Insurance and Disability Benefits: Rhode Island

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

Author: Gloria Ju

Summary

• Rhode Island 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 Rhode Island 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.
• Rhode Island's temporary disability insurance program provides up to 30 weeks of partial wage replacement to eligible employees who cannot work due to a nonwork injury or illness or a pregnancy-related disability. See Temporary Disability Insurance.
• Paid family leave, also known as temporary caregiver insurance (TCI) in Rhode Island, is available to eligible employees. See Paid Family Leave Insurance.