State RegulationsFL specificDifficulty 1/5
Under a Florida employer's group life plan that offers dependent coverage, whom may the employee typically insure in addition to herself?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Chapter 627, Florida Statutes, dependent coverage under a group life plan extends coverage to the employee's spouse and dependent children, in addition to the employee's own coverage. The employee elects the coverage, and the plan's provisions define which dependents qualify. Dependent coverage is supplemental: the employee's own death benefit remains the base of the plan.
Why the other options are wrong
- A) Parents are not the standard dependent class covered under group life dependent coverage.
- C) Fellow employees have their own coverage as insured members of the group.
- D) Coverage is limited to defined dependents such as a spouse and children, not to any chosen relative.
Memory hook
Dependent coverage = spouse plus kids.