Final answer:
The question pertains to employee coverage in Ontario, Canada, which includes health insurance, retirement plans, and other benefits. Most employees are covered by a combination of employer-sponsored programs and Canada's single-payer healthcare system.
Step-by-step explanation:
The question "Most employees in Ontario (about 90%) are covered by:" is related to employee benefits and insurance coverage in Canada. In Ontario, the majority of employees are covered by a range of insurance and benefit programs as part of their total compensation package. These can include employee insurance, mainly health insurance, retirement plans, and payments to social security, unemployment, and worker's compensation insurance. Additionally, Canadian employers may contribute to Medicare and other benefits.
According to employment mandates in many places, employers with a certain number of employees, such as more than 50, must offer health insurance to their workers. Furthermore, when it comes to retirement, employers that offer pensions are generally required to pay into protection schemes like the Pension Benefit Guarantee Corporation to secure pension benefits even in the event of bankruptcy.
In Canada, much of the insurance structure combines employer-sponsored and government-run programs. The country is known for its single-payer healthcare system, wherein the government provides health coverage, which is different from direct-purchase insurance or private employment-based insurance that is more common in other countries like the United States.