Be careful with what you call a “benefit cut.” From the employer’s perspective, it might not be a cut at all. Suppose I’m an employer buying insurance. Last year, premiums were (making up numbers here) $10K per employer per year, and I charged employees $1K per year. This year, premiums are $13K per year, and I charge employees $2K. From the employee’s point of view, that might be thought of as a benefit cut, but from my point of view last year I was paying $9K and this year I’m paying $11K. I the employer don’t think it’s a benefit cut.