<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Steve Harris, CEBS</title>
	<atom:link href="http://www.benefitu.net/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.benefitu.net</link>
	<description>Husband, Dad, Benefits Ninja, Cyclist, Swimmer</description>
	<lastBuildDate>Thu, 01 Nov 2018 13:27:11 +0000</lastBuildDate>
	<language>en-US</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>https://wordpress.org/?v=4.9.8</generator>
	<item>
		<title>Certificates of Insurance: What Are Your Clients Really Asking?</title>
		<link>https://www.holmesmurphy.com/2018/11/certificates-of-insurance-what-are-your-clients-really-asking/</link>
		<comments>https://www.holmesmurphy.com/2018/11/certificates-of-insurance-what-are-your-clients-really-asking/#respond</comments>
		<pubDate>Thu, 01 Nov 2018 13:27:11 +0000</pubDate>
		<dc:creator><![CDATA[Reid Just]]></dc:creator>
				<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[certificates of insurance]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>
		<category><![CDATA[Holmes Murphy]]></category>
		<category><![CDATA[Property Casualty]]></category>
		<category><![CDATA[reid just]]></category>

		<guid isPermaLink="false">http://www.holmesmurphy.com/?p=7107</guid>
		<description><![CDATA[<p>Let&#8217;s start with a question. For those of you in the Architect and Engineer world, does this look familiar? &#8220;ABC Company and...</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/11/certificates-of-insurance-what-are-your-clients-really-asking/">Certificates of Insurance: What Are Your Clients Really Asking?</a> appeared first on <a rel="nofollow" href="https://www.holmesmurphy.com/">Holmes Murphy</a>.</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/11/certificates-of-insurance-what-are-your-clients-really-asking/">Certificates of Insurance: What Are Your Clients Really Asking?</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>https://www.holmesmurphy.com/2018/11/certificates-of-insurance-what-are-your-clients-really-asking/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
		<item>
		<title>If You Have to Ask, You Probably Can’t Afford It</title>
		<link>https://www.holmesmurphy.com/2018/10/high-prescription-drug-costs/</link>
		<comments>https://www.holmesmurphy.com/2018/10/high-prescription-drug-costs/#respond</comments>
		<pubDate>Mon, 29 Oct 2018 13:55:27 +0000</pubDate>
		<dc:creator><![CDATA[Travis Dent]]></dc:creator>
				<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>
		<category><![CDATA[Holmes Murphy]]></category>
		<category><![CDATA[prescription drug costs]]></category>
		<category><![CDATA[travis dent]]></category>

		<guid isPermaLink="false">http://www.holmesmurphy.com/?p=7084</guid>
		<description><![CDATA[<p>&#8220;If you have to ask, you probably can&#8217;t afford it.&#8221; This phrase, commonly attributed to J.P. Morgan, famous as an American financier...</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/high-prescription-drug-costs/">If You Have to Ask, You Probably Can&#8217;t Afford It</a> appeared first on <a rel="nofollow" href="https://www.holmesmurphy.com/">Holmes Murphy</a>.</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/high-prescription-drug-costs/">If You Have to Ask, You Probably Can’t Afford It</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>https://www.holmesmurphy.com/2018/10/high-prescription-drug-costs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
		<item>
		<title>Rocket Booster Fuel</title>
		<link>https://www.holmesmurphy.com/2018/10/rocket-booster-fuel/</link>
		<comments>https://www.holmesmurphy.com/2018/10/rocket-booster-fuel/#respond</comments>
		<pubDate>Thu, 25 Oct 2018 14:15:22 +0000</pubDate>
		<dc:creator><![CDATA[Kendall Ramirez]]></dc:creator>
				<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>

		<guid isPermaLink="false">http://www.holmesmurphy.com/?p=7068</guid>
		<description><![CDATA[<p>Are you a rocket booster? As I mentioned in my last post &#8220;The Shalane Effect&#8221;, in competitive sports, business, and life in...</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/rocket-booster-fuel/">Rocket Booster Fuel</a> appeared first on <a rel="nofollow" href="https://www.holmesmurphy.com/">Holmes Murphy</a>.</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/rocket-booster-fuel/">Rocket Booster Fuel</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>https://www.holmesmurphy.com/2018/10/rocket-booster-fuel/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
		<item>
		<title>‘What’s In It For Me?’</title>
		<link>https://www.holmesmurphy.com/2018/10/whats-in-it-for-me-open-enrollment-communication/</link>
		<comments>https://www.holmesmurphy.com/2018/10/whats-in-it-for-me-open-enrollment-communication/#respond</comments>
		<pubDate>Mon, 22 Oct 2018 15:00:54 +0000</pubDate>
		<dc:creator><![CDATA[Mark Fitzgibbons]]></dc:creator>
				<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>
		<category><![CDATA[Holmes Murphy]]></category>
		<category><![CDATA[mark fitzgibbons]]></category>
		<category><![CDATA[open enrollment communication]]></category>

		<guid isPermaLink="false">http://www.holmesmurphy.com/?p=7024</guid>
		<description><![CDATA[<p>It&#8217;s the most wonderful time of the year! No, not pumpkin spice latte season &#8212; benefits open enrollment season! If you&#8217;re responsible...</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/whats-in-it-for-me-open-enrollment-communication/">&#8216;What&#8217;s In It For Me?&#8217;</a> appeared first on <a rel="nofollow" href="https://www.holmesmurphy.com/">Holmes Murphy</a>.</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/whats-in-it-for-me-open-enrollment-communication/">‘What’s In It For Me?’</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>https://www.holmesmurphy.com/2018/10/whats-in-it-for-me-open-enrollment-communication/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
		<item>
		<title>Are You in the ‘I Care’ Pool?</title>
		<link>https://www.holmesmurphy.com/2018/10/are-you-in-the-i-care-insurance-pool/</link>
		<comments>https://www.holmesmurphy.com/2018/10/are-you-in-the-i-care-insurance-pool/#respond</comments>
		<pubDate>Thu, 18 Oct 2018 14:33:43 +0000</pubDate>
		<dc:creator><![CDATA[Jen Kivlin]]></dc:creator>
				<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>
		<category><![CDATA[Holmes Murphy]]></category>
		<category><![CDATA[insurance pool]]></category>
		<category><![CDATA[jen kivlin]]></category>

		<guid isPermaLink="false">http://www.holmesmurphy.com/?p=7018</guid>
		<description><![CDATA[<p>Care to guess what the most complicated consumer industry in the world is? If you guessed &#8220;healthcare,&#8221; you&#8217;d be correct. Add to...</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/are-you-in-the-i-care-insurance-pool/">Are You in the &#8216;I Care&#8217; Pool?</a> appeared first on <a rel="nofollow" href="https://www.holmesmurphy.com/">Holmes Murphy</a>.</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/are-you-in-the-i-care-insurance-pool/">Are You in the ‘I Care’ Pool?</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>https://www.holmesmurphy.com/2018/10/are-you-in-the-i-care-insurance-pool/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
		<item>
		<title>A Birds-Eye View of the Top Challenges Facing the Senior Living Community</title>
		<link>https://www.holmesmurphy.com/2018/10/senior-living-trends/</link>
		<comments>https://www.holmesmurphy.com/2018/10/senior-living-trends/#respond</comments>
		<pubDate>Mon, 15 Oct 2018 16:45:31 +0000</pubDate>
		<dc:creator><![CDATA[Harold Kavan]]></dc:creator>
				<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[Harold Kavan]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>
		<category><![CDATA[Holmes Murphy]]></category>
		<category><![CDATA[Property Casualty]]></category>
		<category><![CDATA[senior living trends]]></category>

		<guid isPermaLink="false">http://www.holmesmurphy.com/?p=6993</guid>
		<description><![CDATA[<p>Before I dive directly into the main topic of this blog, I want to reveal an eye-opening stat, as I think it...</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/senior-living-trends/">A Birds-Eye View of the Top Challenges Facing the Senior Living Community</a> appeared first on <a rel="nofollow" href="https://www.holmesmurphy.com/">Holmes Murphy</a>.</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/senior-living-trends/">A Birds-Eye View of the Top Challenges Facing the Senior Living Community</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>https://www.holmesmurphy.com/2018/10/senior-living-trends/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
		<item>
		<title>B.I. — Two Letters, Multiple Headaches</title>
		<link>https://www.holmesmurphy.com/2018/10/business-income-coverage/</link>
		<comments>https://www.holmesmurphy.com/2018/10/business-income-coverage/#respond</comments>
		<pubDate>Thu, 11 Oct 2018 14:13:05 +0000</pubDate>
		<dc:creator><![CDATA[Rod Miner]]></dc:creator>
				<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[business income coverage]]></category>
		<category><![CDATA[business interruption]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>
		<category><![CDATA[Holmes Murphy]]></category>
		<category><![CDATA[Property Casualty]]></category>
		<category><![CDATA[rod miner]]></category>

		<guid isPermaLink="false">http://www.holmesmurphy.com/?p=6976</guid>
		<description><![CDATA[<p>In the Property Casualty claim world, B.I. is a costly and often frustrating acronym. It means one of two things. Either &#8220;bodily...</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/business-income-coverage/">B.I. &#8212; Two Letters, Multiple Headaches</a> appeared first on <a rel="nofollow" href="https://www.holmesmurphy.com/">Holmes Murphy</a>.</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/business-income-coverage/">B.I. — Two Letters, Multiple Headaches</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>https://www.holmesmurphy.com/2018/10/business-income-coverage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
		<item>
		<title>Association Health Plans and Short Term Health Plans: In Search of Good Risk</title>
		<link>https://www.holmesmurphy.com/2018/10/short-term-health-plans/</link>
		<comments>https://www.holmesmurphy.com/2018/10/short-term-health-plans/#respond</comments>
		<pubDate>Mon, 08 Oct 2018 13:52:29 +0000</pubDate>
		<dc:creator><![CDATA[Ed Oleksiak]]></dc:creator>
				<category><![CDATA[association health plans]]></category>
		<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[ed oleksiak]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>
		<category><![CDATA[Holmes Murphy]]></category>
		<category><![CDATA[short term health plans]]></category>
		<category><![CDATA[ACA]]></category>

		<guid isPermaLink="false">http://www.holmesmurphy.com/?p=6870</guid>
		<description><![CDATA[<p>President Trump issued an executive order last year to offer Association Health Plans (AHPs) and Short Term Health Plans (STHPs) to expand...</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/short-term-health-plans/">Association Health Plans and Short Term Health Plans: In Search of Good Risk</a> appeared first on <a rel="nofollow" href="https://www.holmesmurphy.com/">Holmes Murphy</a>.</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/short-term-health-plans/">Association Health Plans and Short Term Health Plans: In Search of Good Risk</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>https://www.holmesmurphy.com/2018/10/short-term-health-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
		<item>
		<title>Is It Time to Rebalance Your PA Portfolio?</title>
		<link>https://www.holmesmurphy.com/2018/10/physical-activity-portfolio/</link>
		<comments>https://www.holmesmurphy.com/2018/10/physical-activity-portfolio/#respond</comments>
		<pubDate>Thu, 04 Oct 2018 13:45:44 +0000</pubDate>
		<dc:creator><![CDATA[Todd Whitthorne]]></dc:creator>
				<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>
		<category><![CDATA[Holmes Murphy]]></category>
		<category><![CDATA[physical activity portfolio]]></category>
		<category><![CDATA[Todd Whitthorne]]></category>

		<guid isPermaLink="false">http://www.holmesmurphy.com/?p=6847</guid>
		<description><![CDATA[<p>Your first question is probably: &#8220;What in the heck is &#8216;PA&#8217;?&#8221; In research publications, for simplicity, PA stands for physical activity. PA...</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/physical-activity-portfolio/">Is It Time to Rebalance Your PA Portfolio?</a> appeared first on <a rel="nofollow" href="https://www.holmesmurphy.com/">Holmes Murphy</a>.</p>
<p>The post <a rel="nofollow" href="https://www.holmesmurphy.com/2018/10/physical-activity-portfolio/">Is It Time to Rebalance Your PA Portfolio?</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>https://www.holmesmurphy.com/2018/10/physical-activity-portfolio/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
		<item>
		<title>“Time” is Not the Problem!</title>
		<link>http://toddwhitthorne.com/time-is-not-the-problem/</link>
		<comments>http://toddwhitthorne.com/time-is-not-the-problem/#respond</comments>
		<pubDate>Tue, 02 Oct 2018 08:14:26 +0000</pubDate>
		<dc:creator><![CDATA[Todd Whitthorne]]></dc:creator>
				<category><![CDATA[Benefits Compliance]]></category>
		<category><![CDATA[Fitness]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[Health Reform]]></category>

		<guid isPermaLink="false">http://toddwhitthorne.com/?p=266</guid>
		<description><![CDATA[<p>I love having &#8220;what if&#8221; discussions with my good friend and colleague, Tim Church...</p>
<p>The post <a rel="nofollow" href="http://toddwhitthorne.com/time-is-not-the-problem/">“Time” is Not the Problem!</a> appeared first on <a rel="nofollow" href="http://www.benefitu.net">Steve Harris, CEBS</a>.</p>
]]></description>
		<wfw:commentRss>http://toddwhitthorne.com/time-is-not-the-problem/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="0" type="" />
		</item>
	</channel>
</rss>
