Unions, employers, and benefits administrators all want to deliver the most value to members as efficiently and effectively as possible. Beneficiaries certainly want easy-to-use, real-time, self-service solutions to answer questions and help them navigate health and wealth benefits. Save money. Improve efficiency. You would think these reasons would be incentives enough to get people excited about their benefits. Unfortunately, they are not enough. Today’s consumer values safety, convenience, choice, outcomes, and service, and they prefer to do it digitally. In fact, “84% of members agree that if a transaction can be done digitally, that’s how they want to do it.”