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Commentary: A written business plan is important to thrive in the changing benefits landscape, says columnist Jack Kwicien. Here are some of the uses for such a document.

Commentary: Research shows that the financial services industry remains the least trusted business, according to blogger Jerry Kalish. However, people trust business overall to innovate and change, more than the government. Here’s how you can start to build trust back.

Commentary: While voluntary sales continue to rise, billing for these products is turning into a mess, says blogger Tinker Kelly. The concept of self-billing, explained here, can fix this.

Commentary: There are upsides to outsourcing, says blogger Michael Klachefsky. In this case, it helps monitor the regulations and legality of employee absences, especially when related to disability benefits.

Commentary: More DOL audits are conducted around wage and hour issues than any other topic. Be careful to not dismiss this matter, as there could be major benefits-related consequences for employers if problems are found, writes columnist Craig Davidson.

Commentary: Every single play in football is designed to score, to get into that end zone, says blogger Vinnie Daboul. Here’s how insurance consultants can take a play right out of every football coaches’ book to win the game.

Commentary: Many sales people have quirky things they do to ensure they get the sale, be it a certain way they shake hands or a lucky they carry around. But blogger John Graham says it's time to put less energy in superstitions and more into positive sales actions.

Who should be concerned about health care data security?

The six vexing questions employers want and need answers to in order to determine benefits.

Commentary: The deadline for discrimination testing has come and gone. If your clients are like many employers, they didn’t do so well.