Benefits decision-support tools are looking more like science fiction every day. But this isn’t fiction and competition for talent is fierce. Benefits and the programs that make them available make a difference for everything from recruiting and onboarding to employee engagement.

I have always been a science fiction fan. I was born when Kennedy was president, and space flight, robots and the rest were part of the zeitgeist. Needless to say, the bright, shiny future promised hasn't really materialized. No Mars colonies, no robot friends. Naturally, I feel a bit cheated.

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