Retired workers don’t enjoy any legal presumption that their health- and life-insurance benefits continue for life, the 3rd U.S. Circuit Court of Appeals has ruled.

The court’s unanimous decision in International Union, United Automobile, Aerospace & Agricultural Implement Workers of America, U.A.W. v. Skinner Engine Co. could set the stage for a battle in the U.S. Supreme Court because it creates a sharp split among the federal circuits.