Last year, 43 percent of employees sought HR guidance for benefits information, according to a Prudential study on benefits communication.

This many employees asking HR for help choosing their benefits creates not only a fiduciary risk for a company, it can also take a substantial toll on a manager's time and energy.

But the questions coming into HR can be evaded with proactive communication if provided before open enrollment, and from a benefits planning approach, rather than once a year. That means making benefits communication a year-long initiative in order to help employees address their questions before they arise.

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