HRCI PHR Exam With Confidence Using Practice Dumps

Self-insured employers take on the financial risk for providing health care benefits, and the main advantage is that they can share in any cost savings if claims are lower than expected, rather than paying fixed premiums to insurance companies.

Official Extract:

"Self-insurance enables employers to assume direct financial responsibility for health claims, allowing them to benefit from lower-than-expected claims costs."

(Source: HRCI PHR Content Outline 2024–2025, Total Rewards Section, Health Benefits Funding Strategies)

Under USERRA, employers must continue offering health coverage at the same cost as active employees for up to 24 months during military service.

Official Extract:

"Employers must maintain health coverage for employees on military leave at the same contribution rates as if the employee had remained actively employed."

(Source: HRCI PHR Content Outline 2024–2025, Employee and Labor Relations Section, USERRA Compliance)

Central tendency error occurs when a manager rates most or all employees as "average" or "meets expectations" to avoid making extreme judgments. It distorts true performance appraisals and hinders meaningful feedback and talent development.

Official Extract:

"Central tendency is a common evaluation bias where supervisors rate all employees near the midpoint of the scale to avoid confrontation or favoritism."

(Source: HRCI PHR Content Outline 2024–2025, Learning and Development Section, Performance Appraisal Errors)