The employee benefits industry wasn't created from some over-arching plan, springing fully formed into 2001 or 1981. Instead, "it reflects a gradual accumulation of factors," notes one government publication, changed by health care finance innovations, political and social movements, and "coincidence of timing" among other things. One might argue that the products and tools we use are another factor influencing the employee benefits industry. Here are some new products that came across our desk:
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