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Employee benefits are generally covered under the federal jurisdiction of the Employee Retirement Income Security Act (ERISA).
Federal ERISA plans generally do not have to comply with state laws. ERISA rules preempt or block state laws that relate to ERISA plans. State insurance laws, however, do apply.
Contact
Florida Department of Financial Services Office of Insurance Regulation
Regulations
Florida Statutes, Title XXXVII, Chapter 627, Part V - Group life insurance policies
Florida Statutes, Title XXXI, Chapter 441 - Employees trust benefit plans; trust for employees (§441.01)
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)