Employers and employees are looking to a combination of supplemental benefits, enhanced technology and education to navigate the pandemic's impact and prepare for the future. Bob Ruff, Senior Vice President of Growth Solutions at Aflac, give a fresh look into how the benefits landscape is chaning.

AHIP member insurers have been sending gift cards to enrollees and support to providers. Now, AHIP is helping with vaccinations.

According to experts, "The financial impact of the pandemic has weakened some providers, which will undoubtedly fuel another merger-and-acquisition wave."

Consider the whole picture of participants' financial landscape to build a solid line of defense around their retirement savings.