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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

Summary

  • 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. The program provides up to four weeks of partial wage replacement to eligible employees to care for a seriously ill family member or to care for or bond with a newborn, adopted or foster child. See Paid Family Leave Insurance.