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We’ve all read and heard how the Patient Protection and Affordable Care Act is creating more opportunity for voluntary sales. But is it true? Has it started? Or has this train derailed at the station?

Recent research provides evidence that this is indeed happening. Our employer study showed that more employers are looking to make changes to their benefits programs today than they were two years ago. More than three in 10 are considering changes that are voluntary in nature, and 17 percent are very likely or likely to move certain benefits to voluntary. Those include vision coverage, dental insurance, disability insurance (both STD and LTD) and life insurance.

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