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Employees know very little about disability coverage. But when they learn about it, they often want the coverage and are willing to pay for it, recent surveys find. The Consumer Federation of America and Unum national survey of 1,200 employees finds that only 13% know "a lot" about disability insurance, and less than half (47%) know what its benefits are.

While President Barack Obama's open support of same-sex marriage hasn't caused any immediate change in federal law, the 1st U.S. Circuit Court of Appeals in Boston ruled recently that part of the Defense of Marriage Act - which denies federal benefits to same-sex married couples - is unconstitutional and cannot be enforced. Noting that a "Supreme Court review of DOMA is highly likely," however, the 1st Circuit put the ruling on hold.

Traditional job titles are soon to be a thing of the past at Noblis, a nonprofit research organization based in Falls Church, Va. The company - named to the Great Place to Work Institute's 2011 Best Medium Workplaces list - employs about 800 scientists, engineers, researchers and technology experts who work with public and private sector clients in the areas of health care, national security, transportation, energy, and environmental sustainability and telecommunications.

For all employers' focus on curbing obesity statistics through healthy eating and exercise programs, it can be easy to forget that smoking remains the leading cause of preventable death in the United States. One employer, Nelnet, is remaining vigilant about stamping out smoking among its employee population.

Education and health care retirement plans are using more target-date funds and Roth features in their plans, according to the latest 403(b) plan sponsor survey from the Plan Sponsor Council of America.

Private enterprise is limbering up for the 2012 EBN-EBA Financial Fitness Challenge, an online financial-education program sponsored by Employee Benefit News and Employee Benefit Adviser in partnership with Educated Investor.

Employees willingly would give up a percentage of their salary for a guaranteed source of income during retirement, according to Bank of America Merrill Lynch data. The firm's 2012 Workplace Benefits Report found that 82% of employees reported they would give up 5% or more of their salary for a reliable income during their later years; 42% said they'd be willing to give up 10% or more of their salary. With Americans living longer and uncertainty lingering in the investment marketplace, retirement plan participants may consider guaranteed-income products to protect them financially in their golden years.

It's important to maintain strong relationships with employee benefit advisers who provide professional services at reasonable fees. However, employers must periodically question why they maintain certain relationships, particularly if fees appear to be higher than usual and/or service has declined. Sometimes a relationship is maintained with a vendor due to a long-term friendship. Other times it's maintained due to the influence of a parent corporation or for other business reasons. In all circumstances, employers should periodically evaluate vendors, fees and services, and ensure that no undue influences exist. For this reason, many employers should consider establishing a formal ERISA fiduciary gift policy.

As employers move past the anxiety and drama over the Supreme Court ruling on health care reform, there's no escaping the fact that steep employee medical benefit costs remain as a serious concern - not only in the United States, but all over the world.

Last September, after the Patient Protection and Affordable Care Act gave the Department of Health and Human Services authority to review premium rates in states that didn't have strong enough review programs, the agency began handing down decrees of "unreasonable" premium rates for insurers that proposed increasing rates by an average of 10% or more - meaning HHS can publically shame an insurer.