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
　　provideareport*sinapproachestoaddressingbehavioralhealthbenefits
　　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