As we look around at the effects COVID-19 has had on various industries, it is clear that many of these changes will be permanent– even when things go back to "normal." How many of us went grocery shopping online before the pandemic? How often did we meet virtually or connect via Zoom calls, personal or professional? When we go back to "normal," these scenarios will become less common, but it's fair to say they'll remain far more relevant than they were pre-pandemic.

The voluntary benefits industry is no exception to this change. According to Gallagher's Work Force Trends Series report, "Pandemic stress brought employee wellbeing to the forefront, and voluntary benefits is in a position to address this. These adaptable resources allow employers to achieve their benefit objectives at a minimal expense, while providing their employees with an added measure of financial protection, cost savings and great peace of mind. In an extended period of economic uncertainty, many consumers are inclined to spend disposable income more cautiously."