,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #cgeh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #e1 #bjbe,mr4   
,de,saulnier 7= himself & ,mr4 ,scott ( 
,virg9ia7 introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,education & 
,work=ce  ,a ,,bill  ,to am5d !         
,employee ,retirem5t ,income ,security  
,act ( #aigd to e/abli% p>ity 9 !       
treatm5t ( behavioral heal? & physical  
heal? conditions "u disability b5efit   
plans4  #a4 ,%ort title  ,?is ,act may  
be cit$ z ! ,work]s' ,disability        
,b5efits ,p>ity ,act ( #bjbe4  #b4      
,f9d+s2 ,s5se ( ,congress  7a7 ,f9d+s ,!
 ,congress f9ds ! foll[+3 7#a7 ,!       
,advisory ,c\ncil on ,employee ,welf>e &
 ,p5sion ,b5efit ,plans 7,,erisa        
,advisory ,c\ncil7 0 e/abli%$ pursuant  
to section #eab ( ! ,employee ,retirem5t
 ,income ,security ,act ( #aigd 7#bi    
,u4,s4,c4 #aadb7 to provide advice &    
recomm5dations to ! ,secret>y ( ,labor4 
7#b7 ,9 #bjbc1 ! ,,erisa ,advisory      
,c\ncil publi%$ a report to ! ,secret>y 

entitl$ ,long-,t]m ,disability ,b5efits 
& ,m5tal ,heal? ,disp>ity4  7#c7 ,?is   
report f\nd t discrim9atory b5efit      
limitations--includ+ duration limits    
f\nd 9 ne>ly all long-t]m disability    
b5efit plans--imp$e access to disability
 b5efits = work]s ^: disability is caus$
 by a behavioral heal? condition4  7#d7 
,! report call$ = ! ,secret>y to "w )   
,congress to ensure t !re is p>ity 9    
disability b5efits provid$ to work]s4   
7b7 ,s5se ( congress ,x is ! s5se (     
,congress t--  7#a7 b5efit limitations =
 work]s ^: disability is caus$ by a     
behavioral heal? condition are          
discrim9atory2 &  7#b7 disability       
b5efits %\ld be provid$ )\t reg>d to !  
cause ( a work]'s disability4  ,i       
,,erisa ,am5dm5ts  #aja4 ,p>ity 9       
disability plan requirem5ts  7a7 ,9     
g5]al ,subtitle ,b ( title ,i ( !       
,employee ,retirem5t ,income ,security  
,act ( #aigd 7#bi ,u4,s4,c4 #ajba et    
seq47 is am5d$ by add+ at ! end ! foll[+
 new "p3  #i ,disability b5efit plan    

requirem5ts  #ija4 ,def9itions ,=       
purposes ( ?is "p3  7#a7 ,disability    
b5efit ,! t]m disability b5efit means   
paym5t provid$ to a p>ticipant or       
b5efici>y z a result ( ! loss ( e>n+    
capacity result+ f injury or sickness4  
7#b7 ,disability b5efit plan ,! t]m     
disability b5efit plan means an employee
 welf>e b5efit plan t provides a        
disability b5efit to p>ticipants or     
b5efici>ies directly or ?r\gh insurance 
or o!rwise4  7#c7 ,m5tal heal? condition
 ,! t]m m5tal heal? condition means any 
condition 7o!r ?an a sub/ance use       
disord]7 t falls "u any ( ! diagno/ic   
categories li/$ 9 ! m5tal1 behavioral1 &
 neurodevelopm5tal disord]s *apt] 7or   
equival5t *apt]7 ( ! curr5t v]sion ( !  
,_w ,heal? ,organization's ,int]national
 ,/ati/ical ,classification ( ,diseases 
& ,relat$ ,heal? ,problems 7or a        
successor publication71 or t is li/$ 9 !
 curr5t v]sion ( ! ,am]ican ,psy*iatric 
,association's ,diagno/ic & ,/ati/ical  
,manual ( ,m5tal ,disord]s 7or a        

successor publication74  7#d7 ,sub/ance 
use disord] ,! t]m #8sub/ance use       
disord]' means any disord] t falls "u   
any ( ! diagno/ic categories li/$ z a   
m5tal or behavioral disord] due to      
psy*oactive sub/ance use 7or equival5t  
category7 9 ! m5tal1 behavioral1 &      
neurodevelopm5tal disord]s *apt] ( !    
curr5t v]sion ( ! ,_w ,heal?            
,organization's ,int]national ,/ati/ical
 ,classification ( ,diseases & ,relat$  
,heal? ,problems 7or a successor        
publication7 or t is li/$ z a           
,sub/ance-,relat$ & ,addictive ,disord] 
7or equival5t category7 9 ! curr5t      
v]sion ( ! ,am]ican ,psy*iatric         
,association's ,diagno/ic & ,/ati/ical  
,manual ( ,m5tal ,disord]s 7or a        
successor publication74  #ijb4 ,p>ity   
requirem5t = disability b5efits ,a      
disability b5efit plan-- 7#a7 may n     
place a limitation1 exclusion1 or o!r   
re/riction on b5efits relat+ to a       
disability aris+ f a m5tal heal?        
condition or sub/ance use disord] t is m

 re/rictive ?an ^? applicable to b5efits
 relat+ to a disability aris+ f a       
physical heal? condition2 &  7#b7 %all  
consid] any physical heal? condition    
suff]$ by an individual t is caus$ by a 
disability aris+ f a m5tal heal?        
condition or a sub/ance use disord] to  
be "p ( su* disability4  4  7b7 ,civil  
monet>y p5alties ,section #ejb7;c7 ( su*
 ,act is am5d$ by add+ at ! end !       
foll[+3  7#ac7 ,civil p5alties =        
violations ( ,"p #i  7,a7 ,9 g5]al ,!   
,secret>y may assess a civil p5alty     
aga9/ any sponsor1 adm9i/rator1 s]vice  
provid]1 or any o!r p]son or entity     
7except = a plan7 :o violates1 or kn[+ly
 causes or conceals a violation (1 "p #i
 ( ?is title4  7,b7 ,am\nt ,! am\nt ( ! 
p5alty impos$ by subp>agraph 7,a7 %all  
be equal to ! am\nt ( ! p5alty describ$ 
9 p>agraph 7#aj77;,b7 = ea* day 9 !     
noncompliance p]iod describ$ 9          
subp>agraph 7,c7 ) respect to ea*       
p>ticipant or b5efici>y to :om su*      
violation relates4  7,c7 ,noncompliance 

p]iod ,9 ?is p>agraph1 ! t]m            
noncompliance p]iod means1 ) respect to 
a violation describ$ 9 subp>agraph 7,a71
 ! p]iod-- 7i7 beg9n+ on ! date !       
violation occurs2 &  7ii7 end+ on ! date
 ! violation is correct$4  4  #ajb4     
,au?ority to collect civil monet>y      
p5alties ,section #ejb7;a77#f7 ( !      
,employee ,retirem5t ,income ,security  
,act ( #aigd is am5d$ to read z foll[s3 
7#f7 by ! ,secret>y to collect any civil
 p5alty "u ?is title2  4  ,,ii          
,additional disability p>ity requirem5ts
  #bja4 ,def9itions ,9 ?is title3  7#a7 
,adm9i/rator ,! t]m adm9i/rator has !   
mean+ giv5 ! t]m 9 section #c7af77;,a7 (
 ! ,employee ,retirem5t ,income         
,security ,act ( #aigd 7#bi ,u4,s4,c4   
#ajjb7af77;,a774  7#b7 ,employ] ,! t]m  
employ] has ! mean+ giv5 ! t]m 9 section
 #c7e7 ( ! ,employee ,retirem5t ,income 
,security ,act ( #aigd 7#bi ,u4,s4,c4   
#ajjb7e774  7#c7 ,gov]nm5tal employee   
b5efit plan ,! t]m gov]nm5tal employee  
b5efit plan has ! mean+ giv5 gov]nm5tal 

plan 9 section #c7cb7 ( ! ,employee     
,retirem5t ,income ,security ,act (     
#aigd 7#bi ,u4,s4,c4 #ajjb7cb771 except 
t su* t]m %all n include a plan e/abli%$
 or ma9ta9$ = its employees by !        
,gov]nm5t ( ! ,unit$ ,/ates1 or any     
ag5cy or in/rum5tality !re(4  7#d7      
,issu] ,! t]m issu] means an insurance  
company1 insurance s]vice1 or insurance 
organization1 :i* is lic5s$ to engage 9 
! bus9ess ( insurance 9 a ,/ate & :i* is
 subject to ,/ate law :i* regulates     
insurance 7)9 ! mean+ ( section         
#ead7;b77#b7 ( ! ,employee ,retirem5t   
,income ,security ,act ( #aigd 7#bi     
,u4,s4,c4 #aadd7;b77#b7774 ,su* t]m does
 n include an employee b5efit plan 7z   
def9$ "u section #c7c7 ( su* ,act 7#bi  
,u4,s4,c4 #ajjb7c7774  7#e7 ,secret>y ,!
 t]m ,secret>y means ! ,secret>y (      
,labor4  7#f7 ,/ate ,! t]m ,/ate        
includes--  7,a7 ! #ej ,/ates2  7,b7 !  
,di/rict ( ,columbia2  7,c7 !           
,commonweal? ( ,pu]to ,rico2  7,d7 !    
,virg9 ,isl&s2  7,e7 ,guam2  7,f7       

,am]ican ,samoa2 &  7,g7 ! ,commonweal? 
( ! ,nor!rn ,m>iana ,isl&s4  7#g7       
,additional ,,erisa t]ms ,! t]ms        
disability b5efit1 disability b5efit    
plan1 m5tal heal? condition1 & sub/ance 
use disord] h ! mean+s giv5 ! t]ms 9    
section #ija ( ! ,employee ,retirem5t   
,income ,security ,act4  7#h7 ,o!r      
,,erisa t]ms ,! t]ms adm9i/rator1       
employ]1 & ,/ate h ! mean+s giv5 ! t]ms 
9 section #c ( su* ,act4  #bjb4         
,requirem5t = p>ity 9 work]s' disability
 b5efits ,9 ! case ( any gov]nm5tal     
employee b5efit plan or issu] t provides
 disability b5efits to an individual1   
su* a plan or issu]--  7#a7 may n place 
a limitation1 exclusion1 or o!r         
re/riction on b5efits relat+ to a       
disability aris+ f a m5tal heal?        
condition or sub/ance use disord] t is m
 re/rictive ?an ^? applicable to b5efits
 relat+ to a disability aris+ f a       
physical heal? condition2 &  7#b7 %all  
consid] any physical heal? condition    
suff]$ by an individual t is caus$ by a 

disability aris+ f a m5tal heal?        
condition or a sub/ance use disord] to  
be "p ( su* disability4  #bjc4 ,en=cem5t
  7a7 ,/ate en=cem5t  7#a7 ,/ate        
au?ority ,) respect to disability       
b5efits provid$ by an issu]1 ea* ,/ate  
may require t issu]s t issue1 sell1     
r5ew1 or (f] disability b5efits 9 !     
,/ate meet ! requirem5ts ( ?is title )  
respect to su* issu]s4  7#b7 ,failure to
 implem5t provisions ,9 ! case ( a      
det]m9ation by ! ,secret>y t a ,/ate has
 fail$ to sub/antially en=ce !          
requirem5ts ( ?is title ) respect to    
insurance issu]s 9 ! ,/ate1 ! ,secret>y 
%all en=ce su* requirem5ts4  7b7        
,secret>ial en=cem5t au?ority  7#a7 ,9  
g5]al ,if a gov]nm5tal employee b5efit  
plan or an issu] 9 a ,/ate describ$ 9   
subsection 7a77#b7 is f\nd by !         
,secret>y to fail to meet ! requirem5ts 
( ?is title1 ! ,secret>y may assess a   
civil monet>y p5alty aga9/ ! responsible
 entity describ$ 9 p>agraph 7#c7 )      
respect to su* violation4  7#b7 ,civil  

p5alty  7,a7 ,9 g5]al ,! ,secret>y may  
assess a civil p5alty describ$ 9        
p>agraph 7#a7 aga9/ any sponsor1        
adm9i/rator1 s]vice provid]1 or any o!r 
p]son or entity 7except = a plan7 :o    
violates1 or kn[+ly causes or conceals a
 violation (1 ?is title4  7,b7 ,am\nt ,!
 am\nt ( ! p5alty impos$ by subp>agraph 
7,a7 %all be equal ! p5alty am\nt       
describ$ 9 section #ejb7;c77#aj77;,b7 ( 
! ,employee ,retirem5t ,income ,security
 ,act ( #aigd 7#bi ,u4,s4,c4            
#aacb7;c77#aj77;,b77 = ea* day 9 !      
noncompliance p]iod describ$ 9          
subp>agraph 7,c7 ) respect to ea*       
p>ticipant or b5efici>y to :om su*      
violation relates4  7,c7 ,noncompliance 
p]iod ,9 ?is p>agraph1 ! t]m            
noncompliance p]iod means1 ) respect to 
a violation describ$ 9 subp>agraph 7,a71
 ! p]iod--  7i7 beg9n+ on ! date !      
violation occurs2 &  7ii7 end+ on ! date
 ! violation is correct$4  7#c7         
,responsible entity ,! responsible      
entity describ$ 9 ?is p>agraph is1 9 !  

case ( a failure to meet ! requirem5ts (
 ?is title by-- 7,a7 an issu]1 su*      
issu]2 or  7,b7 a gov]nm5tal employee   
b5efit plan t is-- 7i7 sponsor$ by #b or
 m employ]s1 ! plan adm9i/rator2 or     
7ii7 n s sponsor$1 ! employ]4  7#d7     
,additional au?ority ,all p[]s1 rem$ies1
 & au?ority describ$ 9 "p #e ( !        
,employee ,retirem5t ,income ,security  
,act %all be available to ! ,secret>y ) 
respect to any violation ( ?is title by 
a gov]nm5tal employee b5efit plan or an 
issu] describ$ 9 subsection 7a77#b74    
7c7 ,"r ( action ,any individual :o is  
aggriev$ by ! failure ( a gov]nm5tal    
employee b5efit plan or issu]1 ) respect
 to disability b5efits1 to comply ) !   
requirem5ts ( ?is title may br+ an      
action 9 ,/ate or ,f$]al c\rt =         
appropriate equitable relief4  #bjd4    
,cont9u$ applicability ( ,/ate law ,?is 
title %all n be con/ru$ to sup]s$e any  
provision ( ,/ate law t e/abli%es1      
implem5ts1 or cont9ues 9 effect any     
requirem5t or prohibition ) respect to  

disability b5efits except to ! ext5t t  
su* requirem5t or prohibition prev5ts ! 
application ( ?is title4  ,,iii         
,implem5tation by ,secret>y ( ,labor    
#cja4 ,implem5tation ( ,,erisa advisory 
c\ncil recomm5dations  7a7 ,/udy ,n lat]
 ?an #ah mon?s aft] ! date ( enactm5t ( 
! ,work]'s ,disability ,b5efits ,p>ity  
,act ( #bjbe1 ! ,secret>y %all c>ry out 
a /udy on ! co/ to plan sponsors (      
provid+ disability b5efits to           
p>ticipants & b5efici>ies ^: disability 
is caus$ by a behavioral heal?          
condition1 includ+ an actu>ial analysis 
( su* co/4  7b7 ,education ,n lat] ?an  
#ah mon?s aft] ! date ( enactm5t ( !    
,work]'s ,disability ,b5efits ,p>ity    
,act ( #bjbe1 ! ,secret>y %all conduct  
outrea* & provide in=mation to plan     
sponsors on ! effect ( duration limits  
on access to b5efits by p>ticipants &   
b5efici>ies ) m5tal heal? & sub/ance use
 disord] conditions4  #cjb4             
,implem5tation au?ority ,! ,secret>y (  
,labor may issue su* regulations z may  

be necess>y or appropriate to c>ry out !
 provisions ( ?is ,act4 ,! ,secret>y may
 issue sub-regulatory guidance &        
promulgate any int]im f9al rules z !    
,secret>y det]m9es are appropriate to   
c>ry out ?is ,act4  #cjc4 ,au?orization 
( appropriations ,!re is au?oriz$ to be 
appropriat$ #aj1jjj1jjj = ea* fiscal ye>
 t beg9s 9 ! #e-ye> p]iod beg9n+ on !   
date ( enactm5t ( ?is ,act4  #cjd4      
,effective date  7a7 ,9 g5]al ,!        
am5dm5ts made by ?is ,act %all apply to 
plan ye>s t beg9 aft] ! date t is #ah   
mon?s aft] ! date ( enactm5t ( ?is ,act4
  7b7 ,special rule = collective b>ga9+ 
agreem5ts ,9 ! case ( a plan ma9ta9$    
pursuant to "o or m collective b>ga9+   
agreem5ts betwe5 employee repres5tatives
 & "o or m employ]s ratifi$ be=e ! date 
( ! enactm5t ( ?is ,act1 ! am5dm5ts made
 by ?is section %all n apply to plan    
ye>s beg9n+ be=e ! lat] (--  7#a7 ! date
 on :i* ! la/ ( ! collective b>ga9+     
agreem5ts relat+ to ! plan t]m9ates     
7det]m9$ )\t reg>d to any ext5sion !re( 

agre$ to aft] ! date ( ! enactm5t ( ?is 
,act71 or  7#b7 #ah mon?s aft] ! date ( 
enactm5t ( ?is ,act4  ,= purposes (     
p>agraph 7#a71 any plan am5dm5t made    
pursuant to a collective b>ga9+ agreem5t
 relat+ to ! plan t am5ds ! plan solely 
to con=m to any requirem5t add$ by ?is  
section %all n be treat$ z a t]m9ation (
 su* collective b>ga9+ agreem5t4