Supplemental payout is set up that way because the company cares much more about profits than it has ever cared about the employees that keep the place running. They are hoping people sc--w up and the company can keep the rest of the money. And don't fool yourself into thinking HR is here for the employees. HR exists to protect the company and management from being sued. If the company truly cared about its long-term employees, they would have continued payments into the Retirement Medical Savings Accounts (RMSAs) which was discontinued in 2013. It wasn't a lot at $500 a year, but at least it was something employees could use at retirement to cover health insurance until Medicare kicks in.
I think this settles it. Putting it up for visibility. Found at @lvp+1sUP5lot.