Discriminating against someone solely based on their age is illegal, as set forth in the Age Discrimination in Employment Act (ADEA). However, this act was amended in 1990, when Congress passed the Older Worker Benefit Protection Act. This act was put in place to not only protect the jobs of older Americans, but their benefits, as well. The Older Worker Benefit Protection Act (OWBPA) prohibits discrimination against older workers in terms of employee benefits. Employee benefit plans that fall into this category include pensions, retirement plans, and insurance plans. Older workers must receive the same amount of benefit payments as younger workers, so there cannot be any difference based on age. The OWBPA does allow employers to adjust for life insurance and other benefits that are more expensive for older workers.