Health Insurance, Disability Income, and Group Benefits

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About Course

Connect medical coverage, disability income, and employer benefits to the financial needs they are designed to protect. Review cost sharing, networks, authorization, prescription benefits, and health savings or reimbursement arrangements, including the 2026 HSA coverage expansion.

Apply disability definitions, proof requirements, waiting periods, benefit limits, offsets, and premium-funding tax principles. Compare individual, group, and business disability needs, then analyze group funding, coordination of benefits, special enrollment, continuation, and coverage transitions.

The self-paced course combines twelve lessons with required matching, ordering, calculation, and benefits-decision activities. Each activity must be completed correctly before progressing. A 35-question final examination supports an integrated employee-benefits review.

Continuing education credit is available only where this course holds an active approval. Check the applicable approval and credit category before enrolling for license-renewal credit.

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What Will You Learn?

  • Match medical expense, disability income, and supplemental products to distinct financial exposures.
  • Calculate stated deductibles, coinsurance, copayments, benefit limits, and out-of-pocket examples.
  • Compare networks, authorization procedures, prescription provisions, and health account arrangements.
  • Apply disability definitions, waiting periods, benefit periods, offsets, and proof requirements.
  • Distinguish individual, group, and business disability protection and the role of premium funding in benefit taxation.
  • Evaluate group eligibility, funding, plan documents, coordination, and enrollment transitions.
  • Document a supported employee-benefits recommendation, claim follow-up, and coverage-gap action plan.

Course Content

Health Coverage and Medical Cost Sharing

  • Health coverage purposes and product selection
  • Map the Household Health Exposures
  • Medical expense benefits and cost sharing
  • Calculate the Medical Claim Ledger

Networks and Consumer Health Accounts

Disability Definitions and Benefit Design

Disability Products and Claims Administration

Group Funding and Coordination of Benefits

Enrollment Transitions and Integrated Benefits Review

Final Examination

Georgia Completion Reporting Information
Required administrative reporting step. This is not a scored examination.

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