The pension plan guarantees a specific payment based on a percentage of preretirement income without requiring employee's contribution. accumulation defined contribution defined benefit profit sharing 401k Paid time off is offered by employers voluntarily. True False Family and Medical Leave Act addresses an employees' right to retain the same job and same benefits upon return. True False Merit pay can add additional costs to employers permanently. True False Medigap insurance supplements Medicare Parts A \& B and is available from private insurance companies. True False Under the Pregnancy Discrimination Act of 1978 , time off for pregnancy-related issues must be covered in the same manner as any other sick time off. True False