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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. Nevada has laws governing group life insurance that provide, for example, the following:
A grace period of 31 days.
If the insurance ceases because of termination of employment, the employee is entitled to have issued, without evidence of insurability, an individual policy, provided application for the individual policy is made, and the first premium paid, within 31 days after the termination.
If the group policy terminates, every person insured at the date of the termination who has been so insured for at least five years prior to the termination date is entitled to have issued an individual policy.
State
Contact
Regulations
Nevada Revised Statutes
Title 57 Insurance, Chapter 688B Group Life Insurance
Federal
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)