['Employee Benefits']
['Employee Benefits']
07/17/2024
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Summary of differences between federal and state regulations
The differences are called out below, and represent where the state goes beyond the federal requirements under ERISA.
State
Contact
Department of Insurance, Securities and Banking
Regulations
District of Columbia Code Title 31
Life insurance
The employer may not be the beneficiary. Group policies must provide for a grace period of 31 days. The validity of a policy that has been in force for at least two years from date of issue must not be contested except for nonpayment of premiums.
If policy ceases because of termination of employment participants is entitled to have an individual policy issued to them without evidence of insurability, provided application for the individual policy is made, and the 1st premium paid, within 31 days after the termination.
The policy must provide for the same if the policy terminates for those who have been insured for at least five years before the termination date
§31-4711
Policy cannot contain exclusions, reductions, or other limitations of benefits related to AIDS, ARC, HIV infection, or any disease arising from these medical conditions, as a cause of death. §31-1603
Federal
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)
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