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Opt in opt out computer keys We need to help employees understand their related risks while helping them balance paying for needed protection against using the money for less-essential expenditures. (Image: Shutterstock)

October is the heart of peak enrollment season. It’s time to put aside benefit strategy for executing tactics. Whether it is conducted online, through personal contact with an enrollment professional or both, the key challenge for us as benefit professionals is to help employees balance two intertwined questions: “What do I need?” and “What can I afford?”

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