Eligibility for group life insurance is typically determined by specific employer or organizational guidelines. Generally, individuals who are not eligible include part-time or seasonal workers who do not meet the minimum weekly hours threshold required by the master policy, independent contractors or freelancers rather than direct W-2 employees, and individuals who are past the maximum termination or retirement age limits specified in the contract. Additionally, employees who are on extended unpaid leaves of absence may temporarily lose eligibility until they return to active work.
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