In group insurance, what is assumed about the members of the group?

In the context of group insurance, the assumption is that members of the group are insurable if they work a minimum number of hours. This is based on the principle that group coverage is typically provided by employers for employees who meet certain eligibility criteria, such as minimum work hours. This approach simplifies the underwriting process as the insurer can assume a baseline level of risk based on the group as a whole rather than assessing each individual separately.

This assumption facilitates broader access to insurance benefits for employees, as it allows entire groups to be covered efficiently without extensive individual evaluations. The emphasis on a minimum number of hours helps ensure that those covered are likely to be active participants in the workforce, thereby creating a more stable risk pool for the insurer. This is particularly relevant in employer-sponsored group plans, where the objective is to cover most, if not all, employees rather than excluding individuals based on specific personal health conditions or risks.