We've written several articles about the change that hasoccurred in benefit managers' attitudes toward the types ofcoverages that are suitable for their employees. Twenty years ago,benefit managers only offered those products that most/all of theemployees wanted and needed.

Today, with voluntary benefits being an integral part of anemployer's benefit package, the mindset is “if some of my employeeswant this, why not offer it?” The result is a much more robustpackage of benefits—especially voluntary benefits.

While brokers have become comfortable with most traditionalplans, pet insurance, identity theft coverage, legal plans andemployee purchase programs also are becoming increasingly common inbenefit packages.

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