Even though you would *think* that they could cancel at any time, that may not be the case. Many benefits--such as health plans provided by third-party health insureres, for example--are provided pursuant to contracts. Those contracts are for a definite term--typically a year--and may *not* be cancelled in the middle of that year unless some event has occured which, under the agreement with the insurer itself, allows for cancellation or modification of the plan. For example, if a worker's divorce is finalized mid-year, he no longer has to buy (indeed, he no longer can get) married or family coverage, since he is no longer married. Or the agreement may provide that it can be canceled if the worker comes under other coverage (e.g. a spouse). So for any benefit provided pursuant to an agreement with a third party, you need to look to the terms of that agreement or provision of coverage.