 1974, Congress passed the Employee Retirement Income Security Act (ERISA) in order to make sure that benefits promised to employees were there when they needed them.  Unfortunately, some employers still refuse or neglect to comply with the law.  Pensions and other benefits that employees have earned and counted on turn out to be illusory promises.  When that happens, the managers or owners of the business can be held liable.  In some cases, insurance money is available.  It takes a knowledgeable and experienced lawyer to figure out where the money will come from to fulfill your expectations.   An ERISA lawyer at Bryant Legal Group PC can investigate all options for recovering your retirement or health care money.