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A few days ago, as I was talking with one of the employee benefit brokers we work with, she commented that the benefits business has changed radically in the past few years. Think about it, she observed: When I started in the business we didn’t have PPACA to deal with, we didn’t communicate via texting, cell phones were a luxury and there was a very limited choice of voluntary products. She concluded, “My business is completely different today.”

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