Description: The author discusses group short-term disability or STD programs, including the advantages and disadvantages of self insured vs. insured plans, as well as hybrid approaches.

Description: This article discusses how employers and employees often misunderstand the types of coverage they own, and argues that customizing insurance solutions can be a pragmatic solution. The authors note that typically an employer will provide a basic group insurance plan for all employees, and then discuss the advantages of customizing voluntary benefits to supplement core benefits, and how they can be targeted to specific groups.