Employers have no obligation under Utah 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 (UT Code Sec. 31A-22-501et seq.).
Group characteristics. The employees eligible for coverage must include all the employer's employees or all of a specific class of employees. Employees may include the officers and managers, retired employees, and the individual proprietors or partners of one or more affiliated corporations, proprietorships, or partnerships under common control.
Beneficiary. The employee may name anyone except the employer as beneficiary.
Employer/employee contributions. Employers may, but are not required to, make some contribution toward the cost of group insurance. If the employer pays the entire cost, all employees in the eligible class, with one exception, must be covered by the policy. The insurer may exclude or limit coverage of any person who does not satisfy the insurer's requirement for individual insurability.
Family coverage. Group coverage may be extended to employees' spouses and dependent children. The employer may, but is not required to, contribute toward this coverage. A policy on which the employees pay no part of the premium for the dependent's coverage must insure all employees, including their spouses and dependent or minor children. The insurer may exclude or limit coverage of any spouse or dependent who does not satisfy the insurer's requirement for individual insurability.
Conversion. Employees are guaranteed the right to convert group coverage to an individual policy if the group member's employment is terminated or the member ceases to be ...