Teacher s Guide. Alignment with the Common Core State Standards for Reading Alignment with the Common Core State Standards for Writing...

Transcription

1 My Paycheck Teacher s Guide Introduction to the Unit... 2 What are the activities? What is the assessment? What are the activity descriptions? How does this unit align with the Common Core State Standards? Alignment with the Common Core State Standards for Reading... 3 Alignment with the Common Core State Standards for Writing... 4 Alignment with the Common Core State Standards for Mathematics... 5 Activity Descriptions Category 1 Understanding Paychecks... 6 Category 2 Fringe Benefits... 7 Category 3 Be Creative... 8

2 Teacher s Guide Introduction To the Unit 2 What are the activities? My Paycheck contains 14 current activities that let your students do so much more than just read and answer questions. They will use their reading skills, writing skills, math skills and creative skills while they learn about paychecks and how people are paid. The activities are divided into the following three categories: Understanding Paychecks Fringe Benefits Be Creative Each activity includes: One or more reproducible student pages A teacher s key with answers Step-by-step math solutions where appropriate What is the assessment? An Assessment is included that can be used as a pre-test as well as a post-test to evaluate what your students have learned and to identify those areas that might require additional instruction. The assessment includes: 20 True or False questions 3 multi-step math problems. What are the activity descriptions? This guide includes a detailed description of each activity in the unit to help you choose the activities that best meet your needs. How does this unit align with the Common Core State Standards? The anchor standards for Reading, Writing and Mathematics are listed on pages 3-5 and each anchor standard that aligns with the activities in My Paycheck is indicated with a red arrow. Each activity description on pages 6-8 also includes one or more of the following statements indicating if the activity aligns with the Common Core State Standards for Reading, Writing and/or Mathematics. Alignment with CCSS for Mathematics as noted on page 5.

3 Teacher s Guide CCSS Reading Alignment 3 Common Core State Standards for Literacy in History/Social Studies, Science and Technical Subjects Each of the following anchor standards for reading which is aligned with activities in My Paycheck has been marked with a red arrow. Where a specific term or statement is particularly applicable it has been highlighted. College and Career Readiness Anchor Standards for Reading Key Ideas and Details 1. Read closely to determine what the text says explicitly and to make logical inferences from it; cite specific textual evidence when writing or speaking to support conclusions drawn from the text. 2. Determine central ideas or themes of a text and analyze their development; summarize the key supporting details and ideas. 3. Analyze how and why individuals, events, or ideas develop and interact over the course of a text. Craft and Structure 4. Interpret words and phrases as they are used in a text, including determining technical, connotative, and figurative meanings, and analyze how specific word choices shape meaning or tone. 5. Analyze the structure of texts, including how specific sentences, paragraphs, and larger portions of the text (e.g., a section, chapter, scene, or stanza) relate to each other and the whole. 6. Assess how point of view or purpose shapes the content and style of a text. Integration of Knowledge and Ideas 7. Integrate and evaluate content presented in diverse formats and media, including visually and quantitatively, as well as in words. 8. Delineate and evaluate the argument and specific claims in a text, including the validity of the reasoning as well as the relevance and sufficiency of the evidence. 9. Analyze how two or more texts address similar themes or topics in order to build knowledge or to compare the approaches the authors take. Range of Reading and Level of Text Complexity 10. Read and comprehend complex literary and informational texts independently and proficiently.

4 Teacher s Guide CCSS Writing Alignment 4 Common Core State Standards for Literacy in History/Social Studies, Science and Technical Subjects Each of the following anchor standards for writing which is aligned with activities in My Paycheck has been marked with a red arrow. Where a specific term or statement is particularly applicable it has been highlighted. College and Career Readiness Anchor Standards for Writing Text Types and Purposes 1. Write arguments to support claims in an analysis of substantive topics or texts using valid reasoning and relevant and sufficient evidence. 2. Write informative/explanatory texts to examine and convey complex ideas and information clearly and accurately through the effective selection, organization, and analysis of content. 3. Write narratives to develop real or imagined experiences or events using effective technique, well-chosen details and wellstructured event sequences. Production and Distribution of Writing 4. Produce clear and coherent writing in which the development, organization, and style are appropriate to task, purpose, and audience. 5. Develop and strengthen writing as needed by planning, revising, editing, rewriting, or trying a new approach. 6. Use technology, including the Internet, to produce and publish writing and to interact and collaborate with others. Research to Build and Present Knowledge 7. Conduct short as well as more sustained research projects based on focused questions, demonstrating understanding of the subject under investigation. 8. Gather relevant information from multiple print and digital sources, assess the credibility and accuracy of each source, and integrate the information while avoiding plagiarism. 9. Draw evidence from literary or informational texts to support analysis, reflection, and research. Range of Writing 10. Write routinely over extended time frames (time for research, reflection, and revision) and shorter time frames (a single sitting or a day or two) for a range of tasks, purposes, and audiences.

5 Teacher s Guide CCSS Mathematics Alignment 5 Common Core State Standards For Mathematics Each of the following anchor standards for mathematics which is aligned with activities in My Paycheck has been marked with a red arrow. Standards for Mathematical Practice 1. Make sense of problems and persevere in solving them. 2. Reason abstractly and quantitatively. 3. Construct viable arguments and critique the reasoning of others. 4. Model with mathematics. 5. Use appropriate tools strategically. 6. Attend to precision. 7. Look for and make use of structure. 8. Look for and express regularity in repeated reasoning.

6 Teacher s Guide Activity Descriptions for Understanding Paychecks 6 Category 1: Understanding Paychecks How Much You ll Make Students will read a description of the factors that determine how much people are paid. They will calculate the annual wage and real wage for an electrician, a registered nurse and a fireman in eight different communities across the United States and decide which community they think each of the three should choose to live and work in. Alignment with CCSS for Mathematics as noted on page 5. How You ll Be Paid Students will read the definitions of eleven different ways to be paid (i.e. salary, hourly wage, commission). They will decide which of the eleven methods of payment fit each of sixteen different occupations. Six Paychecks Students will calculate the net pay (take home pay) for six people who are all paid in different ways. Alignment with CCSS for Mathematics as noted on page 5. Which Job Should She Take Alicia Wright has been offered three jobs in three different communities. Students will calculate her gross and net pay for each job and decide which job they think she should take. Statistics on each community are provided. Alignment with CCSS for Mathematics as noted on page 5. You Decide Students must choose between two different ways of being paid for three different jobs and explain their choice.

7 Teacher s Guide Activity Descriptions for Fringe Benefits 7 Category 2: Fringe Benefits Getting Health Insurance Students will do the calculations to complete a table illustrating the increase in health insurance premiums for employers and employees from Using a chart that is provided, they will answer questions about the change from in the number of businesses that offer health insurance to their employees. Alignment with CCSS for Mathematics as noted on page 5. Metropolitan Insurance Students will use an outline of a company s health insurance policy to calculate the insurance company s payments toward the medical bills of several employees. Alignment with CCSS for Mathematics as noted on page 5. More Than The Salary Students will read descriptions of 10 different types of fringe benefits. Students will read a list of fringe benefits being offered in two job descriptions and decide what questions they would ask about those fringe benefits before accepting the job. Types Of Health Insurance Students will read descriptions of 10 different types of health insurance. They will then read 10 different scenarios involving health insurance and decide which of the types of insurance would fit each situation.

8 Teacher s Guide Activity Descriptions for Be Creative 8 Category 3: Be Creative Know Your Benefits Students will design a poster that explains to new employees the various types of benefits they can receive from their employer and from the government. Know Your Net Students will design a poster that explains to new employees the difference between their gross pay and their net pay. Letter To The Editor Students will write an to the editor of the local newspaper supporting or opposing a $9.50 minimum wage that increases each year with inflation. They will write the from the point of view of different people who would be affected by the minimum wage change. Working Today Students will play the part of a writer for the PBS series Working Today. They will write an outline for a thirty minute episode about how people are paid.

9 C. W. Publications My Paycheck Metropolitan Insurance Bowman Publishing offers its employees health insurance through the Metropolitan Insurance Group. The company pays the full cost of each employee s individual coverage and a portion of each employee s family coverage. There are also several different plans that each employee can choose from. Use the descriptions of the company s health insurance plan on pages 3 and 4 to answer each of the following questions concerning the medical bills of several company employees. 1. Joyce Mathews made two visits to her doctor s office with a medical problem. Her doctor decided to do an outpatient procedure in his office. Her total costs included: First Office Visit... $ (professional services b)* X-rays (in office) (professional services b)* Second Office Visit (professional services b)* Lab tests (in office) (professional services b)* Surgical Procedure... 1, (professional services a)* Compute the portion of her costs that would be paid by each of the following six Medcare Plans. *Her costs all fall under Professional Services. $20 Co-Pay Plan $30 Co-Pay Plan $40 Co-Pay Plan In Network Out of Network In Network Out of Network In Network Out of Network 2. During the year, the Marshalls had prescriptions filled for 8 generic drugs and 5 brand name drugs. Compute their cost based on the following six Medcare Plans (see Prescription Drugs). $20 Co-Pay Plan $30 Co-Pay Plan $40 Co-Pay Plan In Network Out of Network In Network Out of Network In Network Out of Network 3. After suffering a mild stroke, John Carlson spent 20 days in a skilled nursing facility at a cost of $475 a day. Compute the portion o f his costs that would be paid by the following six Medcare Plans. His cost all fall under Skilled Nursing Facilities. Sample Do Not Reproduce $20 Co-Pay Plan $30 Co-Pay Plan $40 Co-Pay Plan In Network Out of Network In Network Out of Network In Network Out of Network Name: Period: C. W. Publications PAGE 1

10 C. W. Publications Metropolitan Insurance 4. Jennifer Wright was suffering from depression. She spent 12 days being treated in the hospital at a cost of $10,590. She was given two prescriptions for brand name drugs. She filled one 8 times and the other 4 times at a total cost of $1, She also made 30 visits to a therapist at a cost of $75 a visit. Compute the portion of her costs she will have to pay if she uses the $30 Co-Pay, In-Network Plan. Her costs fall under Mental Disorders and Prescription Drugs. $ 5. Jeff Feinstein was in the hospital for a stomach disorder. When he was released, he received the following bills: Room and Board (semi-private)... $6, (inpatient hospital services a)* Laboratory Tests... 1, (inpatient hospital services a)* Blood Transfusions (inpatient hospital services a)* X-Rays (inpatient hospital services a)* Use of the Operating Room... 2, (inpatient hospital services a)* Intensive Care (inpatient hospital services a)* Medicine and Drugs (inpatient hospital services a)* Surgical Fees and Anesthesia... 7, (professional services a)* In-Hospital Doctor Visits (professional services a)* Compute the portion of his costs that would be paid by each of the following six Medcare Plans. His costs fall under *Inpatient Hospital Services (section a) and **Professional Services (section a), but you must also consider Out-of- Pocket Maximums. $20 Co-Pay Plan $30 Co-Pay Plan $40 Co-Pay Plan In Network Out of Network In Network Out of Network In Network Out of Network 6. What are the basic differences between the In-Network and Out-of-Network Plans? Sample Do Not Reproduce Name: Period: C. W. Publications PAGE 2

11 C. W. Publications Metropolitan Insurance In Network: When you use Participating Providers, Metropolitan pays based on the negotiated rate. Out of Network: When you use Non-Participating Providers, Metropolitan pays based on reasonable charges. Benefit $20 Co-Pay Plan $30 Co-Pay Plan $40 Co-Pay Plan Lifetime Maximum $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 Professional Services a. Surgery, anesthesia, radiation therapy, in-hospital doctor 80% 75% visits, diagnostic X-ray and lab. b. Office visits including X-rays and lab work Preventive Care Babies/children thru age 6 a. Office visits/examination related to preventive care including lab work billed by the attending physician on the same date of service. b. Immunization and lab work, not billed with the office visit by the attending physician on the same date of service. Adults: a. Office visit/examination related to services in (b) for adults. b. Routine pap smears, annual mammograms and PSA for men. Outpatient Medical Care 80% 80% 75% 75% Physical/Occupational Therapy/Medicine Acupuncture/Acupressure Mental, Emotional or Functional Nervous Disorders & Counseling Treatment for Alcoholism a. Inpatient hospital charges b. Outpatient professional services In Network All but a $20 All but a $20 80% All but a $20 Out of Network In Network All but a $30 All but a $30 Out of Network In Network As much as $25 per visit, maximum of 12 visits per year Out of Network Smoking Cessation Up to $50 for pharmaceuticals and $50 per insured person for any smoking cessation program per lifetime 75% All but a $30 All but a $40 All but a $40 All but a $40 As much as $25 per visit and as many as 12 visits per year. Additional visits may also be available through the Home Health Benefit if approved by Managed Care Services Maximum Covered Expenses of: $100 per day and as much as $3,000 per year (exception: Inpatient treatment of alcoholism is payable as any other medical condition) Sample Do Not Reproduce As much as $25 per visit and as many as 20 visits per year Infusion Therapy: Admin of drugs and other substances in ways other than oral; such as chemotherapy through a vein. 80% 75% Name: Period: C. W. Publications PAGE 3

12 C. W. Publications Metropolitan Insurance Benefit $20 Co-Pay Plan $30 Co-Pay Plan $40 Co-Pay Plan In Network Out of Network In Network Out of Network In Network Out of Network Durable Medical Equipment 80% 75% Inpatient Hospital Services a. Semi-Private Room and Board, Intensive Care & Related Expenses, Diagnostic Services (X-ray, lab tests, EKGs, ECGs, etc.), Non-emergency services and supplies b. Medical Emergency (pre-certification required on all plans) 80% 80% less an additional $500 penalty 80% until transferable to a participating hospital, then 75% 75% less an additional $500 penalty 75% until transferable to a participating hospital, then less an additional $500 penalty until transferable to a participating hospital, then Ambulatory Surgical Center 80% 75% Ambulance 80% 75% Must be medically necessary Maximum covered expenses of $750 per trip (air or ground) Home Health Care 80% 75% of covered expenses, as many as 60 visits per year Skilled Nursing Facilities 80% 75% Maximum covered expenses of covered expenses, as many as 1000 visits per year Hospice 80% 75% $10,000 lifetime maximum Prescription Drugs a. Generic drugs... b. Brand name drugs... Pharmacy s do not apply to your out-of-pocket maximum. $10 $20 $15 $30 $15 $25 $20 $35 $20 $30 $25 $40 Out-of-Pocket Maximums When you use In Network When you use Out-of Network providers we pay: providers we pay: $20 Co-Pay Plan First Level: Until you incur $2,000 out-of-pocket per year... 80%... Second Level: Once you incur $2,000 out-of-pocket per year % % Third Level: Once you incur $7000 out-of-pocket per year % % Sample Do Not Reproduce $30 Co-Pay Plan First Level: Until you incur $3,000 out-of-pocket per year... 80%... Second Level: Once you incur $3,000 out-of-pocket per year % % Third Level: Once you incur $8000 out-of-pocket per year % % $40 Co-Pay Plan First Level: Until you incur $4,000 out-of-pocket per year... 80%... Second Level: Once you incur $4,000 out-of-pocket per year % % Third Level: Once you incur $9000 out-of-pocket per year % % Name: Period: C. W. Publications PAGE 4

13 C. W. Publications Metropolitan Insurance Answer Key: 20 Co-Pay 30 Co-Pay 40 Co-Pay In Out In Out In Out 1. Joyce Mathews Physician Office Visit & X-rays Physician Office Visit & Lab Tests Surgical Procedure Total Co-Pay 30 Co-Pay 40 Co-Pay In Out In Out In Out 2. The Marshalls Generic Drugs (8 prescriptions) Brand Name Drugs (5 prescriptions) Total John Carlson Note: Only $400 a day is covered by the plans or $8,000 ($400 x 20). Since, the extra $75 a day is not covered, it is also not included when considering out-of-pocket maximums. Therefore, out-of-pocket maximums do not apply in this case. 20 Co-Pay 30 Co-Pay 40 Co-Pay In Out In Out In Out Skilled Nursing Care (20 x $400) Jennifer Wright Note: Out-of-Pocket Maximums do not take affect because the plan will only cover $100 a day for inpa.ent mental care and $25 a day for outpa.ent mental care. 30 Co-Pay In Network Inpatient Hospital Charges... 1, ($100 x 12 = $1,200) Prescription Drugs (12 prescriptions) ($1,140 (12 x 25) = $840) Outpatient Professional Services ($25 x 30 = $750) Total... 2, Jennifer s Costs: Inpatient Hospital Charges... 9, ($ $1,200 = $9,390.00) Prescription Drugs (12 prescriptions) ($25 x 12 = $300) Outpatient Professional Services... 1, ($2,250-$750 = $15.00) Total... 11, Sample Do Not Reproduce C. W. Publications KEY 1

14 C. W. Publications Metropolitan Insurance 20 Co-Pay 30 Co-Pay 40 Co-Pay In Out In Out In Out 5. Jeff Feinstein Plan Will Cover Inpatient Hospital Services... 9, , , , , Professional Services... 6, , , , , , Total... 15, , , , , , Plan Will Not Cover Inpatient Hospital Services... 2, , , , , , Professional Services... 1, , , , , , Total... 3,959.00* 6, ,949.75* 7, ,938.50* 8, *Out-of-Pocket Maximum Takes Affect Plan Will Pay... 17, , , , , , What are the basic differences between the In-Network and Out-of-Network Plans? 1. The In-Network Option for each plan offer a 10% higher co-insurance percentage than the Out-of-Network Option. 2. In Network Options require smaller s than Out-of-Network Options. 3. Out of pocket maximums are smaller for In-Network Options than Out-of-Network Options. 4. If you use Out-of-Network providers, Medcare will not cover costs that they consider greater than reasonable charges. Sample Do Not Reproduce C. W. Publications KEY 2