Most Small Employers Have Trouble Finding an Insurance Carrier Willing

question 73

Multiple Choice

Most small employers have trouble finding an insurance carrier willing to service their group if one or more individuals are in ill health.These firms have access to group insurance by participating in this trust.The trust makes available to small employers, often in the same industry group and with as few as one or two employees each, benefits similar to those available to large groups.They are often organized for a trade association, union, or other sponsoring organization by an insurer or third-party administrator.Identify this trust.

• A)Multiple-insurance trust
• B)Multiple-employer trust
• C)Aggregate reinsurance trust
• D)Contributory insurance trust
• E)Distributive reinsurance trust

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Definitions:

Disruptive Mood Dysregulation

A psychiatric disorder characterized by severe and recurrent temper outbursts that are disproportionate to the situation and inconsistent with the developmental level.

Pathologizes

The process of viewing or treating behaviors and psychological experiences as indicative of disease or dysfunction.

Prevalence

The proportion of a population that is affected by a certain condition, disease, or characteristic at a specific time.

Psychological Disorders

Mental health conditions characterized by significant disturbances in thoughts, feelings, or behaviors.