What kind of benefits can be considered essential for all workers?

Health insurance, life insurance, and retirement plans are considered essential benefits for all workers primarily because they address fundamental needs for security and well-being. Health insurance is critical as it provides coverage for medical expenses, ensuring that employees can access necessary health care without incurring substantial financial burdens. Life insurance offers financial protection for employees' beneficiaries in the event of untimely death, which is vital for peace of mind and financial stability for families. Additionally, retirement plans help employees save for their future, allowing them to maintain their quality of life after they've stopped working.

Together, these benefits are foundational in forming a comprehensive benefits package that meets the essential health and financial security needs of workers, which is why they are viewed as necessary for all employees. Other options, while they may provide value or additional support, do not encompass the fundamental aspects of employee welfare in the same way.