Netflix owns no movies. Uber owns no cars. Airbnbowns no homes or hotels. But each is the most innovative and disruptive company in its industry because they own their marketplaces, they own the interfaces, and theyve made payment seamless. Its time for similar innovation in the employee benefits industry.

For clients facing Social Security start-date decisions, the new Bipartisan Budget Act includes provisions with meaningful impact. Here are 2 important changes to tell your clients about.

More than half of smartphone users (58 percent) in the United States have downloaded a health-oriented app while 42 percent had downloaded five or more.

The current figure for income replacement ranges between 7580 percent but this study says Americans will need much more than that in retirement due to rising health care costs.