5. 5. The short-term disability benefits from an employer are combined with _______ to make sure that an

employee doesn’t receive benefits that are more than his or her salary.

1. workers’ compensation payments
2. earnings from employment
3. sick-leave plans
4. pension-plan payments

7. Under what condition would it be a good idea for an employer to offer supplemental long-term disability

income insurance at the employee’s expense?

1. The job that the majority of the employees do is hazardous.
2. The employer would like to attract and retain employees.
3. The employer would like the employees to pay for more of their own benefits.
4. The employees have requested the additional insurance on the employee benefit survey.
5. 8. Which one of the following benefits may be included by an employer as extra coverage in accidental

death and dismemberment insurance?

1. The employer is given a temporary employee until the disabled employee can return.
2. Funeral costs are paid.
3. The beneficiary of the disabled employee is given transportation to the employee’s rehabilitation facility.
4. The deceased employee’s body is flown home.

2. 12. An employer with fewer than 15 employees might be required to offer medical insurance benefits to a pregnant employee because the
3. employer offers medical insurance benefits to nonpregnant employees.
4. employer provides sick leave for employees.
5. state in which the employer operates requires it.

4. Bob, a 10-year employee of Company X, is in the Army Reserve. Bob’s Reserve unit was called to

serve overseas for three months. Company X told Bob that his position would be held for him until he

returned. Bob was permanently injured, losing an arm and a foot while fighting overseas. What will happen when he returns?

1. Bob would receive 100 percent of his pay after his 30 days of sick leave were used.
2. Bob would receive no disability payments.
3. Bob would receive 100 percent of his pay from Company X for the first six months of his disability and 60 percent thereafter.
4. Bob would receive 100 percent of his pay from Company X as soon as he returned to the United States.

5. Regarding underwriting considerations, what information may an employer have to provide to an

insurance company to show that the company is insurable?

1. The employer’s financial records
2. References from customers
3. The firm’s total number of employees
4. The employees’ health histories

6. 16. If an employer has offices in New York, New Jersey, and Los Angeles, how would that employer

determine which state regulations govern the group insurance contract?

1. Each office would abide by the requirements of its own state.
2. The state with the most stringent regulations would govern the contract.
3. The state with the most employees would govern the contract.
4. The state in which the insurance contract was delivered would govern the contract. 

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