Which basic benefits should all workers have access to through their employer?

The correct answer highlights essential benefits that are fundamental to workers' health, financial security, and well-being. Health insurance is a critical benefit that helps employees cover medical expenses, providing access to healthcare services. Life insurance offers financial protection to employees' beneficiaries in the event of their untimely passing, ensuring that their loved ones are financially secure. A retirement plan is crucial for helping employees save for the future, promoting long-term financial stability after they retire.

These benefits are considered basic because they address both immediate health needs and long-term financial concerns that workers face throughout their careers. While the other options may provide valuable perks or additional incentives, the benefits listed in the correct answer are universally recognized as foundational to a comprehensive employment package. They reflect the minimum expectations that workers typically have regarding employer-provided support.