CHAPTER 14Group Life Insurance

William H. Rabel

Jerry S. Rosenbloom

Death benefits are a nearly universal employee benefit in the United States. Almost all employers, except perhaps the smallest of companies, provide death benefits for their employees as an integral part of their employee benefit programs. They also are made available through public-sector programs such as Social Security and workers’ compensation. Among the forms of death benefits provided through the employee benefit mechanism are the following:

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