Conclusion

This book has covered most of the elements of a comprehensive benefits program. We have discussed the major risk-mitigation component of an employee benefits program (such as healthcare benefits, disability benefits, and life insurance). Also with regard to this component, you have read in this book about various other risk-mitigation benefits, such as long-term care benefits and supplementary life insurance.

This book also thoroughly covered retirement benefits, both defined contribution and defined benefit retirement plans. You also learned about various other types of retirement programs. In the retirement category, this book also discussed cash balance pension plans, 409A plans, and many other plans.

We discussed various ancillary ...

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