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Insurance and Disability Benefits: Arizona

Insurance and Disability Benefits requirements for other states

Federal law and guidance on this subject should be reviewed together with this section.

Author: Gloria Ju


  • Arizona employers are not required to provide life insurance benefits. If life insurance benefits are provided, certain requirements must be met. See Group Life Insurance.
  • If an Arizona employer offers group life insurance to employees, premiums for the policies may be paid from different sources. See Employer Contribution and Coverage Requirements.
  • Employees are entitled to a minimum grace period for paying premiums, except the first. See Grace Period.
  • Group life insurance policies may be converted to individual policies under some circumstances. See Conversion Rights.
  • Small employers may offer employee life insurance to up to 49 employees. See Employee Life Insurance.