Participation and enrollment in limited benefit products are critical to the broker realizing a return on effort, as well as the overall viability of the program for the employers. An essential message to employers continues to be that limited

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As brokers, we are all looking for the perfect carrier; so far most brokers have been unsuccessful in that endeavor. There are great companies in the market and many of us have the pleasure of working with some great people at these carriers. But

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42 percent of employees report hearing co-workers use sexually inappropriate language in 2007, up from 34 percent in 2006. 45 percent of men report hearing co-workers make sexually inappropriate comments, compared with 38 percent of women.

Americans are bombarded with the notion of a nationalized health care system. The media touts catch phrases like "Health Care for all Americans" and "No Child without Health Care Coverage." These catch phrases might lead

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30 percent of employee training occurred online in 2007. U.S. organizations spent nearly $130 billion on employee training and development in 2006. One-third of training time is delivered via some form of technology. Source: Workfo