1. Angie and Darren are married. Angie was born on September 12, 1972, and Darren was born on July 29, 1973. They have two children: Samantha, who is 12 years old, and Christina, who is 9 years old. Darren earns $61,000 per year as a service technician for the Test for Echo Telephone Company. He has group insurance coverage through his employer and he is also a member of the company’s defined benefit pension plan. His group insurance includes group life coverage of two times his annual salary. Angie is re-entering the workforce and has just been hired by Grand Designs Inc. as a full-time graphic designer. Her annual salary is $50,000 and her scheduled start date is May 1st of this year. In meeting with the human resources department, Angie learned that the company offers group insurance coverage; however, Grand Designs does not offer a pension plan. Her group life coverage would be two times her annual salary. Both Darren and Angie have elected family coverage under their respective group plans.

On April 29th of this year, Angie suffered an injury to her arm during her weekly volleyball game. She sustained injuries to this same arm on two previous occasions (one year ago and three years ago) under the same conditions. Because of her most recent injury, Angie notified Grand Designs Inc. that she would have to delay her start date by three weeks.

Which of the following statements is true?

1. Because of her pre-existing condition, Angie will be ineligible to join Grand Designs’ group medical plan.
2. Due to the actively-at-work provision, Angie’s group coverage will commence on May 1st of this year.
3. Before Angie becomes eligible for coverage under the group plan, she will have to complete a three-month waiting period, which is a mandatory provision for all non-contributory group plans.
4. Angie can expect a 30-day enrolment period immediately following the waiting period, during which time she must either join the group plan or forfeit the right to the company’s group coverage without individual underwriting.

Explain your answer in detail.