ERISA 員工福利計劃忠誠保證保險：保障計劃資產，與受託人責任保險不同 | ERISA fidelity bonds: protecting plan asset... - Printable Version +- INL3 Community | 中英生活社群 (https://inl3.com) +-- Forum: 美國 | United States (https://inl3.com/forumdisplay.php?fid=1) +--- Forum: 保險 | Insurance (https://inl3.com/forumdisplay.php?fid=5) +--- Thread: ERISA 員工福利計劃忠誠保證保險：保障計劃資產，與受託人責任保險不同 | ERISA fidelity bonds: protecting plan asset... (/showthread.php?tid=2182)

ERISA 員工福利計劃忠誠保證保險：保障計劃資產，與受託人責任保險不同 | ERISA fidelity bonds: protecting plan asset... - INL3 保險新聞台 - 10-05-2026 ERISA 員工福利計劃忠誠保證保險：保障計劃資產，與受託人責任保險不同 ERISA fidelity bond 是保障員工福利計劃的保險，針對處理計劃資金或財產的人員作出欺詐、不誠實行為所造成的損失。它與承保受託責任違反的 fiduciary liability insurance 不同，後者不能代替前者的法定要求，也不能把忠誠保證保險當成投資價格或收益的保障。 僱主或計劃管理者應盤點有收取、保管、轉移或支付資金權限的人員及服務商，確認是否適用豁免、保障額及合資格承保商。保單須明確識別計劃為受保對象，才可就受保損失提出申索。DOL 提供完整問答及 EBSA 諮詢電話 866-444-3272；應按實際計劃核對，不能假定所有政府、教會或未提存福利計劃都適用相同要求。 官方來源： https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/erisa-fidelity-bond.pdf https://webapps.dol.gov/elaws/ebsa/fiduciary/q4c.htm 查閱日期：2026-10-04（美國太平洋時間）。本篇為參考指南，並非即時新聞；原文首次刊登日期未能確認。 圖片：一般文件簽署實拍，日期及地點未提供；並非 ERISA 保單、受託人或真實申索。 Alena Darmel · Pexels License · Date and location not supplied. General document-signing photograph, date/location unspecified; not an ERISA bond, fiduciary or actual claim. Licence: https://www.pexels.com/license/ Photo source: https://www.pexels.com/photo/a-person-signing-a-contract-7641842/ Display-size derivative; no INL3 content edits. English ERISA fidelity bonds: protecting plan assets differs from fiduciary liability insurance An ERISA fidelity bond protects an employee benefit plan against losses from fraud or dishonesty by people handling its funds or property. It differs from fiduciary liability insurance for breaches of fiduciary responsibility; that liability policy does not satisfy the bonding requirement. A fidelity bond also does not protect market prices or guarantee returns. Employers and plan administrators should identify staff and providers who receive, hold, transfer or disburse plan assets, then check exemptions, coverage amounts and eligible sureties. The bond must specifically identify the plan as an insured party so it can claim for covered losses. DOL provides a detailed Q&A and EBSA assistance at 866-444-3272. Check the actual plan: government, church and wholly unfunded arrangements do not necessarily face the same rules. Official sources: https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/erisa-fidelity-bond.pdf https://webapps.dol.gov/elaws/ebsa/fiduciary/q4c.htm Checked: October 4, 2026 (Pacific Time). Reference guide, not breaking news; original publication date unconfirmed. Photo: General document-signing photograph, date/location unspecified; not an ERISA bond, fiduciary or actual claim. Alena Darmel · Pexels License · Date and location not supplied. General document-signing photograph, date/location unspecified; not an ERISA bond, fiduciary or actual claim. Licence: https://www.pexels.com/license/ Photo source: https://www.pexels.com/photo/a-person-signing-a-contract-7641842/ Display-size derivative; no INL3 content edits. Alena Darmel · Pexels License · Date and location not supplied. General document-signing photograph, date/location unspecified; not an ERISA bond, fiduciary or actual claim. Licence: https://www.pexels.com/license/ --- 來源 / Source: US Department of Labor ERISA fidelity bonding 原文與詳細資訊 / Read the original source 由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。 Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider. 影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。 Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.