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We always joked, when I was part of the group handling the GM benefits systems, that $1200 of every car sold was for benefits.
We had a significant problem in that GM had no way of tracking dependents of insuree's. You got family coverage with no copay, and continued with that benefit regardless of death, divorce, children over 18, etc.
We tried to get insuree's to register dependents during Annual Enrollment but, had little success in getting turnout to do so, we were hindered by the union in communicating to its constituents
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