Doctors in the United States spend almost four times more on health insurance administrative costs than their neighbors up north, according to new data.

The voluntary business is an important economic bellwether. It sounds plausible given that these are discretionary financial product purchases by large numbers of consumers.

Individual disability income markets combined premiums dropped for the second consecutive year as a result of poor economic conditions. But the drop from 2009 to 2010 was significantly lower than the previous year signaling future sales may be on the rebound.

Four keys to an absence and disability management program that actually work