The National Association of Health Underwriters held its annual convention in late June amid a mood of apprehension, as the attendees expected a Supreme Court ruling on health care reform during the convention.

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.

In her career as sales director at ITG Worldwide, Kristin Ash emphasizes the importance of informing plan sponsors and plan participants about the risks associated with traveling and working overseas. EBA spoke with Ash about her success and the benefits of adding international coverage to a broker's portfolio.

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.

There is no question that the Supreme Court upholding the Patient Protection and Affordable Care Act in a 5-4 ruling has solidified, for now, the change in the country's health care market that took form when President Barack Obama signed the legislation into law in March 2010.

In a profession on the brink of radical change, advisers need deeper insight, more analysis, and broader perspectives. They need actionable, timely information in the formats in which they can best absorb it. And they need it now.

7:00 a.m. The morning begins with checking my smartphone and going through LinkedIn and Twitter. I then check emails and respond accordingly.

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?

In the movie armageddon, Earth faces destruction from a giant asteroid on a collision course with our planet before it is saved by the heroic sacrifice of the character played by Bruce Willis. As 2014 hurtles toward us, brokers across the country helplessly search for a savior from the cataclysmic PPACA disaster. "Help us, Supreme Court!" No? Then, "Help us, Republicans!" Maybe. Maybe not.

So we now know the U.S. Supreme Court's ruling on the most bitterly disputed provisions of PPACA. Regardless of your political persuasion, you may not have found that ruling to be favorable. In fact, I'd be stunned if you were prepared to embrace the overall commentary of the ruling. Many of you were absolutely convinced that the entire piece of legislation would be found to be unconstitutional. Others thought that surely certain provisions would be overturned. Even we thought that some portions of the legislation would be thrown out.

After the June 28 Supreme Court ruling that found the Patient Protection and Affordable Care Act to be constitutional, many group medical producers felt that their business was over. I want to begin by saying that there has never been more opportunity than there is right now and that there will be for the foreseeable future.

Under health reform, state health care exchanges are slated to operate in 2014 - not much time to figure out the role a broker will play in the system. As we await more definitive information on what exactly constitutes a "navigator," one can look toward California, which is further along in setting up its exchange, as a potential model, says Neil Crosby, director of sales at Westlake Village, Calif.-based Warner Pacific Insurance Services.

As health care costs continue their upward trajectory, employers everywhere are left searching for ways to manage their benefit costs, and many are looking to wellness programs as the solution. In fact, a recent Express Scripts study reveals that 81% of employers surveyed intend to offer a wellness plan in the next two years.

With health reform there's a real opportunity for brokers and consultants to truly add value to their client services. It allows them to go above and beyond just the tactical nature of health plans and step up the strategic level of advice and guidance.

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.

With the recent Supreme Court ruling now finalized and the minimum essential health insurance provisions in place, companies have begun to ask us “What’s next?” or “What will the financial impact be for our company in 2014?” My belief is that by taking a proactive approach to the individual mandate and understanding the impact on your company’s financials, you will be able to make that critical decision whether to continue offering a group health care…