1. Which of the following is a disadvantage of cafeteria-style plans?

Employees lack freedom in selecting their individual plans.

Employees lack a true understanding of the value of the benefits.

Employees’ pay will be reduced when they ask for a benefit.

Employees have to pay extra for receiving more benefits.

Employees’ selection of benefits leads to difficulty in estimating costs.

2. According to the Patient Protection and Affordable Care Act (2010), which of the following is true of healthcare benefits?

The law requires companies to offer health insurance benefits.

The law provides an employer the choice of paying a penalty or meeting the standards.

The choice of providing penalty depends on the number of laid-off employees.

Small organizations pay an Employer Shared Responsibility Payment.

The law covers the medical expenses of domestic partners.