36 pages. "[E]mployers noted that they still feel that it is important to continue to offer benefits to their employees, although their distribution and delivery methods may change. Most employers' benefit structures for 2014 are similar to those of 2013 with many employers taking a 'wait and see' approach before making significant changes to their delivery model ... Almost half of respondents have already increased or plan to increase dependent coverage contributions at a higher rate than employee only coverage. Over one third (35%) of respondents have already applied, or plan to apply, a surcharge on spousal coverage (or exclude coverage) when spouses have coverage through their own employer."  MORE >>