220 Exam Florida Statutes Exam
Questions and Answers Verified Solutions
Latest Update 2026/2027
Question:
The MEWA Issue.
Answer:
MEWA is an abbreviation for Multiple- Employer Welfare Arrangement. These are risk-bearing
entities defined as employee welfare benefits plans that are established to provide one or more
insurance benefits (including health insurance) to employees of two or more employers. In other
words, a MEWA cannot be a single-employer plan to exempt it from state insurance regulation.
MEWAs are not exempt from state insurance regulation. ERISA recognizes MEWAs so there is a
coexisting state and federal regulatory authority over most MEWA employee welfare benefit plans.
Question:
Special Rules of Pre-emption apply to MEWAs that meet the ERISA definition and that are also
employee welfare benefit plans:.
Answer:
- If fully insured the MEWA is subject to state insurance laws
- If not fully insured, the MEWA is subject to all state insurance laws
not inconsistent with ERISA - unless exempt because of other U.S. Department of Labor
regulations. If MEWA is exempted, it is subject
to state insurance regulations in the same manner as a fully insured MEWA.
- If MEWA is not an employee benefit plan, there is no pre-emption
and it is subject to full state insurance regulation.
Question:
MEWA is an abbreviation for ________-_______ _______ __________.`.
Answer:
Multiple-Employer Welfare Arrangement
,Question:
MEWA provides one or more insurance benefits to employees of _____ or more employers..
Answer:
two
Question:
particular situations.
Answer:
There are three exceptions to the MEWA definition. They are:
1. Union Plans
2. Association Plans
3. Professional Employer Organization (PEO)
Question:
Union Plans.
Answer:
Most Union Plans are subject to insurance law. The only exception are the plans the U.S.
Department of Labor
has approved after reviewing the bargaining agreements between the union and their employers.
Union Plans:
- can be an exception to MEWA
- must have an "express finding" made by the U.S. Department of
Labor
- without an express finding are subject to state regulations
Question:
What are the three exceptions to the MEWA definition?.
Answer:
1. Union Plans
2. Association Plans
3. Professional Employer Organization (PEO)
,Question:
Association Plans.
Answer:
Association Plans are not exempt from state regulations for two reasons:
1. There is no employer-employee relationship
2. They must be fully insured
Question:
Professional Employer Organization (PEO).
Answer:
are not exempt from state regulations because there is not an employer/employee relationship and
the original employer controls the common law incidents of employment, such as:
- hiring and firing
- employee performance evaluations
- employee discipline
- compensation
- hours, location, nature and method of the work performed
Question:
Possible Consequences for Aiding and Abetting an Unauthorized Insurer and for Acting as an
Insurer without Proper License.
Answer:
- Conviction of a 3rd degree felony
- Liability for all unpaid claims
- Suspension or revocation of all insurance licenses
Question:
Name one consequence for aiding and abetting an unauthorized insurer.
Answer:
- Conviction of a 3rd degree felony
- Liability for all unpaid claims
, - Suspension or revocation of all insurance license
Question:
Ethical behavior is more than trying not to do wrong. It is determining to do r_______..
Answer:
right
Question:
Ethics - What is it?.
Answer:
The word "ethics" comes from the Greek word "ethos" which means "custom". When used in
Greek society, it generally referred to "proper modes of conduct". Ethical behavior is more than
just not breaking the law. It is the product of ingrained attitudes, personal respect, and ideals of
service to others in an unselfish manner. Altruism is a term that is closely related to agent ethics.
Altruism is defined as "consciously seeking and serving the welfare of others". The opposite of
Altruistic would be "selfish" or putting your own interests above the interests of others.
Question:
Which term is closely related to agent ethics?.
Answer:
altruism
Question:
Personal Ethics.
Answer:
Where do we get our values?
- Parents
-Friends
-Religion
-Community
-School
Questions and Answers Verified Solutions
Latest Update 2026/2027
Question:
The MEWA Issue.
Answer:
MEWA is an abbreviation for Multiple- Employer Welfare Arrangement. These are risk-bearing
entities defined as employee welfare benefits plans that are established to provide one or more
insurance benefits (including health insurance) to employees of two or more employers. In other
words, a MEWA cannot be a single-employer plan to exempt it from state insurance regulation.
MEWAs are not exempt from state insurance regulation. ERISA recognizes MEWAs so there is a
coexisting state and federal regulatory authority over most MEWA employee welfare benefit plans.
Question:
Special Rules of Pre-emption apply to MEWAs that meet the ERISA definition and that are also
employee welfare benefit plans:.
Answer:
- If fully insured the MEWA is subject to state insurance laws
- If not fully insured, the MEWA is subject to all state insurance laws
not inconsistent with ERISA - unless exempt because of other U.S. Department of Labor
regulations. If MEWA is exempted, it is subject
to state insurance regulations in the same manner as a fully insured MEWA.
- If MEWA is not an employee benefit plan, there is no pre-emption
and it is subject to full state insurance regulation.
Question:
MEWA is an abbreviation for ________-_______ _______ __________.`.
Answer:
Multiple-Employer Welfare Arrangement
,Question:
MEWA provides one or more insurance benefits to employees of _____ or more employers..
Answer:
two
Question:
particular situations.
Answer:
There are three exceptions to the MEWA definition. They are:
1. Union Plans
2. Association Plans
3. Professional Employer Organization (PEO)
Question:
Union Plans.
Answer:
Most Union Plans are subject to insurance law. The only exception are the plans the U.S.
Department of Labor
has approved after reviewing the bargaining agreements between the union and their employers.
Union Plans:
- can be an exception to MEWA
- must have an "express finding" made by the U.S. Department of
Labor
- without an express finding are subject to state regulations
Question:
What are the three exceptions to the MEWA definition?.
Answer:
1. Union Plans
2. Association Plans
3. Professional Employer Organization (PEO)
,Question:
Association Plans.
Answer:
Association Plans are not exempt from state regulations for two reasons:
1. There is no employer-employee relationship
2. They must be fully insured
Question:
Professional Employer Organization (PEO).
Answer:
are not exempt from state regulations because there is not an employer/employee relationship and
the original employer controls the common law incidents of employment, such as:
- hiring and firing
- employee performance evaluations
- employee discipline
- compensation
- hours, location, nature and method of the work performed
Question:
Possible Consequences for Aiding and Abetting an Unauthorized Insurer and for Acting as an
Insurer without Proper License.
Answer:
- Conviction of a 3rd degree felony
- Liability for all unpaid claims
- Suspension or revocation of all insurance licenses
Question:
Name one consequence for aiding and abetting an unauthorized insurer.
Answer:
- Conviction of a 3rd degree felony
- Liability for all unpaid claims
, - Suspension or revocation of all insurance license
Question:
Ethical behavior is more than trying not to do wrong. It is determining to do r_______..
Answer:
right
Question:
Ethics - What is it?.
Answer:
The word "ethics" comes from the Greek word "ethos" which means "custom". When used in
Greek society, it generally referred to "proper modes of conduct". Ethical behavior is more than
just not breaking the law. It is the product of ingrained attitudes, personal respect, and ideals of
service to others in an unselfish manner. Altruism is a term that is closely related to agent ethics.
Altruism is defined as "consciously seeking and serving the welfare of others". The opposite of
Altruistic would be "selfish" or putting your own interests above the interests of others.
Question:
Which term is closely related to agent ethics?.
Answer:
altruism
Question:
Personal Ethics.
Answer:
Where do we get our values?
- Parents
-Friends
-Religion
-Community
-School
