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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. Under Wisconsin law, employer contribution is optional and there is a 31 day grace period.
Contact
Office of the Commissioner of Insurance
Regulations
Wisconsin Statutes
Chapter 632 Insurance Contracts in Specific Lines
Subchapter V Life Insurance and Annuities
§632.56 Required group life insurance provisions
Contact
Employee Benefits Security Administration (EBSA)
Regulations
29 CFR chapter XXV (Parts 2509 – 2590)