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	<title><![CDATA[benefits and unumprovident Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/benefits+and+unumprovident.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to benefits and unumprovident]]></description>
	<s:counts start="0" returned="10" found="11" />
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		<title><![CDATA[Aging Workforce Challenge to Corporate Health and Productivity]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168411]]></link>
		<description><![CDATA[In the ever-changing work environment, one of the most pervasive challenges facing employers in coming years will be protecting the work capacity of the aging workforce. Individuals in the baby boomer generation, those born between 1946 and 1964, will work longer and remain healthier, creating a new life stage -...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 Dec 2005 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/health+care.html"><![CDATA[Health Care]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/workforce.html"><![CDATA[Workforce]]></category>
		<category domain="http://resources.bnet.com/topic/vertical+industries.html"><![CDATA[Vertical Industries]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/healthcare.html"><![CDATA[Healthcare]]></category>
		<category domain="http://resources.bnet.com/topic/recruitment+%2526+selection.html"><![CDATA[Recruitment & Selection]]></category>
		<category domain="http://resources.bnet.com/topic/workforce+management.html"><![CDATA[Workforce Management]]></category>
		<category domain="http://resources.bnet.com/topic/payroll+solutions.html"><![CDATA[Payroll Solutions]]></category>
		<category domain="http://resources.bnet.com/topic/enterprise+software.html"><![CDATA[Enterprise Software]]></category>
		<category domain="http://resources.bnet.com/topic/software.html"><![CDATA[Software]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
	</item>
	<item>
		<title><![CDATA[The Supplemental Market: Giving Companies a Competitive Hiring Advantage]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168443]]></link>
		<description><![CDATA[With healthcare premiums rising 72 percent over the last five years, escalating medical costs have a major impact on the decisions employers make about their overall benefit offerings. Today, employers must balance the mandate to control benefit costs with the need to attract and retain a high quality workforce. The...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 30 Nov 2005 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/hiring.html"><![CDATA[Hiring]]></category>
		<category domain="http://resources.bnet.com/topic/health+care.html"><![CDATA[Health Care]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/vertical+industries.html"><![CDATA[Vertical Industries]]></category>
		<category domain="http://resources.bnet.com/topic/healthcare.html"><![CDATA[Healthcare]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/enterprise+software.html"><![CDATA[Enterprise Software]]></category>
		<category domain="http://resources.bnet.com/topic/software.html"><![CDATA[Software]]></category>
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		<title><![CDATA[UnumProvident Champions Innovative Solutions for Supplemental Disability Insurance Benefits]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168393]]></link>
		<description><![CDATA[Key trends have moved supplemental disability insurance to the forefront of the employee benefits package. Employee-pay-all plans help manage the conflicting corporate challenge of pursuing cost-containment strategies and granting employees access to adequate coverage, as well as help fill gaps in core benefit offerings. They also enable employee populations to...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 11 Oct 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/payroll+solutions.html"><![CDATA[Payroll Solutions]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
	</item>
	<item>
		<title><![CDATA[UnumProvident Suggests Key Strategic Steps for FMLA Benefits Management]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168427]]></link>
		<description><![CDATA[In terms of the movement of presenteeism to absenteeism, depression is estimated to be a primary factor in about 6% to 7% of UnumProvident's short-term disability STD claims. Depression also shows up as a strong determining factor for job performance. It also was described as causing the highest average self-reported...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 11 Oct 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/family+and+medical+leave+act.html"><![CDATA[Family And Medical Leave Act]]></category>
		<category domain="http://resources.bnet.com/topic/depression.html"><![CDATA[Depression]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/sourcemedia.html"><![CDATA[SourceMedia]]></category>
		<category domain="http://resources.bnet.com/topic/recruitment+%2526+selection.html"><![CDATA[Recruitment & Selection]]></category>
		<category domain="http://resources.bnet.com/topic/workforce+management.html"><![CDATA[Workforce Management]]></category>
		<category domain="http://resources.bnet.com/topic/regulations.html"><![CDATA[Regulations]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/government.html"><![CDATA[Government]]></category>
	</item>
	<item>
		<title><![CDATA[Supplemental Insurance Spells Relief for Hard-Pressed Employers]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168433]]></link>
		<description><![CDATA[With the employer-subsidized benefits system strained as never before, supplemental insurance benefits offered on an employee-pay-all "voluntary" basis have emerged as a viable solution for deflating pressure on both society and the workplace. These products have evolved in recent years from a "supplemental" to "essential" tool designed to fill critical...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 07 Oct 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
	</item>
	<item>
		<title><![CDATA[LTCI Gaining Popularity Gaining Popularity Employee Benefit Employee]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168439]]></link>
		<description><![CDATA[With companies of all sizes looking to cost-effectively attract and retain valued employees, it makes sense to offer LTC insurance to employers to enhance their total benefit package. In fact, LTC insurance - both group GLTC and individual multi-life ILTC sold at the workplace - is one of the fastest...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 01 Feb 2005 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/employee+benefit.html"><![CDATA[Employee Benefit]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
	</item>
	<item>
		<title><![CDATA[Employers Have a Key Partner in Maximizing Health Management: Your Clients' Disability Insurer Can Play a Unique Role]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168395]]></link>
		<description><![CDATA[With health care costs still rising, employers continue to look for benefit plan solutions that meet employee needs while helping to control overall costs. Implementing an employee health-management program (such as disease management, behavioral health or employee wellness) as a benefit plan strategy has evolved to help combat this growing...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 01 Oct 2004 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/health+care.html"><![CDATA[Health Care]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/benefit+plan.html"><![CDATA[Benefit Plan]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/payroll+solutions.html"><![CDATA[Payroll Solutions]]></category>
		<category domain="http://resources.bnet.com/topic/vertical+industries.html"><![CDATA[Vertical Industries]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/enterprise+software.html"><![CDATA[Enterprise Software]]></category>
		<category domain="http://resources.bnet.com/topic/software.html"><![CDATA[Software]]></category>
	</item>
	<item>
		<title><![CDATA[Debunking Return-to-Work Myths Can Help Combat Rising Health Costs]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168445]]></link>
		<description><![CDATA[A UnumProvident study indicates that 10% of employees - those who file occupational or non-occupational disability claims - drive a full 55% of employee medical costs. This comes at a time when health insurance premiums are expected to increase an average of 13 to 15% this year, the steepest increase...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sat, 01 May 2004 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/health+care.html"><![CDATA[Health Care]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/healthcare.html"><![CDATA[Healthcare]]></category>
		<category domain="http://resources.bnet.com/topic/vertical+industries.html"><![CDATA[Vertical Industries]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/payroll+solutions.html"><![CDATA[Payroll Solutions]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/enterprise+software.html"><![CDATA[Enterprise Software]]></category>
		<category domain="http://resources.bnet.com/topic/software.html"><![CDATA[Software]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
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		<title><![CDATA[Applying Stop-Loss Principles to Group Long-Term Disability Plans: An Innovative Approach to Disability Risk Management and Benefits]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168417]]></link>
		<description><![CDATA[Employers are constantly challenged to find ways to provide valuable employee benefits without increasing costs to the company. With health care costs rising, the total value of benefits portfolios can be significantly affected. Increased premiums can leave little room for additional benefits in a highly competitive market. And having a...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sun, 01 Feb 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/health+care.html"><![CDATA[Health Care]]></category>
		<category domain="http://resources.bnet.com/topic/risk+management.html"><![CDATA[Risk Management]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/vertical+industries.html"><![CDATA[Vertical Industries]]></category>
		<category domain="http://resources.bnet.com/topic/healthcare.html"><![CDATA[Healthcare]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/enterprise+software.html"><![CDATA[Enterprise Software]]></category>
		<category domain="http://resources.bnet.com/topic/software.html"><![CDATA[Software]]></category>
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		<title><![CDATA[Selling Small Group Income Protection to Meet Growing Needs]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168401]]></link>
		<description><![CDATA[No matter what an employer's size, the main reason for offering income-protection benefit programs is the same - to attract and retain qualified employees. This reason carries special weight for small and mid-size employers. Relying on the skills of fewer people, small companies must find cost-effective ways to retain and...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 Jan 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/employer.html"><![CDATA[Employer]]></category>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
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