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The answers are interrelated and center around two gaps in the typical family's financial security: The cost of hospital-related services and the amount of savings available.

In 2021, approximately 420 PRT cases (representing around $30 billion) was replaced with insurers.

Now that the country is facing a labor shortage and employees are in high demand, advisors and employers can differentiate themselves, attracting employees by offering comprehensive benefits packages that enable employees to place their well-being at the forefront of their careers.

While employers may want to communicate benefits information more effectively, this is just one of many tasks falling upon frequently understaffed human resources departments. As a result, many companies condense their benefit communication efforts into the open enrollment period rather than spreading communications throughout the year.

Customers now view great service as being almost indistinguishable from not having to have service at all.

Ninety percent of employees believe the need for supplemental insurance has increased since the start of the pandemic, and there are three main reasons why.

The rule, created under the Trump administration, did not have a chance to go into effect before being rescinded by his successor.

Two years into the pandemic, companies and their benefits advisors can now see what employees are looking for from their benefits. To meet the demand for ancillary coverage, holistic health, and more digitization, they must adjust their benefits model.