Question 4 (a) Demonstrate the basic characteristics of cafeteria plans in an employee benefits. program. Briefly explain any TWO (2) most common forms of cafeteria plans. (11 marks) (b) Distinguish between short-term disability-income plans and long-term disability- income plans with respect of each of following: (i) The coverage (3 marks) (ii) The elimination period (4 marks) (iii) The length of benefit period (3 marks) (iv) The amount of disability income benefits (4 marks) [Total : 25 Marks) END OF QUESTION PAPER