It is common for wages and benefits to be higher in unionized firms

The concept of "human resource management" implies that employees:

A. are interchangeable. B. are easily replaceable. C. are a necessary expense to process work demands. D. are resources who add economic value to the organization. E. are secondary to all elements of economic capital like cash and technology.

Debbie is concerned that her health insurance coverage is inadequate. Which of the following is the best reason for her to purchase an indemnity-type medical expense policy?

A) It will pay the difference between what her other insurance covers and her actual expenses. B) It will pay all or part of her deductible. C) It will pay a specified per-day benefit. D) It will pay a percentage of her coinsurance.