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A pension plan is an agreement between an employee, their employer and, for some jobs, the union. Sometimes, the employer contributes and sometimes the employee does as well. Employers are not required to have pension plans. A federal law, the Employee Retirement Income Security Act of 1974 (ERISA), sets the standards for private pensions. It also provides guaranteed pensions in some cases.
The federal Railroad Retirement Board handles this benefit program for eligible workers and their families.
General Eligibility
Like Social Security, Railroad Retirement benefits are based on months of service and earnings credits. Employees of railroads engaged in interstate commerce, some related industries, railway associations, and national railway labor organizations qualify for Railroad Retirement after 10 years of credited work.
This pamphlet is a brief summary of the rules adopted by the Idaho Public Utilities Commission (PUC) concerning electric, natural gas, and water termination practices. The rules apply to all residential customers of investor-owned utilities in Idaho under the jurisdiction of the PUC such as Idaho Power, Avista Utilities, Intermountain Gas, Utah Power & Light, Pacific Power & Light, Citizens Utility, and United Water.
These rules do not apply to cooperative utilities or municipally owned utilities.
Ever wonder what all those numbers on your Intermountain Gas Company bill mean? Take a few minutes to get acquainted with your bill by reading the explanations on this site.
Not all utilities are regulated by the commission, see: Who Does The Commission Regulate for details. If you have a problem with a regulated utility, please contact the utility first to try and resolve your complaint before contacting the commission. If the utility does not resolve the issue to your satisfaction you may file a complaint
How to Read your electric or natural gas meter: Your Avista Utilities electric and/or natural gas meter is a precise instrument with an outstanding record of accuracy. Before being placed on your home, Avista Utilities employees calibrate meters to within five tenths of one percent of total accuracy.
Your home is likely your most valuable asset, and you have an interest in maintaining ownership, protecting your equity and preserving your credit rating. This manual describes how you can better protect yourself from scams and deceptive business practices aimed at homeowners. Mortgage fraud, foreclosure rescue schemes and other deceptive practices have invaded our state, offering empty promises and stealing the dream of home ownership. Both Idaho and federal law offer some protections against mortgage fraud. Some of these laws are discussed in this manual.
Este folleto es un resumen breve de las reglas adoptadas por la Comisión de Servicios Públicos de Idaho (Idaho Public Utilities Commission) (PUC por sus siglas en Ingles) en referencia a prácticas de terminación de servicios eléctricos, gas natural, y del agua. Las reglas aplica a todos los consumidores residenciales de servicios públicos de los servicios públicos de propietarios...
Corporations and partnerships must have an attorney to file a bankruptcy case. Individuals, however, may represent themselves in bankruptcy court. While individuals can file a bankruptcy case without an attorney or "pro se," it is extremely difficult to do it successfully...
What is a garnishment? A garnishment is basically a legal collections tool where a creditor obtains a court order compelling an employer to withhold a portion of an employee’s wages. The amount that can be withheld is capped at 25%, however, the percentage may vary depending on the state issuing the garnishment and the type of debt. The cap applies to all creditors, meaning 25% is the most that can be withheld at any one time. Garnishments, however, are not limited to wages and can involve one time garnishment of bank accounts or personal property.
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