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Seasonal flu is not only unpleasant for employers and employees, it's expensive.

Each flu season, nearly 111 million workdays are lost because of the flu, the US Department of Health & Human Services has found.

From smartphone apps to television schedules, it seems everything today can be customized to fit the needs of individuals.

The need for customization extends beyond technology and media into the workplace -- employees want to tailor their benefits packages to better fit their needs. In a 2014 study conducted by LIMRA, seven in 10 employers surveyed said they offer voluntary benefits to improve morale for existing employees and to attract new talent.

The following are some of the key requirements of the Act.

The social costs associated with the growth in work hours and persistent overtime are particularly worrisome when the long hours are involuntary.

Voluntary benefits are insurance products employees can elect to add to their plans to fill gaps in health insurance to meet their needs.

Voluntary benefits are offered by employers but are paid completely or mostly by employees through payroll deferral.

That represents approximately billion per year in sick days and lost productivity.

It's no wonder that some companies are considering requiring that employees get a flu vaccine every flu season.

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