Question 1

Which regulation covers pension plans and requires employers to have written plan documents that establish terms such as eligibility and participation?

Accepted Answer

The Employee Retirement Income Security Act (ERISA) covers pension plans and requires employers to have written plan documents that establish terms such as eligibility and participation.

Question 2

The Pregnancy Discrimination Act ________.

Accepted Answer

The Pregnancy Discrimination Act requires employers to treat women affected by pregnancy, childbirth, or related medical conditions the same as any employee not able to work, with respect to all benefits, including sick leave and disability benefits, health and medical insurance. Answers B, C, and D are incorrect because they do not accurately describe the provisions of the Pregnancy Discrimination Act.

Question 3

The ________ requires employers to treat women affected by pregnancy, childbirth, or related medical conditions the same as any employee not able to work, with respect to all benefits, including sick leave and disability benefits, health and medical insurance.

Accepted Answer

The Pregnancy Discrimination Act requires employers to treat women affected by pregnancy, childbirth, or related medical conditions the same as any employee not able to work, with respect to all benefits, including sick leave and disability benefits, health and medical insurance. The Family and Medical Leave Act provides eligible employees with up to 12 weeks of unpaid leave per year for certain family or medical reasons. The Comprehensive Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances. The American Disabilities Act prohibits discrimination against individuals with disabilities in all areas of public life, including jobs, schools, transportation, and all public and private places that are open to the general public.

Question 4

Which of the following is false regarding the application of the Family and Medical Leave Act?

Accepted Answer

Advance notice is necessary under the Family and Medical Leave Act. The employee must provide at least 30 days' notice if the need for leave is foreseeable, although shorter notice may be acceptable in emergency situations.

Question 5

Which of the following benefits could be awarded as workers' compensation?

Accepted Answer

Workers' compensation benefits can include both cash benefits and medical services to cover expenses related to work-related injuries or illnesses. Time off with pay is not typically included as a workers' compensation benefit.

Question 6

The Family and Medical Leave Act ________.

Accepted Answer

The Family and Medical Leave Act ensures that an employer must grant an employee up to 12 weeks of leave in a twelve-month period for the birth or care of a newborn child, placement of a child for adoption, to care for a spouse, child, or parent with a serious health condition, or to care for the employee's own serious health condition. The other choices are not related to the provisions of the Family and Medical Leave Act.

Question 7

Which of the following benefits is required by federal or state law?

Accepted Answer

Workers' compensation is required by both federal and state law, whereas disability insurance, paid time off for vacations and holidays, and pensions are not.

Question 8

Which regulation listed below requires that most private employers continue to make health benefits available to terminated or retired employees and their families for a period of time?

Accepted Answer

The Comprehensive Omnibus Budget Reconciliation Act (COBRA) requires most private employers to offer continued health insurance coverage to employees, their spouses, and dependents for a limited time after a qualifying event such as job loss, reduction in work hours, divorce, or death of an employee. The coverage must be identical to what the individual had before the qualifying event and the individual is responsible for paying the full premium, which can be up to 102% of the cost of the plan. The coverage typically lasts for 18 months, but can be extended to up to 36 months in certain circumstances.

Question 9

The goal of ________ is to provide sure, prompt income and medical benefits to work-related accident victims or their dependents, regardless of fault.

Accepted Answer

The goal of workers' compensation is to provide benefits to work-related accident victims or their dependents regardless of fault. Severance pay is a benefit paid to an employee upon termination of employment, sick leave is a benefit provided to employees who need time off due to an illness, and the Health Insurance Portability and Accountability Act (HIPAA) is a federal law that sets standards for protecting the privacy of personal health information. None of these options provide income and medical benefits specifically for work-related accidents.

Question 10

Which health benefit listed below is offered by almost all employers?

Accepted Answer

Almost all employers offer medical care insurance as a basic health benefit for their employees. Mental health insurance and chiropractic insurance may not be offered by all employers, and wellness programs may vary in availability and implementation.

Question 11

The full retirement age according to Social Security for individuals born in 1960 or later is ________.

Accepted Answer

The full retirement age according to Social Security for individuals born in 1960 or later is 67. This means that you can start receiving your full retirement benefits at age 67.

Question 12

How many weeks may an employee take as unpaid leave under the Family and Medical Leave Act?

Accepted Answer

An employee may take up to 12 weeks of unpaid leave under the Family and Medical Leave Act for medical emergencies or to care for a family member with a serious health condition.

Question 13

Holidays, vacations, jury duty, funeral leave, military duty, personal days, sick leave, sabbatical leave, and maternity leave are classified as ________ benefits.

Accepted Answer

These types of leave are considered supplemental pay benefits as they provide paid time off for various personal and professional reasons.

Question 14

A(n) ________ is a medical organization consisting of specialists operating out of a community-based health care center that provides routine medical services to employees who pay a nominal fee.

Accepted Answer

The description best fits a Health Maintenance Organization (HMO), which typically consists of a network of healthcare providers, including specialists, operating out of community-based health centers to provide routine medical services to members who pay a fixed fee. PPOs (Preferred Provider Organizations) and DMOs (Dental Maintenance Organizations) are other types of managed care plans but do not fit the description provided. Hospitals may provide routine medical services but are not typically community-based health care centers.

Question 15

________ are groups of health care providers that contract with employers, insurance companies, or third-party payers to provide medical care services at a reduced fee.

Accepted Answer

PPOs (Preferred Provider Organizations) are groups of healthcare providers that offer services to members at reduced fees through contracts with employers, insurance companies, or third-party payers.

Question 16

Which regulation ensures that an employer must grant an employee up to 12 weeks of leave in a twelve-month period for the birth or care of a newborn child, placement of a child for adoption, to care for a spouse, child, or parent with a serious health condition, or to care for the employee's own serious health condition?

Accepted Answer

The regulation that ensures an employer must grant an employee up to 12 weeks of leave in a twelve-month period for the reasons stated is the Family and Medical Leave Act. None of the other options provide for this specific leave category.

Question 17

The Comprehensive Omnibus Budget Reconciliation Act requires most private employers to continue to make health benefits available to terminated or retired employees and their families for a period of time, generally ________.

Accepted Answer

The Comprehensive Omnibus Budget Reconciliation Act requires most private employers to continue to make health benefits available to terminated or retired employees and their families for a period of time, generally 18 months.

Question 18

Who contributes funds to workers' compensation benefits?

Accepted Answer

Workers' compensation benefits are generally funded by employers through insurance policies or self-insurance reserves. Some states also require employers to contribute to state-administered workers' compensation funds. The federal government does not typically contribute to these benefits.

Question 19

________ provides benefits if a person is unable to work through no fault of his or her own.

Accepted Answer

Unemployment insurance provides benefits to individuals who have lost their jobs through no fault of their own, such as being laid off or their company shutting down. This is meant to provide temporary financial assistance until the individual is able to find new employment.

Question 20

Which of the following conditions must be met for an injured employee to earn workers' compensation from his or her employer?

Accepted Answer

Workers' compensation is typically provided for injuries that occur while the employee is performing job-related duties, regardless of fault. The other conditions listed are not generally required for workers' compensation eligibility.

Quiz 7: Compensating Employees