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While it's uncommon to offer auto enrollment with disability insurance, it can be a valuable asset to an employee's financial security.

Offering too many benefit choices can hurt engagement in programs and lower participation rates. Employers should consider targeted, individual offerings.

Clients need to be ready to offer benefits and workplace perks that match employees most important needs.

Withdrawals for non-medical expenses would no longer be penalty-free under the proposal.

“The struggles and her success in working through it have been an inspiration for our entire community,” Elizabeth Krystyn, co-founder of BKS.

Text messages, mobile apps and videos are all methods brokers can use to get — and keep — employees attention during open enrollment and beyond.

“When you can look at [an employee] and say we just saved you that copay, that means something,” one expert says.

Clients often look to advisers for guidance when implementing a new healthcare spending model.

Employers need to be ready to offer benefits and workplace perks that match employees most important needs.

Small and midsize employers will be able to form or connect with associations to offer employees workplace retirement plans.