We spend a lot of life waiting. When we're kids, it feels like Christmas morning will never get here. As grown-ups, we're waiting for the weekend. We wait in traffic, at the grocery store and in the doctor's office. At least the Internet has mostly eliminated the need to wait at the post office and the bank. 

And for nearly a decade, a lot of our clients have been waiting … to see how health care reform legislation is going to pan out. Is it on? Is it off? Is it changing? And what the heck am I supposed to be doing now? 

The uncertainty has caused some employers to sit tight. But that wait-and-see attitude creates a problem for them, for their employees, and for us as benefits professionals. Because waiting to see what happens with just one benefit — major medical insurance — is keeping employers from making positive moves today to create more comprehensive, competitive benefits programs that will help attract and keep top talent.