Under the duress of health reform and increasing benefits costs, the relationship between carriers, brokers and employers is rapidly changing.

Mike Fish, vice president and head of the voluntary business segment for The Hartford's Group Benefits, and a speaker at the 2012 Benefits Selling Expo, explains how these three points on the benefits spectrum can work together to provide better solutions for workers.

"The broker's job historically has been to consult with their clients to determine the best solutions that would work for their clients and employees," Fish said in a video interview with BenefitsPro. "However with the recent advent of heightened regulatory requirements from the states, as well as health care reform at a national level, that consultative element is becoming even more critical today."