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Benefits management beyond the adding machine: using integrated, worker-specific analysis.

Modern employee benefits practices have not taken advantage of modern information technology largely because of an implicit reliance on "adding machine" approaches to health care benefits. This article argues that an integrated, worker-specific approach to benefits management is needed in a modern benefits environment. Quantitative illustrations of the integrated approach are provided in terms of a benefits Pareto analysis. The empirical results presented suggest that human resource/risk management practices can have a significant impact on worker benefits costs.