This comprehensive study describes the employers’ main actions throughout the term of the insurance arrangement from the point of view of all participants in the group insurance arrangement: the insurance companies, the employers’ HR departments, and the employees, and examines the relationship between employers’ actions and employees’ perceptions of the employer’s responsibility towards them. It further examines whether and how variables related to employee characteristics, workplace-related characteristics and characteristics related to the terms of the insurance plan affect the employees’ perception of the employer's responsibility towards them.
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