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Reasons for Employee Benefit Plans
Risk Management Process
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actuarial adverse selection amount annuity apply approach basic basis Blue Cross-Blue Shield cafeteria plan cash Chapter charges claims coinsurance contract cost covered employees covered person death benefits deductible defined benefit plan defined contribution plans DEFRA dental plan dependents disability benefits disability income early retirement earnings employee benefit plans employer contributions ERISA ESOP example experience rating financing funding instrument gross income group insurance group life insurance group term hospital individual insurance company investment LTD plans major medical plan medical expense benefits medical expense coverage medical expense plan Medicare ment option P-H Pension paid participant's participants payable payment pension benefits pension plan percent percentage period premium Profit Sharing Service profit-sharing plans qualified plan qualified retirement plans reasonable and customary requirements retirement benefits retirement income salary savings plans schedule self-funding Social Security specified spouse stop-loss surgical taxable term life insurance tion types unemployment VEBA vesting