Developing a Group Insurance Plan for Employees of Cooperatives - Hardcover

French M. Hyre

9780331376432: Developing a Group Insurance Plan for Employees of Cooperatives

Hardcover

ISBN 10: 0331376431 ISBN 13: 9780331376432

Publisher: Forgotten Books, 2024

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This book is a comprehensive examination of group insurance plans for employees of cooperatives, drawing from over 40 selected case studies. It explores the historical development and legal framework of such plans, providing an in-depth analysis of their characteristics and underwriting practices. The author examines factors affecting the cost of group plans, including the average age of employees, industry hazards, and the ratio of male to female employees. The book offers guidance on determining the amount of insurance to be provided, covering methods such as equal coverage for all employees, salary-based plans, position-based plans, and length of service-based plans. Various types of coverage are discussed, including life insurance, accidental death and dismemberment insurance, group accident and health insurance, group hospital expense insurance, group surgical operation insurance, and major medical expense insurance. The author provides practical advice on selecting an underwriter, presenting the plan to employees, and ensuring employee participation and satisfaction. This book is a valuable resource for managers, directors, and employees of cooperatives seeking to implement or enhance employee group insurance plans. Its insights into the benefits, costs, and implementation strategies of such plans can help organizations provide a robust and cost-effective safety net for their workforce.

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