US Laws, Codes, Statutes & Cases

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 20
                             GROUP LIFE INSURANCE
    41-2009.  DEPENDENTS' COVERAGE. Any group life policy issued under section
41-2003 (employee groups), or 41-2004 (labor union groups), or 41-2006 (public
employee groups), or 41-2007 (trustee groups) may be extended to insure the
employees or members against loss due to the death of their spouses and minor
children, or any class or classes thereof, subject to the following
requirements:
    (1)  The premium for the insurance shall be paid by the policyholder,
either from the employer's or union's funds or funds contributed by the
employer or union, or from funds contributed by the insured employees or
members, or from both. If no part of the premium is to be derived from funds
contributed by the employees or members, all eligible employees or members,
excluding any as to whose family members evidence of insurability is not
satisfactory to the insurer, must be insured with respect to their spouses and
children.
    (2)  Upon termination of the insurance with respect to the members of the
family of any employee or member by reason of the employee's or member's
termination of employment, termination of membership in the class or classes
eligible for coverage under the policy, or death, the spouse shall be entitled
to have issued by the insurer, without evidence of insurability, an individual
policy of life insurance, without disability or other supplementary benefits,
providing application for the individual policy shall be made, and the first
premium paid to the insurer, within thirty-one (31) days after such
termination, subject to the requirements of subsections (1), (2) and (3) of
section 41-2018, Idaho Code. If any group policy terminates or is amended so
as to terminate the insurance of any class of employees or members and the
employee or member is entitled to have issued an individual policy, under
section 41-2019, Idaho Code, the spouse shall also be entitled to have issued
by the insurer an individual policy, subject to the conditions and limitations
provided above. If the spouse dies within the period during which he would
have been entitled to have an individual policy issued in accordance with this
provision, the amount of life insurance which he would have been entitled to
have issued under such individual policy shall be payable as a claim under the
group policy, whether or not application for the individual policy or the
payment of the first premium therefor has been made.
    (3)  Notwithstanding section 41-2017, Idaho Code, only one (1) certificate
need be issued for delivery to an insured person if a statement concerning any
dependent's coverage is included in such certificate.