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State | Coverage Requirement | Employee Eligibility | Medical Provider Choice | Wage Replacement % | Death Benefit Cap | Notes |
---|---|---|---|---|---|---|
Alabama | 5+ employees | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $6,500 + dependents | Farm/domestic exempt |
Florida | 4+ employees (1+ in construction; 6+ in ag) | Employees only | Employer/insurer chooses | 66 2/3% AWW | Up to $150,000 + $7,500 funeral | Strict deadlines |
Georgia | 3+ employees | Employees only | Employer provides panel of 6 doctors | 66 2/3% AWW | Funeral up to $7,500 + dependents | Covers part-time |
Kentucky | 1+ employees | Employees only | Employee may choose | 66 2/3% AWW | Funeral up to $7,500 + dependents | Farm/ag exempt |
Mississippi | 5+ employees | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $5,000 + dependents | Farm/domestic exempt |
North Carolina | 3+ employees | Employees only | Employer chooses (employee can request change) | 66 2/3% AWW | Funeral up to $10,000 + dependents | Covers minors |
South Carolina | 4+ employees | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $12,000 + dependents | Farm/domestic exempt |
Tennessee | 5+ employees (construction = 1+) | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $10,000 + dependents | Farm/domestic exempt |
Virginia | 3+ employees | Employees only | Employer provides 3-doctor panel | 66 2/3% AWW | Funeral up to $10,000 + $1,000 transport | Covers apprentices |
West Virginia | 1+ employees | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $7,000 + dependents | State-run fund (no private insurers) |
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