But as employers change options - as many plan to do this month - it's important to at least review the offerings.

But the job security of many Brazilians has been threatened as their employers changed from the government to private owners who want to cut costs.

Therefore, employers generally may change by plan amendment their traditional pension plans and the benefit formulas they use.

Unions are the only institution in society that can force employers to change the way they distribute their income.

If employers can simply change conditions without fear of the law, then the law needs changing.

The employer could not drop or change the terms of the health insurance benefit.

With employers changing insurers frequently and individuals often referred to several doctors, those costs could be daunting.

This means that more people will be vulnerable to age discrimination if employers do not change their policies.

But in reality, employers have changed, and so have politicians.

An employer cannot change the terms and conditions of employment unilaterally.