Even with the substantial decreases in employer-based coverage levels year over year, the cost of workers health benefits continues increasing at a rate three times that of wages since 1999.

How and when we retire is changing in the U.S. as the workplace shifts to defined contribution plans rather than traditional pensions. Looking at the challenges from an actuary's point of view can help us deal with this major shift.

These defined benefit plans allow for enough savings and have portability, according to a study from the National Institute on Retirement Security

The pension benefits of already-troubled plans can't be sustained through 30+ year retirements. Help your clients have a back-up plan for when the pension money is gone.