What’s.ore, the public-insurance marketplaces established under the Affordable Care Act are expected to radically change the landscape for early retires starting next January. If you are considering an early retirement, you may wish to protect yourself by negotiating a written contract with your employer that includes the specific terms of health care benefits and the circumstances, if any, under which they can be changed. Some companies are discontinuing their medical plans and giving retired employees a fixed amount of money to use toward health expenses instead. 3M, maker of Scotch tape and other products, discontinued the company’s traditional Medicare supplement plan on Jan. 1 and instead is making contributions to retires’ health reimbursement accounts, said spokeswoman Jacqueline Berry. Benefit plan documents are often not easy to interpret, and the language, described above, providing an employer's right to change benefits may be contained in any part of the documents. Employee

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