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Insurance and Disability Benefits: Rhode Island

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


  • Rhode Island 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 Rhode Island 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.
  • Rhode Island's temporary disability insurance program provides up to 30 weeks of partial wage replacement to eligible employees who cannot work due to a nonwork injury or illness or a pregnancy-related disability. See Temporary Disability Insurance.
  • Paid family leave, also known as temporary caregiver insurance (TCI) in Rhode Island, is available to eligible employees. See Paid Family Leave Insurance.