Benefic Study guides, Class notes & Summaries

Pharmacology of opioids, beneficial uses of opioids, opioids: causes for concern, Research studies and PilotsRaw opium is about 10 percent morphine by weight and a smaller amount of codeine - correct answer With added acetyl groups heroin can pass through the blood-brain barrier faster, making heroin more potent than morphine although researchers have been unsuccessful in finding ways to spate the analgesic dependence-producing effects of opiods, they have developed a variety of prescription ...

NR 447 Week 4 Assignment; Direct Care Project Part 2 - Planning the Presentation -Benefits of CMSRN Certification

Primary Factors In Premium Calculations - ANSWER1. Mortality Factor 2. Interest Factor 3. Expense Factor Morality Factor - ANSWERA measure of the number of deaths in a given population. Mortality is based on a large risk pool of people and time. Insurance companies use mortality tables to help predict the life expectancy and probability of death for a given group. Interest Factor - ANSWERInsurance companies invest the premiums they receive in an effort to earn interest. This interest is ...

Employer health plans must provide primary coverage for individuals with end-stage renal disease before medicare becomes primary care for how many months? - Answer- 30 months the sole beneficiary of a life insurance policy dies before the insured. the policy will then go to? - Answer- The insured's estate An insured buys a 5-year level premium term policy with a face amount of $100,000. The policy also contains renewability and convertibility options. When the insured renews the policy in...

Mortality factor - ANSWERmortality tables indicate the number of individuals within a specified group starting at a certain age, who are expected to be alive at a succeeding age; this table indicates Natural premium - ANSWERamount of premium that must be collected from each member of a group composed of same age, sex, risk in order to pay $1000 for each death that will occur in the group each year Interest factor - ANSWERsince premiums are paid before claims are incurred, insurance compani...

If the insured and primary beneficiary are both killed in the same accident and it cannot be determined who died first, where are the death proceeds to be directed under the Uniform Simultaneous Death Act? - ANSWERInsured's contingent beneficiary When can a policyowner change a revocable beneficiary? - ANSWERAnytime Which premium schedule results in the lowest cost to the policyowner? - ANSWERAnnual A level premium indicates - ANSWERthe premium is fixed for the entire duration of the c...

Who is the beneficiary in a life insurance policy? - ANSWERThe stated person or entity who is designated to receive the death proceeds When a policy loan is requested by a policyowner and it requires the consent of the beneficiary, what kind of beneficiary designation is this? - ANSWERIrrevocable beneficiary The beneficiary of a life insurance policy is normally selected by whom? - ANSWERPolicyowner Which settlement option makes minimum guaranteed dollar payments over a stated number of...

What is the price of insurance for each exposure unit? a. Rate b. Premium c. Rating d. Expense - ANS a. Rate The price of insurance for each exposure unit is called the rate. How are death benefits that are received by a beneficiary normally treated for tax purposes? a. Taxable at the beneficiary's current tax bracket b. Subject to state and local taxes only c. Exempt from federal income taxes d. Taxable as a capital gain - ANS c. Exempt from federal income taxes Death ...

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