DES MOINES, Iowa — With 2011 fast approaching, money matters are on the minds of Americans concerned about holiday spending in tough economic times, protecting financial safety nets and making the right employee benefit selections for the upcoming year.

According to ARAG®, one of the best ways to have peace of mind and a more secure future is to review financial needs, set clear objectives and put plans into action. “A good place to start is with one of the cornerstones of a solid financial plan: the employee benefits program where you work,” says Ann Dieleman, Senior Vice President at ARAG. “During open enrollment season — now underway — you get a chance to review your options and choose the benefits that are right for you.”

“It’s important to be an informed benefits shopper,” says Dieleman. “Spend the time necessary to fully evaluate your needs and your risk tolerance. Do your homework. Review benefit materials, participate in enrollment meetings and seek answers to questions you have about coverage. Also keep in mind that unless you experience a life-altering event, such as marriage, divorce or birth of a child, you may not be able to adjust coverage until the next enrollment cycle; so planning ahead is important.”

ARAG ( is a global leader of legal insurance. It empowers people to protect their families, finances and futures by offering meaningful relief for everyday legal and financial issues. With an international premium base of almost $2 billion, ARAG provides legal protection for more than 15.5 million individuals and their families — worldwide.

This press release was distributed through PR Web by Human Resources Marketer (HR Marketer: on behalf of the company listed above.