Groups of 4-25 persons require 100% participation. All persons are required to have the same benefits unless there are benefits tied to their salaries. Where dental and vision is offered, 100% of the group has to be covered.
Groups of 26+ persons require 75% participation.
This is an illness or injury for which symptoms have been present or for which a member has received medical care, treatment or advice at any time during the 12 months before coverage begins under the policy.