Group Life & AnnuitiesQuestion 691 of 716
The 'actively-at-work' provision in group insurance requires that, for coverage to take effect, the employee must:
a.Be retired from the company yet still carried on its payroll records
b.Have reached age 65 before the group coverage is allowed to begin
c.Be actively performing their job duties on the day coverage is to begin
d.Pass an individual physical examination arranged for by the group insurer
Explanation
The actively-at-work provision conditions the start of coverage on the employee being at work and able to perform their duties on the effective date. It is not tied to retirement, an exam, or a specific age.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)