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Concerns over privacy and reimbursement programs have cast a shadow on these popular and beneficial programs.

Often overlooked, the benefit could provide much-needed relief to employees who need income replacement.

People are expected to have a longer life span, and this could pose a challenge in that it will require bigger nest eggs for retirement.

Many pharmacy benefit managers promote discounts and drug rebates that may look good on paper, but often provide no transparency of true costs. This can result in employers paying much more than they should.

Employers who are considering the switch without talking to an adviser languish over the decision up to 24 months, while those working with a professional complete the process within a year.

Brokers can use advanced data analytics to drive partnerships with self-insured employers, says Advanced Plan for Health’s Neil Godbey.

The knowledge that employers are paying claims can dramatically change employees’ entire outlook on health benefits and total compensation, says CBIZ's Zack Pace.

Adviser Paula Beersdorf offers employers different routes to becoming self-insured.

Adviser Kimberly Eckelbarger shows clients how to increase earnings by right-sizing their health plans.

DOL regulations provide certain welfare plans relief from the annual review requirement, but non-compliance for applicable employers can come with hefty fees.