5 pages. Excerpt: Employers are taking a fresh look at incorporating elective benefits strategies as an option when core benefits are being reduced in the current economic climate. This is leading to an array of new elective benefit programs. Today's landscape includes offerings to fill gaps in health care coverage linked directly to an employer's plan, or new features that encourage healthy lifestyles. Employers are likely to incorporate these plans since the value of the benefit has increased and the need for choice is more evident.