EXHIBIT 10.37

                              EMPLOYMENT AGREEMENT

      AGREEMENT dated as of March 25  1998  ("Commencement  Date) by and between
CareAdvantage, Inc. ("Company") and Elaine del Rossi ("Employee").

1. Employment.  Company agrees to employ Employee,  and Employee agrees to be so
employed,  in the capacity of Senior Vice  President  for Marketing and Sales at
the Company's  headquarters,  and shall have the duties customary to such office
and such  ancillary  and other  duties as the  Executive  Vice  President  shall
reasonably determine.

2. Time and Efforts.  Employee shall diligently and  conscientiously  devote her
full and exclusive time and attention and best efforts in discharging her duties
as Senior Vice President for Marketing and Sales.

3. Compensation.

      3.1 Salary.  Commencing upon the Commencement  Date, the Company shall pay
Employee  compensation  for her  services  at an annual rate of  $160,000.  This
amount shall be paid in bi-weekly  installments.  The Company  shall deduct from
all compensation due the Employee  applicable  payroll taxes,  withholding taxes
and other required amounts.

      3.2 One-time Bonus.  Upon  Employee's  commencement of employment with the
Company,  the Company  shall pay her a one-time  bonus of  $50,000.  The Company
shall deduct from the amount of this bonus applicable payroll taxes, withholding
taxes and other  required  amounts.  In the event (a)  Employee  terminates  her
employment with the Company prior to the first  anniversary of the  Commencement
Date,  and (b) at the time of her  termination  her efforts have not resulted in
new sales for the Company of at least $5 million with a Contribution  Margin (as
defined  herein) of at least $1.5  million,  Employee  shall  repay the  Company
$4,166 for each month (or major  portion  thereof)  the date of her  termination
precedes the anniversary of the Commencement Date.

      3.3  Commissions.  As additional  compensation,  the Company agrees to pay
Employee  sales  commissions  with respect to new contracts  resulting  from the
Employee's sales efforts in an amount equal to three and one-half (3.5%) percent
of the  Contribution  Margin for the first year such contracts remain in effect.
"Contribution  Margin"  shall mean with respect to any  contract the excess,  if
any, of the revenue  collected by the Company with respect to such contract over
the direct costs  incurred by the Company with  respect to such  contract.  (For
this  purpose,  direct  costs  shall  be  determined  under  generally  accepted
accounting principles,  consistently applied.) The Company shall pay commissions
due to the Employee monthly, with commissions on account of any month to be paid
the month  following  the  month in which the  Company  collects  revenues.  The
Employee  shall be entitled to  commissions on any bonus received by the Company
on  account  of the first  year of a  contract,  notwithstanding  the  Company's
receipt of such bonus after the first year of such  contract.  The Company shall
deduct  from  all  commissions  due  the  Employee   applicable  payroll  taxes,
withholding taxes and other required amounts.

      4. Bonus, Stock Options and Fringe Benefits. The Company shall provide the
Employee  with the bonus,  stock  options and fringe  benefits as  described  in
Exhibit A.

      5. Expense  Reimbursement.  The Company shall  reimburse  Employee for all
reasonable and necessary expenses incurred in carrying out her duties under this
Agreement.  Employee  shall present to the Company from time to time an itemized
account of such expenses in any form required by the Company.

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6. Term.  Except as otherwise  provided,  this Agreement shall be for a one-year
term  ending on the  anniversary  of the  Commencement  Date and shall renew for
successive  one-year  terms  unless  at  least  sixty  (60)  days  prior  to  an
anniversary of the Commencement Date either party gives notice to the contrary.

7. Termination Without Cause.

      (a) The Company may without cause  terminate this Agreement at any time by
notifying the Employee of such  termination.  In that event,  (i) Employee shall
receive  salary in  accordance  with Section 3.1 for the term of this  Agreement
that would have remained had the Company not  terminated  the Agreement  without
cause  (computed by assuming that the Company gives notice of non-renewal of the
Agreement pursuant to Section 6 on the date the Company notifies the Employee of
her  termination);  (ii) the  Employee  shall  have no  obligation  to repay the
one-time  bonus provided by Section 3.2; (iii) the Employee shall be entitled to
receive commissions  provided by Section 3.3 on account of sales closed prior to
her   termination;   and   (iv)   Section   5.1   of  the   agreement   entitled
"Confidentiality, Invention and Non-Compete Agreement" shall not apply after the
date of the Employee's termination.

      (b) The  Employee may without  cause  terminate  this  Agreement by giving
sixty (60) days'  written  notice to the  Company.  In such event,  the Employee
shall  continue to render her services and shall be paid salary and  commissions
in  accordance  with  Sections  3.1  and  3.3  respectively  up to the  date  of
termination.  Thereafter, (i) the Employee shall receive no salary under Section
3.1;  (ii) the  Employee  shall be obligated to repay the Company an amount with
respect to the  one-time  bonus in  accordance  with  Section 3.2; and (iii) the
Employee shall receive no commissions with respect to (A) revenues  received for
the month in which the date of termination occurs or thereafter,  or (B) bonuses
received for a period ending on or after the date of termination occurs.

8. Termination With Cause. The Company may for cause terminate this Agreement at
any time by notifying the Employee of such  termination  and the cause therefor,
which cause may include,  but not be limited,  to death and disability.  In such
event, Section 7 shall not apply, and the Employee shall receive no salary under
Section 3.1 after the date of termination; and, in the event such termination is
for a reason other than death or disability, (i) the Employee shall be obligated
to repay  the  one-time  bonus in  accordance  with  Section  3.2;  and (ii) the
Employee shall receive no commissions with respect to (A) revenues  received for
the month in which the date of termination occurs or thereafter,  or (B) bonuses
received for a period ending on or after the date of termination occurs.

9. Confidentiality, Invention and Non-Compete Agreement. Simultaneously with the
execution of this  Agreement,  the parties shall execute the agreement  entitled
"Confidentiality, Invention and Non-Compete Agreement."

10. Notices.  All notices required or permitted to be given under this Agreement
shall be given by certified mail,  return receipt  requested,  to the parties at
the  following  addresses or to such other  addresses as either may designate in
writing to the other party.

         If to Company:

                  Executive Vice President
                  CareAdvantage, Inc.
                  485-C Route 1 South
                  Iselin, New Jersey 08830

         If to Employee:

                  26 Viewpoint Lane
                  Levittown, Pennsylvania 19054


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11.  Governing Law. This Agreement shall be construed and enforced in accordance
with the laws of the state of New Jersey.

12.  Amendments.  This Agreement may be amended only in writing,  signed by both
parties.

13.  Non-Waiver.  A delay or failure by either  party to  exercise a right under
this  Agreement,  or a  partial  or single  exercise  of that  right,  shall not
constitute a waiver of that or any other right.

14. Binding  Effect.  The provisions of this Agreement shall be binding upon and
inure to the  benefit  of both  parties  and  their  respective  successors  and
assigns.

      IN WITNESS WHEREOF,  Company has by its appropriate  officers,  signed and
affixed its seal and Employee has signed and sealed this Agreement.

CAREADVANTAGE, INC.                              ELAINE DEL ROSSI

By: ____________________________                 _______________________________


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                                                                       EXHIBIT A

                    BONUS, STOCK OPTIONS AND FRINGE BENEFITS

1. Bonus.  The Employee  shall  participate  in the Company's  Management  Bonus
Program,  which provides that in the event Employee and the Company meet targets
specified by the Board of Directors (or an appropriate  committee thereof),  the
Employee  shall be entitled to a bonus in such amount as the Board of  Directors
(or an appropriate committee thereof) may determine in its sole discretion.

2. Stock Options. The Employee shall be granted stock options in the Company, in
such  amounts  and on such  terms  and  conditions  as the  Company's  Board  of
Directors  (or an  appropriate  committee  thereof)  may  determine  in its sole
discretion.

3. Fringe  Benefits.  The  Employee  shall be entitled to the  following  fringe
benefits:

      (a) vacation leave in the amount of 20 days per year, accruing at the rate
of 1.67 days per month;

      (b) other leave (sick leave,  personal  time,  and holidays) in the amount
and on the same terms and  conditions  as  provided  to other  employees  of the
Company;

      (c) medical insurance,  life insurance, and participation in the Company's
401(k) plan on the same terms and  conditions as these  benefits are provided to
other employees of the Company;

      (d)  disability  insurance  (long- and  short-term)  on the same terms and
conditions as provided to senior management of the Company; and

      (e) an allowance of $600 per month for the lease of an automobile.


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