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SOMETIMES, THE BEST INCENTIVES are the things that employees need, not the things they want. Meridian Health, a leading hospital system in central New Jersey, has created WIN (When In Need), an emergency fund to assist employees during crises, from fires to foreclosures.When one employee's home burned, she was given security money for a new apartment. Another employee who was going to have her gas turned off in the midst of a financial crisis got money to keep it on.

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