Americans spend less time reviewing their employee benefits than managing their taxes and preparing for the holidays, according to a survey conducted by The Guardian Life Insurance Company. Almost half of workers spend either no time or less than an hour per year reviewing their benefits, and the company says this lead to over-confidence and widespread confusion about workplace coverage. The study shows that many do not understand the basic advantages of group products such as relaxed underwriting requirements, and mistakenly believe they know the difference between group and individual coverage.