"[U]nlike in the pension world, very little is known about how individuals select their benefits packages, if their selections are optimal for their situations, or what employers can do to encourage the optimal benefit package selection. In this changing benefit landscape, it is important to determine three things: [1] What are current employer practices and their resulting take-up and coverage patterns? [2] Which practices influence employees' selections? and [3] What can employers do to make the employees' selections closer to the employees' optimal choices?"  MORE >>