Insurance and Disability Benefits: Florida
Federal law and guidance on this subject should be reviewed together with this section.
Author: Gloria Ju
- Florida 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 a Florida employer offers group life insurance, 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.
- Group life insurance may continue for a limited time during an employee's total disability. See Continuation of Coverage.
- Florida employers providing group life insurance must comply with a recordkeeping requirement. See Recordkeeping Requirement.