ch 12 HM

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Which of the following should be considered by firms when determining their overall benefit plan?

All of these

In the context of the four major income-maintenance laws, ________ provides benefits in the form of full retirement payments after age 67 (for those born in 1960 or later), or at reduced rates after 62, to worker and spouse.

the Social Security Act

programs typically provide a core of basic life coverage and then permit employees to choose greater coverage as part of their optional package.

Flexible-benefit

Which of the following is NOT an approach widely used to express the cost of employee benefits and services?

National salary index

The 2010 plan intended to reform the U.S. health-care system is called the:

Patient Protection and Affordable Care Act

Which of the following laws provides that following a worker's death or divorce, the employee's family has the right to buy group-rate health insurance for as long as three years?

The Consolidated Omnibus Budget Reconciliation Act

Which agency acts as an insurance company, collecting annual premiums from companies with defined-benefit plans that spell out specific payments upon retirement?

The Pension Benefit Guaranty Corporation

Identify a true statement about preferred provider organizations (PPOs).

They pay 80 to 100 percent for what is done within the network but only 50 to 70 percent for services rendered outside it.

The doctrine of ________ holds that an individual must pay taxes on benefits with monetary value when he or she receives them. Question options:

constructive receipt

The U.S. health insurance system is based primarily on group coverage provided by: Question options:

employers.

The "gatekeeper" in a "managed-care" health insurance plan is the:

primary-care physician.


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