Group Dental Insurance and Other Group Insurance Benefits

Group Dental Insurance and Other Group Insurance Benefits

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Questions 1 to 20: Select the best answer to each question. Note that a question and its answers may be split across a page
break, so be sure that you have seen the entire question and all the answers before choosing an answer.
1. Suppose a movie theater provides movie tickets to its employees. This benefit is considered to be a
A. service plan.
B. service award.
C. taxable service.
D. no-additional-cost service.
2. A stop-smoking program for employees is considered to be a/an _______ program.
A. fitness
B. medical screening
C. employee assistance
D. lifestyle management
3. Carlos has lived in a long-term care facility for two years. He had to go into the hospital for 10 days.
When he was released from the hospital, he had to find a new place to live. What is the most likely reason
for his predicament?
A. His respite-care benefits didn’t continue during the hospital stay.
B. He didn’t have a bed reservation benefit.
C. His 10-day absence from the facility required that he reapply for long-term benefits.
D. His care coordination benefit was canceled.
4. Why would an employer consider having a shorter dental probationary period?
A. To reduce the volume of first-year claims
B. To provide care immediately to avoid greater dental problems later
C. To make sure the employees’ dental health is acceptable
D. To attract and retain new employees
5. Which one of the following is an example of a wellness program?
A. On-site counseling with a therapist
B. Access to Alcoholics Anonymous (AA)
C. On-site mammogram screenings
D. Treatment for drug abuse
6. Which one of the following statements is true of the direct reimbursement approach?
A. The dentist sends the bill for the employee’s visit to the employer.
B. There is a great degree of control over utilization.
C. It involves large claims because there’s no cap on benefit amounts.
D. It often generates a significant savings for the employer, largely because of lower administrative costs.
7. Which one of the following group benefit plans most likely uses self-funding more than the other plans?
A. Retrospect-rating plan
B. Short-term disability income plan
C. Long-term disability plan
D. Noncontributory plan
8. An employee who owned 5 percent of a company during the previous year or, during that same year,
received a salary of $100,000 or more, would be considered _______ compensated under the Internal
Revenue Code (IRC).
A. under
B. appropriately
C. highly
D. excessively
9. Under which type of group legal expense plan would an employee be expected to pay the complete
attorney’s charges?
A. Referral and discount plan
B. Comprehensive plan
C. Access plan
D. Contingency plan
10. When an employer self-funds its company’s benefits, management may choose to outsource some
related administrative functions. This sort of arrangement would be covered under a/an
A. cost-plus scheme.
B. ASO contract.
C. self-funding clause.
D. stop-loss coverage plan.
11. Veracruz Corp. is paying heavy dental expenses for employees who have been in the dental plan for
only one or two months. Which one of the following options could the company adopt to reduce these
expenses?
A. Increase the benefits directly following enrollment.
B. Reduce benefits for employees for a period of time after late enrollment.
C. Establish a late enrollment period in which employees can make their dental selections at a later date.
D. Allow employees to select dental insurance year-round.
12. Jen has no formal medical training, but she earns her living helping the elderly with basic tasks like
bathing and dressing. What type of care does Jen give?
A. Intermediate care
B. Assisted-living care
C. Skilled care
D. Custodial care
13. Company Y provides the following fringe benefits to its employees. Which of these benefits would be
counted as additional income on the employees’ taxes?
A. Employer-paid travel to look for a house when relocating
B. Preretirement counseling programs
C. Membership to the employee fitness center
D. Employee discounts
14. Employees of the Hikesman Group are eligible for three months’ maternity leave. According to law, if
an employee adopts a child, that employee is eligible for _______ percent of the maternity leave.
A. 50
B. 25
C. 100
D. 0
15. A good reason for an employer to convert its traditional benefits program to a cafeteria plan is to
A. reduce the risk of adverse selection.
B. lower costs.
C. better manage negotiations with unions.
D. reduce employee discontent.
16. Debating the pros and cons of employee child-care plans, Lorraine maintains that the most common
approach is to provide reimbursements to employees for making their own child-care arrangements.
Lawrence neither agrees nor disagrees with Lorraine’s contention, but he insists that the number of on-site
child-care facilities is growing. Who is correct?
A. Only Lorraine is correct.
B. Both Lawrence and Lorraine are correct.
C. Only Lawrence is correct.
D. Neither Lawrence nor Lorraine is correct.
17. Which of the following statements is correct about company wellness programs?
A. No evidence indicates that such programs increase productivity or employees’ sense of well-being.
B. The costs of such programs are often offset by the lowered costs of medical expenses.
C. They’re typically initiated by small companies with only a few employees.
D. Such programs are very seldom integrated with managed care plans.
18. If an employer provides a preretirement-counseling program for its employees, then the program is
considered a/an
A. form of extra payment to employees.
End of exam

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