Philippine Bar review · Question

Practice question: Coverage; Exclusions; Dependents; Beneficiaries; Benefits

Multiple Choice Hard

Practice question

A deceased member leaves a qualifying dependent spouse and dependent children. A person privately designated by the member claims that designation necessarily overrides all statutory primary beneficiaries. Which is best?
  1. Every designation has unlimited priority
  2. The employer chooses among them freely
  3. Dependence and statutory classes are irrelevant
  4. The statutory beneficiary hierarchy controls; a designation does not automatically displace qualifying primary beneficiaries
  5. Only the oldest creditor can receive anything

Legal references

  • RA11199, Section8(e),(k): https://lawphil.net/statutes/repacts/ra2019/ra_11199_2019.html

Answer this question in flashcards to review your response and continue practicing.