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Benefits > Plan Design & EAP > Flashcards

Plan Design & EAP Flashcards

1
Q

Name the 4 statutory benefits.

A
  • CPP
  • EI
  • WCB
  • Paid Time off
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2
Q

Name the 5 non-statutory benefits.

A
  • Mandatory Group Life
  • AD&D
  • STD
  • LTD
  • MSP
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3
Q

What are some options for paying for premiums?

A
  • Employee
  • Employer
  • Split (tax implications (STD & LTD))
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4
Q

What term describes “when both the ee and er pay”?

A

Contributory

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5
Q

What term describes “when the er pays”?

A

Non-contributory

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6
Q

T/F: Employees should never pay for premiums because they will get more money.

A

False: Employees should pay for the premium so that they get more money

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7
Q

T/F: Employers should never pay for employee premiums because their employees will get more money if they pay for them.

A

True

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8
Q

List 5 types of benefits plans.

A
  • one size fits all (traditional)
  • flexible:
    • Modular
    • Core Plus options
    • Cafeteria style
    • Health Care Spending Accounts
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9
Q

Describe Modular benefits plans.

A
  • plan A, B, or C
  • admin is relatively simple
  • limits employee choice
  • ees: pay something for “better” options
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10
Q

Describe Core plus options plans.

A
  • consist of core benefits that ees may not choose otherwise
  • more choice, but admin is more complex
  • ees: may pay something for “better” options
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11
Q

Describe adverse/anti-selection.

A
  • people sign up for the things they think they’ll use/need

- however, they usually make poor choices for themselves

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12
Q

Describe Health Care Spending Account (HSCA).

A
  • 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
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13
Q

What is the flex plan design process?

A
  • establish objectives
  • status quo? design new plan?
  • test- focus groups
  • adjust
  • implementation:
    • communication for roll out
    • administration
    • elections periods/triggers
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14
Q

Define EAP (Employee Assistance Programs).

A
  • employer-sponsored benefit program designed to assist employees with the identification and resolution of personal issues which may be impacting productivity
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15
Q

List a few EAP services.

A
  • substance abuse
  • mental health
  • grief counselling
  • stress reduction
  • anger management
  • legal problems
  • credit counselling
  • health maintenance consultations
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16
Q

Why is it better for a company to outsource EAP services?

A
  • easy for ee to use
  • confidential and private
  • charges company for only the services that the ee uses
17
Q

What is the regulatory framework/privacy legislation of EAP?

A
  • 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
18
Q

List some potential problems with EAP.

A
  • defamation of character
  • discrimination
  • negligence
  • breach of contract
19
Q

List some design issues of EAP.

A
  • 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)
20
Q

List some operational issues of EAP

A
  • 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
21
Q

What are the benefit of an external EAP?

A
  • efficient start-up
  • confidential service
  • unfamiliar with workplace/issues
  • problem of follow-up
  • evaluation and accountability
22
Q

What does the future look like for EAPs?

A
  • newer services
  • new delivery systems
  • new educational approaches
  • work-life committees
  • small business services

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