Question 1

Workers' compensation benefits can be medical or monetary.

Accepted Answer

Workers' compensation benefits typically cover medical expenses for work-related injuries or illnesses and may also provide monetary compensation for lost wages or disability.

Question 2

Firms should offer health benefits to retired and terminated employees and their families for 18 months following the employee's separation from the firm.

Accepted Answer

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), employers are required to offer continuation of health benefits to eligible employees and their families for a limited period, typically 18 months, after employment ends.

Question 3

The American Disabilities Act makes it illegal for employers to discriminate against women by providing benefits of a lower amount or duration for pregnancy, childbirth, or related medical conditions.

Accepted Answer

The Pregnancy Discrimination Act, not the American Disabilities Act, specifically addresses discrimination based on pregnancy, childbirth, or related medical conditions.

Question 4

What policy issues must employers address when developing benefit plans? Name five issues.

Accepted Answer

The answer of What policy issues must employers address when...

Question 5

The Comprehensive Omnibus Budget Reconciliation Act ensures that employers are not responsible for making health benefits available to terminated or retired employees and their families.

Accepted Answer

The answer of The Comprehensive Omnibus Budget Reconciliation Act ensures...

Question 6

If an employee is injured at work due to a blatant disregard for company safety policies, the company is not required to pay workers' compensation.

Accepted Answer

Regardless of the circumstances surrounding the injury, the company is generally required by law to provide workers' compensation benefits to eligible employees.

Question 7

A primary benefit of 401(k)plans is that payments made by employees into the plan are pretax so the employee pays no tax on those dollars until after he or she retires or removes the money from the 401 (k)plan.

Accepted Answer

401(k) contributions are typically made with pre-tax dollars, meaning taxes are deferred until withdrawal, usually during retirement.

Question 8

The effect of flextime for most employees is to give them about one hour of leeway before 9 am or after 5 pm.

Accepted Answer

Flextime typically allows employees to start or end their workday within a certain range, often providing about an hour of flexibility around standard start and end times.

Question 9

Explain the purpose of sick leaves and why sick leave pay causes difficulties for many employers.

Accepted Answer

The answer of Explain the purpose of sick leaves and...

Question 10

There is no limit to the amount an employee can contribute pre-tax into a 401 (k)plan each year.

Accepted Answer

There is a limit to the amount an employee can contribute pre-tax into a 401(k) plan each year. For 2021, the limit is $19,500 for employees under age 50 and $26,000 for employees who are 50 or older.

Question 11

When employers offer domestic partner benefits to employees, it means that employees' same-sex domestic partners are eligible to receive the same benefits as do the husband, wife, or legal dependent of one of the firm's employees.

Accepted Answer

Employers offering domestic partner benefits means that same-sex partners of employees are eligible for the same benefits as heterosexual partners or legal dependents.

Question 12

The more flexible a work schedule, the greater the effectiveness of the program.

Accepted Answer

Studies have found that highly flexible programs are actually less effective than less flexible ones.

Question 13

Employers are prohibited from inquiring about an applicant's past workers' compensation history b the Americans with Disabilities Act.

Accepted Answer

The Americans with Disabilities Act (ADA) restricts employers from asking about an applicant's workers' compensation history to prevent discrimination based on disability.

Question 14

Flexible work schedules tend to have negative effects on employee productivity, job satisfaction, and absenteeism.

Accepted Answer

Flexible work schedules generally have positive effects on employee productivity, job satisfaction, and can reduce absenteeism by allowing employees to better balance work and personal life.

Question 15

Job sharing allows two or more people to share a single full-time job.

Accepted Answer

Job sharing is a flexible work arrangement where two or more individuals share the responsibilities and hours of a single full-time position, allowing for a balance between work and personal life.

Question 16

The Comprehensive Omnibus Budget Reconciliation Act encourages the provision of long -term care insurance by allowing employers to deduct the cost of the premiums from their annual income taxes.

Accepted Answer

The Comprehensive Omnibus Budget Reconciliation Act (COBRA) primarily deals with the continuation of health insurance coverage after employment ends, not with deductions for long-term care insurance premiums.

Question 17

Flextime allows employees to work at home with computers, phones, faxes, and the Internet to complete work away from the office.

Accepted Answer

Flextime refers to flexible working hours, allowing employees to choose their start and end times, but it doesn't specifically mean working from home. Working from home is more accurately described as telecommuting or remote work.

Question 18

When groups of employees accept a temporary reduction in work hours in order to prevent layoffs, the employees are job sharing.

Accepted Answer

Job sharing allows two or more people to share a single full-time job. Work sharing refers to a temporary reduction in work hours by a group of employees during economic downturns as a way to prevent layoffs.

Question 19

Women affected by pregnancy and childbirth are eligible for the same benefits as disabled employees.

Accepted Answer

The Pregnancy Discrimination Act requires that pregnant women be treated the same as other employees with similar abilities or limitations, which includes eligibility for benefits.

Question 20

Cost containment specialists focus on helping employers reduce health-care costs.

Accepted Answer

Cost containment specialists work with employers to identify and implement strategies to manage and reduce healthcare expenses, ensuring that costs are kept under control while maintaining quality care.

Quiz 13: Benefits and Services