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This can include medical, dental, vision, and life insurance Deductions are usually taken from every paycheck to help defray the cost of the insurance, either in part or in total A company may contribute to this cost by paying for some portion or all of the insurance itself Even if employees pay the entire amount of the insurance, it is still usually less expensive than if they had obtained it themselves, since insurance companies generally quote lower prices to businesses employing a number of people The contribution made by the company to defray the cost of medical insurance is not considered income to employees Furthermore, if the company has a medical expense reimbursement plan under which employees can be reimbursed for any out-of-pocket medical expenses that they incur, these additional payments are also not considered income to employees



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The NBME has provided examinations used to license doctors since 1916 (Hubbard & Levit, 1985) Until the mid-1960s, the NBME s Certifying Examination program was the only national system of assessment for medical licensure Individual state licensing boards developed their own examinations





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In this chapter, we focused on detection of attacks from nodes that have penetrated the preventive barriers Nodes that are accepted as part of the MANET can take advantage of their acceptance in the network to launch attacks against other nodes and the network itself Typically launching such attacks involves taking abnormal actions As a result such behavior deviates from expected behavior and can be used for identifying the attackers IDS are typically used for detecting such attacks As was discussed throughout this chapter, there are still several questions that need to be researched further A systematic approach for intrusion detection in MANETs is urgently needed This would be along the lines of the approach taken in [80, 83], but which would be applicable to general scenarios It is also important to consider additional MANET characteristics that can be exploited for creating new intrusion detection techniques For example, it may be possible to exploit information from multiple layers in the stack (eg MAC, network layer) to improve detection accuracy through cross layer detection We expect that additional results in this area will be published in the next few years In this chapter we focused mostly on collecting data and then using that data for detecting attacks and the nodes that are responsible for those attacks In the next chapter we will focus on some approaches that can de ne the way to recover from the impacts of an attack

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Company announces at the company business party that all co-payments and deductibles on its medical insurance plan for the upcoming year will be paid by the company These reimbursements are not taxable income to the employees

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The most common ways to provide medical insurance are through the Health Maintenance organization (HMO), Preferred Provider Organization (PPO), and Point of Service (POS) plan The HMO arrangement requires employees to go to designated doctors who have signed up to participate in the plan The PPO option allows employees to consult with doctors outside of the group of designated doctors, but at a higher cost in terms of co-payments and deductibles The POS plan requires employees to choose a primary care doctor from within the HMO network of doctors, but they can then see doctors outside the HMO s network, as long as the primary care doctor is still the primary point of contact Given the high cost of medical insurance provided by third parties, some organizations are turning to self-insurance plans Under this approach, employee medical claims are submitted directly to the company or a third-party administrator, with the claims in either case being paid by the company Once total claims reach a certain point, a stop-loss insurance policy takes over and pays all remaining claims This stop-loss coverage prevents the company from incurring inordinate losses by providing umbrella coverage for major insurance claims This approach eliminates the profit that would otherwise be charged by a third-party medical provider, while also allowing the company to exert more control over employee claims A key drawback to this arrangement is that, if the plan s benefits are skewed in favor of highly compensated employees, the excess medical payments made on behalf of this group will be considered income to them for tax reporting purposes Excess payments are considered to be those payments paid that exceed the level of payments made to other employees in the plan In order not to be considered discriminatory, a self-insured plan should include at least 70 percent of all employees.

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