Their employers have cut back or eliminated health insurance for retirees.

Some employers have cut health benefits for employees or their dependents.

In Florida, which has been enjoying a generally strong economy for months, employers cut a net 9,500 jobs.

But with falling profits many employers have cut back on the perk.

Many employers have cut retiree health benefits in the last 15 years.

Several major employers in the area have cut their staffs dramatically.

The traditional employer, Ford, has cut back from 40,000 workers to 4,000.

Even in companies where profits rose sharply, employers cut wages.

For more than a decade, employers have been cutting retiree health benefits.

The employer cuts costs and the employee feels better off.