Test Bank for Employee Benefits A Primer for Human Resource Professionals 5th Edition Joseph Martocchio Download

Test Bank for Employee Benefits A Primer for
Human Resource Professionals 5th Edition Joseph
Martocchio Download download
https://testbankmall.com/product/test-bank-for-employee-benefits-
a-primer-for-human-resource-professionals-5th-edition-joseph-
martocchio-download/
Visit testbankmall.com today to download the complete set of
test bank or solution manual

We have selected some products that you may be interested in
Click the link to download now or visit testbankmall.com
for more options!.
Test Bank for Employee Benefits, 6th Edition, Joseph
Martocchio
https://testbankmall.com/product/test-bank-for-employee-benefits-6th-
edition-joseph-martocchio/
Solution Manual for Human Resource Management 15th Edition
Martocchio •
https://testbankmall.com/product/solution-manual-for-human-resource-
management-15th-edition-martocchio/
Test Bank for Strategic Compensation, 10th Edition, Joseph
J. Martocchio
https://testbankmall.com/product/test-bank-for-strategic-
compensation-10th-edition-joseph-j-martocchio/
Test Bank for Medical Surgical Nursing 1st Edition by
Hoffman
https://testbankmall.com/product/test-bank-for-medical-surgical-
nursing-1st-edition-by-hoffman/

Test Bank for Statistics for Business & Economics 14th by
Anderson
https://testbankmall.com/product/test-bank-for-statistics-for-
business-economics-14th-by-anderson/
Test Bank for Brunner and Suddarth’s Textbook of Medical
Surgical Nursing 12th Edition Suzanne C. Smeltzer
https://testbankmall.com/product/test-bank-for-brunner-and-suddarths-
textbook-of-medical-surgical-nursing-12th-edition-suzanne-c-
smeltzer-2/
Solution Manual for Fundamentals of Law Office Management,
5th Edition
https://testbankmall.com/product/solution-manual-for-fundamentals-of-
law-office-management-5th-edition/
Test Bank for Introduction to Leadership Concepts and
Practice, 5th Edition Peter G. Northouse
https://testbankmall.com/product/test-bank-for-introduction-to-
leadership-concepts-and-practice-5th-edition-peter-g-northouse/
Test Bank for Security Policies and Procedures: Principles
and Practices : 0131866915
https://testbankmall.com/product/test-bank-for-security-policies-and-
procedures-principles-and-practices-0131866915/

Solution Manual for C++ Programming: Program Design
Including Data Structures, 6th Edition D.S. Malik
https://testbankmall.com/product/solution-manual-for-c-programming-
program-design-including-data-structures-6th-edition-d-s-malik/

Chapter 01 - Introducing Employee Benefits
1-2
© 2014 by McGraw-Hill Education. This is proprietary material solely for authorized instructor use. Not authorized for sale or
distribution in any manner. This document may not be copied, scanned, duplicated, forwarded, distributed, or posted on a website, in
whole or part.
5. Health insurance is a legally required benefit for all private sector employers? (Health
Protection Programs)
FALSE
6. The Federal Insurance Contributions Act (FICA) helps support the Old-Age, Survivor, and
Disability Insurance (OASDI). (Government Regulation of Employee Benefits)
TRUE

1-3
whole or part.
7. Employer-sponsored disability insurance is less encompassing than workers’ compensation.
(Disability Insurance)
FALSE
8. Defined benefits plans, defined contribution plans and hybrid plans are types of health
insurance funding plans. (Income Protection Programs)
FALSE
9. Strategic benefit plans emphasize short-term changes in how a company's benefit plan
operates. (Basic Strategic Planning Concepts)
FALSE
10. The top-down approach to strategic benefits planning is a reactive process that evaluates the
benefits program only after problems arise. (Approaches to Strategic Benefit Planning)
FALSE
11. Incentive-pay rewards employees for completely attaining predetermined work
objectives. (Adjustments to Core Compensation)
FALSE
12. Workers' compensation insurance programs, run by the federal government, are designed to
cover employee expenses incurred in work-related accidents and injuries. (State Compulsory
Disability Laws (Workers’ Compensation))
FALSE
13. Merit-pay rewards employees according to their job performance. (Adjustments to Core
Compensation)
TRUE

1-4
whole or part.
14. Total compensation represents both monetary and nonmonetary rewards. (Employee Benefits
in the Total Compensation Scheme)
TRUE
15. Strategic decisions support the fulfillment of tactical decisions. (Basic Strategic Planning
Concepts)
FALSE
16. Unemployment insurance is funded solely by the Federal Unemployment Tax Act
(FUTA). (Government Regulation of Employee Benefits)
FALSE
17. Core compensation is another name for monetary rewards. (Employee Benefits in the Total
Compensation Scheme)
TRUE
18. Nonmonetary compensation includes protection programs, paid time off and
services. (Employee Benefits in the Total Compensation Scheme)
TRUE
19. Employees' knowledge and skills are said to generate human capital for firms and are the
basis for incentive-pay. (Adjustments to Core Competition)
FALSE
20. The Social Security Act was enacted due to the effects of WWII. (The Social Security Act of
1935)
FALSE

1-5
whole or part.
21. Union workers cannot negotiate paid time off benefits. (Paid Time-Off)
FALSE
22. ERISA does not apply to public sector retirement plans. (Legal and Regulatory Influences on
Discretionary Benefits Practices)
TRUE
23. Benefits are defined as compensation that includes wages and salary as well as other
services. (Defining Employee Benefits)
FALSE
24. Benefits are a central strategy in attracting and retaining desired employees. (Basic Strategic
Planning Concepts)
TRUE
25. Vacations are a type of accommodation benefit. (Paid Time-Off)
FALSE
26. Protection programs provide health benefits. (Health Protection Programs)
TRUE
27. Compensation levels are established based on employee age. (Adjustments to Core
Compensation)
FALSE

1-6
whole or part.
28. Workers' compensation laws are state laws. (State Compulsory Disability Laws (Workers’
Compensation))
TRUE
29. Life insurance programs protect employees' families in the event of untimely illness. (Income
Protection Programs)
FALSE
30. Employees are most likely to endorse benefits that fulfill their needs. (Basic Design
Considerations for Discretionary Benefits)
TRUE
31. Incentive-pay is a permanent increase of compensation based on individual goal
achievement. (Adjustments to Core Compensation)
FALSE
32. In financing discretionary benefits, employers always pay the total cost incurred. (Basic
Design Considerations for Discretionary Benefits)
FALSE
33. Since the 1940s, companies have expanded their discretionary benefits as an alternative to
wage increase or as a motivational tool. (Origins of Employee Benefits)
TRUE
34. The existence of labor union has limited the use of welfare practices by companies. (Origins
of Employee Benefits)
FALSE

1-7
whole or part.
Multiple Choice Questions
35. Which is the following is NOT the reason for companies to adopt various benefits plans?
(Defining and Exploring Employee Benefits)
A. Government regulation/mandates
B. Favorable tax treatments
C. Attracting and retaining best employees
D. Reducing labor cost
36. What is another name for a pay-for-knowledge plan? (Adjustments to Core Compensation)
A. Merit-pay
B. Person-focused pay
C. Seniority-pay
D. Incentive-pay
37. Discretionary benefits can be categorized into programs that (Discretionary Benefits)
A. Protect health and income, provide job security, provide accommodation and enhancement
benefits
B. Provide job security, protect health and income, allow for paid time-off
C. Protect health and income, allow for paid time-off, provide accommodation and enhancement
benefits
D. Provide job security, allow for paid time-off, provide accommodation and enhancement
benefits
38. Which is the following is NOT the element of discretionary benefits? (Discretionary
Benefits)
A. Retirement plans
B. Workers’ compensation
C. Health insurance
D. Paid vacations

1-8
whole or part.
39. Which two are the possible approaches that can be used in strategic benefits
planning? (Approaches to Strategic Benefit Planning)
A. Backing-out & top-down
B. Top-down &backing -in
C. Backing-up & top-in
D. Backing-down & top-in
40. These two federal laws form the basis for legally required benefits. (Legally Required
Benefits)
A. Social Security Act & Civil Rights Act
B. Family and Medical Leave Act & Civil Rights Act
C. Social Security Act & Family and Medical Leave Act
D. Equal Employment Act & Social Security Act
41. Employer choice of discretionary benefits does not depend on: (Government Regulation of
Employee Benefits)
A. Economic considerations
B. Adequacy of legally required benefits
C. Employee expectations
D. Government mandates
42. The Family and Medical Leave Act (FMLA) permits employees which of the
following? (The Family and Medical Leave Act of 1993)
A. 12 work weeks of paid leave during any 12-month period
B. 10 work weeks of paid leave during any 12-month period
C. 12 work weeks of unpaid leave during any 12-month period
D. 10 work weeks of unpaid leave during any 12-month period
43. Information for strategic benefits planning comes from these two environments. (Information
Used in Strategic Benefit Planning)
A. External company & internal market
B. External market & internal company
C. Internal market & external market
D. Internal company & external company

1-9
whole or part.
44. In which social context were workers' compensation laws enacted? (State Compulsory
Disability Laws (Workers’ Compensation))
A. Post Depression
B. Post WWII
C. Industrial expansion in the early 1900s
D. Turn of the 20th century
45. What are the four main classes of health insurance programs that employers have to choose
from to offer its' employees? (Health Protection Programs)
A. Fee-for-service plans, managed care plans, point-of-service plans, consumer-driven plans
B. Consumer-driven plans, point-of-service plans, managed care plans, fee-for-service plans,
person-focused plans
C. Fee-for-service plans, person-focused plans, point-of-service plans, point-of-service plans
D. Point-of-service plans, consumer-driven plans, managed care plans, person-focused plans
46. When the employee bears the entire costs of discretionary benefits it is referred to as which
type of financing? (Basic Design Considerations for Discretionary Benefits)
A. Noncontributory
B. Contributory
C. Employee-financed
D. Employee-focused
47. Which of the following are considered the five core compensation elements? (Adjustments to
Core Compensation)
A. COLAs, seniority pay, merit pay, incentive pay, person-focused pay
B. Merit pay, seniority pay, COLAs, incentive pay, base pay
C. Seniority pay, person-focused pay, incentive pay, base pay, COLAs
D. Base pay, person-focused pay, merit pay, incentive pay, seniority pay

1-10
whole or part.
48. Which three are the three fundamental roles that characterize discretionary
benefits? (Discretionary Benefits)
A. Protection programs, paid time-off, retirement programs
B. Protection programs, paid time-off, accommodation and enhancement programs
C. Paid time-off, accommodation and enhancement programs, retirement programs
D. Retirement programs, protection programs and accommodation and enhancement programs
49. Flexible benefits allow employees to do which of the following? (Basic Design
A. Choose which benefits they want and at what level
B. Only choose the level of benefits they want
C. Only choose which benefits they want
D. Choose whether they want all base pay or pay and benefits
50. Companies can generally choose from which four programs for financing their discretionary
benefits plans. (Basic Design Considerations for Discretionary Benefits)
A. Noncontributory, contributory, employee-financed, a combination of the other three
B. Managed care, contributory, employee-financed, a combination of the other three
C. Employee-financed, contributory , managed care, a combination of the other three
D. Managed care, contributory, employee-financed, noncontributory
51. Commission payments are examples of which type of core compensation
package? (Adjustments to Core Compensation)
A. Incentive pay
B. Merit pay
C. Person-focused pay
D. Seniority pay

1-11
whole or part.
52. Which of the following are the three main types of retirement programs that companies can
offer? (Income Protection Programs)
A. Employee-financed plans, defined benefits plans, hybrid plans
B. Hybrid plans defined contribution plans employee-financed plans
C. Defined contribution plans, employee-financed plans, defined benefits plans
D. Defined contribution plans, defined benefits plans, hybrid plans
53. Which two make up the internal environmental factors? (Internal Environment)
A. Labor force demographics, governmental regulations
B. Mergers and acquisitions, labor force demographics
C. Governmental regulations, collective bargaining agreements
D. Workforce demographics, collective bargaining agreements
54. The Social Security Act of 1935 set up which two programs? (The Social Security Act of
1935)
A. Retirement income & unemployment insurance
B. Medicare & disability insurance
C. Disability insurance & retirement income
D. Unemployment insurance & Medicare
55. Which of the following factors are used for strategic benefits planning? (External
Environment)
A. Government regulations
B. Economic conditions
C. Labor force changes
D. All of the above
56. Which of the following is not a fundamental employee goal? (Legal and Regulatory
Influences on Discretionary Benefits Practices)
A. High wages
B. Leadership
C. Job security
D. Safe working conditions

1-12
whole or part.
57. Which of the following is not an example of features of a benefit plan? (Basic Design
A. Flexible benefits
B. Eligibility
C. Waiting period
D. Employee choice
58. In 2011, what was the average total employer compensation costs for private industry
workers? (Employer Costs for Compensation and Benefits)
A. $30.11
B. $20.91
C. $35.50
D. 28.24
59. In 2011, about how many million persons were employed by private-sector companies?
(Legal and Regulatory Influences on Discretionary Benefits Practices)
A. 90 million
B. 109 million
C. 118 million
D. 125 million
Essay Questions
60. Briefly describe the origins of employee benefits in the US. (Origins of Employee Benefits)
Main Points
● Different forces led to rise of legally required and discretionary benefits in US
● Government established programs to protect individuals from disability and unemployment
● Historically, legally required benefits provided a form of social insurance
● Industrialization during late 19th and early 20th century and Great Depression led to design of
initial social insurance programs
● Contemporary discretionary benefits evident in late 1800s
● Employer sponsorship of medical insurance became common
● National Labor Relations Act legitimized bargaining for benefits
● Employees today typically view benefits as entitlements

1-13
whole or part.
61. Briefly describe various legal and regulatory influences on discretionary benefits. (Legal and
Regulatory Influences on Discretionary Benefits Practices)
Main Points
● Necessary to distinguish between "private sector" employers and governmental employers -
different regulations influence discretionary benefits practices in these two sectors.
● In 2011, private sector companies employed 109 million US civilian employees, mostly for-
profit
● Conflicting goals between employers and employees necessitate laws and regulations to
protect employees
● Prior to 1930, employees had no rights
● Before 1974, employees could lose retirement benefits
● Regulations such as Social Security Act of 1935 and ERISA of 1974 protect employees from
this today
● Public sector employers include US federal, state and local entities
● Approximately 22 million employees in this sector in three braches - executive, judicial,
legislative
● Government employers must operate within a budget to provide pay and benefits to
employees.
● ERISA does not apply to public sector retirement plans
62. Discuss the influence of external economic conditions on strategic benefits planning of
companies. (External Environment)
Main Points
● Factors outside the direct control of a company
● Industry prospects, economic conditions, forecasts
● Employer costs for compensation and benefits
● Government regulation of employee benefits
● Changing demographics of the labor force
63. Discuss the impact of recent demographic changes in labor markets (e.g., influx of female,
ethnic minority, or older workers) on the benefit strategy of companies. (Changing
Demographics of the Labor Force)
Main Points
● Increasing numbers of female, minority, or older workers in the current workplace
● Different needs and preferences based on demographic characteristics
● Challenges of benefit professionals to manage diverse needs and preferences
● Company’s strategic actions to accommodate different needs of employees

Other documents randomly have
different content

head, and so prevents the brain from becoming anæmic. When a
person faints, or feels faint, her head should be lowered; if she is
sitting in a chair, her head should be forced down to her knees; if
she is standing up, she should be placed upon her back. How
often we see kind-hearted persons carrying a fainting girl out of
church, taking care to keep her head well raised! Sal volatile, cold
water and brandy are sometimes given to fainting girls, but none
of these is necessary, and the brandy usually does harm. Though
fainting looks very dangerous, it is really very trivial. We have
never seen a death during one of these young women’s fainting
fits.
Lady Babbie.—It is related of a great physician that a girl once came
to him complaining, as you do, that she made horrible grimaces,
moving her scalp and eyebrows about in a most absurd manner,
and making herself look ridiculous. Of course he knew at once
what was the matter, and said to her, “Let me see you make these
grimaces.” When she had finished, he said to her, “What you have
got the matter with you is of no moment, but I warn you not to let
anyone see you making those grimaces, because when you do so
you present a striking resemblance to Mrs. ——” (a famous
criminal of the time, then “wanted” by the police), “and you may
get run in if you don’t take care!” This so frightened the girl that
she never made grimaces again! This curious habit can be cured,
as you see. It is semi-involuntary—that is, it was originally
voluntary, but from constant repetition it has become a habit. It is
a habit from which you must break yourself. It is no good saying
you cannot—we say you can; but you must try, and at present
avoid anything which is liable to produce it. We have not asked
you to do anything impossible—“to do lessons or anything of that
sort”—but why do you have such an objection “to do lessons or
anything of that sort?” You will find that there are more
unpleasant things in life than lessons!
MISCELLANEOUS.

Rebecca.—The invention of the gamut and the lines of the stave is
attributed to D’Arezzo, an Italian who flourished in the eleventh
century. At the Vatican, and in the King’s Library, Paris, there are
valuable copies of his famous Micrologus.
Perplexed.—We think it would be for your own happiness if you
cleared up the question, as no honest man has any right to be
paying his addresses to two women at once. If you have a mother,
you had better let her make the inquiry.
Marguerite.—The simnel-cakes made in Lent, at Eastertide, and
Christmas, in Shropshire and Herefordshire—more especially at
Shrewsbury—date back to great antiquity. Herrick speaks of them
in one of his epigrams, from which it appears that at Gloucester it
was the custom for young people to carry simnels to their mothers
on mid-Lent Sunday, called “Mothering Sunday.” In Mediæval Latin
it is called siminellus, and is derived from the Latin simila, or fine
flour. Like the religious signification of the hot-cross-buns, the
simnel-cakes were, in early times, marked with a figure of Christ
or of the Virgin Mary. The Pagan Saxons ate cakes in honour or
commemoration of their goddess Eastre, and, unable to prevent
people from so doing as a heathen custom, the Christian clergy
had the buns marked with a cross, to remind them of our Lord
and His work of redemption.
Troubled One.—We are well acquainted with the infidel argument that
“the death of one man could not atone for, nor make restitution
for, the sins and the debts of millions of other men.” But first,
Christ was the Second Person of the Divine Trinity, and One with
the Father and the Holy Ghost, and His was an infinite sacrifice for
finite sin; an infinite satisfaction for finite indebtedness. Secondly,
as man’s rebellion was against his Creator, and the unfulfilled
obligations were to Him, his Creator had an absolute right to
punish, or forgive, to claim, or to remit man’s debt on His Own
terms. Thus, if He said, “I will accept man’s acknowledgment of
sin and indebtedness to Me, if he offer a lamb in token thereof,”
He had an indisputable right to do so; and when He accepts a

Divine, and therefore infinite sacrifice, He has a right to do so.
Who may presume to question it?
Two Chums.—The phrase, “Once in a blue moon” means “very rarely,”
and the originator of the phrase exaggerated what it was designed
to mean, as it expresses not rarity only, but impossibility of
occurrence, as there is no such thing as a “blue” moon, any more
than a personage correctly designated “Blue Beard.”
Constant Reader appears to have overlooked many answers to her
question. Brides do not supply house-linen, nor furniture, nor any
household requisites. If her parents like to make a present of such
a nature, it is perfectly gratuitous. The bridegroom is naturally to
have a home suitable for the reception of his bride when he takes
her from her father’s house.
Tom Tit.—Certainly there are books on conchology. You have only to
inquire at a good librarian’s.
MacNally.—Inquire in the Will Department, Somerset House, and see
those of that date. You should give the names and probable date;
1s. is charged for a search through each year, we believe. We
have looked in the London Directory and the Royal Red Book, and
did not see your cousin’s address.
A. Neighbour.—To obtain any particulars respecting the writer Mary E.
Wilkins, you had better write to her publisher.
Antiquary.—Of all the ancient nations of which we possess historical
records, Egypt stands first. According to Canon Rawlinson (quoted
by Dawson), history and archæological discoveries give the
earliest date as 2760 b.c.; of Babylon, as 2300 b.c.; of Phœnicia,
as 1700 b.c.; of Assyria, as 1500 b.c.; of India, as 1200 b.c., and of
China, as 1154 b.c. Whether any new light has been thrown on the
subject by more recent investigations and discoveries than what
we receive from Canon Rawlinson, we are not at this moment
prepared to say.
Country Lass.—Rosemary-tea is excellent for promoting the growth of
the hair. Chemists prepare it in a cleaner form than you can at

home. You cannot make your hair “wavy and glossy” unless the
hair have flattened sides to each tube (we mean if the hair be
round it will not curl), and if naturally rough, any gloss artificially
produced would only be through greasiness. Joan and Jane are
feminines of the Hebrew name John—“the gracious gift of God.”
Amateur Stamp Collector.—With reference to the uses made by the
authorities at the Asile des Billodes, at Le Locle, we can only
repeat what we were told by a Swiss lady, who has long
maintained a girl herself in this special institution, that “she
believed the stamps were sent to, and made into papier maché at,
Nüremberg”; so for whatever other uses they are employed, or to
whatever other destinations they may be sent (perhaps exclusive
of those at Le Locle, according to their printed advertisement), it
seems that a large proportion goes to that place. We have the
paper, a copy of which you are so good as to send, and are quite
ready to believe our friend was mistaken as regards the Asile she
helps to support.
[Transcriber’s Note: the following changes have been made to this
text.
Page 579: Effiie to Effie—“and now Effie”.
Page 580: Soâne to Saône—“A Summer Voyage on the Saône”.
Symond’s to Symonds’—“J. A Symonds’”.
Edmond to Edmondo—“Edmondo de Amicis”.
Taines’ to Taine’s—“H. Taine’s”.
Page 581: Teneriffe, and its Seven Satellites to Tenerife, and its Six
Satellites.
Vesa to Vasa—“Gustavus Vasa”.
Alex. to Alec.—“Alec. Tweedie”.

Grohmann to Grohman—“W. A. Grohman”.
Page 583: conciousness to consciousness—“self-consciousness”.
Page 586: baking powder to baking-powder—“baking-powder.
Make”.]

*** END OF THE PROJECT GUTENBERG EBOOK THE GIRL'S OWN
PAPER, VOL. XX, NO. 1015, JUNE 10, 1899 ***
Updated editions will replace the previous one—the old editions
will be renamed.
Creating the works from print editions not protected by U.S.
copyright law means that no one owns a United States
copyright in these works, so the Foundation (and you!) can copy
and distribute it in the United States without permission and
without paying copyright royalties. Special rules, set forth in the
General Terms of Use part of this license, apply to copying and
distributing Project Gutenberg™ electronic works to protect the
PROJECT GUTENBERG™ concept and trademark. Project
Gutenberg is a registered trademark, and may not be used if
you charge for an eBook, except by following the terms of the
trademark license, including paying royalties for use of the
Project Gutenberg trademark. If you do not charge anything for
copies of this eBook, complying with the trademark license is
very easy. You may use this eBook for nearly any purpose such
as creation of derivative works, reports, performances and
research. Project Gutenberg eBooks may be modified and
printed and given away—you may do practically ANYTHING in
the United States with eBooks not protected by U.S. copyright
law. Redistribution is subject to the trademark license, especially
commercial redistribution.
START: FULL LICENSE

THE FULL PROJECT GUTENBERG LICENSE

PLEASE READ THIS BEFORE YOU DISTRIBUTE OR USE THIS WORK
To protect the Project Gutenberg™ mission of promoting the
free distribution of electronic works, by using or distributing this
work (or any other work associated in any way with the phrase
“Project Gutenberg”), you agree to comply with all the terms of
the Full Project Gutenberg™ License available with this file or
online at www.gutenberg.org/license.
Section 1. General Terms of Use and
Redistributing Project Gutenberg™
electronic works
1.A. By reading or using any part of this Project Gutenberg™
electronic work, you indicate that you have read, understand,
agree to and accept all the terms of this license and intellectual
property (trademark/copyright) agreement. If you do not agree
to abide by all the terms of this agreement, you must cease
using and return or destroy all copies of Project Gutenberg™
electronic works in your possession. If you paid a fee for
obtaining a copy of or access to a Project Gutenberg™
electronic work and you do not agree to be bound by the terms
of this agreement, you may obtain a refund from the person or
entity to whom you paid the fee as set forth in paragraph 1.E.8.
1.B. “Project Gutenberg” is a registered trademark. It may only
be used on or associated in any way with an electronic work by
people who agree to be bound by the terms of this agreement.
There are a few things that you can do with most Project
Gutenberg™ electronic works even without complying with the
full terms of this agreement. See paragraph 1.C below. There
are a lot of things you can do with Project Gutenberg™
electronic works if you follow the terms of this agreement and
help preserve free future access to Project Gutenberg™
electronic works. See paragraph 1.E below.

1.C. The Project Gutenberg Literary Archive Foundation (“the
Foundation” or PGLAF), owns a compilation copyright in the
collection of Project Gutenberg™ electronic works. Nearly all the
individual works in the collection are in the public domain in the
United States. If an individual work is unprotected by copyright
law in the United States and you are located in the United
States, we do not claim a right to prevent you from copying,
distributing, performing, displaying or creating derivative works
based on the work as long as all references to Project
Gutenberg are removed. Of course, we hope that you will
support the Project Gutenberg™ mission of promoting free
access to electronic works by freely sharing Project Gutenberg™
works in compliance with the terms of this agreement for
keeping the Project Gutenberg™ name associated with the
work. You can easily comply with the terms of this agreement
by keeping this work in the same format with its attached full
Project Gutenberg™ License when you share it without charge
with others.
1.D. The copyright laws of the place where you are located also
govern what you can do with this work. Copyright laws in most
countries are in a constant state of change. If you are outside
the United States, check the laws of your country in addition to
the terms of this agreement before downloading, copying,
displaying, performing, distributing or creating derivative works
based on this work or any other Project Gutenberg™ work. The
Foundation makes no representations concerning the copyright
status of any work in any country other than the United States.
1.E. Unless you have removed all references to Project
Gutenberg:
1.E.1. The following sentence, with active links to, or other
immediate access to, the full Project Gutenberg™ License must
appear prominently whenever any copy of a Project
Gutenberg™ work (any work on which the phrase “Project

Gutenberg” appears, or with which the phrase “Project
Gutenberg” is associated) is accessed, displayed, performed,
viewed, copied or distributed:
This eBook is for the use of anyone anywhere in the United
States and most other parts of the world at no cost and
with almost no restrictions whatsoever. You may copy it,
give it away or re-use it under the terms of the Project
Gutenberg License included with this eBook or online at
www.gutenberg.org. If you are not located in the United
States, you will have to check the laws of the country
where you are located before using this eBook.
1.E.2. If an individual Project Gutenberg™ electronic work is
derived from texts not protected by U.S. copyright law (does not
contain a notice indicating that it is posted with permission of
the copyright holder), the work can be copied and distributed to
anyone in the United States without paying any fees or charges.
If you are redistributing or providing access to a work with the
phrase “Project Gutenberg” associated with or appearing on the
work, you must comply either with the requirements of
paragraphs 1.E.1 through 1.E.7 or obtain permission for the use
of the work and the Project Gutenberg™ trademark as set forth
in paragraphs 1.E.8 or 1.E.9.
1.E.3. If an individual Project Gutenberg™ electronic work is
posted with the permission of the copyright holder, your use and
distribution must comply with both paragraphs 1.E.1 through
1.E.7 and any additional terms imposed by the copyright holder.
Additional terms will be linked to the Project Gutenberg™
License for all works posted with the permission of the copyright
holder found at the beginning of this work.
1.E.4. Do not unlink or detach or remove the full Project
Gutenberg™ License terms from this work, or any files

containing a part of this work or any other work associated with
Project Gutenberg™.
1.E.5. Do not copy, display, perform, distribute or redistribute
this electronic work, or any part of this electronic work, without
prominently displaying the sentence set forth in paragraph 1.E.1
with active links or immediate access to the full terms of the
Project Gutenberg™ License.
1.E.6. You may convert to and distribute this work in any binary,
compressed, marked up, nonproprietary or proprietary form,
including any word processing or hypertext form. However, if
you provide access to or distribute copies of a Project
Gutenberg™ work in a format other than “Plain Vanilla ASCII” or
other format used in the official version posted on the official
Project Gutenberg™ website (www.gutenberg.org), you must,
at no additional cost, fee or expense to the user, provide a copy,
a means of exporting a copy, or a means of obtaining a copy
upon request, of the work in its original “Plain Vanilla ASCII” or
other form. Any alternate format must include the full Project
Gutenberg™ License as specified in paragraph 1.E.1.
1.E.7. Do not charge a fee for access to, viewing, displaying,
performing, copying or distributing any Project Gutenberg™
works unless you comply with paragraph 1.E.8 or 1.E.9.
1.E.8. You may charge a reasonable fee for copies of or
providing access to or distributing Project Gutenberg™
electronic works provided that:
• You pay a royalty fee of 20% of the gross profits you derive
from the use of Project Gutenberg™ works calculated using the
method you already use to calculate your applicable taxes. The
fee is owed to the owner of the Project Gutenberg™ trademark,
but he has agreed to donate royalties under this paragraph to
the Project Gutenberg Literary Archive Foundation. Royalty

payments must be paid within 60 days following each date on
which you prepare (or are legally required to prepare) your
periodic tax returns. Royalty payments should be clearly marked
as such and sent to the Project Gutenberg Literary Archive
Foundation at the address specified in Section 4, “Information
about donations to the Project Gutenberg Literary Archive
Foundation.”
• You provide a full refund of any money paid by a user who
notifies you in writing (or by e-mail) within 30 days of receipt
that s/he does not agree to the terms of the full Project
Gutenberg™ License. You must require such a user to return or
destroy all copies of the works possessed in a physical medium
and discontinue all use of and all access to other copies of
Project Gutenberg™ works.
• You provide, in accordance with paragraph 1.F.3, a full refund of
any money paid for a work or a replacement copy, if a defect in
the electronic work is discovered and reported to you within 90
days of receipt of the work.
• You comply with all other terms of this agreement for free
distribution of Project Gutenberg™ works.
1.E.9. If you wish to charge a fee or distribute a Project
Gutenberg™ electronic work or group of works on different
terms than are set forth in this agreement, you must obtain
permission in writing from the Project Gutenberg Literary
Archive Foundation, the manager of the Project Gutenberg™
trademark. Contact the Foundation as set forth in Section 3
below.
1.F.
1.F.1. Project Gutenberg volunteers and employees expend
considerable effort to identify, do copyright research on,
transcribe and proofread works not protected by U.S. copyright

law in creating the Project Gutenberg™ collection. Despite these
efforts, Project Gutenberg™ electronic works, and the medium
on which they may be stored, may contain “Defects,” such as,
but not limited to, incomplete, inaccurate or corrupt data,
transcription errors, a copyright or other intellectual property
infringement, a defective or damaged disk or other medium, a
computer virus, or computer codes that damage or cannot be
read by your equipment.
1.F.2. LIMITED WARRANTY, DISCLAIMER OF DAMAGES - Except
for the “Right of Replacement or Refund” described in
paragraph 1.F.3, the Project Gutenberg Literary Archive
Foundation, the owner of the Project Gutenberg™ trademark,
and any other party distributing a Project Gutenberg™ electronic
work under this agreement, disclaim all liability to you for
damages, costs and expenses, including legal fees. YOU AGREE
THAT YOU HAVE NO REMEDIES FOR NEGLIGENCE, STRICT
LIABILITY, BREACH OF WARRANTY OR BREACH OF CONTRACT
EXCEPT THOSE PROVIDED IN PARAGRAPH 1.F.3. YOU AGREE
THAT THE FOUNDATION, THE TRADEMARK OWNER, AND ANY
DISTRIBUTOR UNDER THIS AGREEMENT WILL NOT BE LIABLE
TO YOU FOR ACTUAL, DIRECT, INDIRECT, CONSEQUENTIAL,
PUNITIVE OR INCIDENTAL DAMAGES EVEN IF YOU GIVE
NOTICE OF THE POSSIBILITY OF SUCH DAMAGE.
1.F.3. LIMITED RIGHT OF REPLACEMENT OR REFUND - If you
discover a defect in this electronic work within 90 days of
receiving it, you can receive a refund of the money (if any) you
paid for it by sending a written explanation to the person you
received the work from. If you received the work on a physical
medium, you must return the medium with your written
explanation. The person or entity that provided you with the
defective work may elect to provide a replacement copy in lieu
of a refund. If you received the work electronically, the person
or entity providing it to you may choose to give you a second
opportunity to receive the work electronically in lieu of a refund.

If the second copy is also defective, you may demand a refund
in writing without further opportunities to fix the problem.
1.F.4. Except for the limited right of replacement or refund set
forth in paragraph 1.F.3, this work is provided to you ‘AS-IS’,
WITH NO OTHER WARRANTIES OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF
MERCHANTABILITY OR FITNESS FOR ANY PURPOSE.
1.F.5. Some states do not allow disclaimers of certain implied
warranties or the exclusion or limitation of certain types of
damages. If any disclaimer or limitation set forth in this
agreement violates the law of the state applicable to this
agreement, the agreement shall be interpreted to make the
maximum disclaimer or limitation permitted by the applicable
state law. The invalidity or unenforceability of any provision of
this agreement shall not void the remaining provisions.
1.F.6. INDEMNITY - You agree to indemnify and hold the
Foundation, the trademark owner, any agent or employee of the
Foundation, anyone providing copies of Project Gutenberg™
electronic works in accordance with this agreement, and any
volunteers associated with the production, promotion and
distribution of Project Gutenberg™ electronic works, harmless
from all liability, costs and expenses, including legal fees, that
arise directly or indirectly from any of the following which you
do or cause to occur: (a) distribution of this or any Project
Gutenberg™ work, (b) alteration, modification, or additions or
deletions to any Project Gutenberg™ work, and (c) any Defect
you cause.
Section 2. Information about the Mission
of Project Gutenberg™

Project Gutenberg™ is synonymous with the free distribution of
electronic works in formats readable by the widest variety of
computers including obsolete, old, middle-aged and new
computers. It exists because of the efforts of hundreds of
volunteers and donations from people in all walks of life.
Volunteers and financial support to provide volunteers with the
assistance they need are critical to reaching Project
Gutenberg™’s goals and ensuring that the Project Gutenberg™
collection will remain freely available for generations to come. In
2001, the Project Gutenberg Literary Archive Foundation was
created to provide a secure and permanent future for Project
Gutenberg™ and future generations. To learn more about the
Project Gutenberg Literary Archive Foundation and how your
efforts and donations can help, see Sections 3 and 4 and the
Foundation information page at www.gutenberg.org.
Section 3. Information about the Project
Gutenberg Literary Archive Foundation
The Project Gutenberg Literary Archive Foundation is a non-
profit 501(c)(3) educational corporation organized under the
laws of the state of Mississippi and granted tax exempt status
by the Internal Revenue Service. The Foundation’s EIN or
federal tax identification number is 64-6221541. Contributions
to the Project Gutenberg Literary Archive Foundation are tax
deductible to the full extent permitted by U.S. federal laws and
your state’s laws.
The Foundation’s business office is located at 809 North 1500
West, Salt Lake City, UT 84116, (801) 596-1887. Email contact
links and up to date contact information can be found at the
Foundation’s website and official page at
www.gutenberg.org/contact

Section 4. Information about Donations to
the Project Gutenberg Literary Archive
Foundation
Project Gutenberg™ depends upon and cannot survive without
widespread public support and donations to carry out its mission
of increasing the number of public domain and licensed works
that can be freely distributed in machine-readable form
accessible by the widest array of equipment including outdated
equipment. Many small donations ($1 to $5,000) are particularly
important to maintaining tax exempt status with the IRS.
The Foundation is committed to complying with the laws
regulating charities and charitable donations in all 50 states of
the United States. Compliance requirements are not uniform
and it takes a considerable effort, much paperwork and many
fees to meet and keep up with these requirements. We do not
solicit donations in locations where we have not received written
confirmation of compliance. To SEND DONATIONS or determine
the status of compliance for any particular state visit
www.gutenberg.org/donate.
While we cannot and do not solicit contributions from states
where we have not met the solicitation requirements, we know
of no prohibition against accepting unsolicited donations from
donors in such states who approach us with offers to donate.
International donations are gratefully accepted, but we cannot
make any statements concerning tax treatment of donations
received from outside the United States. U.S. laws alone swamp
our small staff.
Please check the Project Gutenberg web pages for current
donation methods and addresses. Donations are accepted in a
number of other ways including checks, online payments and

credit card donations. To donate, please visit:
www.gutenberg.org/donate.
Section 5. General Information About
Project Gutenberg™ electronic works
Professor Michael S. Hart was the originator of the Project
Gutenberg™ concept of a library of electronic works that could
be freely shared with anyone. For forty years, he produced and
distributed Project Gutenberg™ eBooks with only a loose
network of volunteer support.
Project Gutenberg™ eBooks are often created from several
printed editions, all of which are confirmed as not protected by
copyright in the U.S. unless a copyright notice is included. Thus,
we do not necessarily keep eBooks in compliance with any
particular paper edition.
Most people start at our website which has the main PG search
facility: www.gutenberg.org.
This website includes information about Project Gutenberg™,
including how to make donations to the Project Gutenberg
Literary Archive Foundation, how to help produce our new
eBooks, and how to subscribe to our email newsletter to hear
about new eBooks.

Welcome to our website – the perfect destination for book lovers and
knowledge seekers. We believe that every book holds a new world,
offering opportunities for learning, discovery, and personal growth.
That’s why we are dedicated to bringing you a diverse collection of
books, ranging from classic literature and specialized publications to
self-development guides and children's books.
More than just a book-buying platform, we strive to be a bridge
connecting you with timeless cultural and intellectual values. With an
elegant, user-friendly interface and a smart search system, you can
quickly find the books that best suit your interests. Additionally,
our special promotions and home delivery services help you save time
and fully enjoy the joy of reading.
Join us on a journey of knowledge exploration, passion nurturing, and
personal growth every day!
testbankmall.com

Test Bank for Employee Benefits A Primer for Human Resource Professionals 5th Edition Joseph Martocchio Download

More Related Content

Similar to Test Bank for Employee Benefits A Primer for Human Resource Professionals 5th Edition Joseph Martocchio Download

Recently uploaded

Test Bank for Employee Benefits A Primer for Human Resource Professionals 5th Edition Joseph Martocchio Download