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Such distinctions in health insurance plans thus will not generally violate the ADA. Severance benefits can be provided based on a unilateral decision by the employer or through the terms of a collective bargaining agreement. Even if a benefit is of a type whose costs generally increase with age, an employer must demonstrate that the particular reductions in its benefits are cost-justified — that is, that the benefit provided to older workers is no lower than is necessary to achieve equivalency in costs. An employer may assert that the cost of severance benefits increases with an employee’s years of service, and that increases in years of service are correlated with increases in age. Others may pay a week’s salary for each year of service rendered by separating employees.

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