EASTERBROOK, Circuit Judge.
Pension and health coverage through multi-employer plans is expensive — for the Teamsters' funeral industry plan in Chicago, about $7,000 per employee per year. Many firms therefore seek to limit coverage to the employees closest to retirement or at greatest risk of illness. Pension and welfare funds resist such efforts to leave them saddled with the bad risks, shorn of contributions from younger and healthier persons. In a series...
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