New York Child Abuse Identification and Reporting Practice Exam

Which insurance plans are commonly offered through the worksite (employer sponsored) EXCEPT?

1. Life Insurance

2. Health Insurance

3. Disability Insurance

4. Medicare

The correct answer is: Medicare

Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as for some younger individuals with disabilities. Unlike the other options listed, Medicare is not offered through employer-sponsored plans, as it is a government program independent of employment status. In contrast, life insurance, health insurance, and disability insurance are commonly provided as part of employee benefits packages. Employers often offer these types of insurance to attract and retain talent, ensuring that their employees have access to essential healthcare services and financial protection in case of unforeseen events. These insurances generally allow employees to enroll during open enrollment periods or within specific time frames after accepting a job, highlighting their direct connection to workplace offerings. This distinction underscores why Medicare is the exception in this context: it does not fall under the umbrella of employer-sponsored insurance plans, rather functioning as a separate system designed to provide healthcare support based on age or disability status.