A Situation in Which Only Higher-Risk Employees Choose and Use

question 55

Multiple Choice

A situation in which only higher-risk employees choose and use certain benefits under a flexible benefits plan provided by employers is referred to as _____.

• A) concentration of risk
• B) perceived vulnerability
• C) adverse selection
• D) skewed distribution effect

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Definitions:

Children

Children are young human beings who are in the early stages of their life, typically considered to be from birth to the onset of puberty.

Adolescents

Individuals in the transitional stage of human development that occurs between childhood and adulthood, typically ranging from ages 13 to 19.

Visual Memory

The ability to remember or recall information such as objects, actions, or images in one's mind with visual detail.

Epigenetic Effects

Biological changes that affect gene expression without altering the DNA sequence.