question

In this type of managed care health insurance plan, there is no deductible, and the nominal fees generally from $5 to $30 per visit depending on the service performed.

answer

Health maintenance organization

question

The benefits of this act are based on a percentage of average weekly earnings and are available for up to 26 weeks.

answer

Federal Unemployment Tax Act

question

In 2010 PBGC paid about ____ in benefits owed to retirees and the surviving beneficiaries because their pension plans could not.

answer

$5.6 billion

question

Which law offers full coverage for retirees, dependent survivors, and disabled persons insured by 40 quarters of payroll taxes on their past earnings or earnings of heads of households?

answer

Social Security Act

question

A recent MetLife survey showed that 73 percent of employees who were highly satisfied with their benefits are also satisfied with their _____.

answer

jobs

question

_____ is not legally required, and, because of unemployment compensation, many firms do not offer it.

answer

Severance pay

question

This law provides that, following a worker's death or divorce, the employee's family has the right to buy group rate health insurance for as long as three years.

answer

Consolidated Omnibus Budget Reconciliation Act

question

Currently, ____ percent of states have workers' compensation laws.

answer

100

question

An individual or group health plan that provides or pays the cost of medical care may not use or disclose ____ except with the consent or authorization of the individual in question.

answer

protected health information

question

Which of the following is NOT an area of payment covered by workers' compensation?

answer

Payments to employers while injured workers are recovering

question

The law requiring companies with at least 20 employees to make medical coverage available at group insurance rates for up to 18 months after an employee leaves the job is:

answer

COBRA

question

All state workers' compensation laws share all of the following features except:

answer

a worker's loss is usually covered fully by the insurance program

question

The type of pension plan that offers all employees the same, steady annual credit toward an eventual pension is a:

answer

cash-balance plan

question

The U.S. health insurance system is based primarily on group coverage provided by:

answer

employers

question

HIPPA makes health insurance more portable by which of the following?

answer

Both A and B

question

Which act covers private-sector employees over age 21 enrolled in noncontributory (100% employer-paid) retirement plans who have one year's service?

answer

ERISA

question

The average retirees gets about ____ percent of his/her retirement income from Social Security.

answer

40

question

In regard to pensions, employees who have not worked at a company long enough to be ____ are not entitled to any benefits.

answer

vested

question

_____ programs typically provide a core of basic life coverage and then permit employees to choose greater coverage.

answer

Flexible benefit

question

This type of insurance is usually yearly renewable term insurance and typical coverage is one to two times the employee's annual salary.

answer

Group life

question

Money set aside by employers to cover ____ has become the nation's largest source of capital.

answer

pension obligations

question

The "gatekeeper" in a "managed care" health insurance plan is the:

answer

primary care physician

question

When given a choice, employees are moving toward ____ even though they are more expensive, showing that they are willing to pay more for freedom of choice.

answer

PPOs

question

Which of the following is not an approach wisely used to express the cost of employee benefits and services?

answer

National salary index

question

Which of the following should be considered by firms when determining their overall benefit plan?

answer

All of the above

question

The methods for costing benefits include:

answer

All of the above

question

The doctrine of ___ holds that an individual must pay taxes on benefits with monetary value when he/she receives them.

answer

constructive receipt

question

Limiting Medicare payments to what Medicare would have paid for in the absence of a group health plan is another example of what is referred to as:

answer

cost shifting

question

Which act was enacted to make health insurance more "portable" from one employer to another?

answer

HIPAA

question

Generally, employees of non-agricultural, private-sector firms are entitled to benefits for work-related accidents and illnesses leading to temporary or permanent disabilities under:

answer

workers' compensation

question

In this type of managed care health insurance plan, in-network care comes from a specified group of physicians and hospitals, patients can pay extra to get care from outside the network, and there generally is no gatekeeper.

answer

Preferred provider organization

question

What is driving the increasing costs of health care?

answer

Aging population and an increase in obesity

question

In determining the competitiveness of benefits, senior management tends to focus mainly on:

answer

cost

question

In its 2011 benefits survey, the Society of Human Resource Management found that across organizations of all sizes in a variety of industries, the average percentage of salary reflecting the cost of mandatory benefits was:

answer

19 percent

question

The type of private pension plan in which an employer promises to pay a retiree a stated pension is a:

answer

defined-benefit plan

question

The anti-discrimination rule holds that employers can obtain tax advantages only for those benefits that do not discriminate in favor of:

answer

highly compensated employees

question

The 2010 plan intended to reform the U.S. healthcare system is called the:

answer

Patient Protection and Affordable Care Act

question

Employees engaged in this type of strike are afforded the highest degree of protection, and under most circumstances they are entitled to reinstatement after the strike ends.

answer

Unfair labor practice strike

question

Management's objective is to get labor costs per unit of output to a point below that of the ____ at the product-line level.

answer

competition

question

When _____ fail, the union may strike, management may shut down operations, or both parties may appeal for third-party involvement.

answer

contract negotiations

question

_________ is the name of a 2005 break off group from the AFL-CIO.

answer

Change to Win

question

The _____ was organized in 1886 as a group of national craft unions.

answer

American Federation of Labor

question

Which of the following practices by management is not prohibited by law?

answer

Using company time and premises to stress the disadvantages of unionization

question

In win-win, or ____, the goals of the parties are not mutually exclusive.

answer

integrative bargaining

question

A _____ is an alleged violation of the rights of workers on the job.

answer

grievance

question

Under federal law, how much time does a union have as an exclusive representative to reach a contract for the newly organized workers?

answer

12 months

question

What strategy would American managers most likely use to negotiate conflict?

answer

individualism

question

All except which factor made industrial unionization attractive in the 1930s?

answer

the roaring 20s

question

In a ____, employees need not join the union that represents them, but in lieu of dues, they must pay a service charge for representation.

answer

agency shop

question

Among employees who see management as unwilling to share power, more than ___ percent say they would vote for a union.

answer

70

question

Which of the following is not a way to kick off an organizing campaign?

answer

Management steps in and provides relevant information to the employees.

question

The _____ of the bargaining unit is critical for both the union and employer because it is strongly related to the outcome of the representation election.

answer

size

question

Which Act created the National Labor Relations Board to supervise representation elections and to investigate charges of unfair labor practices by management?

answer

The Wagner Act

question

_____ is when employers seek to avoid unionization by offering workers the wages, benefits, and working conditions that rival unionized firms do.

answer

Spillover effect

question

The first overt union activity in the United States took place in 1794 when the ____ attempted to raise their wages, in reaction to a wage cut by their employers.

answer

Philadelphia shoemakers

question

Fundamentally, labor-management relations are about _____ - who has it and how they use it.

answer

power

question

The role of the line manager in grievance procedures is to know and understand _____, as well as federal and state labor laws.

answer

the collective bargaining contract

question

Which of the following actions in management prohibited by law from participating in?

answer

All of the above

question

The NLRB defines a bargaining unit that reflects the shared interests of the employees involved in a concept called:

answer

community of interest

question

_____ include work stoppages, both lawful and unlawful, such as sit-down strikes, strikes in violation of federal laws, slowdowns, wildcat strikes that occur while a contract is in force, and partial walkouts.

answer

Unprotected strikes

question

Because _____ is most likely to occur the first year or so after the certification, unions will often insist on multi year contracts.

answer

decertification

question

Whenever an organizing drive begins, employees are asked to sign _____ that designate the union as the employees' exclusive representation in bargaining with management.

answer

authorization cards

question

A _____ occurs when parties are unable to move further toward settlement.

answer

bargaining impasse

question

________ occurs when the union has obtained authorization cards from 50% of the employees, and the union asks management directly from the right to exclusive representation.

answer

Card check

question

Actions by the union of withdrawing its labor in support of bargaining demands, including those for recognition or organization, are:

answer

economic strikes

question

Rebel leaders within the AFL who wanted to organize unskilled workers into industrial unions contributed to the emergence of the:

answer

Congress of Industrial Organization

question

Federal-government employees are covered by the:

answer

Civil Service Reform Act

question

During a strike, ____ on streets and sidewalks may be a violation of state law or local ordinances.

answer

profanity

question

Which of the following is used widely by management and labor to settle disputes arising out of and during the term of a labor contract?

answer

Grievance arbitration

question

While mediation assists the parties to reach their own settlement, ____ hears the positions of both and decides on binding settlement terms.

answer

arbitration

question

Under the _____, professional employees cannot be forced into a bargaining unit with nonprofessionals without their majority consent.

answer

Taft-Hartley Act

question

The right of employees to strike in support of their bargaining demands is protected by:

answer

the Landrum-Griffin Act

question

The group of employees eligible to vote in the representation election is termed a:

answer

bargaining unit

question

Many of the fastest-growing unions in the United States represent ____ (more than 51% of all union members)

answer

white-collar professionals

question

The Japanese value _____ and tend to resolve conflict by emphasizing status differences between the parties.

answer

collectivism

question

Distinctive features of the U.S. system compared with other countries includes:

answer

All of the above

question

In win-lose, or _____, the goals of the parties are irreconcilable, or at least they appear that way.

answer

distributive bargaining

question

Among employees who see management as unwilling to share power, more than ___ percent say they would vote for a union.

answer

70

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