Benefits are another core element of a Total Rewards Program that no longer focuses primarily on insurance benefits. Benefits are designed to help protect and ensure financial security and includes retirement plans, health and welfare plans, and programs that provide pay for time not worked.

Identify at least one nonmandatory or voluntary plan that you feel should be made mandatory and why.
Identify one of the impacts of Medicare Reform and identify how the identified impact has affected employers and/or employees.
What are the major differences between a Preferred Provider Organization (PPO) and a Health Maintenance Organization (HMO)?
Describe the characteristics of an employee that would benefit the most from choosing a PPO. Do the same for an employee that would benefit the most from choosing an HMO.
Share your experiences in your narrative.