Who would guess that the most important development in theemployee benefits marketplace is the greater and more creative useof … semiconductors?

Change is accelerating in the benefits industry on a variety offronts, including products, delivery platforms and measurement ofoutcomes, to name a few. But the biggest change agent by far is thetighter embrace of technology by brokers and advisors, employersand employees.

The underlying reason for the proliferation of silicon-coatedcomputer chips among the mix of medical coverage and retirementsavings is that employers and their employees are struggling tonavigate the growth of voluntary benefits. Increasingly, employersare shifting from being benefits providers to benefitsenablers.

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