Dear Doctor: What has your hospital done to you lately?

Have you ever examined your employee benefits documents?
Did you ever receive an SPD (Summary Plan Description) from your employer?
What is and SPD and why should you care about reading it?
Did you sign an employee contract with your employer?
Have you ever compared the benefits promised in your contract with the benefits you actually received?
Did your employer actually enroll you in your life insurance plan? How can you tell?
Did you designate a beneficiary for your life insurance?
Do you have a husband/wife/domestic partner?
Do you care what will happen to them if you should suddenly die?

ARE ALL OF THE ABOVE QUESTIONS REALLY STUPID AND A WASTE OF TIME? NO. Not stupid and not a waste of time.