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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. Massachusetts has laws that apply to group life insurance, and group legal services insurance.
Massachusetts group life insurance provisions include the following (Chapter 175):
Massachusetts laws for group legal services insurance (Chapter 176h) deal mostly with the insuring entity, but the plan must not be unfair, inequitable, misleading, or deceptive (§5)
Contact
Massachusetts Division of Insurance
Regulations
General Laws of Massachusetts
Chapter 175: Section 133 Group life insurance defined: https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175/Section133
Chapter 175: Section 134 Group life policies; commissioner's approval; contents: https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175/Section134
Chapter 176H: Section 5 Group insurance policy or insurance certificate contract; filing copies; approval; hearing: https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter176h/Section5
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)