Prohibición de exigir seguros de vida en empresas de Míchigan

Explicación Simple

En Míchigan, los jefes no pueden obligar a sus empleados a comprar un seguro de vida de una compañía específica. Esto significa que si trabajas en un lugar, no te pueden decir que solo puedes usar cierta compañía para tu seguro.

Es como si un profesor te dijera que solo puedes comprar tus útiles escolares en una tienda específica, aunque haya muchas otras opciones donde puedes encontrar lo que necesitas.

Ejemplo Práctico

Imagina que Laura trabaja en una empresa de tecnología. Su jefe le dice que debe comprar un seguro de vida solo de una compañía específica. Esto es ilegal, porque Laura tiene derecho a elegir la compañía de seguros que prefiera.

Penalidades

Multas de hasta $200 para empresas y hasta 90 días de cárcel o $500 para directivos que infrinjan la ley.

Texto Original del Estatuto (Inglés)

MCL 750.354 - Insurance with particular company Sec. 354. (1) A person doing business in this state or for any of the agents of such person shall not require any of the employees of the person to take out or obtain a life, accident, or life and accident policy in favor of the employee or other person in any particular or designated life, accident, or life and accident company or association. All contracts hereinafter made between any person and any employee of the person requiring or stipulating that the employee so contracting shall procure, obtain, or have a policy of insurance in any particular or designated company or association are void. (2) Subsection (1) does not proscribe the employers of labor and the persons employed from voluntarily making agreements with each other for contributions of money by the latter to any fund to be accumulated in their behalf and for their benefit in common with others, and in such case from further agreeing that the employer may deduct from their wages, from time to time, the sums due from them under such agreement. (3) Any person who violates the provisions of this section is guilty of a misdemeanor, and where such person is a company or corporation, it shall be punished by a fine of not more than $200.00 for each and every offense, and any shareholder, officer, or agent of any such company or corporation violating the provisions of this section shall be punished by imprisonment for not more than 90 days or a fine of not more than $500.00 for each offense.