September 12, 2016:
As of December 26, 2015 a new insurance law went into effect, which, among other things, now treats risk of death due to illness as a type of life insurance. This type of risk was previously considered group personal accident coverage, which was non-taxable. The change has caused this type of risk coverage to be treated as earnings, and is therefore now taxable.
There have been no changes in the market trends for employee benefits thus far in 2016.