['Employee Benefits']
['Employee Benefits']
04/26/2024
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Summary of differences between federal and state regulations
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.
Illinois has statutes governing group legal expense insurance, and for group life insurance.
State
Contact
Department of Financial and Professional Regulation Department of Insurance
Regulations
Group legal expense insurance (215 ILCS 5/900)
Group life insurance (215 ILCS 5/230.1)
Federal
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)
['Employee Benefits']
['Employee Benefits']
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