It's a new era for benefits.

With health care reform forcing HR to navigate so many changes, many are thinking critically about how to stay in the black while still providing quality employee benefits.

Many employers are considering cost-saving measures. One tactic might be to switch from an employer-paid long-term disability plan to one offered on a voluntary basis. This might be seen as a win-win situation for employers, as they're providing a competitive benefits package but at little-to-no expense to them.

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