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Additionally, creative-driven industries like marketing, interior design or architecture could benefit from this concept, Christen added.

These roles sit between white- and blue-collar positions and are defined less by degrees and more by skills, opening the door to a fresh workforce type .

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While there are more than 30,000 approved generic drugs of all types, exceeding the number of brand-name drugs they can substitute for, there are fewer than 100 approved biosimilars in the U.S. — and in some cases, one biologic has multiple corresponding biosimilars — which means biosimilars are available as an alternative for only a fraction of approved biologics.

Working with your broker, plan design changes you might consider include: ;Allow annual maximums not used to be rolled over to the following year.; ;Exclude preventive services costs from annual maximums.; ;Increase the frequency of preventive procedures — at least for high-risk patients (such as those with diabetes, gum disease, heart issues, pregnancy, etc.).; ;Offer tiered coverage options for employees.; ;Add adult orthodontia coverage options.; ;Consider adding teledentistry to facilitate follow-ups, triage emergencies and provide general consultations.; ;Always try to negotiate better rates with carriers and providers.; Communication strategies might include: ;Send reminders in the fourth quarter to remind employees they have two free annual cleanings per year.; ;Stress that preventive services are “at zero cost to you,” and list the type and frequency of those services to make it clear they will have no out-of-pocket expenses.; ;Include the organization’s contribution to their

;Four types of pay disclosure laws.

Notice the solid bars representing the indexed design.

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For WorldatWork Members ;How Well Do You Elevate Employee Input into Total Rewards Design?

These sample formulas are designed to help WorldatWork members get started on developing great formulas that produce reliable outcomes.