Employers seeking to reduce costs are increasingly asking workers and retirees to pay for benefits that were once considered part of their compensation packages, including life, disability, and accidental death insurance coverage. Critics say the shift places an additional burden on workers who are already straining to cope with expensive health care premiums and stagnant wages. Insurance executives and industry consultants say many employers are finding it necessary to reduce or eliminate funding for secondary benefits to offset the rising expense of medical insurance.
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