If the state requires it to be covered for all employees and it's subject to audit, whether or not I pay for anything additional, I'd still have to follow the policies and provide supporting documentation so my employer would be able to comply with the legal requirement. That's the hassle.

So you don't want more coverage because you don't feel like doing paperwork?

I fail to see the issue. These laws have good faith in them and of you refuse to give paperwork after multiple prompting you more or less waive that coverage. They have to follow the law but they can't force you to hand over your energy bill. Alternatively, they will estimate based on data they already have and throw it into soke benefits account (if one exists).

I also imagine there is a maximum coverage rate to prevent abuse, since existing laws require to pay only a portion based on how much office space you dedicate in your house.

> So you don't want more coverage because you don't feel like doing paperwork?

We're talking about around $85/mo, and in every company I've been at that offered this (voluntarily) I declined, because spending 2-3 hours filling out paperwork for $85 is not a good deal. It's an annoyance. If it's legally mandated, now it's a mandated annoyance.

You can't, that would be a huge legal liability for the company.

Specifically, you can as an individual, but the company would be obligated to enact policies that require its employees to document everything to shield itself from liability, the likely end result is that not documenting such things could be grounds for termination.