State RegulationsFL specificDifficulty 2/5
A covered employee gets married and wants to add his new wife to his Florida employer's group life dependent coverage. What must he do?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Chapter 627, Florida Statutes, dependent coverage under a group life plan is an employee-elected benefit: when the employee acquires a new dependent, he must notify the employer and elect the coverage following the plan's procedures and timing rules. Spouses are not covered automatically, the employer does not fund the election, and group plans exist precisely to cover spouses and children as dependents.
Why the other options are wrong
- A) Dependent coverage is never automatic; the employee must elect it.
- B) The employer does not absorb the cost of the employee's dependent election.
- C) Group plans include spouses as dependents; a separate individual policy is not required.
Memory hook
New spouse? Sign up - coverage follows the election, not the wedding.