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Introduction to Employee Benefits
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50 percent actuarial addition administrative adverse selection annual annuity apply basic basis beneficiary Blue Blue Cross-Blue Shield Chapter charges claims coinsurance compensation cost Covered in full death benefit deductible defined-benefit plan defined-contribution plan dental designed determined disability income discussed distribution earnings eligible employee benefit employee benefit plans employee's employer contributions employment ERISA example exclusion expense benefits federal formula group term insurance hospital increase individual insurance company insurance plans Internal Revenue Code investment laws liability limit major medical manual rates maximum medical expense plans medicare method normal retirement option paid participant participant's payments PBGC pension plan percentage period plan provides plan's policyowner premium prior profit-sharing plans programs provide benefits qualified plan receive result retirement benefit rules salary schedule self-funded social security specified spouse stop-loss survivor taxable income term life insurance termination termination of employment trust types usually vesting workers