Requires disability benefit plans to treat mental health conditions and substance use disorders the same as physical conditions by banning more restrictive limits or exclusions for behavioral-health disabilities. It creates a new ERISA enforcement authority that lets the Secretary of Labor assess civil penalties against plan sponsors, administrators, and service providers for noncompliance, directs education and a study, authorizes implementation funding, and sets an effective date 18 months after enactment (with a delay for some collective bargaining plans).