In a time during which uncertainty prevails – instead of assurances that a universe of options will remain stable throughout a multi-year period – it’s generally best to plan for one of the likely possibilities but remain flexible and ready to change when more reliable tenets emerge.
Or another way to put it: Never forget Plan B. Or even Plan C.
That’s the advice of Stephen Parahus, senior consulting actuary with Towers Watson, when contemplating a rational course of action for the typical corporate benefits planner in mid-2011 – particularly when it relates to early-retiree health benefits.
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