Which of the following options can be legally adopted by organizations looking to restructure the workforce to minimize the expense of benefits?

A. Use more independent contractors rather than hire additional employees.
B. Limit the coverage on life insurance, based upon the employee's age.
C. Use more full-time rather than part-time employees.
D. Recruit new employees instead of demanding overtime from the existing employees.
E. Substitute HMO and PPO plans with traditional health insurance plans.

Answer: A. Use more independent contractors rather than hire additional employees.