团体寿险与年金第 525 / 716 题
Federal COBRA continuation generally allows an eligible employee who loses group health coverage to:
a.Enroll in Medicare before age 65, because an involuntary job loss is a Medicare qualifying event
b.Keep the same group coverage permanently, because the plan may never terminate a former employee's coverage
c.Receive the continued coverage at no cost, because the former employer must keep paying the premium
d.Continue the group health coverage for a limited time by paying the premium themselves
解析
COBRA lets qualified individuals who experience a qualifying event (such as job loss or reduced hours) continue their group health coverage for a limited period by paying the premium themselves, generally the full cost plus a small administrative charge. It is not free, not permanent, and not a path to early Medicare. COBRA bridges a coverage gap so a person does not go uninsured while between jobs or plans, though the enrollee bears the cost the employer once shared.
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同考点相关题目
- In a noncontributory group insurance plan, the employer pays the entire premium, and as a result insurers generally require that:
- In a contributory group plan, in which employees share in the premium cost, insurers usually require that:
- When an employee leaves a group life insurance plan, the conversion privilege generally allows them to:
- In addition to retirement income, the federal Social Security program also provides:
- Under the federal Affordable Care Act, adult children may generally remain covered on a parent's health plan until they reach age:
- A central federal Affordable Care Act reform to individual and small-group health coverage was to:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)