Margie Emch writes: I agree that the Partnership programs have a great idea in requiring an inflation safeguard. The problem is when you add the inflation-protection option, it can sound great, but it’s not affordable to the average 55-to-60 year-old couple.
When we sell a group plan, at least the employees are getting the benefit of some coverage (guaranteed issue) paid for by the employer and the option to buy up to better benefits and to add spouse and siblings to the plan.