60. If an employee in poor health is part of a large group that is acceptable for group life insurance, that employee is
Answer: C
Employees in poor health are eligible for the same type of coverage as other employees.
In a group life insurance plan, all members, regardless of individual health status, are typically provided with the same coverage options. This ensures that employees in poor health are not discriminated against and can still benefit from the insurance provided to the group.
A) ineligible for coverage under the plan
This option is incorrect because group life insurance plans are designed to include all eligible employees, regardless of their health status. Excluding an employee solely based on health would contradict the principles of group insurance, which aims to spread risk across a larger pool.
B) eligible for coverage, but on a rated basis
This choice is also incorrect as it suggests that the employee would receive a different level of coverage based on their health. In group life insurance, typically, all employees, including those in poor health, are provided coverage without individual underwriting, making this option not applicable.
C) eligible for the same type of coverage as other employees
This is the correct answer. Group life insurance policies are structured to ensure that all members, including those in poor health, receive the same type of coverage without discrimination. This practice promotes equity among employees in the group.
D) eligible for coverage more limited than that of other employees
This option is incorrect because it implies that the employee's poor health would result in lesser coverage compared to their peers. In group life insurance, all employees are typically afforded the same coverage levels, thereby preventing any health-related limitations.
Conclusion
The correct answer is that employees in poor health are eligible for the same type of coverage as other employees, reflecting the inclusive nature of group life insurance policies. All other options fail to recognize the principle of equal coverage in group insurance, which is designed to protect all members, regardless of individual health conditions.