11.   But benefits of these two federal plans are more substantial in some ways than what most private employers offer, Behrend said.

12.   But comparison-shop if you need more supplemental coverage than your employer offers at no cost.

13.   But either employers do not offer health insurance or they force the employee to pay most of the premiums, which many workers cannot afford, he said.

14.   Check out the advice your employer offers.

15.   Congress made sweeping changes in Medicare, encouraging elderly people to enroll in health maintenance organizations and other health plans like those offered by employers.

16.   Considering that more and more employers are offering retirement plans in which employees pick mutual funds, early knowledge about the funds will prepare young people for the future.

17.   Consumer anxiety is further heightened when employers offer employees little, if any, choice in plans.

18.   Currently, employers usually offer a separate drug plan that covers all but a few dollars of an approved medication.

19.   During congressional testimony, Greenspan said the low U.S. unemployment rate may push wages and prices higher as employers offer better salaries to lure workers.

20.   Eleven employers now offer workers adult care advice through Family Care Choices.