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11.7 <br />EMPLOYER'S PROTECTIVE CLAUSES.................................................................................................................................... <br />17 <br />11.8 <br />NO GUARANTEE OF TAX CONSEQUENCES.......................................................................................................................... <br />18 <br />11.9 <br />INDEMNIFICATION OF EMPLOYER BY PARTICIPANTS..................................................................................................... <br />18 <br />11.10 <br />FUNDING...................................................................................................................................................................................... <br />18 <br />11.11 <br />GOVERNING LAW....................................................................................................................................................................... <br />18 <br />11.12 <br />SEVERABILITY............................................................................................................................................................................I8 <br />11.13 <br />CAPTIONS.....................................................................................................................................................................................18 <br />11.14 <br />CONTINUATION OF COVERAGE (COBRA)............................................................................................................................ <br />18 <br />11.15 <br />FAMILY AND MEDICAL LEAVE ACT(FMLA)....................................................................................................................... <br />18 <br />11.16 <br />HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT(HIPAA)................................................................ <br />18 <br />11.17 <br />UNIFORMED SERVICES EMPLOYMENT AND REEMPLOYMENT RIGHTS ACT (USERRA).......................................... <br />18 <br />11.18 <br />COMPLIANCE WITH HIPAA PRIVACY STANDARDS........................................................................................................... <br />19 <br />11.19 <br />COMPLIANCE WITH HIPAA ELECTRONIC SECURITY STANDARDS................................................................................ <br />20 <br />11.20 <br />MENTAL HEALTH PARITY AND ADDICTION EQUITY ACT............................................................................................... <br />20 <br />11.21 <br />GENETIC INFORMATION NONDISCRIMINATION ACT(GINA).......................................................................................... <br />20 <br />11.22 <br />WOMEN'S HEALTH AND CANCER RIGHTS ACT.................................................................................................................. <br />20 <br />11.23 <br />NEWBORNS' AND MOTHERS' HEALTH PROTECTION ACT................................................................................................ <br />20 <br />