Chapter 9

Welfare Practices

Anything for the comfort and improvement, intellectual or social, of the employees, over and above wages paid, which is not a necessity of the industry nor required by law.

Employee Retirement Income Security

Employer-sponsored plans do not replace disability benefits mandated by law.

Short- Term Disability Insurance

Provides benefits for a limited time, usually less than 6 months

Long-Term Disability Insurance

Provides benefits for extended periods between 6 months and life.

Universal Life Insurance

Provides protection to employees beneficiaries based on the insurance feature of term life insurance and more flexible savings or cash accumulation plan than found in whole life insurance plans.

Flexible Scheduling and Leave Day Care

allows employees the leeway to take time off during work hours to care for relatives or react to emergencies.

Weight Control and Nutrition Programs

are designed to educate employees about proper nutrition and wight loss, both o which are critical to good health.

Sabbatical Leaves

are paid time off for such professional activities as a research project or curriculum development.

Short-term Disability

as an inability to perform the duties of one's regular job.

Integrated Paid Time off Policies

combine holiday,vacation, sick leave, and personal leave policies into a single paid time off policy.

Paid Time off Banks

combine holiday,vacation, sick leave, and personal leave policies into a single paid time off policy.

Outplacement Assistance

companies that provide technical and emotional support to employees who are being laid off or terminated.

Employee Assistance Programs (EAPs)

help employees cope with such personal problems that may impair their job performance as alcohol or drug abuse, domestic violence, the emotional impact of aids and other diseases, clinical depression and eating disorders.

Family Assistance Programs

help employees provide elder care and child care.

Long-Term Disability

initially refers to illnesses or accidents that prevent an employee from performing his or her "own occupation" over a designated period.

Pre-Existing Condition

is a mental of physical disability for which medical advice, diagnosis, care, or treatment was received during a designated period preceding the beginning of disability insurance coverage.

Exclusion Provisions

list the particular health conditions that are ineligible for coverage. Disabilities that result from self inflicted injuries are almost always excluded.

Partial Disabilities Inclusion

long-term carriers provide supplemental benefits to cover a portion of income loss associated with part-time employment.

Whole Life Insurance

pays an amount to the designated beneficiaries of the deceased employee, but unlike term policies, whole life plans do not terminate until payment is made to

Stress Management

programs can help employees cope with many factors inside and outside work that contribute to stress.

Transportation Services

programs that help bring employees to the workplace and back home again by using more energy-efficient forms of transportation.

Life Insurance

protects employees with families by paying a specified amount to an employees beneficiaries upon the employee's death.

Pension Plans

provide income to employees and their beneficiaries during some or all of their retirement.

Retirement Programs

provide income to employees and their beneficiaries during some or all of their retirement.

Volunteerism

refers to giving of one's time to support a meaningful cause.

Elimination Period

refers to the minimum amount of time an employee must wait after becoming disabled before disability insurance payments begin.

Preeligibility Period

spans from the initial date of hire to the time of eligibility period has expired.

Smoking Cessation

stress reduction, nutrition, and weight loss , exercise and fitness activities, and health-screening programs are the most common workplace wellness programs.

Term Life Insurance

the most common type offered by companies, provides protection to employees' beneficiaries only during a limited period based on a specified number of years subject to a maximum age.

Wellness Programs

to promote and maintain employees physical and psychological health.

Tuition Reimbursement Programs

to promote their employees education. Under tuition reimbursement program, an employer fully or partially reimburses an employee for expenses incurred for education or training.