It’s an odd interstitial time, these strange, quiet, between-the-holidays work days – where employees who forget (or are too busy) take their vacation days or visit the dentist during the rest of the year desperately find themselves trying to max out their use-it-or-lose it benefits.

But it’s also a good opportunity to look at the good, the bad and the ugly of the benefits world in 2013, and to see what we might be able to look forward to in the coming year.

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