California Life & Health Insurance Guarantee Association PO Box 16860 / Beverly Hills, CA 90209-3319 Home About Us FAQs Receiverships Additional Info Links Terms of Use Contact Us Frequently Asked Questions      I have life and health insurance coverage through my employer. Am I protected? If your employer bought a group life or health insurance policy covering you from an insurer licensed in this state, then you are protected up to the limits described above. If you belong to a "self-insured" health plan--meaning your employer, not an insurer, provides the coverage through what is called an "ERISA plan," or a self-insured plan, you are not protected by the Guarantee Association.   NOTE: This information is not intended as legal advice, and no liability is assumed in connection with its use. The applicable state guaranty association statute is the controlling authority, regardless of any information presented on this site. Users should seek advice from a qualified attorney and should not rely on this compilation when considering any questions relating to guaranty association coverage.   [ Back to FAQ list ]