User: coverage characteristics of disability insurance

Weegy: The coverage characteristics of disability insurance are: 1. The definition of disability (partial or total disability and any occupation or own occupation) 2. The elimination period (when benefits begin) 3. [ The term of benefits (when benefits end) 4. Noncancelable and guaranteed renewable provisions 5. Riders such as COLA, future insurability, residual benefits ans social securtity coordination. ]
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User: coverage characteristics of life insurance

Weegy: Recent studies indicate the proportion of individuals at midlife with some type of health coverage is higher than is the case for younger adults, with coverage rates higher among white persons, workers in large firms, [ and individuals with high incomes and many years of education (U.S. Bureau of the Census, 1995; Employee Benefit Research Institute, 1995; Swartz, 1993; U.S. Department of Labor, 1995; U.S. Department of Labor et al., 1994). However, given rapid ongoing changes in the delivery and financing of health care, these findings, which are based on data that are now a few years old, must be continually updated.(1) For example, health care costs continue to rise, with national health expenditures equaling 13.9 percent of gross domestic product in 1993 (Employee Benefit Research Institute, 1995). In part as a response to these escalating costs, there has been a dramatic shift away from traditional health plans and into managed care plans, such as HMOs and PPOs. These changes in the delivery and financing of health care may have profound effects on the prevalence and type of health insurance coverage within different subgroups of the population. The specific provisions of health insurance plans vary widely, offering different levels of protection from the financial risks associated with health problems and varying degrees of choice in the selection of physicians. For example, plans differ in the level of deductibles and copayments that they require of participants. The types of medical procedures and services that are covered also vary across plans. As a result, when analyzing health benefits, it is important to look beyond whether or not an individual has any health insurance coverage and consider the degree of protection which the plan provides in the event of serious illness. A major focus of this research is an analysis of the characteristics of different health plans. ]
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