A&S Group & Business A&S Plans question: sick leave since mid-May recovering from surgery

A&SGroup & Business A&S Plans

A Victoria engineering firm starts a new group disability and health plan on 1 June. Ana, one of its designers, has been on sick leave since mid-May recovering from surgery and is still off work on 1 June; she expects to return in July. The plan has a standard actively-at-work clause and is not replacing an earlier plan. When does her coverage start?

A After a 1-year waiting period instead
B When she returns to active work
C Never, because she was sick that day
D On 1 June, like every other employee

Show the answer and explanation

Answer: B. When she returns to active work

An actively-at-work clause usually delays coverage for an employee who is not at work on the date coverage would otherwise start, until she returns. The exception is a replacement plan started within 31 days of the old one, which cannot exclude someone covered under the old plan for not being at work. Source: standard Canadian group and business A&S plan design (industry practice, as at 12 Oct 2026); CISRO LLQP Curriculum (May 2015), Accident and Sickness module, components 2-3; Insurance Act (BC), RSBC 2012, c. 1, s. 116(4)(c) (current to 6 Oct 2026; as at 12 Oct 2026); the other common-law provinces' Insurance Acts have the same uniform provision.

Common mistake

Ignoring the actively-at-work rule for new plans.

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Original study material mapped to the public CISRO curriculum; not a real test question.Not affiliated with CISRO, CCIR or any provincial insurance regulator. Verify figures and rules against current guidance before relying on them.