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In today's highly competitive environment, many employees struggle to balance the increasingly complex demands of work and personal lives. In fact, in any given year, 15-20% of a work force experiences personal problems. If left unresolved, these everyday problems may lead to diminished personal well-being and compromised job performance. The Insight Employee and Family Assistance Programs/Assessment and Resource Services (EFAP/ARS) are an integral non-profit component of progressive employee benefits programs. The ARS is committed to providing direct and immediate access to trained counsellors who can assist employees and their families to address issues before personal, family or work life is seriously affected.