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SOA真题第三部分November2004Course8M——北美精算师考试

来源：高顿网校 2014-07-21

　　今天高顿网校小编汇编了SOA真题第三部分November2004Course8M——北美精算师考试，供大家参考使用。
　　13.(5points)YouaretheCFOofastart-upinsurancecompany.Youareintheprocessof

　　determiningyourminimumrequiredsurplusanddesigningasystemformeasuring

　　capital,profit,andgrowth.

　　(a)Describetheinsurancerisksthatshouldbeconsideredwhensettingminimum

　　surplusrequirements.

　　(b)Discussthenecessaryconsiderationswhendesigningasystemformeasuring

　　capital,profit,andgrowth.

　　(c)Discussandillustratewithformulashowcapital,profit,andgrowthinter-relate.

　　COURSE8:Fall2004-10-GOTONEXTPAGE

　　ManagedCareSegment

　　AfternoonSession

　　14.(5points)PaulandLeslie,whoarebothintheir30’s,wererecentlymarriedandare

　　meetingwithanagenttodiscusstheirfinancialplans.

　　Paulworksoncontractasamotivationalspeakerandhasnoemployeebenefits.Heearns

　　$50,000ayear.Leslieworksforafinancialinstitutionwhichhasaflexiblebenefitsplan

　　includingSTDandLTD.Leslieearnsabasesalaryof$50,000peryearandearneda

　　bonusof$5,000lastyear.

　　Paulisconsideringthefollowingdisabilityplan:

　　Type:IndividualDisabilityIncome

　　WaitingPeriod:30days

　　DefinitionofDisability:Ownoccupationto65

　　BenefitAmount:$2500permonth

　　BenefitTerm:5years

　　Leslieiscurrentlyenrolledinthefollowingoptionintheflexplan:

　　Type:LTDSTD

　　EliminationPeriod:4months

　　DefinitionofDisability:2YearOwnOccupation,

　　thenAnyOccupationto65

　　BenefitAmount:60%ofsalary100%ofsalaryfor2

　　months,75%ofsalary

　　thereafter

　　Funded:100%Employeepaid

　　Indexing:3%perannumondisability

　　anniversary

　　(a)Compareandcontrasttheunderwritingcriteriausedforindividualandgroup

　　disabilitypolicies.

　　(b)DescribehowthesecriteriawouldapplyspecificallytoPaulandLeslie.

　　(c)DescribehowbenefitswouldbedeterminedandcalculatePaulandLeslie’s

　　cashflowiftheywerebothinjuredinacaraccidentandwereunabletoworkfor5

　　years.Showyourwork.

　　COURSE8:Fall2004-11-GOTONEXTPAGE

　　ManagedCareSegment

　　AfternoonSession

　　15.(6points)YouareaconsultingactuaryfortheHealthInsuranceCompanyof

　　UnaffiliatedProviders(HICUP).TheChiefActuaryofHICUPisconsideringentryinto

　　theMedicarePlusChoice(M+C)marketintheirareaandapproachedyouforadvice.

　　TheywanttoofferM+CcoverageinGoldenYearsCountywhereover70%ofresidents

　　areofretirementage.TherearealreadytwoothercompaniesofferingM+Cpoliciesin

　　thisarea.SinceHICUPdoesnothaveexperienceintheM+Cmarket,youhavebeen

　　askedtoprepareareporttodiscussrequirementsofentryintothismarket.Youhave

　　explainedthatMedicarePlusChoiceisnowknownasMedicareAdvantageandHCFAis

　　nowknownasCMS.Althoughtherewillbefurtherchangesintheprogram,youhave

　　basedyourinitialreportonthe2004rules.

　　(a)Outlineandprovidedetailsofspecificrulesrequiredbylegislationtoenterintoa

　　M+CcontractanddecisionsHICUPwillneedtomakeatentry.

　　(b)ContrastotherproductoptionsavailabletoHICUPfortheseniorpopulationand

　　theiradvantagesanddisadvantages.

　　(c)OutlinetheCMSM+Cfilingprocessandpaymentmechanismwithsufficient

　　detailsfortheChiefActuarytomakeapresentationtoHICUP’sBoard.

　　16.(5points)YouareaconsultingactuarytoABCHMO.TheCEOhasaskedyouto

　　provideareportonchangesinapproachestoaddressingbehavioralhealthbenefits

　　providedbymanagedcareplans.

　　(a)Discussemergingstrategicapproachestomanagingbehavioralhealthbenefits.

　　(b)OutlinestrategiesMCOsareusingtoimproveclinicaloutcomes.

　　(c)Describeutilizationreviewandcasemanagementtechniquesconsistentwiththese

　　strategies.

　　(d)Discussconsiderationsyouwouldmaketodeterminewhetheracapitated

　　arrangementtoabehavioralhealthspecialtygroupisappropriatefortheir

　　business.

　　COURSE8:Fall2004-12-GOTONEXTPAGE

　　ManagedCareSegment

　　AfternoonSession

　　Questions17–19pertaintotheCaseStudy

　　17.(5points)ThePCPsofIPA3areconsideringjoiningIPA1.

　　(a)DiscussreimbursementstructuresforPCPsandadvantagesanddisadvantagesof

　　eachfromthePCP’sperspective.

　　(b)DiscussadvantagesanddisadvantagesforIPA3PCPsinjoiningIPA1and

　　recommendactionsIPA3PCPscouldtaketoaddressthedisadvantages.

　　(c)DiscussadvantagesanddisadvantagesfromtheBedfordGroup’sperspectiveof

　　thepotentialshiftofIPA3PCPstoIPA1.

　　COURSE8:Fall2004-13-GOTONEXTPAGE

　　ManagedCareSegment

　　AfternoonSession

　　Questions17–19pertaintotheCaseStudy
　　高顿网校之名人哲学赠送：道德不是良心的可卑的机谋，而是斗争和艰难，激情和痛苦。 —— 托马斯·曼

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