Which document lists benefits and rates for a group plan, often provided to participants?

• A. Certificate
• B. Declarations page
• C. Endorsement
• D. Rider

Answer: (A)

In group plans, the document given to participants that shows what benefits are covered and how much it costs is the certificate of insurance. The master policy sits with the employer, and the certificate translates those terms into an individual, participant-facing form. It confirms that the person is insured under the group plan and details the benefits, limits, eligibility, and any cost sharing or rates the participant must pay. This is why it’s the most appropriate document to list both benefits and rates for the group plan.

The declarations page, endorsements, and riders serve other roles: the declarations page is part of the policy’s contract details, endorsements modify coverage, and riders add or change benefits. They aren’t the standard participant-facing summary of current benefits and costs.