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U.S. life insurance company Northwestern Mutual (NM) has released its 2017 Planning & Progress Study, which pinpoints healthcare costs as the biggest obstacle to attaining financial security in retirement for Americans. In fact, there has been a significant increase in the number of Americans citing healthcare costs as their chief concerns (from 45% in 2016 to 58% in 2017). Lack of savings (44%) and uncertainty over Social Security (31%)

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Home to Afghanistan, Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan, and Sri Lanka, South Asia is one of the most dynamic regions in the world, with a population of 1.67 billion people and economic growth of 7.1 percent over the last decade, according to the World Bank. With growth topping 6.9 percent in 2018 and set to accelerate to 7.1 percent this year, South Asia is firming up its position as the world’s fastest-growing region, further extending its lead over East Asia and the Pacific, according to a World Bank regional economic update.

The Indian employee benefits landscape has undergone rapid and dramatic transformation over the past two decades, hastened by economic growth, amendments to and increases in statutory benefits, new benefits paradigms introduced by Multinational Corporations (MNCs), and legislative and judiciary action. Employee Benefits stakeholders, in order to keep up with the times, must continue to evolve their benefits offerings to ensure compliance as well as competitiveness.

A kidnapper’s phone call announcing that a family member or employee has been abducted is the stuff of nightmares – as is the eye-watering ransom demand that often accompanies this news. How should you respond?Most kidnappings take place in countries where governments are weak and territory is disputed. Without a police force able to help, you will need to negotiate to get your loved one back. So, what is the “right” price for their life?

Light is important for more than just vision. Tackling circadian rhythm disruption is crucial to increasing productivity in the workplace. Thanks to extensive scientific research, we now know that light is one of the main factors controlling our circadian rhythm, the natural body clock that regulates our energy levels and the quality of our sleep. Light stimulates the production of sleep and energy hormones, and is the biggest influencer of our sleep quality, productivity and well-being.
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