Years ago a book by author John T. Malloy called "Dress for Success" was on the New York Times best seller list for many weeks after it was published in 1975. The book is about the effect of clothing on a person's success in business and personal life—how to power dress to be successful. However, the drive in business to be the best can certainly cause many individuals to suffer stress, even if you are dressed well.

According to Chuck Hayes, director of sales and broker development at American Behavioral, 75 percent of all primary care physician visits are for stress related problems, "When effectively promoted within a company culture, employee assistance programs, or EAPs, are the first line of defense for stress in the workplace," he says.

Health care reform has promoted EAPs along with wellness programs and on-site medical clinics.  While employers are now required to report the cost of benefits on an employee's W-2, the cost of coverage under an EAP, wellness program, or medical clinic doesn't have to be reported.  The only exception is if the employer does not charge a premium for the cost of this coverage to COBRA beneficiaries.  These benefits are also excluded from the health care excise tax, or Cadillac tax.