What minimum percentage of all eligible employees must participate in a group life insurance plan if the premiums are completely paid for by the employer?

In Massachusetts, if an employer is paying the full premiums for a group life insurance plan, it's required that 100% of all eligible employees participate. This rule ensures that the coverage provided becomes part of the employee benefits, promoting a comprehensive safety net for all staff and distributing risk effectively. While the other percentages suggest varying levels of participation, they do not align with the regulations regarding employer-paid plans. Full participation simplifies the administration of the plan and minimizes adverse selection, which can occur if only a smaller percentage of employees choose to participate. Thus, requiring 100% participation incentivizes employers to foster a sense of collective responsibility and support among their employees.