Employers are passing more of the cost burden onto their employees, thus creating the need for employees to make smarter decisions when it comes to their benefits.

The fee-for-service model that's served us for so long is being replaced with different models, ones that typically move some of the burden of risk from payers (and employers) to care providers.

Transamerica's Center for Retirement Studies says its latest survey once again shows women are at greater risk of failing to achieve a financially secure retirement compared to men.