Plan Design & EAP Flashcards
Name the 4 statutory benefits.
- CPP
- EI
- WCB
- Paid Time off
Name the 5 non-statutory benefits.
- Mandatory Group Life
- AD&D
- STD
- LTD
- MSP
What are some options for paying for premiums?
- Employee
- Employer
- Split (tax implications (STD & LTD))
What term describes “when both the ee and er pay”?
Contributory
What term describes “when the er pays”?
Non-contributory
T/F: Employees should never pay for premiums because they will get more money.
False: Employees should pay for the premium so that they get more money
T/F: Employers should never pay for employee premiums because their employees will get more money if they pay for them.
True
List 5 types of benefits plans.
- one size fits all (traditional)
- flexible:
- Modular
- Core Plus options
- Cafeteria style
- Health Care Spending Accounts
Describe Modular benefits plans.
- plan A, B, or C
- admin is relatively simple
- limits employee choice
- ees: pay something for “better” options
Describe Core plus options plans.
- consist of core benefits that ees may not choose otherwise
- more choice, but admin is more complex
- ees: may pay something for “better” options
Describe adverse/anti-selection.
- people sign up for the things they think they’ll use/need
- however, they usually make poor choices for themselves
Describe Health Care Spending Account (HSCA).
- pay attention to tax treatment when establishing plan
- consider: ASO=Administrative Services Only
- useful for small businesses:
- less expensive
- good coverage
- ee can get exactly what they want
What is the flex plan design process?
- establish objectives
- status quo? design new plan?
- test- focus groups
- adjust
- implementation:
- communication for roll out
- administration
- elections periods/triggers
Define EAP (Employee Assistance Programs).
- employer-sponsored benefit program designed to assist employees with the identification and resolution of personal issues which may be impacting productivity
List a few EAP services.
- substance abuse
- mental health
- grief counselling
- stress reduction
- anger management
- legal problems
- credit counselling
- health maintenance consultations
Why is it better for a company to outsource EAP services?
- easy for ee to use
- confidential and private
- charges company for only the services that the ee uses
What is the regulatory framework/privacy legislation of EAP?
- safeguards client information in records or gathered in counselling sessions
- advise what info being collected, its purpose and the time it will be kept on file
- individual written consent for release of info
List some potential problems with EAP.
- defamation of character
- discrimination
- negligence
- breach of contract
List some design issues of EAP.
- objectives of EAP
- definition of eligible ees
- types of services offered
- qualifications of EAP practitioners (ex. quality of service)
- roles of the different parties (ex. communication support)
- methods of access to the program (ex. accessibility, timeliness)
- evaluation and /or audit procedures (ex. confidentiality, utilizing reports)
List some operational issues of EAP
- culture of concern
- assistance rather than a personal weakness
- no disciplinary action
- confidentiality - supervisory training
- early intervention
- choosing an EAP
- cost of EAP program
- in-house vs. external program
What are the benefit of an external EAP?
- efficient start-up
- confidential service
- unfamiliar with workplace/issues
- problem of follow-up
- evaluation and accountability
What does the future look like for EAPs?
- newer services
- new delivery systems
- new educational approaches
- work-life committees
- small business services
