Which of the following best captures the breadth of benefits group plans can cover?

• A. Life insurance
• B. Health care and dental care
• C. Disability
• D. All of the above

Answer: (D)

Group plans provide a package of benefits across multiple coverage types, not just a single risk. They’re designed to pool risk for a group and typically include several lines of protection in one plan. Life insurance offers a death benefit, health care and dental care cover medical and dental expenses, and disability benefits replace income if a person can’t work. Because a comprehensive group plan can include all of these, the option that encompasses life, health/dental, and disability best captures the breadth of what group plans can cover. Focusing on only one category would miss the other types of coverage that are commonly part of group plans.