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Georgia Life Insurance: What you need to know

Employers have no obligation under Georgia law to offer life insurance to their employees. However, if group life insurance is among the benefits offered to workers, certain minimum requirements must be satisfied (GA Code Sec. 33-27-1et seq.).
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Group characteristics. The group to be insured must consist of no fewer than two people. The group must include all employees belonging to the class defined as eligible for coverage determined by conditions pertaining to their employment. Employees may include the employees of one or more subsidiary corporations; the employees, individual proprietors, and partners of one or more affiliated corporations, proprietors, or partnerships under common control; the individual proprietor or partners if the employer is an individual proprietor or a partnership; and retired employees.
Beneficiary. The employee may name anyone except the employer as beneficiary.
Employer/employee contributions. Employers are not required to make any contribution toward the cost of group insurance. If the employer does pay the entire cost, all employees in the eligible class, except those for whom evidence of individual insurability is not satisfactory, must be covered by the policy.
Family coverage. Group coverage may be extended to an employee's spouse, dependent children, children under a specified age (not to exceed 19 years), and any other person dependent on the employee. If the policy covers dependent children, such a child shall continue to be insured up to and including the age of 25 as long as the child remains a dependent of the employee, and in each calendar year after reaching the age specified in the policy for termination of benefits as a dependent, has been enrolled ...

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