State RegulationsFL specificDifficulty 1/5
Under a Florida group life plan, who typically pays the premium for dependent life coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Chapter 627, Florida Statutes, dependent life coverage under a group plan is a supplemental benefit that the employee elects and typically pays for, commonly through payroll deduction. The employer is not required to fund it, the insurer does not waive it, and the dependents are not the premium payors. Because it is employee-elected, an agent advising employees at enrollment should make the cost and the coverage amount clear.
Why the other options are wrong
- A) The employer is not required to pay for dependent coverage; that describes employer-paid employee coverage.
- B) Insurers do not waive dependent coverage premiums; the coverage is priced and paid for.
- D) Dependents do not pay the premium; the employee who owns the coverage does.
Memory hook
Dependent coverage is a rider the employee buys.