Which term describes the document listing eligibility and coverage specifics for a group plan?

• A. Certificate
• B. Declarations
• C. Policy
• D. Endorsement

Answer: (A)

In group plans, the document that serves as evidence of coverage and spells out who is eligible and what benefits apply is the certificate of insurance. This certificate is issued to each member and summarizes key details such as eligibility for coverage, benefit amounts, and any important limitations or riders. It acts as proof of coverage for the employee or member.

The master policy is the insurer–employer contract that governs terms and conditions for the plan, not the member-level summary. The declarations page typically lists basic policy information like names and dates at a high level, but not the day-to-day eligibility specifics for each member. An endorsement is a modification to the policy, not the document that outlines who is covered and what is covered under the group plan.

So, the document listing eligibility and coverage specifics for a group plan is the certificate of insurance.