The voluntary marketplace has evolved into a more sophisticated and integrated solution, alongside the core employer-paid benefits. In the early years, traditional “worksite” carriers offered plans that would simply help fill gaps in core plans or offer value-added services. Now, the marketplace takes a vast array of elements into consideration for a comprehensive Total Rewards strategy. Factors such as HR technologies, cyber security concerns, leave of absence continuance, benefit bundling or integration, claims utilization, and captive solutions are just a few of the current considerations shaping this evolving landscape.
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