West Virginia Life Insurance: What you need to know

Employers have no obligation under West Virginia 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 (WV Stat. Sec. 33-14-2).
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Group characteristics. The group to be insured must consist of at least two people. The employees eligible for coverage must include all the employer's employees or all those belonging to a class defined by circumstances that relate to employment. Employees eligible for coverage may include employees of affiliated and subsidiary businesses. Those eligible for coverage may also include retired employees, directors who are actual employees by virtue of performing services other than those of a director, and individual proprietors and partners who actively engage in and devote a substantial part of their time to the conduct of the business of the proprietor or partnership.
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 pays the entire cost, all employees in the eligible class (not counting any individual for whom evidence of individual insurability is not satisfactory and those who reject coverage in writing) must be covered by the policy.
Family coverage. Group coverage may be extended to employees' spouses and minor children. The employer may contribute toward this coverage, but is not required to do so. If the employer pays part, but not all, of the cost of dependent coverage, 75 percent of the employees in the group to be insured with eligible dependents (not counting any individual ...

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