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		<loc>https://www.benefitnews.com/opinion/do-robs-rob-savers-of-their-retirement-security</loc>
		<lastmod>2010-02-17T13:06:47+00:00</lastmod>
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		<lastmod>2010-02-20T17:12:20+00:00</lastmod>
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		<lastmod>2010-02-25T17:50:14+00:00</lastmod>
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		<lastmod>2010-03-04T02:08:04+00:00</lastmod>
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		<lastmod>2010-03-07T16:59:59+00:00</lastmod>
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		<lastmod>2010-03-07T17:23:47+00:00</lastmod>
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		<lastmod>2010-03-09T13:20:23+00:00</lastmod>
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		<lastmod>2010-03-09T17:16:29+00:00</lastmod>
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		<lastmod>2010-03-17T16:07:27+00:00</lastmod>
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		<lastmod>2010-03-18T11:19:38+00:00</lastmod>
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		<lastmod>2010-03-19T20:02:19+00:00</lastmod>
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		<lastmod>2010-03-22T14:39:27+00:00</lastmod>
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		<lastmod>2010-03-22T19:18:39+00:00</lastmod>
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		<lastmod>2010-03-23T17:54:29+00:00</lastmod>
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		<lastmod>2010-03-25T20:29:19+00:00</lastmod>
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		<lastmod>2010-03-27T17:04:12+00:00</lastmod>
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		<lastmod>2010-03-29T22:05:21+00:00</lastmod>
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		<lastmod>2010-03-30T16:58:04+00:00</lastmod>
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		<lastmod>2010-04-04T15:39:47+00:00</lastmod>
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		<lastmod>2010-04-05T19:25:33+00:00</lastmod>
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		<lastmod>2010-04-08T10:59:03+00:00</lastmod>
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		<lastmod>2010-04-11T15:05:39+00:00</lastmod>
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		<lastmod>2010-04-11T15:12:36+00:00</lastmod>
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		<lastmod>2010-04-12T18:30:05+00:00</lastmod>
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		<lastmod>2010-04-13T19:36:18+00:00</lastmod>
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		<lastmod>2010-04-15T15:27:56+00:00</lastmod>
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		<lastmod>2010-04-19T18:39:43+00:00</lastmod>
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		<lastmod>2010-04-21T14:09:12+00:00</lastmod>
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		<lastmod>2010-04-22T18:32:29+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/wellpoint-makes-us-cringe-but-what-would-you-do</loc>
		<lastmod>2010-04-26T18:46:37+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/is-competition-the-biggest-and-least-expensive-carrot</loc>
		<lastmod>2010-04-27T16:44:28+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/irs-issues-ppaca-dependent-eligibility-guidance</loc>
		<lastmod>2010-04-30T16:15:14+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/pay-or-play-mercer-finds-employers-at-risk-of-doing-both</loc>
		<lastmod>2010-04-28T18:04:41+00:00</lastmod>
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		<lastmod>2010-05-02T19:16:10+00:00</lastmod>
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		<lastmod>2010-05-04T16:31:53+00:00</lastmod>
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		<lastmod>2010-05-03T22:22:44+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/before-you-e-file-your-form-5500-read-these-tips</loc>
		<lastmod>2010-05-06T11:36:12+00:00</lastmod>
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		<lastmod>2010-05-11T00:36:55+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/firms-taking-do-or-die-approach-to-wellness</loc>
		<lastmod>2010-05-11T12:29:35+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/if-ive-told-you-once-ive-told-you-157-times</loc>
		<lastmod>2010-05-13T12:27:49+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/time-for-sun-sandals-and-the-casual-dress-memo</loc>
		<lastmod>2010-05-14T16:33:36+00:00</lastmod>
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		<lastmod>2010-05-13T16:31:39+00:00</lastmod>
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		<lastmod>2010-05-16T20:20:13+00:00</lastmod>
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		<lastmod>2010-05-18T18:48:23+00:00</lastmod>
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		<lastmod>2010-05-19T19:30:48+00:00</lastmod>
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		<lastmod>2010-05-21T16:02:29+00:00</lastmod>
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		<lastmod>2010-05-23T14:31:45+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/one-third-of-managers-not-measured-on-employee-engagement</loc>
		<lastmod>2010-05-25T16:24:54+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/employers-begin-crash-testing-plans-to-avoid-cadillac-tax-other-ppaca-cost-increases</loc>
		<lastmod>2010-05-27T15:36:39+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/what-do-you-do-when-technology-goes-wrong</loc>
		<lastmod>2010-05-27T17:13:17+00:00</lastmod>
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	<url>
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		<lastmod>2010-05-28T17:41:23+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/just-this-once-if-the-irs-comes-knocking-dont-run</loc>
		<lastmod>2010-06-01T23:28:56+00:00</lastmod>
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		<lastmod>2010-06-03T13:19:17+00:00</lastmod>
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		<lastmod>2010-06-04T12:13:46+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/keeping-defaulted-participants-from-defaulting-on-retirement-savings-goals</loc>
		<lastmod>2010-06-07T14:57:09+00:00</lastmod>
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		<lastmod>2010-06-08T16:06:50+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/dear-madam-secretary-back-off</loc>
		<lastmod>2010-06-09T17:03:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/reform-roundtable-redux</loc>
		<lastmod>2010-06-10T16:00:42+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/when-it-comes-to-early-retiree-reinsurance-funds-get-em-while-you-can</loc>
		<lastmod>2010-06-09T18:02:02+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/hr-analysis-predicts-portugal-as-fifa-world-cup-winner</loc>
		<lastmod>2010-06-11T14:34:05+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/is-the-employee-exodus-a-drizzle-or-downpour</loc>
		<lastmod>2010-06-14T20:35:41+00:00</lastmod>
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		<lastmod>2010-06-16T13:02:18+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/voluntary-confession-brokers-spill-what-they-look-for-in-a-voluntary-carrier</loc>
		<lastmod>2010-06-17T18:10:37+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/fathers-day-frosties-and-family-combine-in-the-best-way-this-weekend</loc>
		<lastmod>2010-06-18T17:06:23+00:00</lastmod>
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		<loc>https://www.benefitnews.com/opinion/when-it-comes-to-401-k-fees-more-money-more-problems</loc>
		<lastmod>2010-06-22T18:04:59+00:00</lastmod>
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		<lastmod>2010-06-22T22:51:46+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/employees-looking-forward-to-post-recession-r-r</loc>
		<lastmod>2010-06-24T16:23:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-employers-just-telling-surveyors-what-they-want-to-hear</loc>
		<lastmod>2010-06-23T19:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/maybe-go-to-seattle-grace-instead-one-house-case-estimated-to-cost-almost-300-000</loc>
		<lastmod>2010-06-28T14:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/silly-survey-yields-notable-results-eventually</loc>
		<lastmod>2010-06-28T18:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/lying-at-work-may-cost-more-than-integrity</loc>
		<lastmod>2010-06-29T19:22:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/do-you-want-to-or-need-to-be-ppaca-certified</loc>
		<lastmod>2010-06-30T16:18:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/im-late-im-late-for-a-very-important-date</loc>
		<lastmod>2010-07-02T12:25:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-like-health-plans-even-less-than-consumers-do</loc>
		<lastmod>2010-07-03T11:27:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/status-check-does-your-job-make-you-happy</loc>
		<lastmod>2010-07-09T16:26:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/texts-twitter-and-benefits-dont-mix-employees-say</loc>
		<lastmod>2010-07-08T20:03:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/red-white-and-choose-seniors-like-independence-of-buying-from-exchanges</loc>
		<lastmod>2010-07-08T20:47:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/will-consulting-consolidation-affect-your-business</loc>
		<lastmod>2010-07-12T19:32:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hire-may-or-may-not-be-helping-with-hiring</loc>
		<lastmod>2010-07-13T20:01:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/lack-of-money-the-root-of-retirement-evil</loc>
		<lastmod>2010-07-15T19:02:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/and-the-i-comm-award-goes-to</loc>
		<lastmod>2010-07-19T16:16:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nongrandfathered-preventive-care-guidance-released</loc>
		<lastmod>2010-07-22T16:21:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-video-statements-grounds-for-firing</loc>
		<lastmod>2010-07-21T17:06:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/should-you-have-to-bribe-workers-to-fly-coach</loc>
		<lastmod>2010-07-23T16:30:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employees-execs-agree-true-recovery-depends-on-management-not-money</loc>
		<lastmod>2010-07-27T16:10:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/do-employers-share-the-blame-for-retirement-unreadiness</loc>
		<lastmod>2010-07-26T17:30:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employee-morale-tops-health-care-on-list-of-hr-challenges-really</loc>
		<lastmod>2010-07-28T19:33:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/office-fridge-gripes-exposed</loc>
		<lastmod>2010-07-30T17:18:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebsa-plays-hokey-pokey-with-proposed-ppaca-rule</loc>
		<lastmod>2010-08-03T13:19:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/taking-the-broad-view-on-bereavement</loc>
		<lastmod>2010-08-04T15:55:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-the-heck-should-employers-ban-swearing</loc>
		<lastmod>2010-08-05T12:20:28+00:00</lastmod>
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	<url>
		<loc>https://www.benefitnews.com/opinion/go-green-to-help-get-out-of-the-red</loc>
		<lastmod>2010-08-09T17:09:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employees-productivity-decreasing-along-with-their-cash-flow</loc>
		<lastmod>2010-08-11T18:31:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/pay-raises-bonuses-on-the-horizon</loc>
		<lastmod>2010-08-12T12:15:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/still-no-seat-at-the-cool-kids-table-for-life-disability</loc>
		<lastmod>2010-08-12T19:21:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/plan-sponsors-move-at-sloths-pace-to-reinstate-401-k-match</loc>
		<lastmod>2010-08-13T18:59:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/fico-friend-or-foe-in-hiring</loc>
		<lastmod>2010-08-17T12:46:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yellow-bus-red-flags-for-leave-policies</loc>
		<lastmod>2010-08-17T19:19:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/fair-or-frivolous-lawsuit-you-make-the-call</loc>
		<lastmod>2010-08-19T14:49:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/bechtold-named-as-first-female-ebay</loc>
		<lastmod>2010-08-19T15:09:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hardship-withdrawals-hit-10-year-high</loc>
		<lastmod>2010-08-20T18:05:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/consumer-confidence-in-health-care-plummets</loc>
		<lastmod>2010-08-25T12:51:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-told-the-secretary-to-back-off-you-had-my-back</loc>
		<lastmod>2010-08-26T19:10:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/insurer-rep-offers-opinion-on-dependent-eligibility-extension</loc>
		<lastmod>2010-08-30T19:26:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/whats-in-a-name-a-lot-when-it-comes-to-disability-policy</loc>
		<lastmod>2010-09-01T13:47:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/will-health-care-reform-drama-leave-your-broker-on-the-cutting-room-floor</loc>
		<lastmod>2010-09-02T16:24:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cant-buy-me-motivation-employees-say</loc>
		<lastmod>2010-09-01T22:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/any-tips-for-avoiding-a-double-dip</loc>
		<lastmod>2010-09-07T19:16:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/for-employers-the-magic-number-is-6</loc>
		<lastmod>2010-09-09T20:05:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/401-k-day-is-there-anything-to-celebrate</loc>
		<lastmod>2010-09-10T16:19:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/usa-today-offers-war-of-words-over-health-care-reform</loc>
		<lastmod>2010-09-13T17:32:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/david-vs-david-small-biz-battles-for-job-creation-credibility</loc>
		<lastmod>2010-09-13T23:29:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/workplace-bias-claims-by-muslims-grow</loc>
		<lastmod>2010-09-14T18:20:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/survey-reveals-401-k-participants-view-advice-as-for-the-old-and-rich</loc>
		<lastmod>2010-09-15T21:12:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-you-need-to-know-about-hrcis-changing-eligibility-requirements</loc>
		<lastmod>2010-09-20T13:57:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/value-based-design-survey-to-pick-pros-brains-on-wellness-economy-health-care-reform</loc>
		<lastmod>2010-09-22T16:14:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/retirement-debt-clock-starts-ticking-at-66-trillion</loc>
		<lastmod>2010-09-21T19:01:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ppaca-checklist-for-open-enrollment</loc>
		<lastmod>2010-09-22T20:04:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/looking-to-sustainability-and-competitiveness-employers-start-pruning-the-money-tree</loc>
		<lastmod>2010-09-23T12:37:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/2010-benny-winners-sit-down-to-talk-recession-recovery-and-reform</loc>
		<lastmod>2010-09-23T21:22:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/boca-or-bust-bon-voyage-for-bfe-2010</loc>
		<lastmod>2010-09-26T18:28:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/thats-what-he-said-luntzs-best-bfe-quotes</loc>
		<lastmod>2010-09-27T17:25:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/say-what-more-quotable-gems-from-2010-benefits-forum-expo</loc>
		<lastmod>2010-10-04T19:32:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/luntz-offers-10-commandments-and-21-buzzwords-for-communicating-health-care</loc>
		<lastmod>2010-10-06T16:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ppacas-half-birthday-doesnt-offer-much-to-celebrate</loc>
		<lastmod>2010-10-06T16:53:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-mistakes-that-will-turn-golden-years-to-tin</loc>
		<lastmod>2010-10-06T18:23:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/your-companys-negative-nellies-are-costing-you</loc>
		<lastmod>2010-10-10T12:52:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/clearing-the-air-on-posting-propaganda-and-ppaca</loc>
		<lastmod>2010-10-11T13:33:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-looking-to-boost-workers-proficiency-in-the-4-cs</loc>
		<lastmod>2010-10-13T13:57:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/regulators-clarify-grandfathered-status-is-not-all-or-nothing-proposition</loc>
		<lastmod>2010-10-15T16:19:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/golden-arches-gets-golden-ticket-from-obama-administration</loc>
		<lastmod>2010-10-14T19:35:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/high-cost-care-doesnt-equal-high-quality-ncqa-concludes</loc>
		<lastmod>2010-10-16T15:29:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-many-renminbi-are-in-a-dollar-expats-improperly-report-worldwide-income</loc>
		<lastmod>2010-10-20T17:46:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/breast-cancer-patients-not-just-surviving-but-thriving-rtw-rates-more-than-double</loc>
		<lastmod>2010-10-21T17:29:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wellness-mega-trends-on-point-or-overstated</loc>
		<lastmod>2010-10-25T15:15:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/blogger-says-retirement-options-are-work-indefinitely-live-poor-or-die</loc>
		<lastmod>2010-10-25T15:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/would-we-should-we-riot-over-raising-the-retirement-age</loc>
		<lastmod>2010-10-26T15:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/towers-watsons-glickstein-breaks-down-new-cash-balance-regs</loc>
		<lastmod>2010-10-26T16:11:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/benefits-forum-expo-calls-for-2011-speaker-proposals</loc>
		<lastmod>2010-10-29T15:54:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/when-will-we-say-enough-is-enough-to-obesity-diabetes</loc>
		<lastmod>2010-11-01T10:36:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/november-marks-long-term-care-awareness-month</loc>
		<lastmod>2010-11-01T18:09:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/election-day-could-be-benefits-game-changer-expert-speculates</loc>
		<lastmod>2010-11-03T17:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/boehner-seeking-repeal-on-health-care-reform-monstrosity</loc>
		<lastmod>2010-11-04T13:11:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/got-the-new-cw-send-your-cv-to-be-an-ebn-ce</loc>
		<lastmod>2010-11-04T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/workers-staying-longer-but-producing-less-pwc-finds</loc>
		<lastmod>2010-11-09T14:08:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/talking-about-telemedicine</loc>
		<lastmod>2010-11-09T19:47:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebn-launches-benefitstv-all-benefits-all-the-time</loc>
		<lastmod>2010-11-11T17:06:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/debt-reduction-proposal-would-decimate-401-k-saving-expert-claims</loc>
		<lastmod>2010-11-12T15:03:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nbch-leader-voices-employer-concerns-about-health-care-reform</loc>
		<lastmod>2010-11-15T22:31:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-to-take-away-what-to-trash-from-the-twinkie-diet</loc>
		<lastmod>2010-11-16T20:31:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/beyond-eyeglasses-and-advil-tips-for-helping-employees-spend-up-their-fsas</loc>
		<lastmod>2010-11-17T21:39:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/honor-the-great-american-smokeout-go-kick-butt</loc>
		<lastmod>2010-11-18T18:28:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/benefitnewscom-is-the-site-that-laid-the-golden-widget</loc>
		<lastmod>2010-11-22T17:28:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/skip-the-merrymaking-employees-would-rather-have-money</loc>
		<lastmod>2010-11-30T13:51:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/thanks-for-nothing-employers-less-generous-with-turkey-day-time-off</loc>
		<lastmod>2010-11-30T13:53:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/gross-up-to-get-a-leg-up-as-employer-of-choice-attorney-says</loc>
		<lastmod>2010-12-01T13:08:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-lax-on-providing-lactation-space-survey-finds</loc>
		<lastmod>2010-12-03T14:28:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/this-holiday-season-give-the-gift-of-financial-security</loc>
		<lastmod>2010-12-06T15:07:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dol-wants-more-401-k-disclosure</loc>
		<lastmod>2010-12-07T17:47:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-doctor-will-skype-you-now-video-platform-puts-new-twist-on-house-calls</loc>
		<lastmod>2010-12-08T21:50:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/five-for-fido-the-top-dog-friendly-companies</loc>
		<lastmod>2010-12-10T17:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-employees-go-sloth-on-roths</loc>
		<lastmod>2010-12-12T16:33:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/va-judge-rules-individual-mandate-is-unconstitutional</loc>
		<lastmod>2010-12-14T16:57:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-far-would-you-go-to-catch-leave-cheaters-in-the-act</loc>
		<lastmod>2010-12-15T00:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/happy-holidays-from-the-daily-diversion</loc>
		<lastmod>2010-12-22T16:57:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/republicans-set-repeal-and-replace-process-in-motion</loc>
		<lastmod>2011-01-05T14:13:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/btv-rolls-into-2011-with-new-episodes</loc>
		<lastmod>2011-01-05T16:57:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/plan-sponsors-participants-may-have-a-friend-in-fica</loc>
		<lastmod>2011-01-08T17:42:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-should-jillian-michaels-get-all-the-credit-share-your-wellness-success-stories-with-ebn</loc>
		<lastmod>2011-01-11T21:06:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/court-ruling-adds-new-wrinkle-in-fmla-enforcement</loc>
		<lastmod>2011-01-12T21:29:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/chvis-nayer-draws-connection-between-tucson-shooting-health-care-debate</loc>
		<lastmod>2011-01-14T21:01:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/start-2011-on-firm-fiduciary-footing</loc>
		<lastmod>2011-01-17T20:53:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/live-the-lessons-of-jack-lalanne</loc>
		<lastmod>2011-01-24T17:13:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dip-in-disability-claims-coincides-with-recession-nbgh-finds</loc>
		<lastmod>2011-01-24T18:11:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cash-balance-plans-anyone</loc>
		<lastmod>2011-01-24T20:15:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/behind-the-scenes-look-at-the-state-of-the-union</loc>
		<lastmod>2011-01-26T18:53:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/2011-sotu-in-review-stem-salmon-freezes-forums-and-more</loc>
		<lastmod>2011-01-26T19:46:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-401-k-s-unfair-you-make-the-call</loc>
		<lastmod>2011-01-31T19:41:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/out-with-the-old-in-with-the-new-w-2</loc>
		<lastmod>2011-01-31T20:18:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/want-to-get-out-of-ppaca-compliance-offer-a-mini-med-plan</loc>
		<lastmod>2011-02-01T00:07:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/fla-judge-rules-not-just-individual-mandate-but-entire-ppaca-unconstitutional</loc>
		<lastmod>2011-02-01T18:33:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/another-day-another-retirement-security-hearing</loc>
		<lastmod>2011-02-03T16:32:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nayer-offers-ebn-exclusive-peek-into-latest-chvi-research-results</loc>
		<lastmod>2011-02-03T18:10:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-know-401-k-s-arent-perfect-but-a-ponzi-scheme</loc>
		<lastmod>2011-02-08T17:02:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebn-wants-you-as-a-submitter-not-a-soldier</loc>
		<lastmod>2011-02-08T18:42:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/benefits-messages-finally-getting-through-to-gen-y</loc>
		<lastmod>2011-02-10T14:32:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/individual-mandate-is-the-devil-you-know-better-than-the-one-you-dont</loc>
		<lastmod>2011-02-11T15:01:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/heres-to-your-heart</loc>
		<lastmod>2011-02-14T18:48:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/would-you-rather-your-job-suit-your-life-or-stimulate-your-mind</loc>
		<lastmod>2011-02-15T00:24:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/new-world-order-first-ophiuchus-now-gen-y-doesnt-exist</loc>
		<lastmod>2011-02-16T14:30:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/if-we-all-decided-to-rowe-would-work-life-be-but-a-dream</loc>
		<lastmod>2011-02-17T00:06:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/guest-blogger-health-care-red-tape-runaround-lead-to-frustration</loc>
		<lastmod>2011-02-18T14:47:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/administration-gets-oprah-like-with-ppaca-waivers</loc>
		<lastmod>2011-02-22T16:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/feed-your-piggy-banks-its-america-saves-week</loc>
		<lastmod>2011-02-22T18:10:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/watching-wisconsin-who-moved-my-cheese</loc>
		<lastmod>2011-02-24T16:52:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/guest-blogger-telework-gains-momentum</loc>
		<lastmod>2011-02-24T17:54:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employees-and-employers-list-overlapping-priorities-challenges</loc>
		<lastmod>2011-02-28T20:05:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-rising-economic-tide-lifts-all-salaries</loc>
		<lastmod>2011-03-02T13:25:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/guest-blogger-are-you-your-companys-casper</loc>
		<lastmod>2011-03-08T16:18:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/to-everything-there-is-a-season</loc>
		<lastmod>2011-03-08T16:45:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/absence-may-not-necessarily-make-the-heart-grow-fonder</loc>
		<lastmod>2011-03-22T12:53:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-had-an-hr-phone-a-friend-now-you-do</loc>
		<lastmod>2011-03-22T15:19:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/one-year-later-ppaca-remains-divisive</loc>
		<lastmod>2011-03-23T16:26:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-should-model-recruiting-after-american-idol-blogger-says</loc>
		<lastmod>2011-03-24T15:55:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-top-10-hr-benefits-trouble-areas-revealed</loc>
		<lastmod>2011-03-25T16:06:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/biggest-loser-partner-provides-behind-the-scenes-peek-at-shows-medical-technology</loc>
		<lastmod>2011-03-29T17:03:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/sneak-peek-read-part-of-our-april-15-interview-with-author-jody-thompson</loc>
		<lastmod>2011-03-30T18:32:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/kudos-for-kaiser-giving-new-meaning-to-paying-it-forward</loc>
		<lastmod>2011-03-31T16:07:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/happy-national-employee-benefits-day</loc>
		<lastmod>2011-04-04T16:37:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cms-puts-the-brakes-on-errp-applications</loc>
		<lastmod>2011-04-07T13:54:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/rand-study-reveals-catch-22-among-hdhp-members</loc>
		<lastmod>2011-04-07T14:49:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/shutdown-countdown-is-on</loc>
		<lastmod>2011-04-07T15:54:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/something-wicked-this-way-comes-defining-essential-benefits</loc>
		<lastmod>2011-04-08T14:41:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/whats-worse-360-degree-feedback-or-20-20-hindsight</loc>
		<lastmod>2011-04-11T17:54:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/know-your-numbers-blood-pressure-cholesterol-and-your-stress-number</loc>
		<lastmod>2011-04-12T18:36:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-advertise-31-million-jobs-in-february</loc>
		<lastmod>2011-04-13T16:24:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/turning-wellness-cw-on-its-ear</loc>
		<lastmod>2011-04-14T19:30:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dol-seeking-comment-on-updating-e-disclosure-rules</loc>
		<lastmod>2011-04-18T17:02:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/six-entrepreneurs-get-a-much-deserved-spotlight</loc>
		<lastmod>2011-04-20T16:16:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-retraction-and-an-apology</loc>
		<lastmod>2011-04-21T16:21:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-do-you-solve-a-problem-like-doma</loc>
		<lastmod>2011-04-25T16:25:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/author-ids-seven-types-of-employees</loc>
		<lastmod>2011-04-27T16:46:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hiring-is-in-the-eye-of-the-beholder</loc>
		<lastmod>2011-04-28T16:23:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/technology-is-not-a-license-to-lose-your-manners</loc>
		<lastmod>2011-04-29T16:05:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/sabbaticals-service-missions-may-offer-vicarious-benefits</loc>
		<lastmod>2011-05-02T14:03:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/drug-shortages-put-patients-your-employees-at-risk</loc>
		<lastmod>2011-05-02T18:26:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/house-gop-returns-only-no-exchanges</loc>
		<lastmod>2011-05-03T19:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/words-to-the-wise-on-edis</loc>
		<lastmod>2011-05-04T16:20:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/avoiding-wage-war-attorneys-advice-for-preventing-wage-and-hour-lawsuits</loc>
		<lastmod>2011-05-05T16:50:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/new-app-unveils-what-your-email-inbox-says-about-your-work-habits</loc>
		<lastmod>2011-05-11T16:33:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/phasing-out-the-five-day-workweek</loc>
		<lastmod>2011-05-12T13:57:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/when-reform-rains-it-pours</loc>
		<lastmod>2011-05-12T17:58:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dol-wage-hour-widget-offers-pros-and-cons</loc>
		<lastmod>2011-05-18T01:50:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dol-outlines-common-mistakes-in-vcp-submissions</loc>
		<lastmod>2011-05-18T15:51:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/does-your-retirement-plan-have-an-a-annuity</loc>
		<lastmod>2011-05-23T19:22:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/transamerica-exec-slams-working-indefinitely-as-retirement-strategy</loc>
		<lastmod>2011-05-24T19:02:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-employers-enabling-bad-retirement-habits</loc>
		<lastmod>2011-05-26T03:27:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/lockdown-on-leave-is-okay-court-rules</loc>
		<lastmod>2011-05-26T16:27:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dont-fry-day-great-message-despite-bad-name</loc>
		<lastmod>2011-05-27T16:30:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/with-wellness-actions-speak-louder-than-words</loc>
		<lastmod>2011-06-01T17:29:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cant-we-all-just-get-along</loc>
		<lastmod>2011-06-02T18:20:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-house-calls-a-bad-call</loc>
		<lastmod>2011-06-06T19:15:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ovarian-cancer-screening-ineffective-researchers-find</loc>
		<lastmod>2011-06-08T20:16:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/aarp-video-aims-to-help-workers-make-dollars-and-sense-of-401-k-fees</loc>
		<lastmod>2011-06-10T15:30:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/paper-disclosures-are-soooo-20th-century-researchers-say</loc>
		<lastmod>2011-06-14T18:04:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/more-errp-funds-may-be-in-the-pipeline</loc>
		<lastmod>2011-06-15T16:12:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/survey-employees-willing-to-take-a-promotion-without-a-pay-raise</loc>
		<lastmod>2011-06-16T15:47:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/scotus-sides-with-wal-mart-boon-to-business-blow-to-working-women-or-both</loc>
		<lastmod>2011-06-20T16:52:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/obama-administration-to-suspend-ppaca-waivers</loc>
		<lastmod>2011-06-23T16:10:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-best-thing-i-saw-and-overheard-today-at-shrm-2011</loc>
		<lastmod>2011-06-27T19:37:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/shrm-presenter-makes-swear-filled-case-for-embracing-social-media</loc>
		<lastmod>2011-06-28T21:12:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/email-turns-40-getting-better-with-age</loc>
		<lastmod>2011-06-30T15:28:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/calling-all-ppaca-professors</loc>
		<lastmod>2011-07-05T16:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebn-readers-continue-discussion-on-five-day-40-hour-workweek</loc>
		<lastmod>2011-07-06T18:36:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/coming-in-ebn-september-reward-recognize-then-report</loc>
		<lastmod>2011-07-07T18:30:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/caring-trumps-compensation-according-to-survey</loc>
		<lastmod>2011-07-13T19:39:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/shrm-urges-congress-to-make-flsa-more-flexible</loc>
		<lastmod>2011-07-14T14:54:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/new-tool-lets-employees-pull-on-prescription-plan-purse-strings</loc>
		<lastmod>2011-07-15T15:38:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/asppa-rails-against-gang-of-six-debt-ceiling-proposal</loc>
		<lastmod>2011-07-22T15:56:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/plan-sponsors-dont-understand-401-k-fees-either-survey-finds</loc>
		<lastmod>2011-07-25T16:33:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebn-announces-2011-i-comm-awards-winners</loc>
		<lastmod>2011-07-25T19:43:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/senators-seek-to-end-fsa-use-it-or-lose-it-clause</loc>
		<lastmod>2011-07-26T14:00:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-does-being-a-benefits-professional-mean-to-you</loc>
		<lastmod>2011-07-26T20:05:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/now-you-see-them-now-you-dont-21-disappearing-benefits</loc>
		<lastmod>2011-07-28T01:06:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/being-a-professional-producer-or-productive-professional</loc>
		<lastmod>2011-08-01T11:35:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/interesting-but-ironic-study-to-examine-working-environment-of-congress</loc>
		<lastmod>2011-08-01T17:58:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/blackberry-on-the-beach-almost-half-will-work-during-summer-vacation</loc>
		<lastmod>2011-08-02T14:12:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/passive-benefits-enrollment-is-risky-practice-expert-says</loc>
		<lastmod>2011-08-03T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/change-the-conversation</loc>
		<lastmod>2011-08-04T13:59:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/health-care-reform-brings-opportunity-for-voluntary-benefits</loc>
		<lastmod>2011-08-04T15:24:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-your-employees-smarter-than-a-12th-grader</loc>
		<lastmod>2011-08-04T15:34:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebn-launches-mobile-tablet-apps</loc>
		<lastmod>2011-08-05T15:09:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/ask-the-expert-about-ppaca</loc>
		<lastmod>2011-08-08T13:17:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-super-bowl-of-benefits-communications</loc>
		<lastmod>2011-08-09T12:59:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/with-liberty-and-flexibility-for-all</loc>
		<lastmod>2011-08-09T17:31:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/talent-schmalent-employers-make-pitiful-effort-to-identify-high-performers</loc>
		<lastmod>2011-08-10T16:46:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/create-value-for-clients-prospect</loc>
		<lastmod>2011-08-11T12:41:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/ethical-concerns-surround-new-health-care-reform-bill</loc>
		<lastmod>2011-08-15T13:47:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebn-invites-you-to-share-your-memories-lasting-lessons-from-9-11</loc>
		<lastmod>2011-08-15T20:14:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/turn-open-enrollment-into-an-open-discussion</loc>
		<lastmod>2011-08-16T13:21:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-does-transparency-in-health-care-mean</loc>
		<lastmod>2011-08-18T13:44:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-win-the-wild-west-of-social-media</loc>
		<lastmod>2011-08-18T16:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-will-you-make-your-role-and-services-relevant</loc>
		<lastmod>2011-08-22T09:12:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ei-trumps-iq-hiring-managers-say</loc>
		<lastmod>2011-08-22T20:01:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/mind-over-matter-applies-to-wellness-strategies-survey-finds</loc>
		<lastmod>2011-08-23T16:22:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-old-way-of-selling-has-changed</loc>
		<lastmod>2011-08-23T13:26:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/new-401-k-rules-require-hard-questions</loc>
		<lastmod>2011-08-25T13:24:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/going-the-distance-worksite-walking-programs-make-giant-strides</loc>
		<lastmod>2011-08-25T18:09:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/could-garden-leave-be-the-new-phased-retirement</loc>
		<lastmod>2011-08-26T16:30:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/being-a-benefits-chorus-line-stand-out-just-got-tougher</loc>
		<lastmod>2011-08-29T15:02:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/if-you-cant-see-opportunity-in-ppaca</loc>
		<lastmod>2011-08-30T13:36:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/schools-in-surveys-out-summer-best-time-for-employee-surveys</loc>
		<lastmod>2011-08-30T14:50:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/go-ahead-flaunt-it-on-facebook-hr-pros-say-social-media-a-non-factor-in-hiring</loc>
		<lastmod>2011-08-31T13:59:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-opportunity-in-ppaca-part-ii</loc>
		<lastmod>2011-09-01T13:40:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/tackling-bernie-madoff-attack-ethical-challenges-head-on</loc>
		<lastmod>2011-09-06T13:23:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/gen-y-unemployment-stands-at-164-what-can-should-employers-do</loc>
		<lastmod>2011-09-06T17:29:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/women-dont-sell-yourselves-or-your-familys-security-short</loc>
		<lastmod>2011-09-07T18:23:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-get-an-extra-week-of-work-out-of-employees-without-raising-salaries</loc>
		<lastmod>2011-09-08T15:37:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/home-is-where-the-productivity-is-survey-finds</loc>
		<lastmod>2011-09-09T14:11:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-renewal-season-like-none-other</loc>
		<lastmod>2011-09-12T13:31:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/add-voluntary-life-coverage-the-average-american-needs-it</loc>
		<lastmod>2011-09-13T13:22:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-penalize-workers-for-using-work-life-programs</loc>
		<lastmod>2011-09-14T16:56:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/does-hgtv-do-nap-rooms</loc>
		<lastmod>2011-09-14T19:17:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/plan-sponsors-dont-understand-401-k-fees-either-survey-finds-2717625</loc>
		<lastmod>2011-09-15T11:37:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-rate-of-ineligible-dependents-increases-with-health-care-reform</loc>
		<lastmod>2011-09-15T19:26:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/follow-ebn-on-twitter-and-get-a-chance-to-win-an-nfl-hall-of-famers-autograph</loc>
		<lastmod>2011-09-16T14:34:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-does-responsibility-in-health-care-look-like</loc>
		<lastmod>2011-09-19T13:34:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-do-clients-assign-advisers-value</loc>
		<lastmod>2011-09-20T13:32:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/from-your-mouth-to-their-ears-send-me-your-qs-for-ebns-great-places-to-work-panelists</loc>
		<lastmod>2011-09-21T16:03:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-7-deadly-sins-of-leadership-communication</loc>
		<lastmod>2011-09-21T17:59:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-vendor-or-a-strategic-partner</loc>
		<lastmod>2011-09-22T13:22:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cowboy-up-its-time-for-bfe-2011</loc>
		<lastmod>2011-09-23T18:09:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/follow-the-eba-summit-live-from-texas</loc>
		<lastmod>2011-09-23T19:18:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/health-care-reform-is-a-reality-now-what</loc>
		<lastmod>2011-09-26T10:51:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/if-only-there-were-a-barbara-eden-of-benefits</loc>
		<lastmod>2011-09-26T20:10:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/ask-the-expert-about-alternative-funding-strategies</loc>
		<lastmod>2011-09-27T11:19:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/customary-vs-metric-units</loc>
		<lastmod>2011-09-29T13:45:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/teleworkers-confess-biggest-at-home-distractions</loc>
		<lastmod>2011-09-29T14:47:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/put-your-benefits-communications-on-a-diet</loc>
		<lastmod>2011-10-03T15:24:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/marking-breast-cancer-awareness-month-awareness-first-preparedness-next</loc>
		<lastmod>2011-10-04T02:28:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/studies-indicate-differing-perspectives-on-voluntary-benefits</loc>
		<lastmod>2011-10-04T14:11:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employees-reveal-their-picks-for-improve-your-office-day</loc>
		<lastmod>2011-10-04T20:28:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/new-retirement-plan-delivered-on-a-silver-platter</loc>
		<lastmod>2011-10-06T13:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/personal-professional-reflections-merge-when-considering-bereavement</loc>
		<lastmod>2011-10-06T16:27:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/walgreens-survey-offers-100-million-reasons-to-get-a-flu-shot</loc>
		<lastmod>2011-10-07T16:25:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/easing-stress-during-open-enrollment</loc>
		<lastmod>2011-10-11T11:28:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/class-act-called-a-zombie-that-produces-phantom-savings</loc>
		<lastmod>2011-10-13T08:10:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-most-common-mistakes-sales-producers-make-and-how-to-correct-them</loc>
		<lastmod>2011-10-17T13:58:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/class-act-called-a-zombie-that-produces-phantom-savings-updated</loc>
		<lastmod>2011-10-17T16:43:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/bill-would-waive-penalty-for-401-k-withdrawals-to-prevent-foreclosure</loc>
		<lastmod>2011-10-17T17:30:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/ask-the-expert-about-health-benefits-audits</loc>
		<lastmod>2011-10-18T15:30:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-we-headed-for-a-world-without-benefits</loc>
		<lastmod>2011-10-19T19:28:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/did-you-get-paid-for-your-work-the-answer-might-surprise-you</loc>
		<lastmod>2011-10-20T12:54:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-about-the-peo-option</loc>
		<lastmod>2011-10-24T11:01:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/employer-health-care-reform-strategies-shifting</loc>
		<lastmod>2011-10-25T13:31:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/author-speaks-to-ebn-about-vision-of-benefit-less-world</loc>
		<lastmod>2011-10-25T13:49:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-ethics-of-gratitude-advice-for-newbies-and-others</loc>
		<lastmod>2011-10-26T13:24:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-bold-change-in-buying-health-insurance</loc>
		<lastmod>2011-10-27T14:08:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-one-thing-in-your-office-thats-holding-back-your-wellness-program</loc>
		<lastmod>2011-10-27T17:57:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/looking-up-from-the-spreadsheet-financial-wellness</loc>
		<lastmod>2011-10-31T13:24:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/time-heals-all-wounds-workers-view-ppaca-more-favorably</loc>
		<lastmod>2011-10-31T18:06:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/long-term-care-continues-to-be-a-problem-child-for-benefits-professionals</loc>
		<lastmod>2011-11-01T11:16:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/innovation-core-business-strategy-or-cool-buzz-word</loc>
		<lastmod>2011-11-02T14:07:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/keep-your-head-in-the-clouds-to-reduce-health-plan-costs</loc>
		<lastmod>2011-11-02T15:48:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/want-to-increase-the-value-of-your-benefits</loc>
		<lastmod>2011-11-03T13:24:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/researchers-offer-5-ways-to-raise-us-retirement-rating</loc>
		<lastmod>2011-11-04T17:41:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/keep-your-head-in-the-clouds-to-reduce-health-plan-costs-2719577</loc>
		<lastmod>2011-11-07T14:26:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/ask-the-expert-executive-medical-reimbursement-plans</loc>
		<lastmod>2011-11-08T14:44:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/learning-to-say-no-and-stop-making-sacrifices</loc>
		<lastmod>2011-11-09T14:40:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/one-employers-retention-strategy-five-years-50-000</loc>
		<lastmod>2011-11-09T20:37:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-meet-employers-needs-while-attaining-business-objectives</loc>
		<lastmod>2011-11-10T14:21:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/investors-understand-target-date-funds-sort-of</loc>
		<lastmod>2011-11-10T15:04:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5500-wrench-for-self-insured-commission-reporting</loc>
		<lastmod>2011-11-14T18:06:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/demise-of-employer-sponsored-insurance-in-ppaca-greatly-exaggerated</loc>
		<lastmod>2011-11-14T19:25:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/driving-your-cdhp-off-the-lot-and-creating-satisfied-customers-2719825</loc>
		<lastmod>2011-11-15T14:24:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/driving-your-cdhp-off-the-lot-and-creating-satisfied-customers</loc>
		<lastmod>2011-11-15T14:25:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/theres-no-place-like-community-engaging-local-resources-in-wellness-efforts</loc>
		<lastmod>2011-11-16T21:04:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dont-dismiss-the-great-american-smokeout</loc>
		<lastmod>2011-11-17T15:37:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/motivation-not-math-may-be-problem-for-overweight-teens</loc>
		<lastmod>2011-11-18T17:23:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-grow-revenue-with-minimal-effort</loc>
		<lastmod>2011-11-21T15:57:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/study-telework-presents-catch-22-for-employees-struggling-with-home-and-family</loc>
		<lastmod>2011-11-21T17:53:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-is-the-role-of-the-local-broker-under-ppaca</loc>
		<lastmod>2011-11-22T14:10:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-the-walmart-cuts-health-benefits-but-seeks-to-launch-primary-health-services</loc>
		<lastmod>2011-11-22T16:45:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/post-enrollment-review-communications-rollout-key-to-starting-2012-on-the-right-foot</loc>
		<lastmod>2011-11-23T15:11:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-the-walmart-cuts-health-benefits-but-seeks-to-launch-primary-health-services-2720193</loc>
		<lastmod>2011-11-28T14:23:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/post-enrollment-review-communications-rollout-key-to-starting-2012-on-the-right-foot-2720223</loc>
		<lastmod>2011-11-29T15:06:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/relevancy-as-easy-as-a-google-search</loc>
		<lastmod>2011-11-30T14:55:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/evolving-inclusiveness-companies-extend-medical-benefits-to-transgendered-employees</loc>
		<lastmod>2011-11-30T19:34:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/give-your-employee-s-a-chance-to-be-on-abc-world-news</loc>
		<lastmod>2011-11-30T20:02:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/kaiser-poll-for-most-popular-ppaca-provision-yields-runaway-favorite</loc>
		<lastmod>2011-12-01T19:20:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/ask-the-expert-alternatives-to-retiree-medicare-exchanges</loc>
		<lastmod>2011-12-05T14:27:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/employee-engagement-is-not-rational</loc>
		<lastmod>2011-12-06T14:00:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/adviser-20-ethics-to-ring-in-the-new-year</loc>
		<lastmod>2011-12-07T14:19:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/are-you-hitting-the-bullseye</loc>
		<lastmod>2011-12-08T14:36:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tis-the-season-to-party-more-employers-holding-holiday-celebrations-this-year</loc>
		<lastmod>2011-12-08T17:35:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/enhance-your-new-cdhp-with-voluntary-benefits</loc>
		<lastmod>2011-12-12T14:27:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-focused-approach-can-mean-more-business</loc>
		<lastmod>2011-12-13T14:23:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-you-can-help-save-the-economy-2-trillion</loc>
		<lastmod>2011-12-13T15:14:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/online-enrollments-still-require-effective-benefits-communication</loc>
		<lastmod>2011-12-19T14:45:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-forced-fmla-legal</loc>
		<lastmod>2011-12-19T20:56:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/time-to-plan-for-2012-a-roadmap-for-success</loc>
		<lastmod>2011-12-21T13:54:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/back-to-the-future-but-is-that-a-good-thing-for-advisers</loc>
		<lastmod>2011-12-21T15:29:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/kaiser-ppaca-provision-poll-yields-runaway-favorite</loc>
		<lastmod>2012-01-04T15:44:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/court-to-rule-on-whether-an-employer-can-claim-ownership-of-employees-twitter-account</loc>
		<lastmod>2012-01-04T20:39:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/congress-deals-blow-to-cash-strapped-commuters</loc>
		<lastmod>2012-01-05T17:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wish-you-were-here</loc>
		<lastmod>2012-01-06T17:02:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/one-idea-that-will-multiply-your-income-in-2012</loc>
		<lastmod>2012-01-10T13:57:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/morningstar-tdfs-hook-wide-right-of-retirement-targets</loc>
		<lastmod>2012-01-11T13:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/2012-will-be-a-year-of-challenges-for-advisers-so-get-started-now</loc>
		<lastmod>2012-01-11T19:05:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/our-next-president-our-next-health-reform</loc>
		<lastmod>2012-01-12T16:40:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/amid-the-uncertainty-four-strategies-for-success-in-2012</loc>
		<lastmod>2012-01-17T14:37:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/2012-benefits-communications-resolutions</loc>
		<lastmod>2012-01-18T16:17:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/study-soda-surcharge-is-penny-wise-and-pound-wise-too</loc>
		<lastmod>2012-01-18T20:27:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/help-wanted-adviser-ethics</loc>
		<lastmod>2012-01-19T10:58:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/using-strategic-alliances-to-your-advantage</loc>
		<lastmod>2012-01-23T14:22:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/researchers-question-necessity-financial-prudence-of-buying-ltc-coverage</loc>
		<lastmod>2012-01-24T01:59:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/all-clients-are-not-created-equal-its-nice-to-niche</loc>
		<lastmod>2012-01-24T15:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/can-training-and-development-benefits-help-move-us-from-unemployment-system-to-re-employment-system</loc>
		<lastmod>2012-01-25T20:41:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/be-prepared-to-comply-with-new-state-laws</loc>
		<lastmod>2012-01-26T14:37:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-paying-employees-to-be-healthy-doesnt-work</loc>
		<lastmod>2012-01-27T15:39:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/to-keep-office-peace-talk-about-real-housewives-not-romney</loc>
		<lastmod>2012-01-31T15:20:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/picturing-a-world-with-transparent-health-care-costs</loc>
		<lastmod>2012-01-31T16:53:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/show-your-benefits-true-value</loc>
		<lastmod>2012-02-01T14:22:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/does-compliance-matter-for-advisers</loc>
		<lastmod>2012-02-02T14:21:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/can-mark-zuckerberg-revolutionize-retirement-too</loc>
		<lastmod>2012-02-06T20:14:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/accounting-for-ppacas-cadillac-tax-a-common-sense-response</loc>
		<lastmod>2012-02-07T12:50:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/can-benefits-advisers-really-help-hr</loc>
		<lastmod>2012-02-08T12:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/ask-the-expert-window-open-for-egwp-opportunity</loc>
		<lastmod>2012-02-13T14:32:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-exactly-is-an-employee-benefit-anyway</loc>
		<lastmod>2012-02-14T20:51:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/expanding-your-service-offering-to-make-up-for-lost-revenue</loc>
		<lastmod>2012-02-15T15:11:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/when-it-comes-to-disease-management-science-defies-logic</loc>
		<lastmod>2012-02-15T17:08:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cut-to-the-chase-the-only-3-interview-questions-that-matter</loc>
		<lastmod>2012-02-15T21:12:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/is-it-nice-to-niche-a-real-world-example</loc>
		<lastmod>2012-02-21T14:12:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/benefits-on-the-beach-hawaii-employer-seeks-benefits-director</loc>
		<lastmod>2012-02-23T17:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-become-a-hero-with-your-clients</loc>
		<lastmod>2012-02-27T13:20:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-offering-a-db-and-dc-plan-plus-a-match-letting-employees-double-dip</loc>
		<lastmod>2012-02-27T20:36:25+00:00</lastmod>
	</url>
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		<loc>https://www.benefitnews.com/opinion/should-employers-declare-class-warfare-on-smoking</loc>
		<lastmod>2012-02-28T17:12:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/five-questions-to-ask-yourself-to-stick-out-in-a-crowded-field</loc>
		<lastmod>2012-02-29T14:10:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebn-is-going-there-on-the-obama-contraception-mandate</loc>
		<lastmod>2012-03-02T16:42:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-tips-to-help-your-brokerage-plan-for-succession</loc>
		<lastmod>2012-03-07T14:23:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/do-buyers-view-ltc-coverage-as-a-license-to-spend</loc>
		<lastmod>2012-03-07T19:29:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/facebook-is-the-new-first-interview</loc>
		<lastmod>2012-03-08T15:44:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/one-surefire-way-to-expand-your-centers-of-influence</loc>
		<lastmod>2012-03-12T16:35:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/long-term-vs-short-term-approaches-to-cost-containment-may-put-employers-insurers-at-odds</loc>
		<lastmod>2012-03-12T17:58:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-expand-your-target-markets</loc>
		<lastmod>2012-03-13T13:34:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/goldman-sachs-exec-leaves-firm-in-epic-fashion-and-offers-cautionary-tale-in-leadership-talent-management</loc>
		<lastmod>2012-03-19T18:11:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/blues-plan-gets-nailed-for-hipaa-security-breach-no-one-is-outraged-because</loc>
		<lastmod>2012-03-21T19:14:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/add-salary-to-your-companys-know-your-numbers-wellness-campaign</loc>
		<lastmod>2012-03-21T21:01:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/two-tips-for-a-more-successful-business</loc>
		<lastmod>2012-03-22T19:33:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/survey-gen-yers-say-give-me-an-ipad-or-iquit</loc>
		<lastmod>2012-03-23T13:49:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-two-paths-of-opportunity-post-ppaca-ruling</loc>
		<lastmod>2012-03-26T14:54:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hiring-our-heroes-initiative-takes-to-the-airwaves-through-national-partnership-with-nbc-news</loc>
		<lastmod>2012-03-27T14:53:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/like-a-duck-in-a-pond-reflections-on-the-ppaca-supreme-court-hearings</loc>
		<lastmod>2012-03-30T16:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/ask-the-expert-ppacas-effects-on-fixed-indemnity-plans</loc>
		<lastmod>2012-04-02T14:16:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/are-you-presenting-yourself-the-right-way</loc>
		<lastmod>2012-04-04T16:58:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/it-could-be-time-to-tell-employees-youre-not-getting-a-unicorn</loc>
		<lastmod>2012-04-04T17:13:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/trouble-in-paradise-expats-more-likely-to-be-depressed-abuse-drugs-alcohol</loc>
		<lastmod>2012-04-05T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/less-care-more-health-convincing-doctors-to-change-gears</loc>
		<lastmod>2012-04-10T18:29:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employees-channel-marvin-gaye-asking-whats-going-on</loc>
		<lastmod>2012-04-11T17:05:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/whats-the-real-roi-from-wellness-programs</loc>
		<lastmod>2012-04-11T18:44:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/research-suggests-facebook-powers-productivity</loc>
		<lastmod>2012-04-12T21:51:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/broker-options-in-health-care-exchanges</loc>
		<lastmod>2012-04-16T14:03:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/healthy-people-healthy-earth-kp-does-good-by-going-greener</loc>
		<lastmod>2012-04-16T18:26:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/revolutionize-your-benefits-communication-strategy-in-10-minutes-or-less</loc>
		<lastmod>2012-04-18T15:58:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wellness-roi-clarity-is-possible</loc>
		<lastmod>2012-04-19T16:33:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-is-engaging-employees-on-wellness-so-hard</loc>
		<lastmod>2012-04-24T13:16:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/designing-benefit-plans-for-2012</loc>
		<lastmod>2012-04-25T16:10:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/researchers-oral-health-physical-health-link-is-all-lip-service</loc>
		<lastmod>2012-04-25T16:29:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-529-plans-unnecessary-its-better-not-to-save-for-kids-education-survey-finds</loc>
		<lastmod>2012-04-26T15:02:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/4-steps-to-helping-your-team-realize-their-sales-potential</loc>
		<lastmod>2012-04-26T16:55:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-help-employers-meet-their-cdhp-participation-goals</loc>
		<lastmod>2012-05-01T12:52:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/public-awareness-campaign-urges-physicians-patients-to-choose-wisely</loc>
		<lastmod>2012-05-01T15:34:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-there-a-benefits-war-on-women</loc>
		<lastmod>2012-05-04T14:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-comedy-of-mathematic-proportions</loc>
		<lastmod>2012-05-07T12:55:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cant-carpe-diem-micro-volunteering-allows-carpe-ing-just-15-minutes</loc>
		<lastmod>2012-05-07T13:02:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/renal-dialysis-cost-containment-strategies-gaining-momentum</loc>
		<lastmod>2012-05-08T14:01:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/do-your-walk-your-talk-on-health-and-wellness</loc>
		<lastmod>2012-05-10T13:23:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/who-wins-the-interviewing-race-the-tortoise-or-the-hare</loc>
		<lastmod>2012-05-10T14:56:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-new-dawn-a-new-day-a-new-life-employees-are-feeling-good-survey-shows</loc>
		<lastmod>2012-05-11T16:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/youtube-video-shows-25-things-learned-from-hr</loc>
		<lastmod>2012-05-16T16:24:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/kp-campaign-reminds-us-to-eat-our-peas-is-this-truly-necessary</loc>
		<lastmod>2012-05-18T18:14:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/metlife-study-employers-are-between-a-benefits-rock-and-a-budget-hard-place</loc>
		<lastmod>2012-05-18T18:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/rehire-your-best-talent-for-sales-success</loc>
		<lastmod>2012-05-21T13:31:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/company-401-k-gets-98-participation-can-you-guess-the-company</loc>
		<lastmod>2012-05-22T15:19:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/npr-takes-a-look-at-how-the-other-health-care-half-lives</loc>
		<lastmod>2012-05-24T15:34:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-mistakes-to-avoid-when-measuring-wellness-roi</loc>
		<lastmod>2012-05-25T14:28:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebsa-report-still-work-to-do-under-mental-health-parity-law</loc>
		<lastmod>2012-05-29T15:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/share-best-practices-to-succeed</loc>
		<lastmod>2012-05-30T13:24:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/having-engaged-employees-is-bad-research-shows-how-engagement-levels-can-mask-organizational-problems</loc>
		<lastmod>2012-05-31T14:33:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/6-tips-to-engage-gen-y-employees</loc>
		<lastmod>2012-06-04T19:53:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/deconstructing-3-health-wellness-technical-terms</loc>
		<lastmod>2012-06-05T15:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/outgoing-ebn-reporter-reflects-on-a-year-in-the-benefits-industry</loc>
		<lastmod>2012-06-07T12:16:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-employees-agree-summer-leof-leave-early-on-friday</loc>
		<lastmod>2012-06-08T14:00:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/can-you-think-like-an-employer</loc>
		<lastmod>2012-06-11T14:46:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/take-the-ebn-eba-poll-when-will-the-supreme-court-rule-on-health-care-reform</loc>
		<lastmod>2012-06-12T16:27:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/americans-self-diagnosing-skills-leave-something-to-be-desired</loc>
		<lastmod>2012-06-13T20:37:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/this-kids-gonna-cost-me-how-much</loc>
		<lastmod>2012-06-15T16:58:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/americans-feeling-less-than-shiny-about-golden-years</loc>
		<lastmod>2012-06-18T20:00:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/do-you-properly-communicate</loc>
		<lastmod>2012-06-19T13:39:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-tell-tale-signs-of-an-off-target-wellness-program</loc>
		<lastmod>2012-06-21T15:58:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/avoid-this-common-trap-for-benefit-brokers</loc>
		<lastmod>2012-06-22T14:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/waiting-for-scotus-what-to-think-about</loc>
		<lastmod>2012-06-25T15:33:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/insurers-looking-to-reshape-image-among-consumers-in-light-of-supreme-court-ruling</loc>
		<lastmod>2012-06-25T20:44:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cream-of-the-communication-crop-ebn-announces-2012-i-comm-honorees</loc>
		<lastmod>2012-06-29T17:24:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-does-the-scotus-ruling-mean-for-us-in-the-business</loc>
		<lastmod>2012-07-02T14:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/supreme-court-upholds-ppaca-final-thoughts</loc>
		<lastmod>2012-07-02T15:37:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/study-examines-whether-men-or-women-make-better-managers</loc>
		<lastmod>2012-07-05T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/meet-ebvs-newest-guest-bloggers</loc>
		<lastmod>2012-07-06T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/whose-responsibility-is-it-to-change-your-business</loc>
		<lastmod>2012-07-05T13:21:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/dont-be-a-grasshopper-prepare-now-for-ppaca</loc>
		<lastmod>2012-07-09T13:40:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/w-2s-sunscreen-and-tax-deadlines</loc>
		<lastmod>2012-07-10T16:00:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/communicating-benefits-in-the-george-jetson-age</loc>
		<lastmod>2012-07-16T13:16:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/managing-the-disappointment-factor</loc>
		<lastmod>2012-07-16T14:01:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/in-light-of-reform-finance-will-have-a-bigger-say-in-benefits-strategy</loc>
		<lastmod>2012-07-18T11:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-new-group-for-brokers-to-sell-to-and-how-to-do-it</loc>
		<lastmod>2012-07-18T13:47:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-your-eap-invited-to-your-2012-w-2-party</loc>
		<lastmod>2012-07-19T19:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-does-data-benchmarking-have-in-common-with-antique-collecting</loc>
		<lastmod>2012-07-24T21:30:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/health-plan-renewals-not-to-be-taken-lightly</loc>
		<lastmod>2012-07-27T19:12:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/localized-data-in-the-wake-of-ppaca</loc>
		<lastmod>2012-07-30T13:48:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/pay-or-play-a-strategic-hr-response-to-ppaca</loc>
		<lastmod>2012-07-31T13:21:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-principles-for-starting-a-new-benefits-job</loc>
		<lastmod>2012-08-01T05:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/educate-employees-about-misunderstood-eap-benefits</loc>
		<lastmod>2012-08-03T05:07:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-indicators-that-a-company-is-a-candidate-for-ltc-insurance</loc>
		<lastmod>2012-08-07T14:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-lessons-learned-from-implementing-edi</loc>
		<lastmod>2012-08-08T17:32:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/jury-still-out-on-outcomes-based-incentives</loc>
		<lastmod>2012-08-09T14:25:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/communicating-benefits-just-as-important-as-benefits-themselves</loc>
		<lastmod>2012-08-13T13:10:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-steps-to-providing-exceptional-customer-service</loc>
		<lastmod>2012-08-15T13:15:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/know-your-benefits-audience-or-risk-communication-failure</loc>
		<lastmod>2012-08-15T13:19:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/mad-at-the-food-police-get-real-we-have-a-serious-problem</loc>
		<lastmod>2012-08-20T14:25:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-do-the-olympics-and-being-a-successful-benefit-producer-have-in-common</loc>
		<lastmod>2012-08-21T13:24:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-holds-producers-back</loc>
		<lastmod>2012-08-22T13:18:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/navigating-retiree-benefits-doesnt-have-to-cost-you-your-sanity</loc>
		<lastmod>2012-08-22T18:42:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-million-dollar-question</loc>
		<lastmod>2012-08-27T13:04:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-future-of-health-care-under-ppaca</loc>
		<lastmod>2012-08-27T14:08:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/outsourcing-db-plan-administration-is-a-viable-option</loc>
		<lastmod>2012-08-28T19:16:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-health-care-reform-provision-you-havent-heard-about</loc>
		<lastmod>2012-08-30T15:50:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-do-advisers-survive-and-thrive-in-a-post-health-care-reform-world</loc>
		<lastmod>2012-09-04T13:42:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cost-of-specialty-drugs-is-on-the-rise</loc>
		<lastmod>2012-09-05T19:57:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/before-you-sign-on-the-dotted-line</loc>
		<lastmod>2012-09-08T00:51:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-relationships-matter-in-this-business</loc>
		<lastmod>2012-09-11T14:57:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/summary-of-benefits-and-coverage-could-wreak-communication-havoc</loc>
		<lastmod>2012-09-12T13:57:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-do-you-continue-to-offer-value-added-services-in-such-a-changing-benefits-landscape</loc>
		<lastmod>2012-09-13T14:02:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-benefits-compliance-areas-employers-need-to-watch-for</loc>
		<lastmod>2012-09-17T14:42:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/adding-an-easy-snuggle-benefit-adoption-assistance</loc>
		<lastmod>2012-09-18T13:23:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/strength-in-networking</loc>
		<lastmod>2012-09-18T15:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/when-babies-cross-a-business-line</loc>
		<lastmod>2012-09-24T05:53:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/yes-the-department-of-labor-is-friendly</loc>
		<lastmod>2012-09-24T13:44:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/phony-health-plan-results-and-romance-in-the-sky</loc>
		<lastmod>2012-09-25T13:45:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tis-the-season-open-enrollment-that-is</loc>
		<lastmod>2012-09-25T13:55:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/open-enrollment-lessons-part-2</loc>
		<lastmod>2012-09-27T13:35:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-evaluate-stop-loss-insurance</loc>
		<lastmod>2012-10-01T13:46:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hra-more-like-hr-yay</loc>
		<lastmod>2012-10-01T16:50:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-properly-change-your-business</loc>
		<lastmod>2012-10-03T13:52:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-pay-inequity-okay-because-of-freedom</loc>
		<lastmod>2012-10-03T16:11:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/overcoming-the-death-of-a-salesman</loc>
		<lastmod>2012-10-09T13:30:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/learning-from-other-side-phony-health-care-results</loc>
		<lastmod>2012-10-10T13:37:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-properly-market-your-business</loc>
		<lastmod>2012-10-11T13:35:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ceo-david-siegel-part-of-the-communication-problem-or-solution</loc>
		<lastmod>2012-10-11T14:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dont-be-a-bieber-stay-home-when-sick-experts-remind</loc>
		<lastmod>2012-10-12T14:31:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-is-it-essential-to-be-a-leader-if-you-want-to-grow</loc>
		<lastmod>2012-10-15T12:55:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/despite-election-uncertainty-3-health-care-tasks-you-can-complete-before-nov-7</loc>
		<lastmod>2012-10-15T17:19:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/care-about-health-care-bank-on-productivity</loc>
		<lastmod>2012-10-17T13:40:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/youre-never-fully-dressed-or-healthy-without-a-smile</loc>
		<lastmod>2012-10-18T14:29:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/giving-wellness-programs-a-shot-in-the-arm</loc>
		<lastmod>2012-10-22T14:18:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/using-ppaca-to-overcome-the-obesity-challenge</loc>
		<lastmod>2012-10-22T16:02:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/summary-of-benefits-and-coverage-could-wreak-communication-havoc-2728489</loc>
		<lastmod>2012-10-23T14:03:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/private-exchanges-a-win-or-a-wash</loc>
		<lastmod>2012-10-24T13:22:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/amid-high-unemployment-employers-suffering-from-arrogance-of-supply-expert-says</loc>
		<lastmod>2012-10-24T15:20:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/should-election-day-be-a-national-holiday-some-employers-give-workers-day-off-to-vote</loc>
		<lastmod>2012-10-25T13:38:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/binders-not-so-bad</loc>
		<lastmod>2012-10-29T14:35:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/reflections-on-presenting-health-care-reform</loc>
		<lastmod>2012-10-29T15:32:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/in-light-of-reform-finance-will-have-a-bigger-say-in-benefits-strategy-2728663</loc>
		<lastmod>2012-10-29T17:12:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-a-new-mass-law-can-show-the-future-of-health-reform</loc>
		<lastmod>2012-11-01T11:40:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/more-better-faster-how-to-get-there</loc>
		<lastmod>2012-11-01T13:40:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-handle-post-sandy-payroll-leave-and-work-continuation</loc>
		<lastmod>2012-11-02T14:30:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/thinkhr-exec-offers-advice-for-handling-post-sandy-payroll-leave-and-work-continuation</loc>
		<lastmod>2012-11-03T01:31:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/blogger-posits-consumers-future-shopping-list-could-include-bread-milk-life-insurance</loc>
		<lastmod>2012-11-05T21:30:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/more-better-faster-how-to-get-there-2728798</loc>
		<lastmod>2012-11-06T14:05:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/congressional-staffers-seek-greater-work-life-balance-really</loc>
		<lastmod>2012-11-07T21:10:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/no-crystal-ball-but-some-things-are-certain</loc>
		<lastmod>2012-11-08T14:44:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/re-election-fallout-reduced-hours-reduced-payrolls-and-increased-prices</loc>
		<lastmod>2012-11-12T16:21:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/everything-you-never-knew-about-403-b-plans</loc>
		<lastmod>2012-11-14T14:50:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/obamacare-bring-it-on</loc>
		<lastmod>2012-11-14T15:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/access-to-life-insurance-for-working-americans-has-disappeared</loc>
		<lastmod>2012-11-15T14:18:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/examining-the-pros-and-cons-of-part-timers-under-the-lens-of-health-care-reform</loc>
		<lastmod>2012-11-15T16:17:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/when-to-end-a-client-partnership</loc>
		<lastmod>2012-11-26T14:49:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebn-cover-challenge-guess-the-topic-of-our-december-cover-story</loc>
		<lastmod>2012-11-26T18:49:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/psychic-offers-employers-opportunity-to-add-heavenly-benefits</loc>
		<lastmod>2012-11-27T17:51:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/giving-clients-a-reason-to-do-business-with-you</loc>
		<lastmod>2012-11-27T19:33:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/workers-willing-to-trade-pto-promotions-for-guaranteed-retirement-income-2729270</loc>
		<lastmod>2012-11-28T14:16:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/workers-willing-to-trade-pto-promotions-for-guaranteed-retirement-income</loc>
		<lastmod>2012-11-28T14:17:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/in-england-thank-you-for-smoking-is-more-than-a-movie-title</loc>
		<lastmod>2012-11-28T18:20:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/would-you-rather-have-an-extra-3-000-or-work-at-zappos</loc>
		<lastmod>2012-12-03T21:32:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-do-cars-and-retirement-plans-have-in-common</loc>
		<lastmod>2012-12-04T15:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-enhance-your-services-with-voluntary-benefits</loc>
		<lastmod>2012-12-05T13:27:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/7-cultural-issues-that-will-drive-sales-results</loc>
		<lastmod>2012-12-10T14:35:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/guest-blogger-wellness-programs-cannot-affect-nearly-80-of-health-spending</loc>
		<lastmod>2012-12-11T21:50:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/americas-real-health-care-crisis</loc>
		<lastmod>2012-12-12T14:31:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-tips-to-make-the-most-of-employee-bonuses</loc>
		<lastmod>2012-12-14T15:12:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/wellness-programs-cannot-affect-nearly-80-of-health-spending</loc>
		<lastmod>2012-12-18T13:36:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/medical-officer-warns-employers-against-exchange-only-health-benefits-model</loc>
		<lastmod>2012-12-18T16:40:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/according-to-ici-dc-plans-dont-reduce-retirement-readiness-really</loc>
		<lastmod>2012-12-19T21:12:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-grinch-who-stole-the-christmas-bonus</loc>
		<lastmod>2012-12-20T14:30:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/selling-smarter-may-force-you-to-change-the-way-you-do-things</loc>
		<lastmod>2012-12-26T08:57:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/uncover-narcotic-abuse-by-digging-deeper-into-pbm-reports</loc>
		<lastmod>2012-12-26T15:50:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/key-data-from-the-2012-uba-health-plan-survey</loc>
		<lastmod>2013-01-02T15:10:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-steps-to-a-successful-tuition-assistance-program</loc>
		<lastmod>2013-01-02T15:54:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/do-americans-work-hard-or-work-scared</loc>
		<lastmod>2013-01-02T17:21:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-dangers-of-benefits-benchmarking</loc>
		<lastmod>2013-01-02T17:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/according-to-ici-dc-plans-dont-reduce-retirement-readiness-really-2729987</loc>
		<lastmod>2013-01-03T14:53:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-attack-on-self-funding</loc>
		<lastmod>2013-01-07T14:00:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-steps-to-developing-a-2013-business-plan</loc>
		<lastmod>2013-01-08T14:42:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/uncover-narcotic-abuse-by-digging-deeper-into-pbm-reports-2730108</loc>
		<lastmod>2013-01-09T14:30:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/facebook-fat-sort-of</loc>
		<lastmod>2013-01-09T17:07:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/opportunity-for-brokers-under-the-defense-base-act</loc>
		<lastmod>2013-01-16T14:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-bother-going-to-work</loc>
		<lastmod>2013-01-16T17:51:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wise-beyond-their-years-young-workers-proclaim-financial-savvy</loc>
		<lastmod>2013-01-18T18:15:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/wise-beyond-their-years-young-workers-proclaim-financial-savvy-2730352</loc>
		<lastmod>2013-01-22T14:30:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/creating-a-culture-with-an-attitude-of-gratitude</loc>
		<lastmod>2013-01-23T16:15:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-to-expect-in-2013-in-voluntary-long-term-care-insurance</loc>
		<lastmod>2013-01-24T13:29:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/tax-the-rich-and-limit-retirement-contributions-it-doesnt-add-up-2730507</loc>
		<lastmod>2013-01-29T16:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tax-the-rich-and-limit-retirement-contributions-it-doesnt-add-up</loc>
		<lastmod>2013-01-31T15:05:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/food-and-bacteria-matter-in-winning-with-wellness-but-not-only-the-ways-you-think</loc>
		<lastmod>2013-02-15T17:17:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/moving-beyond-baby-steps-with-wellness</loc>
		<lastmod>2013-02-20T16:14:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-take-advantage-of-5500-filings</loc>
		<lastmod>2013-02-21T16:06:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/financial-advisers-the-403-b-plan-survey-is-one-you-actually-want-to-take</loc>
		<lastmod>2013-02-25T18:17:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/mayer-misfires-yahoos-face-time-only-policy-sends-wrong-message</loc>
		<lastmod>2013-02-26T15:45:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/eaps-low-cost-and-high-value-for-employers</loc>
		<lastmod>2013-02-27T15:25:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/future-broker-asks-where-do-i-begin</loc>
		<lastmod>2013-03-05T15:00:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/connecting-millennials-stress-and-eaps</loc>
		<lastmod>2013-03-06T15:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/hottest-retirement-plan-improvement-in-2013-2731171</loc>
		<lastmod>2013-03-07T13:23:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-value-added-services-are-bad-for-business</loc>
		<lastmod>2013-03-07T16:37:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-prepare-for-a-health-and-welfare-compliance-audit</loc>
		<lastmod>2013-03-08T20:05:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/helping-your-403-b-plan-stay-healthy</loc>
		<lastmod>2013-03-12T13:36:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/its-the-benefits-version-of-sothebys-benefitscom-domain-suite-up-for-sale</loc>
		<lastmod>2013-03-13T16:06:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/student-accident-insurance-an-underutilized-niche</loc>
		<lastmod>2013-03-18T13:56:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hottest-retirement-plan-improvement-in-2013</loc>
		<lastmod>2013-03-20T15:18:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/insurance-exchanges-which-way-to-go-and-where-do-i-start</loc>
		<lastmod>2013-03-26T13:46:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/403-b-plans-high-maintenance-or-huge-opportunity</loc>
		<lastmod>2013-03-27T15:19:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employees-partly-to-blame-for-work-life-imbalance-experts-say</loc>
		<lastmod>2013-03-27T16:34:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/reposition-your-value-add-able-services</loc>
		<lastmod>2013-04-02T13:55:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ebn-editor-bids-farewell</loc>
		<lastmod>2013-04-02T17:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/6-insights-into-higher-education-retirement-plan-opportunities</loc>
		<lastmod>2013-04-10T15:58:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/data-data-everywhere-but-not-a-drop-to-understand</loc>
		<lastmod>2013-04-10T18:35:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-growth-of-voluntary-through-the-lens-of-one-client</loc>
		<lastmod>2013-04-11T17:46:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/bfe-keynoter-the-bottom-line-is-no-results-no-job</loc>
		<lastmod>2013-04-18T13:04:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/nondiscrimination-rules-an-elephant-in-the-room</loc>
		<lastmod>2013-04-22T13:10:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-steps-toward-creating-simpler-more-successful-benefits-programs</loc>
		<lastmod>2013-04-19T01:21:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-ancillary-benefits-may-be-the-silver-lining-of-health-care-reform</loc>
		<lastmod>2013-04-23T14:46:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-the-aca-could-be-a-blessing-in-disguise</loc>
		<lastmod>2013-04-24T17:41:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/for-all-you-do-this-bennys-for-you</loc>
		<lastmod>2013-04-26T02:05:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-tsunami-is-coming-are-you-prepared</loc>
		<lastmod>2013-04-29T15:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/stop-obsessing-over-wellness-roi</loc>
		<lastmod>2013-05-06T15:05:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-lousy-401-k-s-are-a-good-thing</loc>
		<lastmod>2013-05-06T20:12:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-bring-relief-to-your-business-and-add-client-value</loc>
		<lastmod>2013-05-08T13:38:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/health-data-is-not-intuitive-learn-to-ask-the-right-questions</loc>
		<lastmod>2013-05-09T14:33:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/exchanges-mean-new-business-models</loc>
		<lastmod>2013-05-14T14:06:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-reduce-employee-cravings-for-401-k-loans</loc>
		<lastmod>2013-05-15T19:10:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/banking-on-long-term-care-insurance</loc>
		<lastmod>2013-05-16T14:57:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/2-tips-to-manage-health-plan-data-overload</loc>
		<lastmod>2013-05-23T18:40:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/encouraging-better-flexible-spending-account-budgeting</loc>
		<lastmod>2013-05-23T20:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/benefits-education-disconnect-troubling</loc>
		<lastmod>2013-05-24T15:59:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/whats-going-on-with-obamacare-and-the-small-group-market</loc>
		<lastmod>2013-05-28T20:26:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/market-forces-cannot-work-in-health-care-without-price-transparency</loc>
		<lastmod>2013-05-29T21:02:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/i-comm-award-nominations-are-open</loc>
		<lastmod>2013-05-31T15:06:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/attention-advisers-state-run-retirement-plans-may-put-your-livelihood-at-risk</loc>
		<lastmod>2013-05-31T19:48:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/five-reasons-to-add-voluntary-to-your-benefit-strategy</loc>
		<lastmod>2013-06-06T13:41:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/four-tips-for-better-benefit-plan-communications</loc>
		<lastmod>2013-06-06T15:36:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/park-your-guilt-at-the-door-easier-said-than-done</loc>
		<lastmod>2013-06-14T15:10:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/three-cheers-for-the-irs-in-retirement-plans</loc>
		<lastmod>2013-06-17T11:01:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hospital-patient-safety-bad-and-getting-worse</loc>
		<lastmod>2013-06-28T15:51:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cracking-health-costs-good-read-for-fact-seekers</loc>
		<lastmod>2013-07-08T19:34:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/whats-an-independent-broker-to-do</loc>
		<lastmod>2013-07-10T13:33:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/delay-of-employer-mandate-raises-questions</loc>
		<lastmod>2013-07-11T14:46:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/one-two-buckle-my-pcp-visits-2734701</loc>
		<lastmod>2013-07-16T14:15:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/one-two-buckle-my-pcp-visits</loc>
		<lastmod>2013-07-16T14:17:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/retirement-across-america-lessons-learned</loc>
		<lastmod>2013-07-19T19:08:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/psca-retirement-plan-survey-something-to-get-worked-up-about</loc>
		<lastmod>2013-07-24T12:58:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/hats-off-to-the-benny-winners</loc>
		<lastmod>2013-07-24T16:16:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/no-simple-answer-on-health-care-cost-tools</loc>
		<lastmod>2013-08-01T18:11:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/work-life-plans-enhance-the-value-of-voluntary-benefits-programs</loc>
		<lastmod>2013-07-30T12:58:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/should-retirement-plans-only-offer-index-mutual-funds</loc>
		<lastmod>2013-07-30T18:12:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wellness-programs-not-worthless-just-worth-less-than-what-vendors-claim</loc>
		<lastmod>2013-07-31T15:50:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/houston-we-have-a-hiring-problem</loc>
		<lastmod>2013-08-06T13:57:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/should-exchanges-be-part-of-your-companys-plan</loc>
		<lastmod>2013-08-06T16:26:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/mutual-funds-just-fine-for-401-k-plans</loc>
		<lastmod>2013-08-06T18:01:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/singing-for-your-job-creative-or-desperate</loc>
		<lastmod>2013-08-08T13:09:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/comprehensive-immigration-reform-has-considerable-momentum</loc>
		<lastmod>2013-08-12T16:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/pbms-save-employers-on-rx-costs</loc>
		<lastmod>2013-08-19T14:13:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-you-should-look-at-things-outside-of-insurance</loc>
		<lastmod>2013-08-13T13:30:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/is-your-401-k-loan-program-state-of-the-art</loc>
		<lastmod>2013-08-13T15:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/penn-state-wellness-program-wont-make-employees-healthier</loc>
		<lastmod>2013-08-14T13:51:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/who-would-you-recruit-to-the-business</loc>
		<lastmod>2013-08-15T13:55:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/stress-affects-work-performance-of-nearly-half-of-employees</loc>
		<lastmod>2013-08-23T18:37:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/should-brokers-exit-stage-right</loc>
		<lastmod>2013-08-20T13:29:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/10-attributes-of-a-retirement-ready-401-k-plan</loc>
		<lastmod>2013-08-21T18:36:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/five-misconceptions-that-come-with-medicare-exchanges</loc>
		<lastmod>2013-08-22T15:24:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/meeting-the-retirement-income-challenge</loc>
		<lastmod>2013-08-26T18:11:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/top-three-takeaways-from-a-productivity-consultant</loc>
		<lastmod>2013-08-28T11:40:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-obstacles-on-the-road-to-retirement-readiness</loc>
		<lastmod>2013-08-28T14:04:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/would-you-quit-your-job-over-the-aca</loc>
		<lastmod>2013-08-28T17:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/performance-guarantees-toothless-without-meaningful-reports</loc>
		<lastmod>2013-09-03T15:16:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/american-airlines-participants-banned-from-trading-t-rowe-funds-are-your-plan-participants-next</loc>
		<lastmod>2013-09-04T13:22:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-guidelines-driving-small-employers-to-self-funding</loc>
		<lastmod>2013-09-09T20:24:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/plan-sponsors-beware-newsletters-encourage-participant-trading-in-401-k-accounts</loc>
		<lastmod>2013-09-11T16:17:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/exchange-notification-the-mystery-around-the-dols-questions</loc>
		<lastmod>2013-09-12T13:58:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/bogles-retirement-disaster-unlikely-to-occur</loc>
		<lastmod>2013-09-17T19:15:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dc-shooting-lessons-on-preventing-your-own-workplace-tragedy</loc>
		<lastmod>2013-09-18T16:36:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-showdown-the-slowdown-and-the-throwdown</loc>
		<lastmod>2013-09-26T15:56:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/rolling-a-401-k-account-into-an-ira-is-a-bad-idea</loc>
		<lastmod>2013-09-26T16:07:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/bad-idea-rolling-a-401-k-account-into-an-ira-part-ii</loc>
		<lastmod>2013-10-02T17:59:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/last-minute-aca-fights-expose-one-bitter-ideological-battle</loc>
		<lastmod>2013-10-08T14:25:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/403-b-plan-sponsors-need-to-bring-their-a-game</loc>
		<lastmod>2013-10-10T14:13:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/will-you-need-to-drop-your-money-market-fund</loc>
		<lastmod>2013-10-10T15:16:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cdhps-create-confusion-complexity-for-employees</loc>
		<lastmod>2013-10-11T16:48:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-crucial-401-k-employee-education-tips</loc>
		<lastmod>2013-10-16T13:37:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/business-as-usual-post-shutdown-the-aca-rolls-on</loc>
		<lastmod>2013-10-17T15:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/make-sure-to-fit-in-client-face-time</loc>
		<lastmod>2013-10-22T13:37:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/kicking-the-can-5-results-of-dysfunctional-government</loc>
		<lastmod>2013-10-22T23:06:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/refer-to-yourself-in-the-third-person-for-success</loc>
		<lastmod>2013-10-23T20:16:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-ways-to-help-401-k-plan-participants-become-better-investors</loc>
		<lastmod>2013-10-29T14:18:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/major-med-trees-blocking-view-of-benefits-forest</loc>
		<lastmod>2013-10-30T15:17:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-avoid-penn-states-wellness-pr-problem</loc>
		<lastmod>2013-11-04T15:59:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-determine-which-clients-are-good-candidates-for-self-funding</loc>
		<lastmod>2013-11-04T21:16:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/7-signs-of-a-successful-401-k-plan</loc>
		<lastmod>2013-11-05T18:53:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-real-bite-or-bonus-of-aca-begins-to-take-shape</loc>
		<lastmod>2013-11-06T13:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/401-k-s-its-about-outcomes-not-features</loc>
		<lastmod>2013-11-07T14:56:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-employers-need-to-pay-attention-to-acas-insurance-exchanges</loc>
		<lastmod>2013-11-08T14:46:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/employee-sponsored-health-care-enters-big-data-age</loc>
		<lastmod>2013-11-08T20:13:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/complete-year-end-nondiscrimination-testing-asap</loc>
		<lastmod>2013-11-11T18:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/large-employers-must-avoid-health-benefit-design-myopia</loc>
		<lastmod>2013-11-12T14:22:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-ways-401-k-plan-participants-should-respond-to-the-great-rotation</loc>
		<lastmod>2013-11-12T15:43:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/medical-mistakes-costing-businesses-billions</loc>
		<lastmod>2013-11-13T19:54:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/8-misperceptions-about-401-k-plans</loc>
		<lastmod>2013-11-19T14:54:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/obamacare-20-whats-ahead-in-2014</loc>
		<lastmod>2013-11-20T16:13:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/using-biometric-screenings-as-an-effective-workplace-wellness-tool</loc>
		<lastmod>2013-11-20T18:57:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/steer-clear-of-the-retirement-cliff</loc>
		<lastmod>2013-11-25T15:22:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-businesses-should-invest-in-community-health</loc>
		<lastmod>2013-11-26T20:43:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-reasons-to-be-thankful-for-401-k-plans-2737887</loc>
		<lastmod>2013-12-03T16:23:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/7-strategies-to-control-rising-health-insurance-costs</loc>
		<lastmod>2013-12-03T19:49:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-perpetuation-plan-can-take-years-to-arrange-start-now</loc>
		<lastmod>2013-12-03T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/beyond-the-aca-time-for-a-benefits-checkup</loc>
		<lastmod>2013-12-04T14:54:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/focus-on-wellness-roi-ignores-programs-broader-effects-on-business-outcomes</loc>
		<lastmod>2013-12-04T15:13:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/putting-a-dent-in-the-deductible-non-traditional-benefits</loc>
		<lastmod>2013-12-04T15:26:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-strong-is-your-employee-value-proposition</loc>
		<lastmod>2013-12-04T17:45:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/small-policy-differences-can-add-up-when-selling-disability-insurance</loc>
		<lastmod>2013-12-05T19:15:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/obamacare-a-study-in-human-behavior-not-politics</loc>
		<lastmod>2013-12-06T15:22:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-lesson-from-healthcaregov-time-for-you-to-become-a-geek</loc>
		<lastmod>2013-12-09T20:20:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-criteria-for-evaluating-your-401-k-plan-investment-adviser</loc>
		<lastmod>2013-12-10T17:30:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/do-obamacare-wellness-incentives-penalize-the-poor-and-overweight</loc>
		<lastmod>2013-12-10T17:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/engaging-older-employees-in-disease-management-challenging-but-not-impossible</loc>
		<lastmod>2013-12-13T16:45:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/your-no-1-job-this-month</loc>
		<lastmod>2013-12-16T16:10:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/helping-employees-beat-the-holiday-blues</loc>
		<lastmod>2013-12-17T03:01:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/top-5-401-k-plan-trends-for-2014</loc>
		<lastmod>2013-12-17T13:34:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/you-are-your-client-list-a-case-for-letting-go</loc>
		<lastmod>2013-12-17T20:25:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/fsa-rollovers-are-they-worth-it</loc>
		<lastmod>2013-12-17T21:41:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/all-i-want-for-christmas-is-a-better-401-k-plan</loc>
		<lastmod>2013-12-20T15:12:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/using-benefits-administration-technology-to-engage-your-employees</loc>
		<lastmod>2013-12-23T16:55:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/ppaca-play-or-pay-7-reasons-why-pay-is-not-the-easy-answer</loc>
		<lastmod>2013-12-23T18:12:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/bridging-the-gap-between-401-k-plan-sponsors-and-participants</loc>
		<lastmod>2013-12-23T19:47:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/top-5-goals-for-401-k-plan-sponsors-in-2014</loc>
		<lastmod>2013-12-27T14:29:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-benefits-resolutions-for-the-new-year</loc>
		<lastmod>2013-12-31T14:27:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-impact-will-the-aca-really-have-in-2014</loc>
		<lastmod>2014-01-02T19:26:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/workplace-wellness-in-the-new-age-of-the-aca</loc>
		<lastmod>2014-01-02T19:41:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-top-focus-for-2014-talent-retention</loc>
		<lastmod>2014-01-06T15:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/whose-money-is-it-anyway</loc>
		<lastmod>2014-01-07T20:38:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/401-k-investment-adviser-annual-review-what-plan-sponsors-should-expect</loc>
		<lastmod>2014-01-08T15:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-pillars-of-population-health-management</loc>
		<lastmod>2014-01-13T16:15:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/making-hsas-and-wellness-work-together</loc>
		<lastmod>2014-01-13T18:42:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/annual-401-k-plan-education-5-action-items-for-participants</loc>
		<lastmod>2014-01-14T14:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-you-cant-afford-not-to-offer-health-benefits</loc>
		<lastmod>2014-01-14T20:10:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/6-steps-to-becoming-a-more-effective-salesperson</loc>
		<lastmod>2014-01-15T19:50:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-small-business-selling-strategies</loc>
		<lastmod>2014-01-16T21:18:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/bswift-lessons-learned-from-our-switch-to-a-dc-health-plan</loc>
		<lastmod>2014-01-17T16:30:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/increase-your-agencys-monthly-revenue</loc>
		<lastmod>2014-01-17T18:52:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/enter-the-mind-of-a-successful-adviser</loc>
		<lastmod>2014-01-17T21:18:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-reasons-to-re-enroll-your-401-k-participants</loc>
		<lastmod>2014-01-21T14:04:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/4-opportunities-for-broker-success-in-2014</loc>
		<lastmod>2014-01-21T22:29:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-and-wellness-a-key-part-of-health-care-reform</loc>
		<lastmod>2014-01-22T15:01:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/searing-expose-of-workplace-wellness-programs-vendors</loc>
		<lastmod>2014-01-23T15:00:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-ways-to-kill-voluntary-sales</loc>
		<lastmod>2014-01-24T17:40:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-grow-your-book-of-business-right-now</loc>
		<lastmod>2014-01-24T19:12:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/cloud-based-hr-revolutionizes-employee-engagement-innovation-in-3-new-ways</loc>
		<lastmod>2014-01-27T15:04:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-every-401-k-plan-needs-an-updated-ips</loc>
		<lastmod>2014-01-28T15:02:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-takeaways-for-employee-benefits-industry-from-obamas-state-of-the-union-address</loc>
		<lastmod>2014-01-29T18:54:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/myra-proposal-seeks-to-solve-problem-that-doesnt-exist</loc>
		<lastmod>2014-01-29T19:41:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/five-predictions-for-2014-revolutionizing-employee-engagement</loc>
		<lastmod>2014-01-30T18:16:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-ways-to-do-business-in-the-new-world-of-benefits</loc>
		<lastmod>2014-01-31T16:43:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/what-we-can-learn-from-the-pepsico-wellness-study</loc>
		<lastmod>2014-02-03T17:09:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-mental-logjams-holding-agents-back-from-innovation</loc>
		<lastmod>2014-02-03T17:28:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/act-now-to-ensure-compliance-with-acas-2015-employer-mandate</loc>
		<lastmod>2014-02-03T19:28:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/aca-penalties-when-a-small-employer-is-considered-large</loc>
		<lastmod>2014-02-04T15:13:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-reasons-to-benchmark-your-401-k-plan-this-year</loc>
		<lastmod>2014-02-04T19:12:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/cbo-says-aca-kills-jobs-are-you-surprised</loc>
		<lastmod>2014-02-04T20:39:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/403-b-plans-can-no-longer-avoid-federal-government-scrutiny</loc>
		<lastmod>2014-02-05T16:55:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/job-satisfaction-and-wellness-programs-cause-and-effect</loc>
		<lastmod>2014-02-05T19:00:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/expand-your-centers-of-influence-simple-moves-to-implement-now</loc>
		<lastmod>2014-02-06T20:36:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-dangerous-and-costly-mistake-you-are-making</loc>
		<lastmod>2014-02-06T21:37:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/satisfaction-with-benefit-advisers-shows-room-for-improvement</loc>
		<lastmod>2014-02-07T16:55:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-mistakes-employers-make-with-the-adaaa</loc>
		<lastmod>2014-02-07T20:58:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/helping-the-highly-compensated-employees-save</loc>
		<lastmod>2014-02-10T15:06:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/more-of-the-same-expert-or-thought-leader-where-do-you-fall</loc>
		<lastmod>2014-02-10T15:10:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/health-benefit-account-market-set-to-grow-in-2014</loc>
		<lastmod>2014-02-10T18:07:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/strategic-alliances-can-be-a-survival-tactic</loc>
		<lastmod>2014-02-11T18:27:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/7-services-to-expect-from-your-401-k-investment-adviser</loc>
		<lastmod>2014-02-11T18:29:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/beware-of-e-o-and-d-o-claims</loc>
		<lastmod>2014-02-11T19:41:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-wellness-programs-alone-wont-deliver-employee-weight-loss</loc>
		<lastmod>2014-02-11T20:37:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-critical-nature-of-communication-in-wellness</loc>
		<lastmod>2014-02-12T16:26:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-death-of-payroll-deduction</loc>
		<lastmod>2014-02-12T18:42:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/seminar-selling-through-speaking-engagements</loc>
		<lastmod>2014-02-12T18:44:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-legal-challenges-of-a-qdro-are-your-clients-informed</loc>
		<lastmod>2014-02-13T13:37:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/coping-with-the-thin-ice-of-office-romance</loc>
		<lastmod>2014-02-13T18:49:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-one-piecemeal-aca-repeal-was-killed</loc>
		<lastmod>2014-02-13T20:45:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-retail-marketing-lessons-for-health-exchange-brokers</loc>
		<lastmod>2014-02-14T14:21:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-pitfalls-of-defined-contribution-health-strategies</loc>
		<lastmod>2014-02-14T16:33:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-failure-of-fee-disclosure-regulations</loc>
		<lastmod>2014-02-18T16:37:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-create-an-efficient-environment-when-working-from-home</loc>
		<lastmod>2014-02-18T18:34:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/4-reasons-the-feds-are-examining-company-stock-in-401-k-plans</loc>
		<lastmod>2014-02-19T15:37:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/olympic-hockey-epitomizes-best-of-insurance-industry</loc>
		<lastmod>2014-02-19T17:41:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/compliance-issues-murkier-thanks-to-last-weeks-regs</loc>
		<lastmod>2014-02-19T17:49:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/arkansas-medicaid-defunding-a-slap-in-the-face-of-compromise</loc>
		<lastmod>2014-02-19T20:45:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/are-you-product-focused-or-client-focused</loc>
		<lastmod>2014-02-20T15:56:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/employers-need-decision-support-tools</loc>
		<lastmod>2014-02-20T21:29:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-contribution-strategy-central-to-a-high-performing-employee-benefits-program</loc>
		<lastmod>2014-02-21T16:07:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/patching-vulnerabilities-in-self-funded-plans</loc>
		<lastmod>2014-02-24T13:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/help-401-k-plan-participants-overcome-ambiguity</loc>
		<lastmod>2014-02-25T20:10:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/oracle-modernizes-hr-with-mobile-and-wearable-computing</loc>
		<lastmod>2014-02-26T18:06:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/look-beyond-health-care-financing-to-workforce-health</loc>
		<lastmod>2014-02-26T21:06:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/will-you-do-this-for-free-really</loc>
		<lastmod>2014-02-26T22:41:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/targeting-millennials-for-voluntary-ltd-a-smart-strategy</loc>
		<lastmod>2014-02-28T15:54:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/can-the-elevator-speech</loc>
		<lastmod>2014-03-03T13:33:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/study-reveals-importance-of-personal-interactions-in-return-to-work</loc>
		<lastmod>2014-03-03T15:42:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/fear-of-bad-investment-decisions-holds-back-401-k-plan-participants</loc>
		<lastmod>2014-03-04T15:47:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-hr-shouldnt-be-threatened-by-benefits-admin-outsourcing</loc>
		<lastmod>2014-03-05T15:41:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/health-care-cost-transparency-are-we-making-progress</loc>
		<lastmod>2014-03-05T17:32:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/beyond-auto-features-how-to-boost-retirement-plan-participation</loc>
		<lastmod>2014-03-05T18:36:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/tap-technology-to-connect-with-millennial-employees</loc>
		<lastmod>2014-03-06T19:54:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/fear-the-dol-health-plan-audit</loc>
		<lastmod>2014-03-07T20:20:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-to-help-401-k-plan-participants-deal-constructively-with-their-investment-worries</loc>
		<lastmod>2014-03-11T13:41:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/revolutionize-worksite-enrollment-and-commissions</loc>
		<lastmod>2014-03-11T16:20:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/ernest-hemingway-and-the-financial-services-industry</loc>
		<lastmod>2014-03-11T17:24:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/sep-the-procrastinators-pension-plan</loc>
		<lastmod>2014-03-11T17:27:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-primer-on-travel-accident-insurance</loc>
		<lastmod>2014-03-12T15:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/selling-is-like-dating</loc>
		<lastmod>2014-03-13T17:01:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-step-by-step-thought-process-on-planning-the-future-of-your-business</loc>
		<lastmod>2014-03-13T17:06:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-far-should-the-virtual-workplace-intrude-in-personal-lives</loc>
		<lastmod>2014-03-13T17:37:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-plan-sponsors-can-help-women-achieve-a-secure-retirement</loc>
		<lastmod>2014-03-13T17:47:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-your-403-b-clients-should-complete-this-survey</loc>
		<lastmod>2014-03-13T18:35:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/employer-mandate-no-time-to-sit-back-and-relax</loc>
		<lastmod>2014-03-17T16:40:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/why-bitcoin-doesnt-belong-in-your-retirement-plan</loc>
		<lastmod>2014-03-18T14:23:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-hidden-effects-of-workplace-depression</loc>
		<lastmod>2014-03-19T14:40:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/401-k-contribution-remittance-whats-an-employer-to-do</loc>
		<lastmod>2014-03-19T19:09:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-culture-of-health-creates-competitive-advantage</loc>
		<lastmod>2014-03-24T00:48:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-hsas-can-help-you-deal-with-the-coming-cadillac-tax</loc>
		<lastmod>2014-03-24T15:09:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/buyer-research-has-changed-your-sales-process</loc>
		<lastmod>2014-03-24T15:13:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/are-eaps-a-cure-all</loc>
		<lastmod>2014-03-24T15:45:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-cater-to-public-entities</loc>
		<lastmod>2014-03-24T17:05:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-tips-for-choosing-the-right-corporate-weight-loss-programs</loc>
		<lastmod>2014-03-25T19:54:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/so-how-did-your-clients-2013-401-k-testing-work-out-for-them</loc>
		<lastmod>2014-03-25T20:30:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-potential-pitfalls-of-localizing-employees</loc>
		<lastmod>2014-03-26T13:53:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/whats-a-fiduciary-to-do</loc>
		<lastmod>2014-03-26T20:22:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wellness-roi-is-much-more-than-just-health-costs</loc>
		<lastmod>2014-03-28T13:13:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/a-winning-strategy-for-performance-based-awards</loc>
		<lastmod>2014-03-28T14:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-private-exchanges-will-revolutionize-life-insurance-distribution</loc>
		<lastmod>2014-03-28T17:25:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-employer-sponsorship-dilemma</loc>
		<lastmod>2014-03-28T20:47:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/health-care-data-security-its-about-more-than-money</loc>
		<lastmod>2014-03-28T22:15:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/workplace-happiness-takes-center-stage-at-sxsw-interactive</loc>
		<lastmod>2014-03-31T16:55:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/cut-the-superstitions-and-act-like-an-insurance-salesperson</loc>
		<lastmod>2014-03-31T18:19:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dol-ponders-more-guidance-on-401-k-brokerage-account-windows</loc>
		<lastmod>2014-04-01T13:28:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-football-lovers-guide-to-perfect-insurance-execution</loc>
		<lastmod>2014-04-01T18:52:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/dont-let-rmds-ruin-your-plan</loc>
		<lastmod>2014-04-02T14:19:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/choosing-the-right-pharmacy-benefits-manager-for-your-plan</loc>
		<lastmod>2014-04-04T13:44:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/fear-the-dol-wage-and-hour-audit</loc>
		<lastmod>2014-04-07T14:39:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/absence-management-services-can-put-hours-back-in-clients-days</loc>
		<lastmod>2014-04-07T15:01:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-simplify-your-voluntary-billing</loc>
		<lastmod>2014-04-07T17:55:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/trust-me-im-your-adviser</loc>
		<lastmod>2014-04-07T18:18:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/8-best-practices-in-401-k-and-403-b-plan-design</loc>
		<lastmod>2014-04-08T13:20:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/reap-the-rewards-of-a-solid-business-plan</loc>
		<lastmod>2014-04-10T02:22:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-ingredients-for-a-successful-employee-weight-loss-program</loc>
		<lastmod>2014-04-10T13:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/help-employees-understand-retirement-withdrawals</loc>
		<lastmod>2014-04-10T18:34:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/sebelius-in-a-tough-spot-but-could-have-done-more</loc>
		<lastmod>2014-04-11T13:45:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-stormy-tenure-of-kathleen-sebelius</loc>
		<lastmod>2014-04-11T14:28:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/insurance-that-matters</loc>
		<lastmod>2014-04-11T18:40:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/getting-beyond-wellness-mythology</loc>
		<lastmod>2014-04-14T14:01:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/save-your-small-group-revenue</loc>
		<lastmod>2014-04-14T18:11:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-technology-decodes-the-impact-of-benefit-plan-decisions</loc>
		<lastmod>2014-04-14T20:07:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/when-more-choice-is-not-better</loc>
		<lastmod>2014-04-14T22:35:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-investment-menu-best-practices-for-401-k-and-403-b-plans</loc>
		<lastmod>2014-04-15T12:32:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/brokers-and-hr-should-partner-for-legislative-change</loc>
		<lastmod>2014-04-16T13:09:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/benny-award-nominations-now-open-2740776</loc>
		<lastmod>2014-04-16T16:16:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/de-risking-defined-benefits-plans-needs-to-be-a-corporate-priority</loc>
		<lastmod>2014-04-17T12:24:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/should-employers-outsource-to-stay-compliant</loc>
		<lastmod>2014-04-17T13:17:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-get-more-bang-for-your-marketing-buck</loc>
		<lastmod>2014-04-17T20:32:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/after-hours-email-ban-good-for-productivity-creativity</loc>
		<lastmod>2014-04-21T13:59:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/learn-the-business-of-religion</loc>
		<lastmod>2014-04-22T13:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-fee-related-best-practices-for-401-k-and-403-b-plans</loc>
		<lastmod>2014-04-22T13:49:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/expand-your-value-proposition-beyond-benefits</loc>
		<lastmod>2014-04-23T12:59:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/lessons-from-aca-we-live-in-a-world-of-uncertainty</loc>
		<lastmod>2014-04-24T14:37:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/alternative-investment-checklist-a-guide-for-fiduciaries</loc>
		<lastmod>2014-04-25T20:15:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/reducing-retirement-plan-risk-with-lump-sum-payouts</loc>
		<lastmod>2014-04-28T13:44:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/communication-must-change-for-wellness-to-change</loc>
		<lastmod>2014-04-28T13:46:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/7-decision-making-and-documentation-best-practices-for-401-k-and-403-b-plans</loc>
		<lastmod>2014-04-29T12:12:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/why-benefits-admin-private-exchange-capabilities-should-be-merged</loc>
		<lastmod>2014-04-29T20:26:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/2015-is-just-around-the-corner-are-you-ready</loc>
		<lastmod>2014-04-30T13:20:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/use-technology-to-boost-voluntary-sales</loc>
		<lastmod>2014-04-30T13:27:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/new-law-signals-spring-thaw</loc>
		<lastmod>2014-05-01T13:44:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/did-traditional-careers-go-down-the-drain</loc>
		<lastmod>2014-05-01T19:43:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-ways-worksite-clinics-facilitate-savings</loc>
		<lastmod>2014-05-02T15:36:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/reasons-your-agency-might-partner-with-a-private-exchange</loc>
		<lastmod>2014-05-05T14:06:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/3-tips-for-the-benefit-renewal-talk-with-small-businesses</loc>
		<lastmod>2014-05-05T16:53:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/self-funding-for-small-businesses-with-a-twist</loc>
		<lastmod>2014-05-06T15:53:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/7-best-practices-for-401-k-employee-education</loc>
		<lastmod>2014-05-06T17:01:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-might-the-aca-affect-disability-claims-and-employee-absences</loc>
		<lastmod>2014-05-07T12:48:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/measuring-leaves-of-absence-in-concert-with-the-aca</loc>
		<lastmod>2014-05-07T13:21:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-own-your-presentations</loc>
		<lastmod>2014-05-08T12:55:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-can-take-an-active-role-in-patient-safety</loc>
		<lastmod>2014-05-09T18:11:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/increase-retirement-plan-engagement</loc>
		<lastmod>2014-05-12T12:39:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/how-401-k-plan-participants-can-beat-the-market</loc>
		<lastmod>2014-05-13T12:46:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-sales-system-that-cannot-fail</loc>
		<lastmod>2014-05-13T13:26:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/industry-insights-from-the-road</loc>
		<lastmod>2014-05-13T21:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-tips-for-cultivating-a-healthy-workplace</loc>
		<lastmod>2014-05-14T14:32:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/make-sure-youre-ready-for-an-i-9-audit</loc>
		<lastmod>2014-05-14T18:41:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/should-employers-consider-spousal-surcharges</loc>
		<lastmod>2014-05-15T08:40:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/mental-health-is-too-often-overlooked-in-employee-wellness</loc>
		<lastmod>2014-05-19T17:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/rating-rubios-retirement-recommendations</loc>
		<lastmod>2014-05-20T12:47:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/a-thank-you-note-to-the-benefits-industry</loc>
		<lastmod>2014-05-20T15:17:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/4-website-mistakes-that-turn-buyers-away</loc>
		<lastmod>2014-05-22T14:05:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/one-of-the-most-popular-voluntary-benefits</loc>
		<lastmod>2014-05-23T12:18:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/cobra-beneficiaries-get-special-enrollment-opportunity-on-aca-exchanges</loc>
		<lastmod>2014-05-27T15:39:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/workplace-bullying-issues-a-worldwide-concern</loc>
		<lastmod>2014-05-27T16:03:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/getting-private-college-faculty-to-change-their-retirement-mentality</loc>
		<lastmod>2014-05-27T18:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employee-travel-exposes-potential-workers-compensation-issues</loc>
		<lastmod>2014-05-28T20:16:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/eight-403-b-mistakes-you-can-avoid</loc>
		<lastmod>2014-05-29T12:25:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/should-you-offer-voluntary-hospital-indemnity-insurance</loc>
		<lastmod>2014-05-30T17:02:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/wellness-efforts-can-help-prevent-obesity-from-becoming-a-disability</loc>
		<lastmod>2014-06-02T13:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/build-employee-loyalty-in-your-practice</loc>
		<lastmod>2014-06-02T13:39:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-changes-to-expect-in-social-security</loc>
		<lastmod>2014-06-03T13:16:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-build-a-powerful-business-network</loc>
		<lastmod>2014-06-03T13:51:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-latest-reasonable-accommodation-trend</loc>
		<lastmod>2014-06-04T14:53:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/an-inside-look-at-wellness-program-strategies</loc>
		<lastmod>2014-06-04T19:23:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/rolling-on-the-private-exchange-train</loc>
		<lastmod>2014-06-05T13:31:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/is-the-pendulum-swinging-back-in-favor-of-employers-and-advisers</loc>
		<lastmod>2014-06-06T13:33:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/meeting-irs-6055-and-6056-reporting-requirements</loc>
		<lastmod>2014-06-09T13:45:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/6-features-of-the-best-401-k-plans</loc>
		<lastmod>2014-06-10T13:33:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/7-business-truisms-that-arent-actually-true</loc>
		<lastmod>2014-06-10T13:49:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-sell-and-open-opportunities-year-round</loc>
		<lastmod>2014-06-10T19:44:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/sales-strategies-for-changing-market-conditions</loc>
		<lastmod>2014-06-11T13:55:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-questions-to-coach-your-team-through-a-mid-year-review</loc>
		<lastmod>2014-06-11T14:08:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-do-world-class-hiring-practices-and-new-business-acquisition-strategies-have-in-common</loc>
		<lastmod>2014-06-12T13:41:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/small-employers-can-shift-wellness-discussion</loc>
		<lastmod>2014-06-12T13:51:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/focus-on-employee-retirement-readiness</loc>
		<lastmod>2014-06-12T13:56:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/whats-in-voluntary-benefits-for-me</loc>
		<lastmod>2014-06-13T14:04:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-future-of-health-benefits</loc>
		<lastmod>2014-06-13T14:32:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/irs-targets-roth-feature-in-401-k-plans</loc>
		<lastmod>2014-06-16T13:06:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/beyond-physical-wellness</loc>
		<lastmod>2014-06-16T13:06:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/sec-finra-and-irs-issue-bitcoin-warnings</loc>
		<lastmod>2014-06-17T13:21:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/advisers-need-to-warn-consumers-of-aca-discrepancies</loc>
		<lastmod>2014-06-17T14:41:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/understanding-fiduciary-protection-from-retirement-providers</loc>
		<lastmod>2014-06-19T18:13:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/employer-interest-has-spiked-in-adviser-help-with-403-b-s</loc>
		<lastmod>2014-06-20T13:20:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-tips-to-establish-an-internal-controls-system-for-401-k-plan-compliance</loc>
		<lastmod>2014-06-23T13:40:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/use-evolution-and-education-to-grow-your-agency</loc>
		<lastmod>2014-06-24T13:35:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-reasons-401-k-ira-rollovers-are-a-bad-idea</loc>
		<lastmod>2014-06-24T13:50:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/step-on-the-gas-and-change-the-culture</loc>
		<lastmod>2014-06-24T17:30:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-is-medicaid-migration-and-how-does-it-apply-to-brokers</loc>
		<lastmod>2014-06-25T13:30:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/communication-and-trust-are-closely-related</loc>
		<lastmod>2014-06-26T13:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-ins-and-outs-of-spousal-carve-outs</loc>
		<lastmod>2014-06-26T15:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/where-do-employee-rights-start-and-how-far-do-they-go</loc>
		<lastmod>2014-06-27T13:39:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/weighing-the-benefits-of-insurance-vs-non-insurance-legal-plans</loc>
		<lastmod>2014-06-27T13:48:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/this-is-your-brain-on-stress</loc>
		<lastmod>2014-06-30T15:18:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/6-tips-to-close-the-sale</loc>
		<lastmod>2014-07-07T18:14:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/key-questions-to-ask-private-exchange-providers</loc>
		<lastmod>2014-07-08T13:05:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/tool-helps-plan-sponsors-check-up-on-advisers</loc>
		<lastmod>2014-07-08T13:28:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/reframing-the-conversation-around-voluntary-benefits</loc>
		<lastmod>2014-07-08T14:33:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/2014-benefit-trends-3-standout-strategies</loc>
		<lastmod>2014-07-09T12:17:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-next-era-of-benefits-carriers-that-consult</loc>
		<lastmod>2014-07-09T12:24:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-kinds-of-hras-are-permitted-post-aca</loc>
		<lastmod>2014-07-09T15:34:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/group-legal-can-help-you-have-a-successful-re-enrollment</loc>
		<lastmod>2014-07-10T13:27:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/nearly-three-quarters-of-prospects-do-this-before-they-meet-you</loc>
		<lastmod>2014-07-11T13:27:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/its-clean-up-season-for-retirement-plans-do-your-clients-know-where-to-start</loc>
		<lastmod>2014-07-11T13:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/santa-has-great-branding</loc>
		<lastmod>2014-07-14T14:48:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/10-sales-axioms-for-use-in-any-market</loc>
		<lastmod>2014-07-14T18:39:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/help-your-employees-make-the-right-401-k-investment-choices</loc>
		<lastmod>2014-07-15T13:08:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-future-of-retirement-plan-advising</loc>
		<lastmod>2014-07-15T13:46:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/voluntary-sales-youre-doing-it-wrong</loc>
		<lastmod>2014-07-16T13:17:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/are-all-etf-401-k-s-primed-for-a-surge</loc>
		<lastmod>2014-07-16T13:53:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/beating-benefits-bewilderment</loc>
		<lastmod>2014-07-16T15:22:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/cafeteria-plans-still-going-strong-after-all-these-years</loc>
		<lastmod>2014-07-21T13:20:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-aca-shared-responsibility-excise-taxs-missing-link-employer-rights</loc>
		<lastmod>2014-07-21T13:50:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-current-fee-for-service-system-hinders-value-based-plan-design</loc>
		<lastmod>2014-07-22T12:59:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/5-ways-to-ease-the-burden-of-payroll-deduction-for-clients</loc>
		<lastmod>2014-07-22T13:28:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-ways-to-avoid-a-dol-audit-of-your-401-k-plan</loc>
		<lastmod>2014-07-22T14:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/prospecting-in-the-digital-age-5-easy-steps</loc>
		<lastmod>2014-07-23T13:06:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-make-your-clients-corporate-wellness-programs-work</loc>
		<lastmod>2014-07-23T13:13:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/4-things-left-out-of-the-aca-that-you-can-capitalize-on</loc>
		<lastmod>2014-07-24T13:31:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/3-questions-to-ask-before-moving-to-a-private-exchange</loc>
		<lastmod>2014-07-24T13:35:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/using-behavioral-economics-to-understand-disability-insurance-purchasing-decisions</loc>
		<lastmod>2014-07-25T12:56:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/frequently-asked-questions-about-private-exchanges</loc>
		<lastmod>2014-07-29T12:59:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/which-type-of-fiduciary-should-plan-sponsors-hire</loc>
		<lastmod>2014-07-29T13:11:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/advisers-and-pbms-are-closing-costly-health-care-loopholes</loc>
		<lastmod>2014-08-01T13:05:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/the-surprising-consequences-of-health-plan-data-breaches</loc>
		<lastmod>2014-08-04T12:41:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/form-5500-filings-wheres-the-beef</loc>
		<lastmod>2014-08-04T14:23:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/get-started-now-on-401-k-plan-changes-for-2015</loc>
		<lastmod>2014-08-05T13:14:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/employers-face-litigation-threat-in-fmla-cases</loc>
		<lastmod>2014-08-06T13:34:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/how-to-adjust-your-business-to-optimize-voluntary-sales</loc>
		<lastmod>2014-08-06T17:08:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/workplace-culture-must-go-beyond-mission-statement-core-values</loc>
		<lastmod>2014-08-08T13:31:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/the-sales-system-that-cannot-fail-optimizing-linkedin</loc>
		<lastmod>2014-08-11T20:41:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/opinion/5-reasons-to-reconsider-active-management</loc>
		<lastmod>2014-08-12T13:03:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/what-your-prospect-wants-now</loc>
		<lastmod>2014-08-12T16:53:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/revisiting-missed-or-late-retirement-plan-deposits</loc>
		<lastmod>2014-08-15T13:24:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.benefitnews.com/advisers/opinion/is-the-company-cafeteria-making-employees-fat-how-to-create-a-corporate-culture-of-health</loc>
		<lastmod>2014-08-15T18:37:45+00:00</lastmod>
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</urlset>
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