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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, and Maine has laws governing group life insurance and group legal services insurance.
Some of the group life insurance provisions in Maine include the following:
If organizations offer group legal services insurance, they must comply with Chapter 38 of Title 24-A of the Maine Insurance Code. Under these requirements, beneficiaries of legal services insurance are not to be required to select an attorney other than one of the beneficiary's own choosing.
Contact
Regulations
Maine Revised Statutes
Group life insurance: Maine Insurance Code, Title 24-A, Chapter 31 www.mainelegislature.org/legis/statutes/24-A/title24-Ach31sec0.html
Group legal services insurance: www.mainelegislature.org/legis/statutes/24-A/title24-Ach38sec0.html
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)