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The coverage can be a top-of-mind benefit year-round, decreasing stress levels and saving time.

Advisers should help clients ensure that separation benefits are fair, timely and backed by company support.

Advisers should encourage and assist employers to assess their DI management process to determine if it is meeting employee needs.

Employers who teach workers about money matters can profit from increased employee satisfaction and productivity levels.

In its current form, the bill would drastically reduce employee access to the benefit, but also grant alternative work arrangements known as 'workflex' options.

In addition to a charge for doctor’s services, patients are frequently asked to cover use of the hospital-owned clinic.

Getting back to basics — eat right, exercise and don’t smoke — will move the needle on insurance costs.

Harassment can occur at any level in an organization – and not just by high value employees, and employers play a pivotal role creating a safe workplace.

With employees now seeking targeted, personalized options, employers should turn to solutions such as medical opinion and decision-support services.

Rather than destroy customer service experience, invest in automated technology and live chat capabilities.