Actively At Work
What Does Actively At Work Mean?
The term “actively at work” refers to an employee being present and performing their job duties, as opposed to being on vacation or away from work for any other reason.
In the context of insurance, many plans only begin coverage when an employee is actively at work. As a result, employees who are not actively at work must wait until they return to start receiving insurance benefits.
Insuranceopedia Explains Actively At Work
Insurance companies require employees to be actively at work before their coverage begins in order to protect against potential exploitation.
For example, if an employee planned a three-month vacation and timed their insurance application to coincide with the start of the vacation, they could potentially take advantage of lower group insurance rates. However, with an actively-at-work clause, the employee would need to continue paying for their insurance at the individual rate while away. They would only qualify for the discounted group insurance coverage once they return to work.
