Ask a roomful of HR leaders to name their biggest stressors and some interesting answers float up – sometimes literally. A new social experiment by Impact Group suggests that, as the economy recovers, these practitioners are engaging in some big-picture thinking, and their worries may only be ballooning.

The Patient Protection and Affordable Care Act (PPACA) poses both a moral and business dilemma for worksite wellness programs, but a leading authority suggests that it can be overcome with careful thought and the right strategy in place.

Now that heath reform remains intact, it's official: compliance waivers on expense-incurred medical plans are set to expire on Dec. 31, 2013 - which will result in millions of uninsured hourly and part-time employees looking for new avenues of health care coverage.

Intending to combat the cost of absenteeism, workplace disruptions or a significant change in productivity due to an employee with child or elder care worries, employers are starting to offer Care.com's Workplace Solutions as an employee benefit. Distributable through brokers, the online platform and consulting service helps families find every day, back-up and occasional care across the U.S.

The primary cause of stress, points out James Werner, CEO of Wealth Habit, is finances. With the average employer spending just under 9% of payroll on extended disability absences - most of which are related to stress - Werner believes an increased focus on financial wellness in the workplace has the potential to not only help employees save, but also save their employers "hundreds of thousands, or even billions, of dollars a year."

Private enterprise is limbering up for the 2012 EBN-EBA Financial Fitness Challenge, an online financial-education program sponsored by Employee Benefit News and Employee Benefit Adviser in partnership with Educated Investor, a provider of financial education products. Organizations of all types and sizes, from Walmart to Woodchuck Hard Cider, are taking part in the Challenge, which began last month.

The 1988 Paralympic Games in South Korea changed my outlook on disability - and ultimately helped shift the focus of my group benefits career to disability income insurance and instilled a strong belief in an advocacy-based approach.

For decades, health care consumers have been told once you have a problem, then you should go to the doctor. But now, as high-deductible health plans become ever more prevalent, employers are encouraging employees to go to the doctor first - before they get sick - and in turn the employer will often cover the visit at 100%.

Most experts are predicting massive consolidation among DC record keepers - with the big push just about to begin, especially with four national record keepers representing more than 100,000 defined contribution plans likely to change ownership in the next few months.

Behavior change may very well be one of the keys to true health care reform. Given the proper market environment, American consumers will respond accordingly and adapt.

Are you pessimistic or are you optimistic about the Supreme Court's June decision to basically uphold all of PPACA? What is your plan in this sea of personal and corporate uncertainty?

Employees know very little about disability coverage. But when they learn about it, they often want the coverage and are willing to pay for it, recent surveys find. The Consumer Federation of America and Unum national survey of 1,200 employees finds that only 13% know "a lot" about disability insurance, and less than half (47%) know what its benefits are.

While President Barack Obama's open support of same-sex marriage hasn't caused any immediate change in federal law, the 1st U.S. Circuit Court of Appeals in Boston ruled recently that part of the Defense of Marriage Act - which denies federal benefits to same-sex married couples - is unconstitutional and cannot be enforced. Noting that a "Supreme Court review of DOMA is highly likely," however, the 1st Circuit put the ruling on hold.

For all employers' focus on curbing obesity statistics through healthy eating and exercise programs, it can be easy to forget that smoking remains the leading cause of preventable death in the United States. One employer, Nelnet, is remaining vigilant about stamping out smoking among its employee population.

As employers move past the anxiety and drama over the Supreme Court ruling on health care reform, there's no escaping the fact that steep employee medical benefit costs remain as a serious concern - not only in the United States, but all over the world.

Last September, after the Patient Protection and Affordable Care Act gave the Department of Health and Human Services authority to review premium rates in states that didn't have strong enough review programs, the agency began handing down decrees of "unreasonable" premium rates for insurers that proposed increasing rates by an average of 10% or more - meaning HHS can publically shame an insurer.

"The whole onsite clinic thing has been a buzz the last few years," says Michael Troup, partner at Forsite Benefits.

We talk a good game in the health care system. We say we want to empower patients, but how powerful do we really want them to be? We say we want to give them enough information so they can make informed choices, but how do we deliver that information so that patients truly understand what is being said? As health care reform continues and open enrollment periods occur, encourage your employees to know that they are the key to this empowerment that everyone's talking about. Thus, it's important that they be educated about, and encouraged to exercise, their medical freedoms - specifically, the freedom to request the surgeon of your preference.

Even under the best employment conditions, hiring the wrong employee can drag down a company's bottom line and dampen workforce productivity and morale. However, the national skills gap and ongoing economic concerns make finding the right candidate crucial the first time around.

"The current generation has stumbled on an incredibly powerful and important model for changing the world and the workplace: the network."