I 
111TH CONGRESS 
1ST SESSION 
H. R. 251 
To prevent the nondisclosure of employer-owned life insurance coverage of 
employees as an unfair trade practice under the Federal Trade Commis-
sion Act, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 7, 2009 
Mr. GENE GREEN of Texas introduced the following bill; which was referred 
to the Committee on Education and Labor, and in addition to the Com-
mittee on Energy and Commerce, for a period to be subsequently deter-
mined by the Speaker, in each case for consideration of such provisions 
as fall within the jurisdiction of the committee concerned 
A BILL 
To prevent the nondisclosure of employer-owned life insur-
ance coverage of employees as an unfair trade practice 
under the Federal Trade Commission Act, and for other 
purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Life Insurance Em-
ployee Notification Act’’. 
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SEC. 2. DISCLOSURE OF EMPLOYER-OWNED LIFE INSUR-
ANCE COVERAGE OF EMPLOYEES. 
(a) WRITTEN NOTICE REQUIRED.—Except as pro-
vided in subsection (b), not later than 30 days after the 
date on which an employer purchases an employer-owned 
insurance policy on the life of an employee (or a spouse 
or dependent of the employee), the employer shall provide 
to each employee for whom the employer carries such a 
policy a written notice that contains the following informa-
tion: 
(1) A statement that the employer carries an 
employer-owned insurance policy on the life of the 
employee. 
(2) The identity of the insurance carrier of the 
policy. 
(3) The benefit amount of the policy. 
(4) The name of the beneficiary of the policy. 
(b) TRANSITION.— 
(1) NOTICE
TO
FORMER
COVERED
EMPLOY-
EES.—For former employees covered by an insur-
ance policy described in subsection (a), for any 
length of time, from January 1, 1985, until the date 
of enactment of this Act, the employer shall provide 
the notice required under that subsection not later 
than 1 year after such date of enactment. 
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(2) NOTICE OF EXISTING COVERED EMPLOY-
EES.—For employees covered by an insurance policy 
described in subsection (a) as of the date of enact-
ment of this Act, the employer shall provide the no-
tice required under that subsection not later than 90 
days after such date of enactment. 
(c) ENFORCEMENT.—A violation of this section con-
stitutes an unfair method of competition and an unfair 
or deceptive act or practice under section 5(a)(1) of the 
Federal Trade Commission Act (15 U.S.C. 45(a)(1)). The 
Federal Trade Commission shall enforce this Act in the 
same manner, by the same means, and with the same ju-
risdiction as though all applicable terms and provisions of 
the Federal Trade Commission Act were incorporated into 
and made a part of this Act. 
(d) EMPLOYER-OWNED
INSURANCE
POLICY
DE-
FINED.—The term ‘‘employer-owned insurance policy’’ 
means an insurance policy purchased by the employer for 
the benefit of a person other than the individual who is 
the subject of the policy (or other than a person des-
ignated by such individual). 
Æ 
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