Insurance and Disability Benefits: Maine

Federal law and guidance on this subject should be reviewed together with this section.

Author: Gloria Ju

Summary

• Maine employers are not required to provide life insurance benefits. If life insurance benefits are provided, certain requirements must be met. See Group Life Insurance.
• If a Maine employer offers group life insurance, premiums for the policies may be paid from different sources. See Employer Contribution and Coverage Requirements.
• Employees are entitled to a minimum grace period for paying premiums, except the first. See Grace Period.
• Group life insurance policies may be converted to individual policies under some circumstances. See Conversion Rights.
• Group life insurance may continue for a limited time during an employee's total disability. See Continuation of Coverage.
• Group life insurance policies in Maine may not discriminate against deaths related to AIDS, AIDS Related Complex, HIV-related diseases or suicide. See Nondiscrimination.
• A Maine employer may offer its employees an employer-sponsored group disability income protection plan, which provides income benefits to an employee who cannot work for an extended period of time because of sickness or an accident. See Group Disability Income Protection Plan.