Standard features included in most life insurance plans are all ...

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Standard features included in most life insurance plans are all but which one of the following?
 
  (a) inclusion of all employees regardless of health or physical condition
  (b) the right of an employee to convert to an individual life insurance policy without a physical examination upon leaving the business
  (c) insuring the employee and his/her dependents for 30 days after separation
  (d) discontinuation of coverage for retired employees

Question 2

Severance pay is
 
  (a) money received when transferred from one job to another
  (b) compensation paid to hourly workers placed into new jobs
  (c) a compensation payment made beyond the normal base pay when an individual leaves the organization
  (d) the amount of money paid at the end of a defined work period to an employee

[leeeep]

Answer to Question 1

d

Answer to Question 2

c