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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. Michigan has laws that apply to group life insurance, and group legal services insurance.
Group life insurance laws include the following provisions:
Group legal services insurance laws include the following provisions:
Group legal expense insurance covers not less than five employees or members, with or without their eligible dependents. The plans are insured for individual’s benefit. (§500.2702)
Contact
Office of Financial and Insurance Services
Regulations
Michigan Compiled Laws
The Insurance Code of 1956, Act 218 of 1956, Chapter 44, Group Life Insurance
§§4404, 4426, 4438
The Insurance Code of 1956, Act 218 of 1956, Chapter 27, Legal Expense Insurance
§§500.2700 through 500.2706
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)