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Some years ago, I was a researcher for a major employee benefits educational association. I learned that changes in federal legislation mean big business for advisers because of the demand they create for education. So here is my educated prediction for the new year: the equation in 2011 will be education equals sales.
Boosting employees' take-home pay by providing voluntary benefits at significantly reduced premiums? That's a winner.
These are uncertain times for employee benefit brokers and consultants. "Obamacare" and the minions in the federal agencies are entrenching national health care with speed and design. Most recently, brokers found out that pay for the various services they provide employers will be placed on the administrative side of carriers' ledgers, making commissions subject to the law's medical loss ratio restrictions.
