In 2017, that old Chinese curse, May you live in interesting times could cause brokers and HR executives to wonder about their sins in past lives, as the benefits industry is once again upended by a federal government that declares itself here to help.

In 2017, that old Chinese curse, May you live in interesting times could cause brokers and HR executives to wonder about their sins in past lives, as the benefits industry is once again upended by a federal government that declares itself here to help.

Three Rs dominated the HR world in 2016: recruitment, retention, and regulation.

Three Rs dominated the HR world in 2016: recruitment, retention, and regulation.

Workers compensation continues to be a major concern for employers, and while some industries have more claims than others, all have concerns about the associated costs.

Workers compensation continues to be a major concern for employers, and while some industries have more claims than others, all have concerns about the associated costs.

Financial risk is the big factor in whether a company self-insures or not. There's little argument about costs self-insurance is less expensive and allows employers to customize plans more easily. It is also less heavily regulated.

Self-insurance for medical benefits is sometimes seen as a step into the unknown. After all, companies are taking on more risk, and the potential for catastrophic medical costs can intimidate some business owners. But many experts say that the potential cost savings outweigh the risk. And with each passing year,...