At what age would an employee born on April 15, 1974, be calculated for group term life insurance as of January 2012?

To determine the employee's age for group term life insurance as of January 2012, we need to calculate the difference between the year 2012 and the date of birth, which is April 15, 1974.

1. From April 15, 1974, to April 15, 2011, the employee would turn 37 years old.

2. Since the date in question is January 2012, which is before the employee's birthday in April, they would still be 37 years old in January of that year.

3. They will turn 38 on their birthday, April 15, 2012.

Thus, as of January 2012, the correct age for the employee in this context is 37 years old. The answer to the question relies on chronological age and whether the reference date has passed their birthday in that year.