Recently, professional services company CBIZ’s vice president of regulatory affairs sent an internal memo stating, “Hyperbole though it may be, the world of employee benefits is changing far more rapidly than the structure intended to support it.”

Are you familiar with the duck test? It goes something like this: If it looks like a duck, walks like a duck and quacks like a duck, it’s probably a duck. Along these lines, her memo urged us to consider if a program provides medical benefits or is sponsored by an employer when assessing a new employee benefit offering.

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