Is an employee required to be the primary on the policy?

The assertion that an employee is required to be the primary on the policy is correct if the specific context of the question is that certain policies may necessitate the employee to be the primary insured individual, especially in employee benefit plans involving health insurance or life insurance.

In many group insurance scenarios, the employer often takes out the policy, but an employee must typically be the primary insured to ensure that the benefits directly cover them, aligning with regulatory and operational standards. This setup is designed to protect the employee's interests and guarantee that they receive the necessary benefits for which they are contributing through payroll deductions or premiums.

It's essential to closely review the terms of the specific policy in question, as various plans may have different stipulations regarding who can be designated as primary insured. Understanding these requirements helps ensure compliance with the policy's guidelines and that employees can access the benefits they are entitled to.