Hey guys, I'm new to the forum and am really excited to come across a community of passionate employee benefits producers. I wanted to get your opinion. I have been in the industry now for 5 years. Over the past 3 years I have really been getting pushed by some of the carriers I work with to offer voluntary worksite benefits to our groups. It seems like more carriers are offering critical illness, cancer, and accident plans. I know that you can make a quick buck selling these policies, but how do you see them fitting into the marketplace in a post reform environment, specifically in the 2-50 market (that's where most of my book is at)? With the individual and SHOP state/federal exchanges, do you think employees will continue to buy these benefits? How about through private exchanges? And with community rating, the increases in taxes/fees and large rate increases, do you think people will have disposable Income for these supplemental benefits? Thanks for your input...just wondering if this is a good use of my time! Steve