Speaking for the Council of Insurance Agents & Brokers, an insurance broker says certain provisions of the healthcare-reform law are raising healthcare costs, creating uncertainty among employers, and costing agents and brokers industry jobs

Times are undeniably tough for American workers. Stagnant wages, brutal commutes and the nagging fear that they may at any time join the tens of millions of their compatriots searching for employment.

A changing workforce, rapidly evolving technology and medical-cost-containment issues are the biggest challenges, and opportunities, that will face the workers comp market as it enters its second century.

While it’s important to celebrate the centennial of the workers’ compensation system, I’d be remiss in not considering the considerable challenges facing insurers and risk managers in the years and decades to come.