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

October is the heart of peak enrollment season. It's time to put asidebenefit strategy for executing tactics. Whether it is conductedonline, through personal contact with an enrollment professional orboth, the key challenge for us as benefit professionals is to helpemployees balance two intertwined questions: "What do I need?" and"What can I afford?"

Our job is to help employees understand how to get the most outof their enrollment options. We can accomplish this by helping themunderstand their related risks, while helping them balance payingfor needed protection against using the money for less-essentialexpenditures. How do we do that?

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