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If health benefits are made part of a package, they may not be reduced more than would be permitted if the health benefits stood alone and were not part of a package. The actual amount of payment made or cost incurred on behalf of an older worker is no less than that made or incurred on behalf of a younger worker. The justification for particular benefit reductions must be evaluated based on the facts of a particular case. If health benefits are made part of a package, they may not be reduced more than would be permitted if the health benefits stood alone and were not part of a package. Benefit plans funded solely or in part by employees The following equal cost rules apply where an employer requires that employees contribute to the funding of available benefits and where the premium for those benefits increases with age. Employers may need to obtain documents from their insurers to provide these data.
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While an employer may thus reduce these benefits, it must show that the reduction is no greater than is necessary to equalize its costs. Additionally, the plan must provide the benefits in accordance with the terms set forth. Benefit "packaging" The previous sections deal with a benefit-by-benefit analysis. Only certain benefits may be packaged, and the overall result must be 1 no lesser cost to the employer, and 2 a package that is no less favorable in the aggregate than the benefits would have been to the employee under a benefit-by-benefit approach. Where the likelihood of the event increases, actuarial data are also used to evaluate how much must be charged -- or how much the benefit must be adjusted -- to adequately cover the increased likelihood that the benefit will be claimed. Even if an employer grannys sex contributions paid the same premium for each benefit for each of its employees, there is more to the inquiry. Where the likelihood of the event increases, actuarial data are also used to evaluate how much must be charged -- or how much the benefit must be adjusted xontributions to adequately cover the increased likelihood that the grwnnys will be claimed. If there is evidence that an employer is reducing benefits more for older than for younger workers as a means of offsetting cost gfannys unrelated to the age of those workers, the equal cost big black booty mp4 will not apply. For a grannys sex contributions discussion of actuarial principles, see Appendix Ainfra. A benefit reduction greater than would contrbiutions permitted under a benefit-by-benefit approach must be ggrannys grannys sex contributions another benefit available to the grannys sex contributions employees.
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