Term
| Employee benefits are also called? |
|
Definition
|
|
Term
| rewards that employees receive for being members of the organization and for their positions in the organization |
|
Definition
|
|
Term
| employee benefits are usually not related to employee ________________. |
|
Definition
|
|
Term
| due to significance of benefits to total compensation many employers have dripped the work fringe why? |
|
Definition
| because it seems to minimize the importance of benefits |
|
|
Term
| 5 major categories of employee benefits |
|
Definition
1. Legally Required
2. Retirement Related
3. Insurance Related
4. Payment for time not worked
5. "Other" |
|
|
Term
| prior to this employee benefits were not widespread |
|
Definition
|
|
Term
| what did the Social Security Act do? |
|
Definition
mandated certain benefits
and
increased public's awareness of benefits |
|
|
Term
| _______ generally viewed as birth years for employee benefits |
|
Definition
|
|
Term
| 3 legally required benefits? |
|
Definition
1. social security
2. unemployment compensation benefits
3. worker's compensation benefits |
|
|
Term
| federally administered insurance system |
|
Definition
|
|
Term
| _______________ and ____________ must pay into social security system |
|
Definition
|
|
Term
| Must contribute to social security at a rate Higher than that paid by average employee, but Lower than combined percentage paid by both employer and employee |
|
Definition
|
|
Term
| 3 major categories of Social Security Payments |
|
Definition
1. Retirement Benefits
2. Disability Benefits
3. Health Insurance |
|
|
Term
| to get social security retirement benefits you must be what? |
|
Definition
| at least 62 and fully insured under the system |
|
|
Term
| full retirement begins for those born before 1938 at what age? |
|
Definition
|
|
Term
| those born 1960 or later the age requirement for social security benefits rises to ? |
|
Definition
|
|
Term
| fully insured = ____credits |
|
Definition
|
|
Term
| max # of credits that can be earned a year? |
|
Definition
|
|
Term
| those who retire early from age 62 to full retirement age receive lower payments defined by? |
|
Definition
1. exact age at retirement
2. earnings from "gainful employment" |
|
|
Term
| earnings from "gainful employment" do not include? |
|
Definition
| investments and pensions or other retirement programs |
|
|
Term
| size of retirement benefits varies based on individual's ___________ during covered employment |
|
Definition
|
|
Term
| Social Security Pensions may be granted to eligible employees who have a disability expected to? |
|
Definition
| last at least 12 months or results in death |
|
|
Term
| # of credits needed to qualify for disability benefits depends on a person's______ |
|
Definition
|
|
Term
| normally _____ credits must be earned in _______ years before becoming disabled |
|
Definition
|
|
Term
| health insurance Provides partial hospital and medical reimbursement for persons age ___and over |
|
Definition
|
|
Term
| Helps pay for medical procedures and supplies that are completely separate from hospital care |
|
Definition
|
|
Term
Inpatient hospital expenses
Skilled nursing care, Hospice care, and other related expenses. |
|
Definition
|
|
Term
| Normal outpatient visits and checkups would fall under |
|
Definition
|
|
Term
| Users receives all their health care services through provider organization (HMO, PPO, etc.). Can include prescription drug coverage |
|
Definition
|
|
Term
| Voluntary; costs are paid via monthly premiums of enrollees and Medicare |
|
Definition
|
|
Term
| financial crises in SS is due to major _____________ |
|
Definition
|
|
Term
| What 3 things does the SS Board estimate? |
|
Definition
1. payments will soon exceed income
2. follower by increasingly large deficits
3. by 2040 SS assets will be depleted |
|
|
Term
| What must congress do to resolve the SS imbalance? |
|
Definition
1. cut social security benefits
2. increase revenue to the program
3. or enact some combination of these options |
|
|
Term
| Insurance to provide funds to employees who have lost their jobs and are seeking other jobs |
|
Definition
| unemployment compensation |
|
|
Term
| ______________ requires employers to pay taxes for unemployment compensation |
|
Definition
|
|
Term
| unemployment taxes paid by the employer go to the? |
|
Definition
|
|
Term
| what 3 eligibility requirement things must an individual submit to receive unemployment compensation? |
|
Definition
1. Covered by SS for min number of weeks
2. “laid off”
3. Willing to accept any suitable employment offered through state’s unemployment compensation commission |
|
|
Term
| Generally, unemployment compensation is limited to a maximum of ____ weeks |
|
Definition
|
|
Term
| Extended benefits can continue up to an additional _____ weeks during times of high unemployment. |
|
Definition
|
|
Term
| Since passage of ___________ , unemployment compensation is fully taxable. |
|
Definition
|
|
Term
| requires all profit-making employers to pay tax on first $7,000 of wages paid to each employee: |
|
Definition
| Federal Unemployment Tax Act |
|
|
Term
| Insurance protecting employees from loss of income and extra expenses associated with job-related injuries or illness |
|
Definition
|
|
Term
| _____________ is normally paid through an insurance program financed through premiums paid by employers. |
|
Definition
|
|
Term
| large number of paid claims results in ______________. |
|
Definition
|
|
Term
| When it is elective, employers who reject the coverage also give up certain legal protections |
|
Definition
|
|
Term
| benefits paid are generally 4 types of disability |
|
Definition
Permanent partial disability
Permanent total disability
Temporary partial disability
Temporary total disability |
|
|
Term
| _________________ are usually covered in full under workers comp laws |
|
Definition
|
|
Term
| what is a "no fault" system? |
|
Definition
| all job related injuries and illnesses are covered regardless of where fault from the disability is placed |
|
|
Term
| Retirement and pension plans provide a source of income to retired people; represent money paid for past services |
|
Definition
|
|
Term
| Financed by money set aside previously for that specific purpose. |
|
Definition
|
|
Term
| Recipients paid out of current contributions to fund |
|
Definition
|
|
Term
| Employer pledges to provide benefit determined by a formula at employee’s retirement date |
|
Definition
|
|
Term
| Calls for a fixed or known annual contribution instead of a known benefit. |
|
Definition
| defined contribution plan |
|
|
Term
| Inherent promise of security in some form exists in every retirement and pension plan |
|
Definition
|
|
Term
| Rights of employees to receive dollars paid into a pension or retirement fund by their employer if they leave organization prior to retirement |
|
Definition
|
|
Term
| Employees meeting certain age and service requirements enjoy full vested rights |
|
Definition
|
|
Term
| Gradually gives employee increasing % of benefits until age and service requirements for full vesting |
|
Definition
|
|
Term
| ______________________Have a specified formula for calculating benefits |
|
Definition
|
|
Term
| All participants who meet eligibility requirements receive fixed benefit regardless of their earnings |
|
Definition
|
|
Term
| most popular benefit approach for salaried employees |
|
Definition
|
|
Term
| If hourly and salaried employers are both affected, formula may be modified to provide a minimum dollar benefit for participants in lower pay classifications. |
|
Definition
| final average pay formula |
|
|
Term
| only employer contributes |
|
Definition
|
|
Term
| both employee and employer contribute |
|
Definition
|
|
Term
| most popular type of defined contribution plan |
|
Definition
|
|
Term
| similar to 401k plans except they may nly be used in not for profit organizations |
|
Definition
| 403b Tax Deferred Annuity |
|
|
Term
| If hourly and salaried employers are both affected, formula may be modified to provide a minimum dollar benefit for participants in lower pay classifications. |
|
Definition
| ERISA Employee Retirement Income Security Act |
|
|
Term
| No vesting during first 5 years of service; participant becomes fully vested after 5 years of service. |
|
Definition
|
|
Term
| Participant becomes 20% vested after 3 years of service, with an additional 20% vesting per year until participant is 100% percent vested after 7 years of service. |
|
Definition
|
|
Term
| _____________ gave employees vesting rights sooner than under ERISA and other laws |
|
Definition
|
|
Term
| some organizations encourage this with incentives |
|
Definition
|
|
Term
| Individual pension plan for employees not covered by private pension plans |
|
Definition
| IRA Individual Retirement Accounts |
|
|
Term
| Retirement plan allows small businesses and sole proprietors to make deductible contributions |
|
Definition
|
|
Term
| Especially attractive for young employees because of the long-term growth potential of the investment |
|
Definition
|
|
Term
| Employer pays either entire premium or a portion of it, with employee responsible for the balance. |
|
Definition
| Company-sponsored medical insurance |
|
|
Term
| many health insurance plans cover? |
|
Definition
1. Hospitalization and outpatient physician bills
2. Prescription drugs
3. Dental, Eye, and mental health care |
|
|
Term
| what r the 2 distinct health insurance plans? |
|
Definition
| base plan and major medical expense plan |
|
|
Term
| Two of the most popular types of Managed Care |
|
Definition
1. Health Maintenance Organization (HMO)
2. Preferred Provider Organization (PPO) |
|
|
Term
| one of the fastest growing types of employee benefits |
|
Definition
|
|
Term
| Employee must meet a certain length-of-service requirement before becoming eligible for? |
|
Definition
|
|
Term
| federal law to ensure safe and healthful working conditions for every working person |
|
Definition
| Occupational Safety and Health Act 1970 |
|
|
Term
| applies to all businesses with one or more employees ( except self-employed persons) |
|
Definition
| Occupational Safety and Health Act |
|
|
Term
| covers situation not addressed by specific standards and requires employers to comply with the intent of the act |
|
Definition
|
|
Term
| What are some OSHA responsibilities? |
|
Definition
1. encourage employers and employees to reduce workplace hazards
2.mandatory job safety and health standard and enforce them
3.Promote safe and healthful work environments through cooperative programs, partnerships, alliances
4. responsibilities and rights for employers and employees
5. innovate ways of dealing with workplace hazards
6. employers must keep records
7. training programs
8. technical and compliance assistanct and training
9. partnership with states
10. consultation programs |
|
|
Term
|
Definition
Toxic substances and Harmful physical agents
Electrical; Fall; and Fire and explosion hazards
Hazardous wastes
Infectious diseases
Dangerous atmospheres
Machine hazards |
|
|
Term
| _________ are standards relating to employee health and safety |
|
Definition
|
|
Term
| ________________________ regularly publishes all OSHA standards and amendments |
|
Definition
|
|
Term
| ______________is responsible for being familiar with OSHA standards and ensuring that organization complies with them. |
|
Definition
|
|
Term
| OSHA can initiate standards __________ or on __________ from other parties |
|
Definition
|
|
Term
| NIOSH is an agency under _____ |
|
Definition
| HHS: Security of Health and Human Services |
|
|
Term
| Conducts research on safety and health problems and recommends most standards adopted by OSHA |
|
Definition
|
|
Term
| Employers have the right to require that OSHA obtain a search warrant before being admitted; Court ruled that “probable cause” needed to obtain a search warrant would be much less than required in a criminal matter. |
|
Definition
| Marshall vs. Barlow's Inc |
|
|
Term
| Under what conditions does OSHA inspect? |
|
Definition
1. imminent danger
2. catastrophes and fatal accidents
3.employee complaints
4. referrals
5. planned inspections in industries
6. follow ups |
|
|
Term
| Representatives of employer should always ask to see an inspector's what? |
|
Definition
|
|
Term
| often someone from HR for OSHA inspections |
|
Definition
|
|
Term
| Usually selected directly by employees or union if one is present |
|
Definition
|
|
Term
| What 3 things does a OSHA inspector explain? |
|
Definition
1. Purpose of Visit
2. Scope of Inspection
3. Standards that apply |
|
|
Term
| inspector has authority to issue citations at the work site _____________ following the closing conference. |
|
Definition
|
|
Term
| Once citation is received, employer is required to ______ a copy of citation at (or near) place violation occurred for at least _____ days or until violation is correct...whichever is longer |
|
Definition
|
|
Term
| under certain conditions, can be adjusted downward. |
|
Definition
|
|
Term
| All employers must report to OSHA within 8 hours of learning about what? |
|
Definition
1. employee work related death
2. hospitalization of 3 or more employees from work related injuries
3. fatal heart attacks |
|
|
Term
| Employers of 11 or more must meet what OSHA record-keeping requirements? |
|
Definition
1. maintain record of occupational injuries and illnesses and make them accessible
2. post annual summary of occupational injuries
3.keeping up wiht additional requirements |
|
|
Term
| 3 Record Keeling Forms for OSHA |
|
Definition
1.OSHA Form 300
2.OSHA Form 300A
3.OSHA Form 301 |
|
|
Term
| Log of Work-Related Injuries and Illnesses |
|
Definition
|
|
Term
| Summary of Work-Related Injures and Illnesses |
|
Definition
|
|
Term
| Injury and Illness Incident Report |
|
Definition
|
|
Term
| Employers must log each occupational injury and illness within 6 working days from time employer learns of it |
|
Definition
|
|
Term
| Employer must post copies of previous year’s records no later than February 1, and keep them up at least through April 30 |
|
Definition
|
|
Term
More data about how injury/illness occurred
Must be completed within 7 calendar days from time employer learns of work-related injury/illness |
|
Definition
|
|
Term
| ALl OSHA forms must be kept for how loing? |
|
Definition
|
|
Term
| Personal acts cause as much as ____ percent of organization accidents |
|
Definition
|
|
Term
| Unsafe Personal acts include... |
|
Definition
Taking unnecessary risks or unsafe shortcuts
Horseplay
Failing to wear protective equipment
Using improper tools and equipment |
|
|
Term
| What are some potential reason for the cause of accidents? |
|
Definition
Fatigue, Haste, Boredom, or Stress
Poor eyesight
Daydreaming |
|
|
Term
| Two most widely accepted methods for measuring organization’s safety record |
|
Definition
1. Accident Frequency
2. Accident Severity |
|
|
Term
| How often disabling injuries occur |
|
Definition
|
|
Term
| Cause employee to miss one or more days of work following an accident. Also known as “lost-time” injuries |
|
Definition
|
|
Term
| calculating length of time injured employees were out of work. |
|
Definition
|
|
Term
| Only ________________ are used in determining frequency and severity rates. |
|
Definition
|
|
Term
| Frequency rate or Severity rate is meaningful only when compared with similar figures for what 3 things? |
|
Definition
1. other departments or divisions
2. for the previous year
3. for other oganization |
|
|
Term
| Organization’s safety record can be __________________ through these comparisons |
|
Definition
|
|
Term
| 4 Elements in most successful safety programs |
|
Definition
1. support of management
2. responsible managers
3. positive attitude
4. someone in charge of safety program |
|
|
Term
| examine accident and injury records and talk to department heads about perceived needs |
|
Definition
|
|
Term
| what 3 questions does establishing a safety training program find out? |
|
Definition
Where problems are located?
What potential causes might be?
What has been done in the past to correct them? |
|
|
Term
| Written tests, employee interviews, and general observations |
|
Definition
| used to gauge level of employees’ safety skills |
|
|
Term
| after implementing management needs to __________________ the safety programs ______________ |
|
Definition
|
|
Term
| may cost industry as much or more than occupational accidents |
|
Definition
|
|
Term
| ________ has dropped in recent years but _____ has risen in the same period |
|
Definition
injuries and illnesses
illnesses |
|
|
Term
| U.S. Department of Labor uses four major categories to classify occupational illnesses |
|
Definition
Occupational skin diseases or disorders
Respiratory conditions due to toxic agent
Poisoning
All other occupational illnesses |
|
|
Term
| Requires pretesting of certain new chemicals marketed each year |
|
Definition
| Toxic Substance Control Act (1976 |
|
|
Term
| OSHA rule requires organizations to? |
|
Definition
| Measure for safety and record employee exposure |
|
|
Term
| Medical records must be made available to? |
|
Definition
| Employees, their Representatives, and OSHA |
|
|
Term
| occupational health hazard records must be kept for how long? |
|
Definition
|
|
Term
to ensure employers and employees know:
What chemical hazards exist in their workplace
How to protect themselves against those hazards |
|
Definition
|
|
Term
| what is the goal of hazardness communication? |
|
Definition
| Reduce incidence of illness and injuries caused by chemicals |
|
|
Term
| ________________________ensures uniform requirements. |
|
Definition
| Hazard Communication Standard |
|
|
Term
| Mental and physical condition that results from a perceived threat of danger (physical or emotional) and the pressure to remove it |
|
Definition
|
|
Term
| Potential for _________ exists when environmental situation presents a demand threatening to exceed a person’s capabilities and resources for meeting it |
|
Definition
|
|
Term
|
Definition
Tension and migraine headaches
Coronary heart disease
High blood pressure
Muscle tightness in chest, neck, and lower back
Bronchial asthma
Rheumatoid arthritis |
|
|
Term
| excess or prolonged stress can adversely affect personal factors |
|
Definition
| psychological perspective |
|
|
Term
| Cost of ________ for employers is estimated at over $300 billion annually as assessed |
|
Definition
|
|
Term
| Occurs when work is no longer meaningful to a person. Can result from stress or a variety of other work-related or personal factors |
|
Definition
|
|
Term
| actions to reduce burnout |
|
Definition
Redesigning jobs
Clarifying expectations
Changing work schedules
Improving physical working conditions
Training jobholders |
|
|
Term
| To reduce ______ identify jobs with highest potential for burnout |
|
Definition
|
|
Term
| Estimates that ____________ and ___________ abuse costs American economy $276 billion per year |
|
Definition
|
|
Term
Reduced productivity
Reduced work quality
Damage to property and equipment
Theft
Lower morale
Safety violations
Poor decision making |
|
Definition
| results from substance abuse |
|
|
Term
| Economic loss to employer of an alcoholic employee estimated at ____% of employee’s wages |
|
Definition
|
|
Term
| Many organizations have _________ alcoholic treatment programs |
|
Definition
|
|
Term
| ________ is often more difficult to detect than alcohol abuse |
|
Definition
|
|
Term
| Estimated that ____% of fulltime employees in U.S. currently use illicit drugs |
|
Definition
|
|
Term
| Estimated that ____% of all drug users are employed |
|
Definition
|
|
Term
| ________________ is less prevalent in small businesses |
|
Definition
|
|
Term
| Employer can be exposed to liability for ___________ for making a false accusation of drug or alcohol use |
|
Definition
|
|
Term
| many view ______________ as an invasion of privacy |
|
Definition
|
|
Term
| ______________ or _____________ testing is a new form of testing for drugs |
|
Definition
| performance or impairment testing |
|
|
Term
| includes testin in uniform ________________ agreements and have the new employee sign them |
|
Definition
| pre employment agreements |
|
|
Term
| those performing tests do not know the identity of those being tested |
|
Definition
|
|
Term
| all drug testing result must be____________ |
|
Definition
|
|
Term
| Vocational Rehabilitation Act and state laws offer certain protection to employees infected with _______ |
|
Definition
|
|
Term
| Vocational Rehabilitation Act applies to |
|
Definition
Federal contractors (contract of $2,500 or more)
Subcontractors to such an employer
Recipients of federal financial aid
Federal agencies |
|
|
Term
| AIDS-infected employees may file _____________________ suits if employment opportunities are denied solely on the basis of having AIDS |
|
Definition
|
|
Term
| infected employee is not protected by the act when? |
|
Definition
Does not meet provision for being handicapped.
Is not otherwise qualified.
Does pose a threat to others |
|
|
Term
| do not pose undue financial or administrative burdens on employer |
|
Definition
| reasonable accomidationgs |
|
|
Term
| Company-sponsored programs designed to help employees with personal problems |
|
Definition
| Employee Assistant Programs EAPs |
|
|
Term
|
Definition
Alcohol and drug abuse
Depression and Anxiety
Domestic trauma
Financial problems
Other psychiatric/medical problems |
|
|
Term
| results of personal problems |
|
Definition
-Reduced Productivity
-Absenteeism and tardiness
-Increased costs of insurance programs, including sickness and accident benefits
-Lower Morale
-More Friction among employees, and between supervisors and employees.
-More Grievances
-Permanent loss of trained employees due to disability, retirement, and death |
|
|
Term
| Help employee balance work and non-work demands |
|
Definition
|
|
Term
| types of work/life programs |
|
Definition
-Flexible work schedules and Job sharing
-Telecommuting
-Flexible benefits
-Wellness programs
-Child-care and elder-care assistance
-Sick-leave policies |
|
|
Term
| ________________and _______________ couples with children have significant impact on need for programs |
|
Definition
Single-parents
dual-career |
|
|
Term
| Designed to prevent illness and enhance employee wellness |
|
Definition
|
|
Term
| documented benefits of wellness programs |
|
Definition
1. fewer sick days
2. reduces heart disease
3. lower medical costs
4. imcrease employee productivity |
|
|
Term
| Nearly __% of U.S. private businesses experienced a violent incident in past 12 months. |
|
Definition
|
|
Term
| 5,500 incidents of workplace violence every day, with ___ workplace homicides per week in U.S |
|
Definition
|
|
Term
| Only ___% of companies have written policies on workplace violence |
|
Definition
|
|
Term
| Companies must concentrate on avoiding or _________________ violence rather than simply dealing with it after it occurs |
|
Definition
|
|
Term
| Violence is much less likely to take place in an environment where employees feel ___________and believe they are treated with ____________ |
|
Definition
|
|
Term
| Screen out potential employees whose histories show a propensity to __________ |
|
Definition
|
|
Term
| to avoid workplace violence employers should adopt a ? |
|
Definition
|
|
