In business, or arguably anything you do, timing is one of the most crucial factors.

Whenever the final book on the Patient Protection and Affordable Care Act is written, the year 2016 may not garner the most lengthy of chapters in terms of implementation.

A great deal is happening in the voluntary benefits market, as more brokers and carriers enter the space, and employers realize supporting overall wellnessphysical, emotional and financialincreases presenteeism and productivity.