Contract or Commodity?

Do you agree that we live in a litigious society? Do you feel compelled to put things in writing when establishing a position or making a deal? Have you ever marveled at how a few well-placed words in a contract can completely change the way the document is interpreted? Do you find yourself skeptical of

Narrowing the Gap with Voluntary Benefits

Employers today continue to be challenged with providing comprehensive, cost effective and competitive benefits packages. One way that they are reducing premiums for both the business and their employees is by offering high deductible health plans, or HDHPs. However, this also may open their employees up to measurable risks. The addition of a well- planned