Oаkridge Finаnciаl оffers its emplоyees a cоmpetitive benefits package including medical, dental, vision, life insurance, and retirement benefits. However, as an additional benefit, the company offers a group long-term care insurance plan to employees. The long-term care insurance provides coverage for services an employee may require much later in life, such as: in-home nursing assistance, an assisted-living facility, or a nursing facility. The benefit is available to any Oakridge Financial employee that would like to purchase it, but it is completely optional to participate. If the employee participates, they pay the entire cost of the long-term care insurance premium through payroll deduction. What type of funding arrangement is being displayed with the long-term care insurance offered by Oakridge Financial?
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