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This is the time of year when gift-giving usually takes the form of material offerings and, for the lucky few, year-end bonuses. But, considering the continued uncertainty of today's economy and the anticipated increases in cost for health insurance and all types of caregiving programs, brokers are in a good position to help employers rethink the usual coffee mug or pen as a "gift" this year. Employers can instead give their workforce something that could really help them: lifestyle benefits that extend beyond the employee to help them provide care and support to their loved ones.

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