The Offset at age 65 prevents participants from double dipping by simultaneously receiving retirement benefits and Workers' Compensation benefits, which are designed to replace wages earned from unemployment. See Aless v. Raybestos-Manhattan, Inc., 451 U.S. 504, 515-21 (1981) (use of workers' compensation benefits to offset pension benefits did not violate ERISA). By allowing Plaintiff to receive both her Workers' Compensation benefits and her Early Retirement Pension prior to turning 65, the Contract Plan minimized the effect of her disability on her income during the years prior to Normal Retirement Age. "Disparate treatment may arise simply as an artifact of plan rules that treat one set of workers more generously in respect to the timing of their eligibility for normal retirement, such as by treating a disabled employee as if he/she had worked until the point at which they would be eligible for a normal pension."Ellicker v. Borough of Forest Hills, No. 09 Civ. 1143, 2009 WL 3756904 at *3 (W.D. Pa. Nov. 6, 2009). Such disparate treatment is not discriminatory, because it "turns on pension eligibility and nothing more."