By the same token, people fall ill, grow old, and eventually die. The ethical company that covers all those expense for an indefinite duration for it's employee

By the same token, people fall ill, grow old, and eventually die. The ethical company that covers all those expense for an indefinite duration for it's employees will go bankrupt in the face of competitors that do not. If the government does not intervene to force all companies to shoulder the cost on behalf of the society and distribute the costs to everyone else through prices, then it's hard to say it's unethical for a company not to offer free health care, retirement, disability, life and funeral insurance to each and every current or former employee.