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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.
Idaho has laws governing group life insurance for employees.
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Regulations
Idaho Statutes (copyrighted)
Group life insurance,
§41-2003 (general)
§41-2009 (dependents)
§41-2011 (grace period)
§41-2024 (definition)
§41-2018 and §41-2019 (conversion)
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)