Photo: AP

John Wayne is often credited with saying “Life is hard; it’s harder if you’re stupid.” Truth be told, at least according to Snopes, he never actually said it.

It doesn’t matter if he did or didn’t. If you know John Wayne and the characters he portrayed, it’s more than fitting as something he would have said. In fact, a lot of things are tougher if you’re, well, shall we say, “mentally challenged,” or, perhaps more to the point, “inexpert.”

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?


Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.