HURM 4640 Exam 2
All of the following are usually covered under home health care benefits EXCEPT: A. 24-hour nursing care. B. hospital beds. C. physical therapy. D. wheelchairs.
A. 24-hour nursing care.
Which of the following statements is true? A. Blue Cross covers hospital expenses, while Blue Shield covers surgical and physician expenses. B. Full benefits usually are provided if the pre-admission testing is not followed? C. Blue Cross provides coverage for surgical expenses and physicians visits while Blue Shield provides coverage for hospital expenses. D. Second surgical opinions are not useful in lowering medical expenses for a company.
A. Blue Cross covers hospital expenses, while Blue Shield covers surgical and physician expenses.
Which of the following statements about second opinions is(are) correct? I. Mandatory provisions often apply only to a specified list of procedures. II. Voluntary provisions require the insured to accept the final opinion or face financial consequences. A. I only B. II only C. Both I and II D. Neither I nor II
A. I only
Which of the following statements concerning health insurance purchasing cooperatives (HIPCs) is (are) correct? I. They negotiate alternative plans of coverage on the basis of price and quality. II. Their use has been encouraged by federal antitrust laws. A. I only B. II only C. Both I and II D. Neither I nor II
A. I only
Which of the following statements concerning salary continuation plans is (are) correct? I. Most plans require an employee to satisfy a probationary period before becoming eligible for benefits. II. Most plans are designed to provide benefits equal to no more than 50 percent of an employee's regular pay. A. I only B. II only C. Both I and II D. Neither I nor II
A. I only
Which of the following statements concerning the effect of the Health Insurance Portability and Accountability Act on group health plans is (are) correct? I. The act allows premium discounts or other financial benefits to persons who adhere to programs of health promotion or disease prevention. II. The act allows higher premiums to be charged for any person covered under a group health plan if his or her physical or mental condition is below prescribed standards. A. I only B. II only C. Both I and II D. Neither I nor II
A. I only
Which of the following is true regarding the hospital pre-admission certificate? A. It requires that a covered person or his or her physician obtain prior authorization for any non-emergency hospitalization. B. Usually must be obtained within 12 to 24 hours of admissions for emergencies. C. If the pre-approved length of stay is insufficient, the patient is able to extend stay without prior approval. D. If the pre-admission procedure is Not followed, the most common reduction is to pay only 75 percent of the benefit that would otherwise be paid.
A. It requires that a covered person or his or her physician obtain prior authorization for any non-emergency hospitalization.
Which of the following benefit plan design features focuses on shifting costs to employees rather than reducing costs? A. Maximum benefit provisions B. Second surgical opinions C. Coverage for the use of alternatives to hospitals, such as home health care D. Pre-admission testing
A. Maximum benefit provisions
Which of the following is NOT a common exclusion found in major medical contracts? A. Non-occupational injuries B. Cosmetic surgery C. Dental care D. Convalescent care
A. Non-occupational injuries
All of the following statements concerning managed competition plans as an approach to national health insurance are correct EXCEPT: A. Preexisting-condition provisions would be allowed as long as they expire within 24 months of an individual's coverage. B. The insurance agent's role would be virtually eliminated. C. Health insurance purchasing cooperatives (HIPCs) would be established under state regulation and operate in a specific geographic region. D. Subscribers to HIPCs would be provided with information on the quality care of available medical expense plans.
A. Preexisting-condition provisions would be allowed as long as they expire within 24 months of an individual's coverage.
All the following statements concerning group disability income contracts are correct EXCEPT? A. The insurance company usually offers a conversion policy to any terminating employee who was covered under the contract for at least 2 years. B. The insurance company has the right to have a disabled employee examined by a physician of its own choice. C. The insurance company has no obligations to make benefit payments until a proof of loss has been filed. D. The insurance company often allows a worker to enter a trial work period in rehabilitative employment without having benefits totally terminated.
A. The insurance company usually offers a conversion policy to any terminating employee who was covered under the contract for at least 2 years.
All of the following statements about various basic medical expense benefits are correct EXCEPT: A. diagnostic X-ray and laboratory expense benefits usually cover charges incurred as part of a routine physical. B. benefits for care in a birthing center may be paid in full as an incentive to use such a facility. C. hospice benefits may be provided in the home of the terminally ill person. D. vision-care expense benefits usually cover the cost of routine eye examinations.
A. diagnostic X-ray and laboratory expense benefits usually cover charges incurred as part of a routine physical.
All of the following are included in traditional basic medical coverage EXCEPT: A. home health care. B. hospital expense benefits. C. surgical expense benefits. D. physicians' expense benefits.
A. home health care.
All of the following are common exclusions of medical coverage that are found in major medical contracts EXCEPT: A. maternity coverage. B. occupational injuries or diseases. C. cosmetic surgery, unless procedure is used to correct a condition resulting from either an accident or a birth defect. D. dental care, except for (1) treatment required because of injury to natural E. teeth and (2) hospital and surgical charges associated with hospital confinement for dental surgery. This exclusion will not be included if dental coverage is provided under the major medical contract.
A. maternity coverage.
Basic medical coverage consists of all of the following traditional basic medical coverage EXCEPT: A. nursing home care benefits. B. physician's visit expense benefits. C. surgical expense benefits. D. hospital expense benefits.
A. nursing home care benefits.
Which of the following is NOT covered under outpatient coverage in a hospital expense contract? A. occupational injury or disease B. surgery C. pre-admission testing D. emergency room treatment.
A. occupational injury or disease
Which of the following is NOT a reason for significant increases in the cost of health care? A. overcapacity of medical facilities B. AIDS C. technological advances D. aging population E. increases in third-party payments
A. overcapacity of medical facilities
All of the following causes of disability are covered under a typical group short-term disability income contract EXCEPT: A. self-inflicted injuries. B. drug addiction. C. mental disorders. D. alcoholism. E. all of the above are excluded from coverage
A. self-inflicted injuries.
Major medical coverage has all of the following services and supplies specified in the contract EXCEPT: A. services furnished by or on behalf of government agencies. B. hospital room and board. C. prescription drugs. D. private duty nursing by a registered nurse.
A. services furnished by or on behalf of government agencies.
Which of the following is not one of the four primary objectives of an effective program for communicating benefit plans to employees? A. to encourage the limited use of benefits B. to provide a high level of understanding concerning available benefits C. to create an awareness of and appreciation for the way in which current benefits improve the financial security of employees D. to comply with legal requirements
A. to encourage the limited use of benefits
Hospital expense contracts commonly provide coverage for emergency room treatment of accidental injuries within some specified time period after an accident. This time varies from which of the following? A. 34 to 82 hours B. 24 to 72 hours C. 20 to 70 hours D. 12 to 24 hours
B. 24 to 72 hours
If an employee does not enroll in his/her employers plan because they are covered on someone else's plan, how many days do they have to enroll in the plan provided after their other coverage has been eliminated? A. 10 B. 30 C. 90 D. 60 E. 45
B. 30
Which of the following is an outpatient benefit under hospital expense contracts? A. Cosmetic surgery B. Emergency room treatment C. Private-duty nursing D. Physical exams
B. Emergency room treatment
Which of the following is a charge that is covered in room-and-board charges in a hospital expense contract? A. Telephones B. Meals C. Televisions D. Operating room use
B. Meals
Controlling rapidly increasing costs and the lack of coverage for a large segment of the population are the primary objectives of which of the following? A. Medical Savings Accounts B. National Health Insurance C. Medicaid D. Single Payer Plans
B. National Health Insurance
The Cheap Corporation has 500 employees covered under its group hospital expense plans. Which of the following is least likely to be excluded from coverage? A. Face lifts B. Pregnancy C. Custodial care D. Occupational injuries
B. Pregnancy
All the following statements concerning the effect of the Health Insurance Portability and Accountability Act on group health plans are correct EXCEPT: A. The act applies to both insured and self-insured plans. B. The act allows a higher premium to be charged for any individual or dependent who is disabled. C. The act makes new dependents eligible for coverage under special enrollment rules. D. With some exceptions, the act requires providers of group health insurance coverage that operate in the small group market to accept all small employers.
B. The act allows a higher premium to be charged for any individual or dependent who is disabled.
What are some of the difficulties in using supplemental medical plans? A. Employers are not willing to offer this option since it is much easier to redesign the medical expense plan. B. The administration and communication. C. Employee reluctance in acceptance supplemental plans. D. None of the above.
B. The administration and communication.
All of the following statements concerning Blue Cross plans are correct EXCEPT: A. Most plans operate in a single state. B. They are required to use experience ratings of all groups of more than 100 employees. C. Benefits are usually expressed in the form of services rather than in the form of dollar maximums. D. Hospitals are typically reimbursed on a per diem basis for each day a subscriber is hospitalized.
B. They are required to use experience ratings of all groups of more than 100 employees.
When compared to private insurance companies Blue Cross and Blue Shield: A. have tended to offer their services on an indemnity reimbursement basis rather than in the form of services. B. have a tax rate that is lower than the average tax rate for insurance companies. C. traditionally have offered a wider range of group insurance benefits to employers. D. have an advantage because they are still exempt from federal income tax laws. E. tends to have small hospital discounts.
B. have a tax rate that is lower than the average tax rate for insurance companies.
In Group Medical Expense Plans, employers can use the following measures for cost containment EXCEPT: A. claims review. B. increasing eligible benefits. C. managed care. D. health education and preventive care. E. Group medical expense plans use all of these measures.
B. increasing eligible benefits.
Many employers have a basic medical expense plan plus a supplemental major medical plan rather than a single comprehensive major medical plan. All the following are reasons for the use of separate plans EXCEPT: A. more than one provider of coverage is being used. B. it is easier to administer and communicate the separate coverage. C. there is a desire to provide first-dollar coverage for certain medical expenses. D. different employer contribution rates are made for the basic and major medical coverage.
B. it is easier to administer and communicate the separate coverage.
All of the following are distinguishing characteristics of HMO's EXCEPT: A. comprehensive care. B. large choice of specialists. C. delivery of medical services, by which in many cases are performed by salaried physicians and other personnel employed by the HMO. D. cost control.
B. large choice of specialists.
The following are common internal limitations placed on the benefits provided under major medical contracts EXCEPT: A. hospital room and board. B. prescription drugs. C. surgery. D. extended care facilities, home health care benefits, and hospice benefits.
B. prescription drugs.
All of the following are reasons why a 100 percent coinsurance provision might apply to certain medical expenses EXCEPT: A. the covered person has little or no control over the expenses. B. the plan would otherwise fail to meet the provisions of the Age Discrimination in Employment Act. C. there is a desire by the employer to provide first-dollar coverage. D. there is a desire by the employer to encourage the use of cost effective treatment.
B. the plan would otherwise fail to meet the provisions of the Age Discrimination in Employment Act.
All of the following statements concerning deductibles found in major medical expense contracts are correct EXCEPT: A. under a corridor deductible, no benefits are paid until a covered person has incurred a specific amount of expenses, above those paid by his or her basic coverages. B. under a family deductible, the deductible amount applies only to the medical expense of the parents. C. under an all-clauses deductible, the deductible must be satisfied only once during any given time period. D. under a calendar deductible, it is possible for medical expenses to be used to satisfy the deductible amount in two separate calendar years.
B. under a family deductible, the deductible amount applies only to the medical expense of the parents.
When a patient does not follow the pre-admission certification procedures most plans reduce benefits by? A. 70% B. 30% C. 50% D. 100%
C. 50%
Which of the following statements concerning basic hospital expense coverage is correct? A. Room-and-board benefits are usually paid for an unlimited time period. B. Room-and-board benefits are frequently subject to a deductible. C. Benefits for care in an intensive care facility are usually subject to either a time limit or an overall dollar maximum. D. Benefits are typically provided for convalescent care following hospitalization.
C. Benefits for care in an intensive care facility are usually subject to either a time limit or an overall dollar maximum.
Cost-containment techniques for medical expense coverage include which of the following: I. The encouragement by employers of external cost-control systems, such as health systems agencies II. The use by insurers of utilization review A. I only B. II only C. Both I and II D. Neither I nor II
C. Both I and II
Issues that must be addressed when outsourcing benefit administration include which of the following? I. Confidentiality of data II. Vendor responsibility for systems upgrades A. I only B. II only C. Both I and II D. Neither I nor II
C. Both I and II
Which of the following statements about controlling employee-benefit-plan costs is (are) correct? I. The use of probationary periods tends to reduce adverse selection. II. Cost savings that result from contributory plans may be offset by increased adverse selection and increased administrative costs. A. I only B. II only C. Both I and II D. Neither I nor II
C. Both I and II
Which of the following statements concerning extended care facility benefits is (are) correct? I. Benefits are usually contingent upon a prior hospitalization. II. Benefits are usually provided only if 24-hour-a-day nursing care is needed. A. I only B. II only C. Both I and II D. Neither I nor II
C. Both I and II
The initial amount of covered medical expenses an individual must pay before he or she will receive benefits under a major medical plan is known as? A. Co-insurance B. Premium C. Deductible D. Service charge
C. Deductible
When compared with insurance companies, Blue Cross and Blue Shield tend to have which of the following? A. Higher premium taxes B. Higher Federal Income Taxes C. Larger hospital discounts D. Larger acquisition expenses
C. Larger hospital discounts
Which of the following statements concerning prescription drug plans is correct? A. Nonprescription drugs are typically covered as long as they are ordered by a physician on a prescription form. B. Benefits are usually provided for the administration of drugs that cannot be self-administered. C. Most plans have a small deductible for each prescription. D. These plans are used only when the covered persons lack major medical coverage.
C. Most plans have a small deductible for each prescription.
All the following statements concerning the eligibility requirements of insured disability income plans are correct EXCEPT? A. Most plans require an employee to be actively at work before coverage will commence. B. Long-term plans often limit eligibility to salaried employees only. C. Short-term plans tend to have longer probationary periods than do long-term plans. D. Short-term plans sometimes limit eligibility to union employees only.
C. Short-term plans tend to have longer probationary periods than do long-term plans.
Which of the following statements concerning basic medical expense benefits is incorrect? A. Hospital expense coverage usually express room-and-board benefits as the full cost of semiprivate accommodations. B. Hospital expense coverage usually provides coverage for emergency room treatment of accidental injuries within a specified period of time following an accident. C. Surgical expense coverage usually provides benefits for surgery in a hospital only. D. Physicians visits expense coverage may be written to provide benefits for in-hospital visits only or to also include out-of-hospital visits.
C. Surgical expense coverage usually provides benefits for surgery in a hospital only.
Which of the following is Not covered in room-and-board charges in a hospital expense contract? A. Routine nursing care B. Services normally provided to all inpatients C. Televisions D. Meals
C. Televisions
All group health insurers must renew existing health insurance coverage unless one of the following circumstances exists. Which one does not apply? A. The plan sponsor failed to pay premiums or the issuer of health insurance coverage failed to receive timely premiums. B. The plan sponsor performed an act of fraud or made an intentional misrepresentation of material fact under the terms of the coverage. C. The coverage was lost because of loss of eligibility under the other coverage. D. The employer is no longer a member of the association that sponsors a plan.
C. The coverage was lost because of loss of eligibility under the other coverage.
Which of the following techniques focuses more on transferring costs to employees than on cost containment? A. competitive bidding B. wellness program C. benefit limitations D. alternative funding
C. benefit limitations
All of the following items are typically covered under a major medical contract EXCEPT: A. artificial limbs and organs. B. ambulance services. C. eye refraction and the fitting of eye glasses. D. prescription drugs.
C. eye refraction and the fitting of eye glasses.
A managed care plan should have all of the following characteristics EXCEPT: A. preventative care. B. high quality care. C. open access to medical providers. D. risk sharing. E. All of the above are characteristics of a managed care plan.
C. open access to medical providers.
Exclusions commonly found in major medical contracts include charges arising from all the following EXCEPT: A. occupational injuries covered under workers' compensation laws. B. convalescent care. C. physical therapy. D. eye refraction.
C. physical therapy.
All of the following are exclusions under hospital expense contracts, EXCEPT: A. occupational injury or disease benefits provided by worker's compensation laws. B. cosmetic surgery, unless used to correct a condition resulting from an accidental injury, while insured under the contract. C. pre-admission testing D. private-duty nursing
C. pre-admission testing
Which of the following room-and board charges is usually NOT covered under inpatient benefits? A. cost of the hospital room B. meals C. telephones and television D. routine nursing care
C. telephones and television
Peter Nelson has been totally and permanently disabled for the past 3 years. He is single and has annual investment income of $5,000 in addition to social security benefits and $6,000 in annual long-term disability benefits from his employer's group disability income plan. While he was actively employed, he was required to pay 40 percent of the cost of his coverage under the employer plan. How much of Peter's disability benefit from the employer's plan is includible in his gross income for federal income tax purposes? A. $0 B. $2,400 C. $2,400 D. $3,600
D. $3,600
In reference to the treatment of mental illness, alcoholism and drug addiction, outpatient benefits are usually subject to a coinsurance payment of: A. 20% & a specific dollar limit per visit. B. 25% & a specific dollar limit per visit. C. 40% & a specific dollar limit per visit. D. 50% & a specific dollar limit per visit.
D. 50% & a specific dollar limit per visit.
Most hospital expense contracts do NOT usually cover expenses resulting from: A. elective cosmetic surgery. B. private duty nursing care. C. occupational injury. D. All of the above
D. All of the above
Under outpatient benefits, it is usually common to find coverage for such expenses arising from which of the following: A. surgery. B. pre-admission testing. C. emergency room treatment. D. All of the above E. None of the above
D. All of the above
Which is (are) a provider of traditional health care coverage? A. Blue Cross and Blue Shield plans. B. Insurance companies C. Employers using self-funded arrangements D. All of the above
D. All of the above
While a certain degree of cost containment is within the control of employers, proper control of costs is an ongoing process that requires participation by: A. consumers. B. government. C. providers of health care services. D. All of the above E. None of the above
D. All of the above
Which is NOT an exclusion found in major medical contracts? A. Occupational injuries B. Rest care C. Cosmetic surgery, unless such surgery is to correct a condition resulting from either an accidental injury or a birth defect (if the parent has dependent coverage when the child is born). D. Ambulance services
D. Ambulance services
Which of the following statements about vision-care expense benefits is (are) correct? A. Coverage is provided by insurance companies only. B. Benefits are usually provided for eye surgery. C. Benefits are provided for sunglasses if a prescription is needed. D. Benefits are usually provided on the basis of a benefit schedule.
D. Benefits are usually provided on the basis of a benefit schedule.
Which of the following statements concerning insured group disability income benefits is correct? A. Short-term plans typically pay benefits for a duration of between 2 and 5 years. B. Short-term plans usually reduce either the duration or periodic amount of benefits for older workers. C. Most long-term plans have a shorter waiting period for disabilities arising from accidents than for disabilities arising from sickness. D. Both long-term and short-term plans usually place a dollar maximum on periodic benefits, regardless of worker's earnings.
D. Both long-term and short-term plans usually place a dollar maximum on periodic benefits, regardless of worker's earnings.
Which of the following types of medical expense plans has the highest degree of managed care? A. Independent practice association HMOs B. Preferred-provider organizations C. Point-of-service plans D. Closed-panel HMOs
D. Closed-panel HMOs
All of the following are provisions of the Health Insurance Portability and Accountability Act, EXCEPT which of the following? A. Increased tax-deductibility of medical expense premiums for the self-employed. B. Increased availability of medical expense coverage. C. Favorable income tax treatment for long-term care insurance. D. Decreased eligibility for COBRA benefits.
D. Decreased eligibility for COBRA benefits.
Which of the following statements concerning temporary disability laws is (are) correct? I. Benefits must be equal to 100 percent of an employee's average weekly wage for some period prior to disability. II. The entire cost of coverage must be borne by the employer. A. I only B. II only C. Both I and II D. Neither I nor II
D. Neither I nor II
Which of the following statements concerning the Mental Health Parity Act is (are) correct? I. It requires alcoholism and drug addiction to be treated like any other mental illness. II. It prohibits different cost-sharing provisions for mental health benefits and other medical and surgical benefits. A. I only B. II only C. Both I and II D. Neither I nor II
D. Neither I nor II
Which of the following statements concerning the definition of disability under long-term disability income plans is (are) correct? I. The definition during early years is usually the same as the definition used by social security. II. The definition usually becomes less restrictive after an employee has been disabled for a period of time. A. I only B. II. Only C. Both I and II D. Neither I nor II
D. Neither I nor II
Which of the following statements concerning the typical group short-term disability insurance contract is correct? A. Partial disabilities are covered. B. Occupational injuries are covered. C. There is a waiting period of 30 to 60 days before benefits for sickness begin. D. The maximum benefit period applies to each separate disability.
D. The maximum benefit period applies to each separate disability.
The following are procedures for pre-admission certification EXCEPT: A. authorization for non-emergency hospitalization. B. determination of whether hospitalization or alternative care is appropriate. C. reduction of benefits if the pre-admission procedure is NOT followed. D. all of the above are correct.
D. all of the above are correct.
All of the following expenses are often subject to internal limitations under major medical policies EXCEPT: A. hospital room and board. B. home health-care benefits. C. treatment for mental and nervous disorders. D. diagnostic X-rays and laboratory services.
D. diagnostic X-rays and laboratory services.
Long-term disability income plans are usually integrated with all of the following EXCEPT: A. Social Security. B. Worker's Compensation laws. C. earnings from other employment. D. individual disability income contracts purchased by employees.
D. individual disability income contracts purchased by employees.
Which of the following is NOT one of the basic medical expense coverage? (Note: did not say traditional for this question). A. hospice expense coverage B. home health care C. birthing centers D. office calls
D. office calls
All of the following statements concerning coverage contained in group hospital expense insurance contracts are correct EXCEPT: A. outpatient benefits include the use of emergency room facilities. B. miscellaneous charges are typically covered in full, subject to some maximum amount and/or duration of benefits. C. inpatient benefits include the cost of laboratory expenses and X-rays. D. private duty nursing is usually covered.
D. private duty nursing is usually covered.
Which of the following is a characteristic that should be contained in a managed care plan? A. preventative care B. comprehensive case management C. risk sharing D. high quality care E. All of the above
E. All of the above
Which of the following is an internal limitation placed on the benefits provided under major medical contracts? A. Hospital room and board B. Surgery C. Extended care facilities D. Vision care E. All of the above
E. All of the above
Which of the following is NOT a characteristic of major medical coverage? A. Broad range of covered expenses B. Deductibles C. High overall maximum benefits D. Co-insurance E. All of the above are correct
E. All of the above are correct
The Health Insurance Portability and Accountability Act prohibits any of the following health related factors as a reason to exclude an employee or department from coverage under a group health insurance plan EXCEPT: A. medical history. B. disability. C. claims experience. D. genetic information. E. All of the above are prohibited by The Health Insurance Portability and Accountability Act
E. All of the above are prohibited by The Health Insurance Portability and Accountability Act
Which of the following Federal Legislation Acts that were passed in the 1970's most affected the growth of HMO's? A. The Social Security Act B. The Americans with Disabilities Act (ADA) C. The Civil Rights Act D. Employee Retirement Income Security Act (ERISA) E. Health Maintenance Organization Act of 1973
E. Health Maintenance Organization Act of 1973
A supplemental major medical plan most often covers the following expenses EXCEPT: A. expenses not within the scope of the basic coverage. B. expenses no longer covered under the basic coverages because those benefits have been exhausted. C. expenses in excess of the dollar maximum provided under the basic coverages. D. expenses specifically excluded under the basic coverages. E. None of the above
E. None of the above
(T/F) Short-term disability income contracts most often provide coverage for partial disabilities.
False
(T/F) Short-term disability plans are often integrated with other disability income benefits.
False
(T/F) Short-term plans usually have a benefit reduction for older employees.
False
(T/F) Premiums for salary continuation plans (sick leave) are usually paid by the employer.
False; uninsured by definition
(T/F) Most salary continuation plans are designed to provide benefits equal to no more than 50 percent of an employee's regular pay.
False; usually 100% and can be reduced after 1 period of full pay
(T/F) A majority of long-term disability plans use a dual definition of disability that is more liberal at first and becomes more restrictive after 24 to 36 months.
True
(T/F) A person is more likely to be disabled for at least 90 days before age 65 than to die.
True
(T/F) Employer contributions for disability income insurance do not result in taxable income to an employee.
True
(T/F) Employer contributions to disability income plans are fully deductible as an ordinary and necessary business expense as long as the overall compensation of the employee is reasonable.
True
(T/F) Employers are less likely to provide disability coverage than either life insurance or medical expense benefits.
True
(T/F) In primary integration, the LTD (long-term disability) benefit is reduced only by the amount the disabled worker receives from Social Security, not by the amount his/her family receives.
True
(T/F) Most salary continuation plans require an employee to satisfy a short (1-3 month) probationary period before becoming eligible for benefits.
True
(T/F) Salary continuation plans usually replace 100 percent of salary at least in the short term.
True
(T/F) The cost of state Worker's Compensation plans are placed completely on employers
True
(T/F) The cost of state Worker's compensation plans are experience rated and vary according to the risks of the various occupations of the employees, the actual experience of the employer and, to some extent, by the size of the firm's work force.
True
(T/F) The primary reason for coordinating group disability income benefits with other sources of disability income benefits is that the lack of coordination can lead to such a generous level of benefits that absences from work because of disability might either be falsified or unnecessarily prolonged.
True
(T/F) Usually sick leave plans are uninsured by definition.
True
(T/F) Worker's compensation plans provide complete medical care for work-connected injuries with no waiting period.
True
(T/F) In most short-term disability contracts, there is no waiting period for disabilities resulting from accidents.
True; and 1-7 days for illness