The Employee Retirement Income Security Act was established in 1974 as a labor law that regulates employee benefit plans, including company healthcare plans and private pension plans. Its standards cover funding, participation, vesting, termination guarantees, disclosure, fiduciary requirements, and tax treatment. In some cases insurance companies attempt to misuse ERISA to avoid bad faith claims (failture to pay health, life and disability claims, in these cases). KBK supports ERISA by representing employees who feel they have been treated unfairly with regard to their benefit plans. Most cases of single employee lawsuits are relatively easily solved without gaining substantial public notice. But large class action suits are rarely settled quietly or quickly.