Thank you.
I don't think we need to look at other countries; we just need to look at the fundamental concept of insurance. If we want to apply the principle of an insurance promise that's going to be kept, it has to be funded. If you go to the notion of allowing companies to self-insure when clearly there's a probability of bankruptcy there, then you have significant exposure on the part of these employees, and as was pointed out, they're not even aware of it.
So we clearly have a chink missing here in the insurance concept. I just don't think it makes sense in our country to allow these kinds of benefits to be self-insured. They either have to be separately funded and a trust fund set away by the company itself or the insurance has to be done with a third-party insurer that comes under the insurance regulations.