More brokers than ever are turning to gap plans to plug the holes

Even health care requires a guidesomeone who can show you around, speak the language and understand the laws and customs.

Theres been a lot of talk about voluntary benefits, but theres value in understanding market hurdles as well opportunities.

Its time for a change, and youre serious this time. Youre going to generally do it differently in 2012.

While the vast majority of companies in the U.S are now offering wellness programs, most would admit their program is far from perfect.

Most Americans arent healthyand they arent getting any better not following the advice of their primary care doctors.

Transitioning into a new role can be challenging for any employee, but when that employee is taking on a management position for the first time, there can be another set of difficulties, says Tom Davenport, senior consultant at Towers Watson, a global professional services company in New York City.

Given todays economy, employers have continually looked for ways to control costs, and in many cases, freezing salaries have been part of cost containment strategies.