American workers are far less knowledgeable about their benefitsthan they think, leading to poor decisions and selections that canimpair their financial futures.

That’s according to Guardian’s 4th Annual Workplace Benefits Study,which found that a simple 10-question true-false IQ quiz thattested their knowledge about employee benefits, including medical,long-term disability, accident, critical illness and hospitalindemnity insurance products, as well as terminology—LTDelimination periods, guaranteed issue, voluntary benefits, portability anddeductibles—employees got only an average grade of 72; 51 percentgot a grade of C or below.

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