What is the primary purpose of an 'Actively-at-Work' clause in a group insurance contract?

Question: What is the primary purpose of an 'Actively-at-Work' clause in a group insurance contract?

Answer options:

• The employee must work at least 60 hours per week.
• The employee must have been with the company for 10 years. ✅ The employee must be performing normal duties on the date coverage begins for coverage to attach.
• The employee must have no pre-existing medical conditions whatsoever.

Correct answer: The employee must be performing normal duties on the date coverage begins for coverage to attach.

Explanation: The 'actively-at-work' clause requires an employee to be performing their normal duties on the day the group coverage becomes effective. It helps manage the risk by ensuring the person is not already disabled when coverage starts.