I agree with @wildpotato and @downtide. That’s what I was talking about when I said benefits might go away. If you lose your pay, that would mean you were laid off, and in that case you lose both your pay and your benefits. So, benefits are unreliable anyway.
What is even more irritating, your benefits could go away even if your company is doing well. Suppose you work for company A, and it’s doing well. Your competitor is company B, and it is not doing so hot due to some bad management decisions. Company B cuts some of its employees’ benefits. Now your company does some comparative market analysis and feels it can also cut those benefits and not fear losing you to the competition.