Question 1

Some employers offer ________ programs which offer services such as family counseling, financial counseling, or drug and alcohol recovery programs.

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Question 2

________ insurance usually begins immediately or within 14 days of an illness, whereas ________ insurance begins after a certain number of days which could range from 30-90 days.

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Question 3

How can employee wellness programs and employee assistance programs improve organizations? Make the case for implementing these in an organization.

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Question 4

What is a consumer driven health care plan (CDHP) and why is it important to organizations?

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Question 5

A ________ provides, upon retirement, a specified dollar amount each month or is based on a formula that usually involves multiplying the number of years an employee worked at the organization by a certain percentage of the employees last or highest salary.

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Question 6

ABC corporation requires that an employee work for them for five years before they own 100% of the money in their retirement fund. Once the employee reaches five years of service they are considered to be ________.

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Question 7

Identify and explain the two main regulations that deal with employee benefits as it relates to job changes.

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Question 8

A health care plan which allows the employee to choose whichever doctor they want to see and usually require a deductible and typically cover 80% of fees is known as a ________ plan.

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Question 9

A ________ organization generally gives employees a greater choice in which doctors they can use, as opposed to a ________ organization which restrict which doctors and facilities can be used.

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Question 10

Giving employees more responsibility for their health care costs will cause them to pay more attention to their health and their health care related decisions is the theory behind ________ plans.

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Question 11

In order to set aside money on a tax free basis to use for medical expenses an employee can participate in a ________ if their employer offers one as part of a ________ deductible plan.

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Question 12

Identify and describe three programs related to OSHA and employers obligation to follow or participate in them.

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Question 13

Briefly discuss how organizational demands can impact the design and implementation of an organization's safety program.

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Question 14

When considering that the work force is becoming more diverse, how will that impact what benefit programs an organization offers? Give specific examples of which benefits certain employee groups may prefer over others.

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Question 15

What items should be considered when designing an employee benefits package? How can communication impact the success of a benefits program?

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Question 16

________ insurance is usually paid for completely by the employee and used to provide assistance to aging, disabled or ill people who need help with activities of daily living.

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Question 17

How can offering no benefits or the wrong benefits program to your employees affect your organization? Give at least three examples of the types of benefits that may be important to certain employees based on their needs.

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Question 18

When companies have a ________ plan they are assuming risk by hoping that the money they set aside for medical costs plus what the employee contributes will be enough to cover all costs incurred.

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Question 19

What is the difference between a traditional health care plan versus a managed care plan. Identify and briefly explain the three different types of managed care plans?

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Question 20

Identify and describe three mandatory employee benefits. Explain why each is important to you as an employee.

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Quiz 12: Employee Benefits and Safety Programs