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最新的 HRCI Certification SPHRi 免費考試真題 (Q223-Q228):
問題 #223
Under "coordination of benefits" rules, how are insurance claims processed?
- A. Charges are split evenly between the primary and secondary payers.
- B. Out-of -pocket expenses are deducted directly from the employee's flexible spending
- C. Claims are processed only at an "allowable amount" as determined by the insurance
- D. Charges are first allocated to the primary payer, and then residual charges are submitted to
答案:D
解題說明:
Coordination of benefits rules require that the insurance plan listed as primary will be charged first, and any residual charges will be processed by the secondary payer.
問題 #224
The Youngblood Company is too small to have its own health insurance plan, so it joins several other businesses in a combined plan. What is this known as?
- A. An administrative services only plan
- B. A third-party administrator plan
- C. A partially self-funded plan
- D. A health purchasing alliance
答案:D
解題說明:
The Youngblood Company's arrangement is known as a health purchasing alliance. This gives smaller businesses more purchasing power and leverage in negotiations with health insurance providers. In an administrative services only plan, the employer creates a claim fund and then hires an insurance company to manage it. In a third party administrator plan, a business besides the employer or the insurance company handles claims. In a partially self-funded plan, employers only provide a certain amount of coverage. This type of plan ensures that a small business will not be ruined by a single large claim.
問題 #225
The new CHRO is aware that hiring top talent in the insurance sector is a challenge because it is of ten not the industry of choice for many recent graduates. She also knows that unemployment is low and the labor market is highly competitive. What can the CHRO do to improve hiring efforts?
- A. Research and study recruiting metrics for the insurance sector.
- B. Build rapport with local college career services personnel.
- C. Sign up for several local job fairs to meet candidates in person.
- D. Review job postings and rewrite ads to attract more candidates.
答案:B
解題說明:
The CHRO displays adept relationship management by building rapport with external contacts that can help create a talent pipeline for the company. Working directly with colleges and their career services centers will improve hiring efforts in the long term.
問題 #226
A company is looking to design more flexibility into its compensation practices in order to empower managers to more accurately reward their employees for high performance.
Which of the following compensation practices is most likely to achieve this goal?
- A. Market pricing
- B. Broadbanding
- C. Pay policy line
- D. Pay grades
答案:B
解題說明:
Market pricing and establishing a pay policy line are directly linked to market compensation practices and do not of fer a wide variability of options in pay rates. Pay grades of fer some additional flexibility and set a minimum and maximum pay rate for a position or for a set of related positions. Broadbanding combines sets of pay grades and a greater number of positions into a larger range of pay options. This technique allows managers greater agency and flexibility in how they choose to reward or value their employees.
問題 #227
Which of the following best explains workers' compensation laws regarding an employer's responsibility?
- A. Employers are responsible for any health problems that an employee develops while
- B. Employers are responsible for any work-related injuries or health problems.
- C. Employers may utilize federal aid for most work-related injuries and problems that
- D. Employers do nothave to assume responsibility for employee problems unless the
答案:B
解題說明:
Workers' compensation laws state that employers are responsible for any work-related injuries or problems that employees sustain on the job. Answer choice B is incorrect because employers are not responsible for an individual's health problems unless they were caused at work.
Answer choice C is incorrect because the workers' compensation laws do not necessarily place the full burden of proof on employees to prove the nature of the injury or problem. Answer choice D is incorrect because the workers' compensation laws do not provide for federal aid.
問題 #228
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