We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next 10. Don't let yourself be lulled into inaction. Bill Gates, from his book, The Road Ahead.

With all the tasks your clients have on their plates, it's not surprising that many of them are unsure of how to manage employee absences and disabilities.

When I first got into insurance, I didn't say, I want to deliver worse news to my clients and their employees by delivering higher cost plans that provide less coverage each year.

The people spoke, their responses are tabulated, and the results are official