Pretty soon there will be no benefits from employers. Then hear the sniveling!!!
Bingo!
Why do you think big companies support this crud?
It will soon get so complicated that they will soon say "We can not be in a position to judge who deserves what, we will pay for our employee only, and however he arranges his personal life is none of our concern"
Why have benefits at all?
Why not just have a benefit fund.
Think about it....the employee and employer contribute to a benefit fund.
The individual can use it however he or she wishes.It's part of your earnings...
You could tweak the matching contributions. Schools and companies could give bonuses or increases for tenure/age with company/children.
young single folks could take the cash, or buy cheap policies and invest the rest,
older folks could pick from a company negotiated pool of products, or take their benefit program to another provider, or pocket the money and use spouses insurance...
Pretty soon there will be no sexually normal people working for universities. I guess that's part of the plan.