SSHS INTENTIONAL UNIT PLANS 2017-2018

Title of Unit / Lesson Title: Duration of Lesson Date:

(Days):
Insurance 26 4th Quarter (SY2017-2018)
Investments
Personnel

Student Learning Outcomes (SLOs)

ACADEMIC EXCELLENCE: CAREER PREPARATION CIVIC ENGAGEMENT
 through creative and critical thinking  taking initiative and demonstrating innovation  awareness of local and
skills  demonstrating professional conduct, global issues
 through effective communication collaboration and other interpersonal skills  contributing time and
skills  efficient use of time and resources to achieve talent to community needs
 through being goal oriented and self- goals
discipline individuals  demonstrating the ability to understand and
effectively use relevant technology
Design Question Focus of the Lesson (elements from other DQ’s may be used as support)
 Introducing New Knowledge  Deepening or Practicing  Generating and Testing Hypotheses
Learning Goal/ Objective: (based on Standards ) (teacher language)
CCSS.MATH.CONTENT.7.RP.A.3
Use proportional relationships to solve multistep ratio and percent problems. Examples: simple interest, tax, markups and
markdowns, gratuities and commissions, fees, percent increase and decrease, percent error.

CCSS.MATH.CONTENT.7.NS.A.3
Solve real-world and mathematical problems involving the four operations with rational numbers.

Learning Targets: (write in the scale below) (student language)

2.0 Simpler Content: 3.0 Target (Objective/Learning Goal): 4.0 More Complex:

“I can…..” “I can…..” “I can…..”

Chapter 11:
I can calculate the costs of health insurance
and life insurance premiums

Chapter 12:
I can compute the costs of investments, such
as certificates of deposit, stocks, and bonds.

Chapter 13:
I can figure out the costs involved in hiring and
training employees and providing employee
benefits.
Level 1 (Recall) Level 2 ( Skill/Concept) Level 3 (Strategic Thinking) Level 4 (Extended Thinking)
Recite, tell, recall, state, repeat, use, name, Graph, classify, separate, cause/effect, Revise, assess, apprise, construct, Design, connect, synthesize, apply concepts,
match, 5 Ws, define, draw, identify, list, estimate, compare, relate, infer, identify critique, compare, investigate, critique, analyze, create, prove
label, measure, illustrate, memorize, patterns, organize, construct, modify, differentiate, draw conclusions,
arrange, report, quote, calculate…. predict, interpret, distinguish, make hypothesize, formulate, cite evidence,
observations, summarize, show, categorize critique, develop a logical argument…
Assessment and Monitoring: (checks for content and desired effect)
Common Formative Assessment Common Summative Assessment

Seatwork Quizzes
Homework Chapter Tests
Concept Checks Pre/Post - Tests
Bellwork

Critical Information Chunks (as determined by learning targets) i.e. vocabulary

Vocabulary

Chapter 11 Chapter 12: Chapter 13:

 Health insurance  Certificate of deposit  Recruiting
 Preferred provider organization  Annual yield  Salary scale
 Health maintenance organization  Stocks  Cost-of-living adjustment
 Deductible  Stock certificate  Merit increase
 Co-insurance  bonds  Employee benefits
 Co-payment  Disability insurance
 Life insurance  Workers compensation
 Term life insurance insurance
 Beneficiary  Unemployment insurance
 Whole life insurance
 Cash value
 Limited payment policy
 Universal life insurance

Learning Plan: Instructional Strategies /Lesson Activity: (Identify your CFAs and CITW strategies in your plan)
WRITE OUT EXPLICITLY:
Anticipatory Set:
Review previous lesson, open with lesson opener from resources for each section, an activity, or relate concepts to real
world.
L11-1 Ask students what’s the purpose of insurance premiums.
L11-2 Introduce the lesson by showing the video Understanding your Health Insurance Costs by Consumer Reports.
L11-3 Call on various students to explain what they think the purpose of life insurance is. Point out that unlike other types of
insurance, which provide financial protection if a certain event (such as an accident or illness) happens, life insurance
provides financial protection when a person dies.
L11-4 Review with students the fact that the purpose of term life insurance is to provide money to the beneficiary in case of
a disaster. Explain that there are other types of life insurance coverage, which combine life insurance and a savings plan,
but that the premiums are higher for the latter. The focus of this lesson is to compute the annual premiums for these types
of insurance.

L12-1 Banks will sometimes advertise their interest rates for certificates of deposit. Use such an advertisement or copy the
rates posted at a local bank to motivate the computation of interest on certificates of deposit.
L12-3 You can motivate the study of stocks by opening a discussion in starting a new business. Ask students to think about
starting a business of their own. Who would invest in their business? If the business were successful, how would they raise
more money? Point out that both small and large businesses issue stocks to raise money.
L12-6 Some students may be familiar with U.S. government bonds, and you can use these types of bonds to initiate the
discussion of this lesson. Students should understand that even the United States government and the local government
borrows money to pay its bills by issuing bonds.

L13-1 Ask students what expenses they encountered when they looked for part-time jobs. Have students create a job
advertisement.
L13-2 Ask students if they know how raises are calculated. Tell students that two types of salary increases will be discussed
in this lesson: cost-of-living adjustments and merit increases.
L13-3 Ask students to list some employee benefits. Add to the list any benefits that students do not mention.
L13-4 Have students discuss reasons why an employee may need to leave on short-term or long-term disability. Point out
that maternity leave is often paid by a short-term disability plan.
L13-5 Ask students to think about what a person working full time would do for income if he or she were hurt on the job.
What if the person were laid off?
Engaging the student in learning the content:
Students come to class prepared, take notes, participate in class activities and actively engage in class discussion. Work to
be turned in at the end of class if completed (unless otherwise specified by the teacher). The incomplete work will be taken
home for homework and due the next class period.

Guided Practice

Day 1: L11-1 Health Insurance Premiums

 Give 4th quarter pre-test
 Goals: Compute health insurance premiums
 Key Terms:
o Health insurance
o Preferred provider organization (PPO)
o Health maintenance organization (HMO)
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L11-1 in the textbook.

Day 2: L11-2 Health Insurance Benefits

 Goals: Calculate the amount the patient pays for healthcare.
 Key Terms:
o Deductible
o Co-insurance
o Co-payment
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L11-2 in the textbook.

Day 3: L11-3 Term Life Insurance

 Goals: Utilize tables to compute the annual premium for term life insurance
 Key Terms:
o Life insurance
o Term life insurance
o Beneficiary
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L11-3 in the textbook

Day 4: L11-4 Other types of life insurance

 Goals: Apply tables to data to compute the annual premiums for three types of life insurance.
 Key Terms:
o Whole life insurance
o Cash value
o Limited payment policy
o Universal life insurance
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L11-4 in the textbook

Day 5: Chapter 11 Review

Day 6: Chapter 11 Test

Day 7: L12-1 Certificates of Deposit

 Goals: Use tables to compute interest on certificates of deposit
  Key Terms:
o Certificate of deposit
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L12-1 in the textbook

Day 8: L12-3 Stocks

 Goals: solve for the total cost of a stock investment
 Key Terms:
o Stock
o Stock certificate
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L12-3 in the textbook

Day 9: L12-6 Bonds

 Goals: compute the annual interest and the annual yield of a bond investment
 Key Terms:
o bonds
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L12-6 in the textbook

Day 10: Chapter 12 Review and Test.

Day 11: L13-1

 Goals: Calculate the cost of recruiting new employees.
 Key Terms:
o recruiting
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L13-1 in the textbook.

Day 12: L13-2 Administering Wages and Salaries

 Goals: Compute the new salary after merit increase and cost-of-living adjustment.
 Key Terms:
o Salary scale
o Cost-of-living adjustment
o Merit increase
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L13-2 in the textbook

Day 13: L13-3 Employee Benefits

 Goals:
o Work out the rate of employee benefits based on annual gross pay.
 Key Terms:
o Employee benefits
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L13-3 in the textbook.

Day 14: L13-4 Disability Insurance

 Goals: Figure out disability benefits under independent retirement systems and under Social Security.
 Key Terms:
o Disability insurance
  Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L13-4 in the textbook

Day 15: L13-5 Workers Compensation and Unemployment Insurance

 Goals: compute the employer cost for workers compensation and unemployment insurance
 Key Terms:
o Workers compensation insurance
o Unemployment insurance
 Copy: Notes on key terms and examples of problems to be solved in seatwork
 Seatwork/Homework: Complete problems for L13-5 in the textbook

Day 16: Chapter 13 Review

Day 17: Chapter 13 Test

Day 18 to Day 26: Flexible Days

Closure

Adaptations for Unique Student Needs: (ELL, Special Education, Gifted, Students who lack support for school)
Extra time, homework, multiple choice test, one-to-one assistance, peer tutoring, shorter assignments, simplified
instructions, visuals, calculator
Assignment(s):

See Learning plan

Resources and Materials:

Textbook: Mathematics with Business Applications 5 th edition by Lange & Rousos
Internet/ Computer
Multimedia projector
Worksheets

CITW Strategies
Setting Objectives Cues/Questions ISD - Compare
Providing Feedback Advance Organizers ISD - Classify
Reinforcing Effort NLR - Graphic Organizer ISD - Metaphor
Providing Recognition NLR - Kinesthetic ISD - Analogy
Cooperative Learning NLR - Mental Image GTH - Problem Solving
NLR - Pictograph GTH -Investigation
NLR - Physical Model GTH - Systems Analysis
Summarizing GTH -Experimental Inquiry
Note-taking
Homework
Practice

Webb’s Depth of Knowledge (DOK) Levels