CEBS Certified Employee Benefit Specialist
Exam
1. Which of the following best defines employee benefits?
A) Compensation paid solely through salary
B) Non-wage compensation provided to employees in addition to their
regular wages
C) Only health insurance plans offered by employers
D) Mandatory government-mandated benefits only
Answer: B
Explanation: Employee benefits are non-wage compensations provided
in addition to salary, including health insurance, retirement plans, and
other perks, designed to enhance employee well-being and satisfaction.
2. What role does a Certified Employee Benefit Specialist (CEBS)
primarily serve?
A) Developing marketing strategies
B) Managing corporate financial audits
C) Designing, administering, and advising on employee benefit plans
D) Overseeing legal compliance unrelated to benefits
Answer: C
,CEBS Certified Employee Benefit Specialist
Exam
Explanation: A CEBS specializes in employee benefits, providing
expertise in plan design, administration, compliance, and
communication to optimize benefit offerings.
3. Which of the following is an example of a health and welfare benefit?
A) Pension plan
B) Dental insurance
C) Stock options
D) Paid time off
Answer: B
Explanation: Dental insurance is a health and welfare benefit offering
coverage for dental care services, distinct from retirement or
compensation benefits.
4. Which health insurance plan typically requires members to choose
healthcare providers from a specific network?
A) HMO
B) PPO
C) HDHP
,CEBS Certified Employee Benefit Specialist
Exam
D) Indemnity plan
Answer: A
Explanation: Health Maintenance Organizations (HMOs) require
members to use a network of providers for coverage, emphasizing cost
containment and coordinated care.
5. What distinguishes a High Deductible Health Plan (HDHP) from other
plans?
A) Lower premiums and higher deductibles
B) No deductibles and no premiums
C) Only available through employer-sponsored plans
D) Coverage limited to dental and vision only
Answer: A
Explanation: HDHPs feature lower premiums but higher deductibles,
encouraging consumers to pay more out-of-pocket before coverage
begins, often paired with Health Savings Accounts (HSAs).
6. Which benefit is primarily aimed at providing income replacement
during periods of disability?
A) Life insurance
, CEBS Certified Employee Benefit Specialist
Exam
B) Disability insurance
C) Dental insurance
D) Vision insurance
Answer: B
Explanation: Disability insurance provides income replacement if an
employee becomes unable to work due to illness or injury, safeguarding
financial stability.
7. How do wellness programs enhance employee benefits?
A) By replacing health insurance
B) By promoting healthier lifestyles and reducing healthcare costs
C) By providing legal advice
D) By offering only financial planning services
Answer: B
Explanation: Wellness programs aim to improve employee health
through activities like fitness initiatives, which can lower healthcare
costs and improve productivity.
Exam
1. Which of the following best defines employee benefits?
A) Compensation paid solely through salary
B) Non-wage compensation provided to employees in addition to their
regular wages
C) Only health insurance plans offered by employers
D) Mandatory government-mandated benefits only
Answer: B
Explanation: Employee benefits are non-wage compensations provided
in addition to salary, including health insurance, retirement plans, and
other perks, designed to enhance employee well-being and satisfaction.
2. What role does a Certified Employee Benefit Specialist (CEBS)
primarily serve?
A) Developing marketing strategies
B) Managing corporate financial audits
C) Designing, administering, and advising on employee benefit plans
D) Overseeing legal compliance unrelated to benefits
Answer: C
,CEBS Certified Employee Benefit Specialist
Exam
Explanation: A CEBS specializes in employee benefits, providing
expertise in plan design, administration, compliance, and
communication to optimize benefit offerings.
3. Which of the following is an example of a health and welfare benefit?
A) Pension plan
B) Dental insurance
C) Stock options
D) Paid time off
Answer: B
Explanation: Dental insurance is a health and welfare benefit offering
coverage for dental care services, distinct from retirement or
compensation benefits.
4. Which health insurance plan typically requires members to choose
healthcare providers from a specific network?
A) HMO
B) PPO
C) HDHP
,CEBS Certified Employee Benefit Specialist
Exam
D) Indemnity plan
Answer: A
Explanation: Health Maintenance Organizations (HMOs) require
members to use a network of providers for coverage, emphasizing cost
containment and coordinated care.
5. What distinguishes a High Deductible Health Plan (HDHP) from other
plans?
A) Lower premiums and higher deductibles
B) No deductibles and no premiums
C) Only available through employer-sponsored plans
D) Coverage limited to dental and vision only
Answer: A
Explanation: HDHPs feature lower premiums but higher deductibles,
encouraging consumers to pay more out-of-pocket before coverage
begins, often paired with Health Savings Accounts (HSAs).
6. Which benefit is primarily aimed at providing income replacement
during periods of disability?
A) Life insurance
, CEBS Certified Employee Benefit Specialist
Exam
B) Disability insurance
C) Dental insurance
D) Vision insurance
Answer: B
Explanation: Disability insurance provides income replacement if an
employee becomes unable to work due to illness or injury, safeguarding
financial stability.
7. How do wellness programs enhance employee benefits?
A) By replacing health insurance
B) By promoting healthier lifestyles and reducing healthcare costs
C) By providing legal advice
D) By offering only financial planning services
Answer: B
Explanation: Wellness programs aim to improve employee health
through activities like fitness initiatives, which can lower healthcare
costs and improve productivity.
