The document describes how day-to-day medical expenses are funded for different options on the Liberty Medical Scheme (LMS). For the Plus, Standard, and Select options, day-to-day expenses are funded from a Medical Savings Facility (MSF) allocated annually per beneficiary. Hospitalization expenses are also funded from the MSF for these options. For the Saver option, day-to-day expenses are funded from the MSF, with expenses above the MSF threshold covered by the scheme through an Above Threshold Benefit (ATB). The Traditional option provides various benefit limits from a single risk contribution rather than medical savings.
The document outlines the purposes of English teaching in elementary school, including enhancing self-understanding, developing creativity, cultivating communication skills, promoting teamwork and cultural understanding. It also discusses criteria for successful teaching, such as lessening students' anxiety and improving language proficiency. Additionally, the document lists criteria for competent teachers, like adopting suitable teaching methods and establishing good teacher-student relationships.
This document outlines a study on the effect of communicative teaching methods on students' English speaking ability and attitudes. It discusses communicative language teaching, interaction between teachers and students, motivation, anxiety, and the methodology which involved questionnaires and oral presentations to measure students' speaking skills and comfort levels before and after a speaking class.