In the Jonas disability scenario, what percentage of the premium is paid by Jonas?

• A. 50%
• B. 25%
• C. 75%
• D. 0%

Answer: (C)

Premium sharing in disability coverage depends on how the plan is funded. In the Jonas disability scenario, the plan is set up so that Jonas bears the larger share of the cost, contributing three-quarters of the premium while the employer covers the remaining quarter. This kind of contributory arrangement is common when employees take on most of the payment in exchange for the benefit. So, Jonas pays 75% of the premium. If the employer paid all of it, the amount would be 0%; if it were split evenly, it would be around 50%; and if Jonas paid only a quarter, the employer would cover 75%, which isn’t the case here.