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Limitations of Employee Benefit Plans
Risk Management of Employee Benefit Plans
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actuarial ADEA adverse selection amount annuity apply approach basic plan basis benefit program Blue Cross-Blue Shield cafeteria plan calendar cash charges claims coinsurance contract cost covered expenses covered person death benefit deductible dental plan dependents disability benefits disability income dollar earnings employee benefit plan employer contributions employment ERISA ESOP example formula funding instrument group insurance group life insurance group term Health Maintenance Organization HMO option illustration individual insurance companies insurance plans investment long-term disability LTD plans major medical plan maximum limit medical expense benefits medical expense coverage medical expense plan Medicare ment normal retirement paid participants payable payment pension plan percent percentage period physicians plan design premium profit-sharing plans qualified reasonable and customary regular medical requirements retirement benefits retirement income salary schedule self-funded short-term Social Security specified surgical taxable term life insurance termination termination of employment tion typically vesting workers