Solve the equation by completing the square. 
Definitions:
Workers' Compensation
Insurance that provides wage replacement and medical benefits to employees injured in the course of employment.
Insurance Premium
The amount of money that an individual or business must pay for an insurance policy.
Chronic Problems
Persistent and long-standing issues that resist resolution and continue to affect an individual, group, or system over time.
Life-Cycle Benefit
A benefit program that adapts to the changing needs of employees throughout different stages of their life and career.
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