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A typical incentive program might include a job interviewing lump-sum payment of several months to a year of pay for anyone over a certain age who wishes to retire. If this program had to be offered to anyone over 40 it would simply cost too much for many employers, and it is reasonable that there could be many valued employees who are relatively young that would be convinced to take the money and run, go to work for a competitor, or launch a second career. Instead of taking these risks, job interviewing an employer would be much more likely to resort to job interviewing mass layoffs without benefits to anyone. When benefits are voluntary and employers are faced with having to choose between providing benefits to everyone or to nobody, they will often choose the later.
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