No layoffs but resources were re-allocated and some resources were given and end date where no further money would be paid to them by the company.
No offshoring but resources were provided jobs at the company's global office in China and Philippines and the Canadian and US resources were not laid off (see above definition to No layoffs).
It's all in the terminology and choice of words.
If a customer asks what country does the person who is processing my work, performing my underwriting medical interview, answering my phone call, handling my health claims physically sit? The answer would be Philippines...almost 4,000 of such resources and growing quickly. The company does not offshore technically because they own the company to which these reallocated resources work.
All these changes are necessary for future profits. Unfortunately it's all part of the free market enterprise system. Employees are a means to accomplish work. Just like an employer is a means to earn money. There is no emotion invoked between these two relationships...it's a contractual agreement plain and simple. Everyone is replacable. If you are the best at what you do, then you keep your job. If you're not, you loose it. The criteria to which "being best at your job" is up to the people who are responsible to lead the company and to match skills with requirements...not the employees. If you don't like working for the company or like where the company is going...move on! The company owes you nothing, and would likely prefer to replace a bad attitude. Just my two cents worth.