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ERISA protection for PS/MP


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Posted

I am self employed and do not have, or ever had, any employees. I have a money purchase, profit sharing plan (paired plan formerly Keogh). Since this is a "qualified" plan it is my understanding that these assets are protected from creditors under ERISA. Is that correct? I have been told yes and I have been told no because I have never had any employees. Thank you.

Posted

[i am not an attorney.]

It is my understanding your qualified plans are not covered by the creditor protection portions of ERISA - although they are subject to other ERISA provisions.

You may have creditor protection as a result of your state's laws concerning qualified plans.

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