Armstrong predicts "there will be continued convergence between traditional health benefits and areas of financial services, including financial advice, retirement savings and spending accounts."

The past year has been a difficult one for employers. They've struggled with furloughs and layoffs, closures and supply chain shortages, not to mention an ever-lengthening list of government regulations. Amid all of that chaos, the labor force has also faced its own challenges. The result? A fundamental change in the employer/employee relationship.

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Emily Payne

Emily Payne is director, content analytics for ALM's Business & Finance Markets and former managing editor for BenefitsPRO. A Wisconsin native, she has spent the past decade writing and editing for various athletic and fitness publications. She holds an English degree and Business certificate from the University of Wisconsin.