CBP Leave and Work-Life Benefits 2 — Questions and Answers
Question 1: What is the maximum duration of short-term disability benefits typically provided under employer-sponsored STD plans?
- 2 weeks
- 3-6 months (Correct answer)
- 12 months
- 24 months
Correct answer: 3-6 months
Short-term disability plans typically provide benefits for 3 to 6 months (up to 26 weeks), after which long-term disability coverage may begin if the employee remains disabled.
Question 2: Under the ADA, what must an employer do when an employee's disability requires modifications to their work schedule or duties?
- Immediately terminate the employee to avoid liability
- Engage in an interactive process to identify a reasonable accommodation (Correct answer)
- Automatically grant full FMLA leave
- Transfer the employee to a lower-paying position without discussion
Correct answer: Engage in an interactive process to identify a reasonable accommodation
The ADA requires employers to engage in an interactive, good-faith dialogue with the employee to identify effective reasonable accommodations that do not impose undue hardship.
Question 3: What is an Employee Assistance Program (EAP) designed to provide?
- Supplemental health insurance for high-cost claims
- Confidential assessment and short-term counseling for personal and work-related problems (Correct answer)
- Financial incentives for wellness program participation
- Retirement planning advice
Correct answer: Confidential assessment and short-term counseling for personal and work-related problems
EAPs offer employees and their families confidential, short-term counseling, referral, and follow-up services for personal, family, financial, and work-related challenges.
Question 4: Which federal law protects employees called to military duty by requiring employers to hold their jobs and restore their benefits upon return?
- FMLA
- ADA
- USERRA (Correct answer)
- SCRA
Correct answer: USERRA
The Uniformed Services Employment and Reemployment Rights Act (USERRA) protects the reemployment rights and benefits of employees who leave for military service.
Question 5: What is 'intermittent FMLA leave'?
- FMLA leave taken all at once in a single continuous block
- FMLA leave taken in separate blocks of time or by reducing the usual weekly or daily work schedule (Correct answer)
- Leave taken only during medical emergencies
- Leave limited to 5 consecutive days at a time
Correct answer: FMLA leave taken in separate blocks of time or by reducing the usual weekly or daily work schedule
Intermittent FMLA allows employees to take leave in separate, non-consecutive periods (e.g., a few hours per week for treatments) when medically necessary for a qualifying condition.
Question 6: Under a voluntary short-term disability plan, who typically pays the premium to ensure that benefits are received tax-free by the employee?
- The employer pays all premiums
- The employee pays premiums with after-tax dollars (Correct answer)
- The employer and employee share premiums equally
- Premiums are paid from the HSA
Correct answer: The employee pays premiums with after-tax dollars
When employees pay STD premiums with after-tax dollars, the disability benefit payments they receive are income tax-free; if the employer pays, benefits are taxable to the employee.
CBP Leave and Work-Life Benefits 2
What is the maximum duration of short-term disability benefits typically provided under employer-sponsored STD plans?