This has been an ongoing situation for many years, however to a certain extent it is our own fault. Insurers use past experience in terms of risk- their business model is risk and probability. We are a bad risk. I recall seeing some stats from DASA that puts us near the top of the tree for alcoholism as a starter. Why should we get special treatment from an organisation dedicated to making profit? If we were a 'good' risk there would be no problem.
Perhaps that could also be factored into the next pay review?