高顿项目

国内财会

国际财会

金融证书

公务员

考研

考研

继续教育

继续教育

在职硕博

学历学位

国企求职

军队文职

军队文职

职业提升

语言培训

出国留学

海外留学

报考指南

报考查询

招生简章

分数线

考试日历

资料中心

备考经验

择校择专

院校排名

全部

2004年度11月份SOA北美精算师历届真题Course8M（第3节）

来源：高顿网校 2014-08-08

　　2004年度11月份SOA北美精算师历届真题Course8M（第3节），北美精算师考试并不是想象中的那么攻不可破哦，那为什么也有很多前辈考出来了？
　　13. (5 points) You are the CFO of a start-up insurance company. You are in the process of

　　determining your minimum required surplus and designing a system for measuring

　　capital, profit, and growth.

　　(a) Describe the insurance risks that should be considered when setting minimum

　　surplus requirements.

　　(b) Discuss the necessary considerations when designing a system for measuring

　　capital, profit, and growth.

　　COURSE 8: Fall 2004 - 10 - GO TO NEXT PAGE

　　Managed Care Segment

　　Afternoon Session

　　14. (5 points) Paul and Leslie, who are both in their 30’s, were recently married and are

　　meeting with an agent to discuss their financial plans.

　　Paul works on contract as a motivational speaker and has no employee benefits. He earns

　　$50,000 a year. Leslie works for a financial institution which has a flexible benefits plan

　　including STD and LTD. Leslie earns a base salary of $50,000 per year and earned a

　　bonus of $5,000 last year.

　　Paul is considering the following disability plan:

　　Type: Individual Disability Income

　　Waiting Period: 30 days

　　Definition of Disability: Own occupation to 65

　　Benefit Amount: $2500 per month

　　Benefit Term: 5 years

　　Leslie is currently enrolled in the following option in the flex plan:

　　Type: LTD STD

　　Elimination Period: 4 months

　　Definition of Disability: 2 Year Own Occupation,

　　then Any Occupation to 65

　　Benefit Amount: 60% of salary 100% of salary for 2

　　months, 75% of salary

　　thereafter

　　Funded: 100% Employee paid

　　Indexing: 3% per annum on disability

　　anniversary

　　(a) Compare and contrast the underwriting criteria used for individual and group

　　disability policies.

　　(b) Describe how these criteria would apply specifically to Paul and Leslie.

　　cashflow if they were both injured in a car accident and were unable to work for 5

　　years. Show your work.

　　COURSE 8: Fall 2004 - 11 - GO TO NEXT PAGE

　　Managed Care Segment

　　Afternoon Session

　　15. (6 points) You are a consulting actuary for the Health Insurance Company of

　　Unaffiliated Providers (HICUP). The Chief Actuary of HICUP is considering entry into

　　the Medicare Plus Choice (M+C) market in their area and approached you for advice.

　　They want to offer M+C coverage in Golden Years County where over 70% of residents

　　are of retirement age. There are already two other companies offering M+C policies in

　　this area. Since HICUP does not have experience in the M+C market, you have been

　　asked to prepare a report to discuss requirements of entry into this market. You have

　　explained that Medicare Plus Choice is now known as Medicare Advantage and HCFA is

　　now known as CMS. Although there will be further changes in the program, you have

　　based your initial report on the 2004 rules.

　　(a) Outline and provide details of specific rules required by legislation to enter into a

　　M+C contract and decisions HICUP will need to make at entry.

　　(b) Contrast other product options available to HICUP for the senior population and

　　their advantages and disadvantages.

　　details for the Chief Actuary to make a presentation to HICUP’s Board.

　　16. (5 points) You are a consulting actuary to ABC HMO. The CEO has asked you to

　　provide a report on changes in approaches to addressing behavioral health benefits

　　provided by managed care plans.

　　(a) Discuss emerging strategic approaches to managing behavioral health benefits.

　　(b) Outline strategies MCOs are using to improve clinical outcomes.

　　strategies.

　　(d) Discuss considerations you would make to determine whether a capitated

　　arrangement to a behavioral health specialty group is appropriate for their

　　business.

　　COURSE 8: Fall 2004 - 12 - GO TO NEXT PAGE

　　Managed Care Segment

　　Afternoon Session

　　Questions 17 – 19 pertain to the Case Study

　　17. (5 points) The PCPs of IPA 3 are considering joining IPA 1.

　　(a) Discuss reimbursement structures for PCPs and advantages and disadvantages of

　　each from the PCP’s perspective.

　　(b) Discuss advantages and disadvantages for IPA 3 PCPs in joining IPA 1 and

　　recommend actions IPA3 PCPs could take to address the disadvantages.

　　the potential shift of IPA 3 PCPs to IPA 1.

　　COURSE 8: Fall 2004 - 13 - GO TO NEXT PAGE

　　Managed Care Segment

　　Afternoon Session

　　Questions 17 – 19 pertain to the Case Study
　　在你不害怕的时间去斗牛，这不算什么；在你害怕时不去斗牛，也没有什么了不起；只有在你害怕时还去斗牛才是真正了不起。——高顿网校考试箴言

版权声明：本条内容自发布之日起，有效期为一个月。凡本网站注明“来源高顿教育”或“来源高顿网校”或“来源高顿”的所有作品，均为本网站合法拥有版权的作品，未经本网站授权，任何媒体、网站、个人不得转载、链接、转帖或以其他方式使用。经本网站合法授权的，应在授权范围内使用，且使用时必须注明“来源高顿教育”或“来源高顿网校”或“来源高顿”，并不得对作品中出现的“高顿”字样进行删减、替换等。违反上述声明者，本网站将依法追究其法律责任。本网站的部分资料转载自互联网，均尽力标明作者和出处。本网站转载的目的在于传递更多信息，并不意味着赞同其观点或证实其描述，本网站不对其真实性负责。如您认为本网站刊载作品涉及版权等问题，请与本网站联系(邮箱fawu@gaodun.com，电话：021-31587497)，本网站核实确认后会尽快予以处理。

展开全文咨询在线

严选名师全流程服务

其他人还搜了热门推荐