GR1 実際試験問題と解答 - 模擬練習 - 受験自信を増やす

Question No : 1
Employer-sponsored death benefits are most commonly based on which of the following?

A.The size of the employee's family
B.The employee's annual salary
C.The employee's health history
D.The employee's premium contributions

正解:

Question No : 2
Which of the following is typically considered a health care benefit?

A.Defined benefit plan
B.Death benefits
C.Defined contribution plan
D.Vision plan

正解:

Question No : 3
A medical benefits plan provision ensuring that the correct plan is paying expenses when the member is covered under more than one plan is known as what?

A.Deductible
B.Coinsurance
C.Coordination of benefits
D.Out-of-pocket expenses

正解:

Question No : 4
What are usual, customary and reasonable charges (UCR)?

A.The charges that an insurance carrier determines are normal for a particular medical procedure within a specific geographical area
B.The charges that are published annually in the Global Insurers' Medical Cost Comparison Guide
C.The charges that are allowable for any given medical procedure with no pre-treatment authorization
D.The charges that are typically paid up front by a plan participant for services rendered.

正解:

Question No : 5
Regarding medical plans, what is the out-of-pocket maximum?

A.The most that the member will be liable for in relation to co-insurance
B.The maximum the plan will pay if the member is covered by another insurance plan
C.The limit the member will be required to pay at each doctor visit
D.The lifetime limit for benefits to any one employee

正解:

Question No : 6
Which of the following best describes a factor that has influenced the growth and change in benefits?

A.There is a decreasing number of females in the workforce.
B.Employees are expressing a greater desire for choice in their benefits.
C.Employees have longer career expectations.
D.Decreasing costs are causing growth in the numbers of benefits employers offer.

正解:

Question No : 7
Which statement is most accurate regarding the effect of taxation on the benefits that employers offer?

A.Taxation has no effect on employee benefits; employers offer benefits for competitive reasons only.
B.Taxation is the primary reason that employers offer benefits; in the absence of tax incentives, employers would be unlikely to offer them.
C.Taxation affects the level of benefits offered, the source of benefits and the employer/employee cost-sharing basis.

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Question No : 8
Which of the following benefits are usually offered at the discretion of the employer?

A.Retirement plans
B.Unemployment insurance
C.Social security programs
D.Disability (occupational)

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Question No : 9
Which of the following are the two primary elements of benefits?

A.Mental health coverage and health care coverage
B.Pay for time not worked and income protection programs
C.Unemployment and disability
D.Defined contribution and defined benefits plans

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Question No : 10
What type of equity incentive gives employees the right to purchase company shares at a specified price?

A.Stock/share options
B.Stock/share grants
C.Restricted stock/shares
D.Performance units

正解:

Question No : 11
What is a primary objective of profit-sharing and performance-sharing variable pay plans?

A.To achieve organizational cost savings through base pay reductions
B.To increase employee identification with the organization's success
C.To defer compensation expenses to future reporting periods
D.To reward individual employees for some significant contribution

正解:

Question No : 12
How do commissions typically differ from annual incentives for non-executive employees?

A.They are based on a predetermined performance and reward schedule.
B.They are offered to motivate employee performance.
C.They are intended to align the interests of the employee with those of the organization.
D.They tend to make up the larger portion of an employee's total compensation.

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Question No : 13
Which of the following is a type of variable pay?

A.Pay for time not worked
B.Hourly pay
C.Bonuses
D.Piece rate

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Question No : 14
Which of the following is a type of variable pay?

A.Salary
B.Piece rate
C.Hourly rate
D.Commissions

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Question No : 15
When would an employee most likely receive a differential in addition to the regular hourly rate?

A.When working in more than one department
B.When working less time than his or her normal schedule
C.When working in locations other than the corporate office
D.When working a holiday or weekend

正解:

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