employer I|M|P|L|AO + I|ER EH|M|P|L|U I|ER I|M|P|L|U I|ER EH|M|P|L|AO + I|I R I|M|P|L|AO + I|I R EH|M|P|L|U I|I R I|M|P|L|U I|I R generally JH|I|N|ER|AX|L|I JH|EH|N|I R|AX|L|I JH|I|N|I R|AX|L|I JH|EH|N|ER|AX|L|IH JH|I|N|ER|AX|L|IH JH|EH|N|I R|AX|L|IH JH|I|N|I R|AX|L|IH covers K|O|V|ER|Z K|AH|B|ER|Z K|O|B|ER|Z K|AH|V|I R|Z K|O|V|I R|Z K|AH|B|I R|Z K|O|B|I R|Z K|AH|V|ER|S K|O|V|ER|S K|AH|B|ER|S K|O|B|ER|S K|AH|V|I R|S K|O|V|I R|S K|AH|B|I R|S K|O|B|I R|S most M|U|S|T M|O|SH|T M|U|SH|T of O|V AH|B O|B the D|AX cost K|U|S|T K|AA|SH|T K|U|SH|T