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Insurance and Disability Benefits: Colorado

Insurance and Disability Benefits requirements for other states

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

Author: Gloria Ju


  • Colorado employers are not required to provide life insurance benefits. If life insurance benefits are provided, certain requirements must be met. See Group Life Insurance.
  • Employees are entitled to a minimum grace period for paying premiums, except the first. See Grace Period.
  • Generally, employees covered by an employer's group life insurance policy must have the option of converting to an individual policy upon loss of group coverage. See Conversion Rights.
  • Colorado established a state paid family and medical leave (PFML) insurance program to provide employee access to paid leave benefits. See Paid Family and Medical Leave Insurance.