It is probably safe to assume that with the most recent news headlines of “Healthcare Costs to Increase in 2012”, “The State Exchanges in Health Care Reform” and “Health Care Compliance”, the majority of employers offering employee benefits programs are focusing their attention on Health Care Benefits while the ancillary benefit programs of Basic Life, Accidental Death & Dismemberment (AD&D), Short-term Disability (STD) and Long-term Disability (LTD) are often left unattended to. Read More