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If it's employer-chosen, you're not the customer and they're not listening to you either.


Why do you stop there? The chain goes on. Employer will have to listen to the employees or they will be on a lookout for better place to work. It's not uncommon at all for employers to tout benefits as a way to attract new hires.


That only works if you’re in high demand, and your health problems don’t preclude getting a new job. Very few workers can rely on that being true at any point in their lives, much less all the way until retirement.


That is only true for an employee's market.




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