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Advisers should consider these programs to help employer clients control medical expenses while maintaining employee coverage levels.

Jung Ryu is the national accounts practice leader for The Standard and is responsible for developing comprehensive disability management solutions for his clients.

A Roth IRA is a good savings vehicle for workers who expect to move to a higher tax bracket in retirement.

Benefits managers with employees in the Empire State need to consider eligibility, qualifying events and coordination with accrued PTO policies.

Ellen McCann is assistant vice president & special counsel at Unum. She holds a BA from the College of the Holy Cross and her JD from the University of Notre Dame Law School. She provides legal support to Unum’s leave management department for FMLA, ADA and paid leaves and is a frequent national speaker on these topics. In addition, she advises Unum’s HR department on all employment-related legal issues, with particular emphasis on FMLA, ADA, military leaves, wage/hour compliance and restrictive covenants.

Colleen Ciak is head of eAdoption at Billtrust. She can be reached on Twitter at @ColleenCiak.

The changing dynamics of carrier competition, the effect of insurance M&A on the market and influence on prescription drug availability are all ways employer-based healthcare may be impacted.

By tying its clinical database to physicians’ EHR systems, the drug chain hopes to avoid patient sticker shock and prescription abandonment at the point of sale.

A number of large employers are responding to the troubling trend by offering financial wellness and education programs to employees.