Active Work Requirement

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Active Work Requirement Being actively at work means an employee or partner has not received medical advice to refrain from work and is actively engaged in or is otherwise following their normal occupation, i.e. the employee or partner is mentally and physically capable of working their normal contracted number of hours, either at their usual place of business or at the location to which the business requires them to travel Absence from work does not include holidays, maternity, paternity and adoption leave, or any other authorised leave approved by the insurer To be eligible for disability benefits, you must be working at least the minimum number of hours per week as described in your policy, for earnings that are paid regularly. Many policies require that you are performing the material and substantial duties of your regular occupation. Insurance companies require employees to be active at work before their coverage kicks in to protect themselves against exploitation. With an actively at work clause, this employee will have to keep paying for their own insurance at the rate offered to them as individuals while they are still away. As to the number of hours required to qualify it will depend on the governing laws. Working 40 hours per week is very common and qualifies employees as full-time workers. #benewinsurance #insurtech #inclusiveinsurance #insurance #reinsurance #takaful

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