2005 Idaho Code - 41-2006 — PUBLIC EMPLOYEE GROUPS

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 20
                             GROUP LIFE INSURANCE
    41-2006.  PUBLIC EMPLOYEE GROUPS. The lives of a group of individuals may
be insured under a policy issued to the departmental head or to an association
of public employees formed for purposes other than obtaining insurance and
having, when the policy is placed in force, a membership in the classes
eligible for insurance of not less than seventy-five per cent (75%) of the
number of employees eligible for membership in such classes, which association
or departmental head shall be deemed the policyholder, to insure members of
such association or public employees for the benefit of persons other than the
departmental head, the association or any of its officials, subject to the
following requirements:
    (1)  The persons eligible for insurance under the policy shall be all of
the members of the association or employees of the department, or all of any
class or classes thereof determined by conditions pertaining to their
employment, or to membership in the association, or both.
    (2)  The premium for the policy shall be paid by the policyholder, either
from the association's own funds, or from charges collected from the insured
members or employees specifically for the insurance, or from both. Any charges
collected from the insured members or employees specifically for the
insurance, and the dues of the association if they include the cost of
insurance, shall be collected through deductions by the employer from salaries
of the members or employees. Such deductions from salary may be paid by the
employer to the association or directly to the insurer. No policy may be
placed in force unless and until at least seventy-five per cent (75%) of the
then eligible members of the association or employees of the department,
excluding any as to whom evidence of individual insurability is not
satisfactory to the insurer, have elected to be covered and have authorized
their employer to make the required deductions from salary.
    (3)  Charges collected from the insured members or employees specifically
for the insurance, and the dues of the association if they include the cost of
insurance, shall be determined according to each attained age or in not less
than four (4) reasonably spaced attained age groups. In no event shall the
rate of such dues or charges be level for all members or employees regardless
of attained age.
    (4)  The policy must cover at least five (5) persons at the date of issue.
    (5)  The amounts of insurance under the policy must be based upon some
plan precluding individual selection either by the members, employees, or by
the association. Such amounts shall in no event exceed three thousand dollars
($3,000) in the case of any member or employee, and shall not exceed five
hundred dollars ($500) in the case of retired members or employees and members
or employees over age sixty-five (65).
    (6)  As used herein "employees" means employees of the United States
government, or of any state, or any political subdivision or instrumentality
of any of them.
    (7)  Groups heretofore or hereafter written under section 59-1201, Idaho
Code, are not subject to this section.