Vida Grupal y AnualidadesPregunta 522 de 716
In a noncontributory group insurance plan, the employer pays the entire premium, and as a result insurers generally require that:
a.Only employees who volunteer are covered
b.Coverage remain entirely optional for each worker
c.100 percent of eligible employees be covered
d.No employees be covered until they contribute
Explicación
In a noncontributory plan the employer pays the full premium, so insurers typically require that 100 percent of eligible employees participate; universal participation eliminates adverse selection because no one can opt out and leave only higher-risk workers in the plan. It is not limited to volunteers, does not exclude everyone, and is not optional. The 100 percent rule for noncontributory plans contrasts with the lower participation percentages allowed when employees share the cost.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)