question

Scheduled benefits are generally A)lower than reasonable and customary allowances B)higher than reasonable and customary allowances C)paid in addition to reasonable and customary allowances D)the same as reasonable and customary allowances

answer

lower than reasonable and customary allowances

question

Which of the following is NOT a common exclusion or limitation of dental policies? A)Oral hygiene instructions and plaque control programs are often limited or excluded. B)Prosthetic appliances generally may not be replaced for 5 years after a benefit is paid. C)Teeth that are knocked out in an accident will generally not be replaced under a dental policy. D)Benefits are generally not payable for dental work that is not necessary for sound dental health.

answer

Teeth that are knocked out in an accident will generally not be replaced under a dental policy

question

The ability of an individual to wait until covered by dental insurance before seeking treatment for dental issues is an example of A)adverse insurance B)improper selection C)improper insurance D)adverse selection

answer

adverse selection

question

Prepaid dental plans offer services based on A)captive member selection B)capitulation C)concentration D)capitation

answer

capitation

question

Sin Lan has a hospital income policy that will pay $1,500 per month for up to 12 months. There is no elimination period. If Sin Lan is hospitalized, to whom will the insurer make payments? A)Sin Lan B)The beneficiary C)The hospital D)The doctor

answer

Sin Lan

question

Sin Lan has a hospital income policy that will pay $1,500 per month for up to 12 months. There is no elimination period. If Sin Lan is hospitalized for 10 days, how much will the policy pay? A)$1,000 B)$500 C)$1,500 D)$50

answer

$500

question

Which of the following drugs may be excluded from a prescription drug policy? A)All of these B)Fertility drugs C)Rogaine D)Ginseng

answer

All of these

question

A special type of policy tends to cover A)a broad number of situations as described in the policy itself B)a limited number of situations as described in the policy itself C)more areas than basic medical expense D)whatever the insured wants to be covered

answer

a limited number of situations as described in the policy itself

question

Comprehensive dental policies A)never require deductibles B)limit benefits to specified maximums per procedure C)seldom require coinsurance D)work in much the same way as comprehensive medical expense coverage

answer

work in much the same way as comprehensive medical expense coverage

question

Which of the following is NOT likely to be considered nonroutine dental care? A)Annual checkups and cleaning of teeth, including x-rays to check the health of the teeth B)Treatment of the soft tissue substance located in the center of each tooth C)Microscopic analysis of tissue biopsy material for diagnosis of oral diseases including oral cancer D)Repairing or restoring dental work that has been damaged in some way

answer

Annual checkups and cleaning of teeth, including x-rays to check the health of the teeth

question

For nonroutine treatments, a comprehensive dental policy generally pays A)nothing B)a percentage of the reasonable and customary charges after a deductible C)a percentage of the reasonable and customary charges from the first dollar D)the full amount

answer

a percentage of the reasonable and customary charges after a deductible

question

Which of the following is NOT a common way dental insurance programs work to minimize adverse selection? A)Graduating the coinsurance percentage to increase each plan year B)Increasing the maximum annual benefit to encourage the insured to maintain dental health for the long term C)Lowering the coinsurance percentage for optional expenses D)Basing the benefit on the least costly treatment option

answer

Increasing the maximum annual benefit to encourage the insured to maintain dental health for the long term

question

What is the main difference between a prepaid dental plan and a comprehensive dental plan? A)Comprehensive dental plans pay on the basis of reasonable and customary charges, whereas prepaid dental plans pay on a capitation basis. B)Comprehensive dental plans do not cover routine services that are covered by prepaid dental plans. C)Comprehensive dental plans cover routine services, whereas prepaid dental plans do not. D)Comprehensive dental plans pay on a capitation basis, whereas prepaid dental plans pay based on reasonable and customary charges.

answer

Comprehensive dental plans pay on the basis of reasonable and customary charges, whereas prepaid dental plans pay on a capitation basis.

question

A prepaid dental plan that wants to restrict an enrollee's ability to receive services from a class of providers A)must request permission from the federal Department of Insurance for the limitations B)is out of luck because such limitations are prohibited by law C)must request permission from the Insurance Commissioner for the limitations D)must describe the limitations in the evidence of coverage and in all solicitation documents

answer

must describe the limitations in the evidence of coverage and in all solicitation documents documents

question

Dread disease policies A)are a good replacement for general health insurance B)cover specific diseases as named in the policy, such as heart disease or cancer C)cover any disease defined by the ADA as a dread disease D)are purchased to cover a variety of conditions that fall under the category of dread diseases

answer

cover specific diseases as named in the policy, such as heart disease or cancer

question

Benefits of travel accident insurance are limited to A)losses caused while in transit, generally in personal vehicles such as cars or vans B)accident losses caused while outside of the state of residence C)accident or illness losses caused while outside of the state of residence D)losses caused by accidents while traveling, usually by common carriers such as airlines or bus lines

answer

losses caused by accidents while traveling, usually by common carriers such as airlines or bus lines

question

Hospital indemnity insurance pays A)supplemental costs, such as television or phone charges, while the insured is confined to the hospital B)an income for each month the insured spends partially confined to the hospital C)medical costs only while the insured is confined to the hospital D)an income for each day the insured is confined to the hospital

answer

an income for each day the insured is confined to the hospital

question

Vision care insurance is generally needed to cover all of the following EXCEPT A)eye examinations B)costs of contact lenses C)costs of prescription lenses D)injury to the eye

answer

injury to the eye

question

Prescription drug policies generally exclude A)experimental drugs B)any narcotic substance C)any drugs not covered by other programs D)drugs for ongoing medical conditions

answer

experimental drugs

question

Credit health insurance covers A)a debtor B)neither a creditor nor a debtor C)either a creditor or a debtor D)a creditor

answer

a debtor

question

The amount of coverage available under a credit insurance policy is generally limited to A)the amount the policy is written for B)the total amount of the loan covered C)the total amount of indebtedness at any given point D)the amount of the debt plus the cost of the premium

answer

the total amount of indebtedness at any given point

question

The creditor must notify the debtor that she may be covered by the group insurance plan A)if the debtor is to be charged more than half the premium amount B)even if the creditor pays the full cost of the coverage C)only if the creditor chooses to make the disclosure D)only if the debtor is to be charged the full premium for the insurance

answer

even if the creditor pays the full cost of the coverage

question

The conversion privilege allows the insured to continue group coverage without A) providing proof of termination of employment B) paying individual premiums C) filling out an application D) providing evidence of insurability

answer

providing evidence of insurability

question

All of the following could be considered dependents except the insured's A) 25-year-old child who became physically disabled at 24 B) adopted children C) parents D) 21-year-old child who is attending college full time

answer

25-year-old child who became physically disabled at 24

question

The coordination of benefits provision provides that when a person is covered under more than one plan, the total benefits cannot exceed A) the greater of the benefits provided B) the lesser of the benefits provided C) the total medical expenses or loss of wages D) both of the benefits combined

answer

the total medical expenses or loss of wages

question

An individual is NOT eligible for the group insurance policy conversion privilege if A) the insured's dependent child reaches the age specified in the policy as the age of terminating dependent coverage B) the insured's employment is terminated C) the insured fails to make the conversion within 31 days D) the insured becomes ineligible for coverage because the insured's class is no longer eligible for coverage

answer

the insured fails to make the conversion within 31 days

question

Which of the following is NOT part of the qualification process for legal dependency? A) Relationship to the insured B) Eligibility for insurance C) Residency in the home D) Listing on the insured's tax return as a dependent

answer

Eligibility for insurance

question

When both parents have employer-provided group coverage, the children are covered under A) the plan of the parent whose birthday falls closest to the start of the calendar year B) the plan of the parent whose birthday falls closest to the child's birthday C) the mother's plan D) the father's plan

answer

the plan of the parent whose birthday falls closest to the start of the calendar year

question

Under the coordination of benefits rule, the primary company pays A) whatever the other coverage does not pay, up to the policy limits B) as if there were no other coverage C) only if the other coverage refuses the claim D) if there is no other coverage

answer

as if there were no other coverage

question

Under the coordination of benefits rule, the secondary company pays A) whatever the other coverage does not pay, up to the policy limits B) if there is no other coverage C) only if the other coverage refuses the claim D) as if there were no other coverage

answer

whatever the other coverage does not pay, up to the policy limits

question

Carla enrolls in group insurance when she is eligible under her employer's plan. Because of an administrative error, her enrollment form is never sent to the company. When she later has a claim, the insurer will A) deny the claim because it has no record of her policy B) force the employer to pay the claim because it was the employer's error C) pay the claim only if the insurer is proven to have made an error D) accept the enrollment form and all of the past due premium and pay the medical claim

answer

accept the enrollment form and all of the past due premium and pay the medical claim

question

Which federal law requires employers with more than 20 employees to include in their group insurance plan a continuation of benefits provision for all eligible employees? A) ERISA B) TEFRA C) OBRA D) COBRA

answer

COBRA

question

Which federal law is intended to prevent group term life plans from discriminating in favor of key employees? A) ERISA B) OBRA C) TEFRA D) COBRA

answer

TEFRA

question

Which federal law extends the minimum continuation of coverage period from 18 to 29 months for qualified beneficiaries disabled at the time of termination or reduction in hours? A) TEFRA B) OBRA C) ERISA D) COBRA

answer

OBRA

question

Which federal law is intended to accomplish pension equity but also protects group insurance plan participants? A) TEFRA B) ERISA C) OBRA D) COBRA

answer

ERISA

question

Which of the following provisions is NOT a part of HIPAA? A) Annual limits and lifetime spending limits may be applied to mental health coverage. B) Employers must make full health care coverage available immediately to newly hired employees who were previously covered for at least 18 months. C) Small employers may not be denied group health insurance coverage because one or more employees is in poor health. D) New mothers and their babies must be allowed to stay in the hospital for at least 48 hours after a regular delivery.

answer

Annual limits and lifetime spending limits may be applied to mental health coverage.

question

Which of the following is considered a disqualifying event under COBRA? A) The employee's employment is terminated by the employer. B) The employee voluntarily leaves employment with the employer. C) The employee is no longer eligible for the group health plan because of a change in the covered classes. D) The employer ceases to maintain any group health plan.

answer

The employer ceases to maintain any group health plan.

question

Under OBRA, an employer may terminate COBRA coverage because of coverage under another health plan A) as long as the other health plan limits benefits for the insured's preexisting conditions B) as soon as the coverage is in force C) as long as the other health plan does not limit benefits for the insured's preexisting conditions D) only if the premiums for the new plan are paid entirely by the insured's new employer

answer

as long as the other health plan does not limit benefits for the insured's preexisting conditions

question

The Age Discrimination in Employment Act applies to employees age A) 45 or older B) 50 or older C) 40 or older D) 55 or older

answer

40 or older

question

The Americans with Disabilities Act A) applies to all employers with 25 or more employees B) permits exclusion of benefits for individual distinct groups of afflictions, such as cancer, muscular dystrophy, or kidney disease C) requires that employees with disabilities be given equal access to whatever health insurance is provided to other employees D) does not apply to acquired diseases such as AIDS

answer

requires that employees with disabilities be given equal access to whatever health insurance is provided to other employees

question

Which of the following individuals is least likely to be eligible for Medicare? A) Genevieve, who has been receiving benefits from Social Security for 3 years B) Margaret, who is not eligible for Social Security, but is willing to pay a fee for her insurance C) Karl, who has been diagnosed with end-stage liver disease D) Mannie, who is 65 and just registered for his Social Security benefits

answer

Karl, who has been diagnosed with end-stage liver disease

question

Under Medicare Part B, individuals pay a deductible each A) week B) benefit period C) year D) month

answer

year

question

After the deductible is satisfied, Part B pays what percentage of all approved charges? A) 100% B) 10% C) 80% D) 20%

answer

80%

question

Doctors and suppliers who agree to accept the amount Medicare will pay are said to have agreed to A) assessment B) payment C) capitation D) assignment

answer

assignment

question

All of the following outpatient services are covered under Part B EXCEPT A) most immunizations B) emergency room services C) artificial limbs D) physical therapy

answer

most immunizations

question

Which of the following outpatient services is excluded from Part B coverage? A) Hearing exams B) Laboratory tests billed by hospitals C) Casts and splints D) Medically necessary ambulance services

answer

Hearing exams

question

The Original Medicare Plan consists of A) Medicare Parts C and D B) Medicare Parts A and B C) Medicare Part B D) Medicare Part A

answer

Medicare Parts A and B

question

Michelle is 65 and starting to receive Social Security benefits. To receive Medicare Part A, she needs to A) pay a monthly premium B) prove eligibility C) do nothing D) fill out an enrollment form at her local Social Security office

answer

do nothing

question

The annual general enrollment period for Medicare Part B begins on A) January 1 B) March 31 C) March 1 D) July 1

answer

January 1

question

Does Medicare pay all medical costs for its beneficiaries? A) Yes B) No

answer

No

question

Some kind of supplement to Medicare is needed by almost everyone covered by Medicare. Which of the following individuals would NOT need Medicare supplement insurance? A) Carl, whose net worth is high enough to cover any medical bills that might incur B) Larry, who has high blood pressure that is controlled with medication C) Ken, whose income is low enough to qualify him for help from Medicaid D) George, whose medical conditions are currently under control

answer

Ken, whose income is low enough to qualify him for help from Medicaid

question

Medicare SELECT policies offer _______________ coverage, compared with standard Medigap policies. A) less extensive B) the same C) more extensive D) unlimited

answer

the same

question

Which type of policy requires use of approved doctors and hospitals to receive benefits? A) Both B) Standard Medigap policies C) Medicare SELECT D) Neither

answer

Medicare SELECT

question

Medicare supplement policies are also known as A) Medigap policies B) Medicaid policies C) Medicare policies D) Medichoice policies

answer

Medigap policies

question

All of the following statements about Medigap insurance are correct EXCEPT A) Medigap Plan A covers basic benefits B) Medigap policies are sold by private insurance companies C) Medigap policies are available through Medicare D) Medigap policies were standardized by the NAIC

answer

Medigap policies are available through Medicare

question

Which of the following benefits are NOT required in any Medicare supplement policy? A) All charges for 365 days of hospitalization after all Part A inpatient hospital and lifetime reserve days are used up B) Part A co-payments for the 61st through the 90th day of hospitalization C) Part B co-payments on Medicare-approved charges for physician's and medical services D) Skilled nursing care benefit that covers the Part A co-payments for the 21st through the 100th day of skilled nursing facility care

answer

Skilled nursing care benefit that covers the Part A co-payments for the 21st through the 100th day of skilled nursing facility care

question

Which of the following individuals is NOT likely to be eligible for Medicaid? A) Carmen, who has not been able to work since losing both legs in an accident B) Ginny, who is over 65 and working as a manager of a retail outlet C) Darrell, who has been unable to work since becoming blind 2 years ago D) Pam, a single mom who relies on Aid to Families with Dependent Children to help feed her family

answer

Ginny, who is over 65 and working as a manager of a retail outlet

question

Fully insured and disability insured are defined by A) Social Security regulations B) state departments of insurance C) individual insurers D) state legislatures

answer

Social Security regulations

question

Under Social Security benefits, disabled workers receive a benefit equal to A) their preferred insurance amount B) their primary insurance amount C) their earnings at the time of the disability D) 66% of their earnings at the time of the disability

answer

their primary insurance amount

question

Carla is 67 and eligible for Social Security and Medicare. When she comes out of retirement to work at a large corporation that provides health benefits A) her Medicare benefits become secondary to her private benefits B) the employer is not required to offer her private benefits C) she will cease to be eligible for Medicare benefits D) her private benefits become secondary to Medicare benefits

answer

her Medicare benefits become secondary to her private benefits

question

Medicare is administered by A) individual state governments B) the Centers for Medicare and Medicaid Services (CMS) C) the Social Security Administration D) the Health Care Focus Association

answer

the Centers for Medicare and Medicaid Services (CMS)

question

Medicare Part A covers all of the following EXCEPT A) skilled nursing facility care B) home health care C) charges for a private room D) hospice care

answer

charges for a private room

question

For each benefit period, Medicare will pay the full cost of up to how many days of hospital care? A) 30 B) 90 C) 365 D) 60

answer

60

question

Medicare will pay the entire cost for skilled nursing facility care for the first A) 80 days B)0 days C) 100 days D) 20 days

answer

20 days

question

Individuals who are eligible for Social Security benefits become eligible for Medicare Part A benefits as of A) the day they become eligible for Social Security benefits B) the first day of the month in which they become eligible for Social Security benefits C) the day they turn 65 D) the first day of the month in which they turn 65

answer

the first day of the month in which they turn 65

question

Medicare Part A provides coverage for all of the following kinds of care EXCEPT A) hospice care B) skilled nursing facility care C) home health care D) private-duty nursing

answer

private-duty nursing

question

Medicare Part B provides coverage for all of the following kinds of care EXCEPT A) doctors' services B) outpatient medical services and supplies C) home health care not covered by Part A D) skilled nursing facility care not covered by Part A

answer

skilled nursing facility care not covered by Part A

question

Which of the following Medicare supplement plans covers the Part A and Part B deductible? A) Plan E B) Plan C C) Plan D D) Plan B

answer

Plan C

question

Which of the following Medicare supplement plans covers the Part B excess at 80%? A) Plan B B) Plan H C) Plan E D) Plan G

answer

Plan G

question

Which of the following statements about Medicare supplement plans is NOT true? A) Losses resulting from sickness may not be treated differently than losses resulting from accidents. B) Benefits must automatically change to coincide with changes in Medicare deductibles and co-payments. C) Policies must be at least guaranteed renewable. D) The definition of accident may employ an accidental means test.

answer

The definition of accident may employ an accidental means test.

question

To be compensable as interpreted in workers' compensation law, an injury must meet all of the following criteria EXCEPT A) it must arise in the course of the individual's employment B) it must be accidental C) it must arise out of the individual's employment D) it must be unforeseeable

answer

it must be unforeseeable

question

Juanita is employed in California. She takes a business trip to Colorado to demonstrate some techniques to workers in another facility and is injured in the process. Her workers' compensation benefits will be paid according to the laws of A) whichever state would provide the greater benefit B) Colorado C) California D) Whichever state would provide the lesser benefit

answer

California

question

Carla is age 32. How many quarters of coverage does she need to be fully insured? A) 6 B) 8 C) 12 D) 10

answer

10

question

Social Security benefits are expressed as a percentage of A) the presiding insurance amount B) the primary insurance amount C) the potential insurance amount D) the preferred insurance amount

answer

the primary insurance amount

question

Disability benefits under Social Security require at least A) a 12-month waiting period B) a 3-month waiting period C) a 5-month waiting period D) a 7-month waiting period

answer

a 5-month waiting period

question

Nursing home care is generally covered by A) long-term care policies B) Medicare C) Medicare supplements D) all of these

answer

long-term care policies

question

Which of the following would be least likely to be a good candidate for an LTC policy? A) Darrell, whose inherited estate has provided him with over $6 million in net worth B) Carla, whose 25 years of civil service have provided a generous retirement, but who worries about the legacy she will leave her children C) Nina, a single mother whose financial struggles raising her children have left her with few assets and no independent retirement savings D) George, whose law practice has allowed him to fund a generous retirement fund for himself and his wife

answer

Nina, a single mother whose financial struggles raising her children have left her with few assets and no independent retirement savings

question

Early long-term care policies were A) prohibited by law B) the same as current policies C) less restrictive than current policies D) more restrictive than current policies

answer

more restrictive than current policies

question

Which of the following individuals is most likely to be rated a substandard risk under an LTC policy? A) Gerald, who lives alone and has no trouble taking care of himself, but who has been diagnosed with an inoperable brain aneurysm that, if it bursts, would almost certainly kill him immediately B) Garrison, who has been diagnosed with earlystage Alzheimer's disease C) Ken, who is on medication to bring down his blood pressure, but who gets around and takes care of himself easily D) Brenda, whose diabetes is under control

answer

Garrison, who has been diagnosed with earlystage Alzheimer's disease

question

Which of the following is the type of care most people will require at some time during their later years? A) Skilled nursing care B) Inpatient hospital care C) Custodial or residential care D) Intermediate care

answer

Custodial or residential care

question

Virtually all of the current LTC policies are guaranteed renewable. This means the insurer cannot cancel the policy A) or increase policy premiums on individual policies B) or increase policy premiums on specified classes of policies C) but does reserve the right to increase policy premiums on specified classes of policies D) but does reserve the right to increase policy premiums on individual policies

answer

but does reserve the right to increase policy premiums on specified classes of policies

question

When waiver of premium applies A) the premium payment generally resumes when the insured is no longer disabled B) the premium is waived immediately upon disability C) the premium payment is waived only if disability is considered permanent and total D) the premium payment is suspended permanently once it is invoked

answer

the premium payment generally resumes when the insured is no longer disabled

question

Typically, the expenses incurred in a hospice will be A) room and board and physical therapy B) surgical and room and board C) room and board and medication for pain D) surgical and physical therapy

answer

room and board and medication for pain

question

The elimination period may be thought of as A) a dollar amount co-payment B) a dollar amount deductible C) a time deductible D) a time co-payment

answer

a time deductible

question

Which of the following is NOT considered an activity of daily living? A) Transferring B) Bathing C) Working D) Dressing

answer

Working

question

As an individual ages, their chance of being confined to a nursing home A) is irrelevant because Medicare provides coverage for long-term care B) decreases C) increases D) remains about the same

answer

increases

question

Wanda's company pays the entire premium for her group disability coverage. If Wanda became disabled, how much of her benefits from this coverage would be subject to tax? A) None B) It depends on her tax bracket C) Half D) All

answer

All

question

If Wanda paid 50% of premiums, what percentage of her benefits would be tax free? A) 100% B) It depends on her tax bracket C) 50% D) 0%

answer

50%

question

If Wanda paid 100% of her premiums, what percentage of her benefits would be tax free? A) 0% B) It depends on her tax bracket C) 50% D) 100%

answer

100%

question

The Delectable Doughnut Company may deduct its premiums for business overhead expense insurance A) only if it is a corporation B) premiums are not deductible C) if is a corporation, partnership, or sole proprietorship D) only if it is a partnership or a corporation

answer

if is a corporation, partnership, or sole proprietorship

question

The premiums are deductible for which of the following? A) Neither B) Disability policy to fund a buy-sell agreement C) Key employee disability policy D) Both

answer

Neither

question

Social Security disability income and medical benefits are financed through A) State government B) voluntary contributions C) Mandatory payroll taxes D) ERISA

answer

Mandatory payroll taxes

question

The taxes to finance Social Security benefits are paid A) equally by employees and employers B) solely by employees C) the federal governmnet D) solely by employers

answer

equally by employees and employers

question

Medicare Part A hospital insurance is primarily funded by A) state government taxes B) premiums from beneficiaries C) general tax revenue D) Social Security payroll taxes

answer

Social Security payroll taxes

question

Social Security taxes are paid by employees with A) tax-deductible dollars B) pretax dollars C) tax-deferred dollars D) after-tax dollars

answer

after-tax dollars

question

Premiums for individually owned health policies may be deductible if the taxpayer's medical expenses exceed A) 5% of their adjusted gross income during the taxable year B) 5% of their adjusted net income during the taxable year C) 10% of their adjusted gross income during the taxable year D) 10% of their adjusted net income during the taxable year

answer

10% of their adjusted gross income during the taxable year

question

The premiums paid by a company for group health for its employees are A) not tax deductible to either the company or the business B) tax deductible by the company and considered taxable income to the employees C) tax deductible to the employees and the company D) tax deductible by the company and not considered taxable income to the employees

answer

tax deductible by the company and not considered taxable income to the employees

question

Benefits paid by individually owned accident, health, disability, or long-term care policies generally are A) received income-tax free by the taxpayer, provided benefits do not exceed actual expenses B) received partially tax free by the taxpayer, provided benefits do not exceed actual expenses C) received income-tax free by the taxpayer, even if benefits exceed actual expenses D) taxed upon receipt by the taxpayer

answer

received income-tax free by the taxpayer, provided benefits do not exceed actual expenses

question

Qualified group long-term care coverage is A) deductible by the employee but not the company B) deductible by neither the company or the employee C) deductible by the company but not the employee D) deductible by both the company and the employee

answer

deductible by the company but not the employee

question

Individual disability insurance premiums are A) not deductible to the insured, and the benefits are taxed B) not deductible to the insured, but the benefits are received tax free C) deductible to the insured, and the benefits are received tax free D) deductible to the insured, but the benefits are taxed

answer

not deductible to the insured, but the benefits are received tax free

question

An individual who is considered chronically ill must be recertified as such A) every 2 years B) every 6 months C) every month D) annually

answer

annually

question

Social Security taxes are often shared between the employer and employee. What do self-employed people pay? A) Just the employee's portion of the tax B) Both the employer's portion and the employee's portion of the tax C) Just the employer's portion of the tax D) Neither the employer's portion nor the employee's portion of the tax

answer

Both the employer's portion and the employee's portion of the tax

question

Shane is a master carpenter in business for himself. His business is probably operated as A) a sole proprietorship B) a limited liability company C) a corporation D) a partnership

answer

a sole proprietorship

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