In February this year, we launched our discussion paper “2045: the future of work – the changing face of employee benefits” looking at how employee benefits (EB) may change over the next 25 years, based on the trends we were seeing in the industry and the world of work. Just a few months on, the changes that we suggested might take decades are already happening because of the COVID-19 pandemic. The rate of change happening in the global EB industry, such as the delivery of digital benefits solutions and virtual healthcare provision, has accelerated beyond anything that could have been predicted at the start of the year.