The insurance companies charge top dollar for their insurance and pay out the minimum. The difference is what they pocket.<quoted text>
Not only that but some employees are more valuable to the company than are others. That is why some people are paid more. A single insurance policy cannot possible cover everybody. You see it is the training costs that make something like this too expensive. You cover an employee for say $10,000.00 each and it cost the company from $25,000.00 to say $150,000.00 to train someone to replace them the company looses too much money.
So you see I have been answering your question all along.