Usage of formularies is also greatly expanding. Secondly, employers are re-examining the types of prescriptions they want to include coverage for under their plans. This will have a tremendous impact on Rx coverages. For example, business casual attire is a no-cost item. That's an easy source of money today.
Unemployment is very low and that's the reason the trust funds are so flush.
FMLA leaves would obviously not fall into this very important purpose of being willing and able to work. To my knowledge, no employers have done so. It was a 1940's compensation practice to grant a pay increase when an employee got married. The rationale was that they needed more income now that they had a family to support. When an employee gets married, we give them family health, dental, vision, and prescription coverage at a cost of 2.5 to 3 times more than is paid for a single employee.