What Does Actively at Work Mean?
Actively-at-work refers to being actually at work as opposed to being on vacation or being away from work for any other reason.
In the context of insurance, many insurance plans will only begin covering employees when they are actively at work. So, employees who are not actively at work will have to wait until they return to start receiving insurance coverage.
Insuranceopedia Explains Actively at Work
Insurance companies require employees to be active at work before their coverage kicks in to protect themselves against exploitation.
Suppose an employee wanted to take a three-month vacation and they time their insurance application so their employer-sponsored benefits kick in just as the vacation begins. That way, they get a lower rate on their insurance coverage through a group insurance policy even though they are away from work for an extended period of time. 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. They will only get the discounted group insurance coverage once they return to work.