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Insurance and Disability Benefits: Washington

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


  • Washington 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 Washington 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.
  • If an employee stops working due to a labor dispute, the employee may continue group coverage by fulfilling certain requirements. See Continuation Coverage During Labor Disputes.
  • Insurers may reduce group coverage on individuals aged 65 years or older. See Liability Limitations.
  • Washington provides for paid family and medical leave (PFML) benefits. See Paid Family Leave Insurance.