paraphrase Employers should not offer job training only to laid-off employees under the age of 50, or provide life insurance only to employees of a certain age. Further, benefits will not be considered the same if there is a specific age after which the benefits are no longer provided. Thus, it would be impermissible for an employer to provide disability benefits to employees only until they reach age 62, because this policy results in the denial of a benefit to older employees, such as those who are 63 years old, based solely on their age.18 Despite the importance of providing and administering benefits in a nondiscriminatory manner, the goal is balanced against the reality that, because providing certain benefits to older employees might cost significantly more than providing comparable benefits to younger employees, employers might be reluctant to hire older employees. Based on this, there are some circumstances under which an employer might present a valid defense for the unequal treatment of older employees or for which a statutory exception might apply