Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
For legal information on the topic, it would be best to consult with an attorney who has a background with employer/employee benefits in your state.
I don't believe employers are required to offer life insurance to employees, but many do as an incentive to come work for their business. However, if the life insurance benefit is offered, I think there are minimum requirements that may need to be followed.
If your job does not offer life insurance and you are looking to secure coverage, you would need to purchase an individual life insurance policy which my group can help you with. You can send me an e-mail via the contact me button next to my name.
I hope the information is helpful - please feel free to contact me with any other questions. Thanks very much.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Does an employer have to offer life insurance in Washington State? Short answer "NO". Life insurance is not a requirement as health insurance is. Most employers offer some life insurance as it usually comes bundled with medical plans. Employers also get a tax write off on the cost of 50k coverage as an incentive to provide some life insurance.
No, life insurance is not a state mandate for employers to offer to employees in Washington state, or any other state that I am aware of. Some states require that employers offer disability insurance, but there are not any states that I am aware of that require employees to offer life insurance to their employees.
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I don't believe employers are required to offer life insurance to employees, but many do as an incentive to come work for their business. However, if the life insurance benefit is offered, I think there are minimum requirements that may need to be followed.
If your job does not offer life insurance and you are looking to secure coverage, you would need to purchase an individual life insurance policy which my group can help you with. You can send me an e-mail via the contact me button next to my name.
I hope the information is helpful - please feel free to contact me with any other questions. Thanks very much.