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Insurance and Disability Benefits: Minnesota

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


  • Minnesota employers are not required to provide life insurance benefits. If life insurance benefits are provided, certain requirements must be met. See Group Life Insurance.
  • Minnesota law does not permit an employer to require an employee to participate in a life insurance plan, except under certain circumstances. See Employer Contribution and Coverage Requirements.
  • Employer group term life insurance policies issued in Minnesota must provide continuation coverage similar to that available under group health plans. See Continuation Requirements.
  • The policy must also include conversion rights to an individual policy upon termination of coverage under the group plan. See Conversion Rights.