Which of the following allows employees to shop for specific benefits and services from among those offered by the employer using an account that has a specific amount of money in it?

A) health spending accounts
B) wellness accounts
C) concierge services
D) flexible benefit programs
E) employment insurance

Flexible benefit programs, also known as cafeteria plans, allow employees to choose from a selection of benefits and services offered by the employer using a designated amount of funds. Employees can select the options that best fit their personal needs, which can include health insurance, dental insurance, life insurance, retirement plans, and other benefits. This program is flexible because it allows employees to allocate funds to the services that matter most to them, and they can choose how much to spend on each benefit.