Practice Test Geeks(PCA) Personal Care Assistant Practice Test
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Benefits Flashcards

7 cards from real PCA practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Benefits flashcards as text

  1. During open enrollment, a PCA employee who misses the deadline to select health coverage must generally wait until the next open enrollment unless they experience a:

    Answer: Qualifying life event (QLE)

    A qualifying life event — such as marriage, birth of a child, or loss of other coverage — triggers a Special Enrollment Period outside of open enrollment.

  2. COBRA continuation coverage allows a departing PCA employee to keep employer-sponsored health insurance for up to how many months after losing job-based coverage?

    Answer: 18 months

    COBRA generally provides 18 months of continuation coverage for employees who lose health benefits due to job loss or reduced hours.

  3. A PCA employer offers a 401(k) plan with a 3% employer match. If an employee earns $30,000 and contributes 3%, how much will the employer contribute per year?

    Answer: $900

    3% of $30,000 = $900; a full 3% employer match equals $900, doubling the employee's own 3% contribution at that threshold.

  4. A Health Savings Account (HSA) is only available to individuals enrolled in which type of health plan?

    Answer: A High-Deductible Health Plan (HDHP)

    HSA eligibility requires enrollment in an IRS-qualified High-Deductible Health Plan; HSA funds grow tax-free and roll over year to year.

  5. Short-term disability insurance, often offered as a workplace benefit to PCAs, typically replaces what percentage of an employee's income during a covered illness?

    Answer: 60-70%

    Short-term disability plans commonly replace 60-70% of pre-disability earnings, subject to a maximum weekly benefit, for periods up to 26 weeks.

  6. A PCA who names their spouse as the primary beneficiary on a life insurance policy means the spouse will receive the death benefit in which scenario?

    Answer: If the PCA dies while the policy is in force

    A named primary beneficiary receives the policy's death benefit when the insured dies while the policy is active, regardless of how long the policy has been held.

  7. A Dependent Care Flexible Spending Account (DCFSA) allows PCA employees to set aside pre-tax dollars to pay for which type of expense?

    Answer: Childcare or adult day care costs for eligible dependents

    A DCFSA covers work-related dependent care expenses such as daycare, after-school care, or adult day programs for qualifying dependents.