Human Resources committee  Yes, I have seen a bit of a trend in that regard, but I think the cost of health care is a bit overblown, because disability insurance policies typically end at age 65. So that falls off the radar right off the bat, which is probably one of the more costly of the group benefits a

Human Resources committee  Thank you, Sir. First of all, I want to thank you for inviting me here today, because in my practice I act for both employers and employees and so I see this issue from both sides of the table. I believe that navigating the transition to an older workforce will become the domina