• Examine the trends and attitudes about voluntary benefits, as well as the workplace in general, which are shaping the future of American companies • Solutions for retaining the best and most productive employees, while attracting new top performers • Compare perceptions of a benefits plan and related communications with the often very different opinions of the workforce

• A 2009 Harvard research study revealed that 62 percent of personal bankruptcies in the U.S. were caused by health problems1 • Employers expect health care reform to increase health care expenses and cost shifting, creating the need to fill coverage gaps for employees • Case Study: Complementing traditional medical insurance with voluntary benefits to provide employees with additional protection from major health events

-Health care reform includes a new voluntary long-term care program to be offered through employers (CLASS Act). -This session will provide a current overview of the program status and important considerations for employers/benefits specialists prior to offering (or not offering) this new federal program -Understanding the pros and cons that employers should consider with a federal LTC program