Group plans can cover a wide array of benefits, including all of the following EXCEPT:

• A. Life insurance
• B. Accidental death and dismemberment
• C. Health care and dental care
• D. Auto insurance

Answer: (D)

Group plans are designed to protect an employee’s health, income, and financial security through benefits like life insurance, coverage for accidental death and dismemberment, and health and dental care. These coverages help replace income if someone dies or is seriously injured and help pay for medical and dental expenses, which are directly tied to a person’s health and well-being.

Auto insurance, on the other hand, is a personal risk-management product tied to vehicle use. It’s not about health or income protection, and it’s typically purchased separately from employee benefit plans. While some employers might offer voluntary auto insurance options as a perk, it isn’t a standard component of group plans.

So the item that isn’t typically included in group plans is auto insurance.