Insurance and Disability Benefits: Washington

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

Author: Gloria Ju

Summary

• Washington 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 Washington 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.
• If an employee stops working due to a labor dispute, the employee may continue group coverage by fulfilling certain requirements. See Continuation Coverage During Labor Disputes.
• Insurers may reduce group coverage on individuals aged 65 years or older. See Liability Limitations.
• Washington provides for paid family and medical leave (PFML) benefits. See Paid Family Leave Insurance.