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Recruiting, hiring and utilizing topnotch salespeople requires time, effort and a different set of skills.

Human resources software company Ultimate Software harnesses its services, called UltiPro, for its own HR strategy implementation.

These employers are leveraging their size to negotiate lower fees, improve menu selection and keep costs in check

Some are forced to retire early because of disability, layoff and health issues, while others fear that the program will reduce future benefit payouts as a result of its financial woes.

By making the benefit more comprehensive, employers can help effectively treat workers and reduce overall costs associated with delayed recovery and poor employee health.

Unlocking value will require organizations to deeply integrate AI into their business and customer strategy, so it can be unleashed to advance priority goals and drive growth.

The Wisely Pay solution includes peer-to-peer transfers, instant pay and mobile digital wallets from Apple Pay, Samsung Pay and Android Pay.

Much like stop-loss coverage, employers can use telehealth services when making the leap to becoming self-insured.

Igal Rotem is CEO of Credorax.

Stessa Cohen is research director of banking and investment services at Gartner.