title: Controlling characteristics of group insureds: risk rating.
abstract: Employers seek to manage risk in their group health and life insurance plans through wellness programs and certain hiring practices. In both cases, the Americans with Disabilities Act may ultimately affect the use of these forms of risk rating on the grounds that they are discriminatory.
authors.forename: F S
authors.initials: FS
authors.lastname: Lilly
authors.forename: C C
authors.initials: CC
authors.lastname: Lilly
mesh_terms: D001521:Behavior Therapy; D002961:Civil Rights / Q000331:legislation & jurisprudence; D006233:Persons with Disabilities / Q000331:legislation & jurisprudence; D017049:Employer Health Costs; D006264:Health Benefit Plans, Employee / Q000191:economics*; D006293:Health Promotion / Q000191:economics; D006305:Health Status Indicators; D006801:Humans; D008019:Life Style; D010560:Personnel Selection / Q000331:legislation & jurisprudence; D011907:Rate Setting and Review / Q000379:methods*; D014481:United States