Ronald S. Leopold MD MBA MPH.
|
|
- Rosamund Felicia Allen
- 8 years ago
- Views:
Transcription
1 Ronald S. Leopold MD MBA MPH
2 Introduction Study of Employee Benefits Trends Methodology Qualitative research conducted with employees by generation in Atlanta, Chicago and New York Quantitative research conducted in Q Two distinct surveys fielded by GFK Custom Research North America The employer survey comprised 1,519 interviews with benefits decision-makers at companies The employee sample comprised 1,412 interviews with full-time employees age 21 and over
3 What a difference a decade makes 2002 Robust economy Boomer exodus: Retirement age 65 if not sooner Spiraling health care costs Health and wellness in leading-edge companies 2012 Postrecession headwinds Postrecession headwinds Delayed retirement: Beyond 70 if at all Spiraling health care costs.. and health care reform Health and wellness embraced in more and smaller companies
4 What a difference a decade makes 2002 Concept of financial wellness was relatively unknown Voluntary benefits are a cottage industry The business power of the internet was relatively untapped What s a millennial? 2012 Postrecession headwinds More employers see the link between financial wellness and productivity Employee-paid options are gaining traction as companies look to offset benefit budget challenges We can do things with technology we couldn t have imagined ten years ago Generation Y is redefining what benefits will mean in the coming decade
5 Then and now 2002 Employers look to benefits to drive employee retention and attraction, and worker productivity Satisfaction with benefits correlates with job satisfaction and employee loyalty Choose a job based on compensation Postrecession headwinds Employers look to benefits to drive employee retention and attraction, and worker productivity Satisfaction with benefits increasingly DRIVE job satisfaction and employee loyalty Benefits factor strongly in employee decisions to join a company or remain with their current one
6 Seeing Opportunity for Benefits to Drive Business Goals The ongoing financial crisis has brought about a complex web of global economic and business challenges in which employers continue to struggle. Yet employers are not retreating from their workplace benefits commitments.
7 Employers intend to sustain coverage levels
8 Employers intend to sustain the number of benefits
9 Do tough times create an opportunity for benefits? Many employers say yes. Current economic conditions create opportunity for benefits to improve employee attraction, retention and productivity because employees will become increasingly dependent on their company benefits. Employers Agree 60% Employers do not agree 40%
10 Do tough times create an opportunity for benefits? Many employers say yes. Employers who see the opportunity are identified as PROGRESSIVES for their optimistic ability to see opportunity for benefits to drive business goals in difficult economic conditions. PROGRESSIVES 60% Employers who did not acknowledge seeing this opportunity are identified as STANDARDS. STANDARDS 40%
11 Progressives are not limited to large companies No significant regional variations In all major industry sectors, Progressives accounted for at least half of employer respondents
12 Progressive employers see a greater role for benefits in attracting and retaining employees Employers who strongly agree that they benefits they offer Are a very important reason employees remain with them Progressives Standards 20% 52% Are a very important reason employees choose to work for them Progressives Standards 18% 43%
13 Employees are re-setting expectations for the future The October 2008 recession has caused employees of all ages to re-adjust their hopes and plans for achieving financial security. And that includes benefits. I m counting on the benefits always because it s kind of like part of your compensation... -Gen X The employer used to pick up most of the tab but now I contribute significantly to my benefits package, out of my own pocket, due to rising cost. - Gen X
14 Employees are behind in achieving financial security 54% 65% 66% Percentages have been rounded to the nearest whole number
15 Everyday Financial Concerns Weigh On Many Employees Employees indicate they are very concerned about Having enough money to pay bills during a period of sudden income loss Having enough money to make ends meet Having appropriate health insurance for themselves and their family Having job security 60% 49% 47% 46% I was in great shape, and then all that [the recession] hit, and I took a nose dive on a lot of things personally, professionally a lot of things hit. Younger Boomer Paying off a mortgage 44% Having the resources and time to care for aging parents or relatives 37% L [exp0513][All States][DC] 15
16 Delayed retirement for many employees 35% 50% 46% 52% of Boomers plan to postpone retirement as a result of the current economic conditions of employees are concerned about outliving their retirement money Of employees expect to have to continue to work through retirement years Of employees worry about having enough steady income in retirement to meet expenses I was going to be able to retire at 62, now it looks about like I m going to have to live [work] until I m 90 Seriously, 62 was originally my goal and 65 was you know, if I had to, but now, yeah, 70, 72 - Younger Boomer
17 Identifying Opportunity to Engage Employees in the Benefits Discussion A Strong Connection Continues Between Benefits Satisfaction, Employee Loyalty and Job Satisfaction
18 And the loyalty gap widens A gap in employee-employer perceptions of company loyalty towards employees not only persists but grows larger
19 Employer Loyalty at a Seven-Year Low Measures of absolute loyalty continue to decline and now reach a seven-year low L [exp0513][All States][DC] 19
20 Out the Door More than one in three employees reported that if it is their choice they hope to be working for a different employer this year There s not as much loyalty as there once was. People used to work for companies for 20, 30 years and that was their job, one job for life. Now, if you stay for two years, it s a long time. - Older Boomer L [exp0513][All States][DC] 20
21 Employee loyalty is linked to satisfaction with benefits I took my job at less wages for more benefits, I switched positions because I thought the benefits outweighed the income Because it s a security blanket, that s more important than the almighty buck. Older Boomer
22 Connection between benefits satisfaction, employee loyalty and job satisfaction Employees who are very satisfied with benefits are nearly three times as likely to say they are very satisfied with their jobs and are also less likely to plan to leave. I m counting on the benefits always because it s kind of like part of your compensation... -Gen X
23 Employees still underestimate the power of many benefits I would say decent insurance, life insurance, health insurance. Those things are the core of myfinancial happiness. - Gen X
24 This year, employees are counting on benefits Economic realities are driving employees to more fully appreciate the coverages that employers provide as an indispensable ingredient for achieving short and long term financial security Employees who say that because of the economy, they are counting on their employer to help them achieve financial protection through a range of benefits.. 49% 49%
25 Expanding Opportunity for Income Protection and Financial Security Concern about Government Shortfalls Creates Greater Dependence on Employee Benefits
26 Generational views on Social Security I think it s going to be there. I think the question is how long is it going to be there and how much will it be. -Older Boomer I certainly know now I ll be able to depend on it [Social Security] a lot LESS than I thought I would. Younger Boomer I just don t think it s [Social Security] going to be an option for us I m accepting It would be an added bonus if it was there. Gen X I m really not anticipating anything from the government when I retire. Gen Y L [exp0513][All States][DC] 26
27 Employees accept responsibility but expect help 63% 55% of employees strongly agree that a reduction in Social Security and/or Medicare benefits will require them to become more responsible than ever for creating a financially secure retirement of employees also believe their employer should at least maintain their current retirement benefits if government programs are reduced I need to do more as an individual we have the traditional ways that we used to look at our financial wellbeing package as an individual, I need to take better stock in what I m doing Gen Y
28 Employers recognize this dependence Employers who agree that potential reductions to Social Security and Medicare will make employees increasingly dependent on the retirement benefits their company offers. 75% Why I feel somewhat insecure the uncertainty of the economy down the road and whether or not what I will be getting from social security or retirement would be enough to cover the rise of expenses and the cost of living and that kind of thing. Older Boomer
29 Wellness Programs Have Grown Significantly
30 Health and Wellness: Financial Wellness Workplace wellness is about driving better health. Health insurance is not necessarily health assurance. There is a business value to a healthier working population: 1) Lower medical costs; 2) Improved productivity The great recession has wrought an epidemic of financial illness. Financial insecurity takes its toll on worker productivity, as well as worker morbidity. L [exp0513][All States][DC] 30
31 What do employers gain from a financially secure workforce? A financially secure workforce is more likely to be productive and more likely to demonstrate loyalty Financial insecurity is a productivity cost for companies. Financial concerns are a factor behind absences and distraction during work hours - especially for younger workers I ve taken unexpected time off or taken more time than I think I should at work to deal with personal financial issues.
32 An emerging view of an employer-employee partnership for achieving financial security 46% of employers feel that the burden of financial security depends on employees individual savings efforts 13% believe that employees financial security is dependent upon employer-provided benefits 30% 32% perceive a partnership of individual savings AND employerprovided benefits
33 Workplace financial education programs can make an impact Those who attend financial education programs report greater financial confidence and control 72% of employees express interest in a range of financial education opportunities in the workplace
34 Gen Y and Gen X have a stronger appetite for financial education in the workplace
35 Realizing the Generational Opportunity in the Post-Recession Workforce Younger generations are now looking to the benefits they get at work much differently than previous generations traditionally did at the same age.
36 Generations: What a difference a decade makes 2002 Older Boomers were eyeing early retirement Younger Boomers were entering their prime earning years Gen X was just starting to get serious at work Gen Y was in high school 2012 Postrecession headwinds Older Boomers are delaying retirement I was closer to retirement at age 40, than I am at age 50 Gen X is in the thick of balancing work and life Gen Y faces greater financial challenges than previous generations
37 Who are you today? Working Americans were at different stages in their lives and careers when the Great Recession impacted them. Gen Y Gen X Younger Boomers Older Boomers (b ) (b ) (b ) (b ) yo 31-47yo yo yo Nearly everyone has been affected by the recession but it is harder for younger workers.
38 The Recession Defines a New Generational Outlook Economic conditions are driving fundamental differences in younger workers attitudes toward: employee benefits financial decision-making career planning job satisfaction loyalty to employers I had the opportunity to buy a house That was an American dream Our kids won t have that going forward The American dream is not there anymore for the future generation. - Older Boomer L [exp0513][All States][DC] 38
39 Younger workers are turning to employers for help in an adverse economy
40 Younger workers actually value benefits more than older workers do The amount of salary that you get versus the amount of benefits that dynamic has changed a lot. You might take a job with less salary and have a better benefit package. You might consider that as a better move in this market. -Gen X
41 Benefits are a powerful draw for younger employees I wouldn t accept a job if I wasn t offered benefits and if they didn t help pay a good portion of the benefits -Gen Y
42 Younger workers have more concerns
43 Younger generations want greater choice in benefits Employees especially younger generations are interested in having their employer provide a wider array of voluntary benefits
44 Gen Y has a strong interest in voluntary benefits Disability insurance
45 Employers recognize a growing role for voluntary benefits Employers agree that in the next five years employee-paid benefits will become a more important strategy than they are today. 62%
46 Voluntary Benefits Are Growing in Strategic Importance Across All Sizes of Companies
47 Reasons Why Employers Offer Voluntary Benefits
48 Looking forward a revitalized role for benefits Progressive employers point the way forward because they Recognize a revitalized role for benefits in the post-recession economy based on the greater dependence of their workers especially younger workers Demonstrate appropriate strategies to drive loyalty and realize greater return on investment Understand that younger workers are ready to take control of their financial futures and value benefits at an earlier age than preceding generations Partner with their employees to help them achieve financial security and in turn drive retention and productivity
49 Metropolitan Life Insurance Company 200 Park Avenue, New York, NY L (0503) ][All States]
Findings from the 9 th Annual MetLife S tudy of Employee Benefits Trends A Blueprint for the New Benefits Economy
UFS Findings from the 9 th Annual MetLife S tudy of Employee Benefits Trends A Blueprint for the New Benefits Economy Ronald Leopold, MD, MBA, MPH National Medical Director, Vice President MetLife U.S.
More information10 th Annual Study of Employee Benefits Trends
10 th Annual Study of Employee Benefits Trends Seeing Opportunity in Shifting Tides 10th Annual MetLife Study of Employee Benefits Trends A pessimist sees the difficulty in every opportunity; an optimist
More informationSun Life Canadian UnretirementTM
Sun Life Canadian UnretirementTM Index 2013 Canadian Unretirement Index Report Life s brighter under the sun Table of contents Five years of the Canadian Unretirement Index 2 Section 1: A late retirement
More informationBENEFITS BREAKTHROUGH
Insights from MetLife s 12th Annual U.S. Employee Benefit Trends Study BENEFITS BREAKTHROUGH How Employees and Their Employers are Navigating an Evolving Environment BENEFITS BREAKTHROUGH: HOW EMPLOYEES
More informationStudy of International Employee Benefits Trends. Australia
Study of International Employee Benefits Trends Australia From its core to its outer edges a flower s petals transition from tight and unyielding to open and inviting. So goes the current state of global
More informationInsights and easy action steps that can help enhance your benefits strategy
New research reveals why value extends beyond employees: accident and critical illness insurance are surprisingly good for business! Insights and easy action steps that can help enhance your benefits strategy
More information8TH annual. Study of Employee Benefits Trends. Findings from the National Survey of Employers and Employees
8TH annual Study of Employee Benefits Trends Findings from the National Survey of Employers and Employees Throughout the day the birch bark is transformed by the shifting light revealing stunning new patterns.
More informationStudy of International Employee Benefits Trends. United Kingdom
Study of International Employee Benefits Trends United Kingdom From its core to its outer edges a flower s petals transition from tight and unyielding to open and inviting. So goes the current state of
More informationBank of America/USA TODAY Better Money Habits Millennial Report
Letter from Andrew Plepler, Global Corporate Social Responsibility Executive We are pleased to share the results from the second Bank of America/ USA TODAY Better Money Habits Millennial Report, which
More informationEmployee Benefit Trends Study Australia
Employee Benefit Trends Study Australia The easy and effective way to differentiate your business Contents About us 1 Global expertise 1 1. Latest trends in employee benefits 2 2. Key issues 3 3. The rest
More informationHousehold Trends in U.S. Life Insurance Ownership
Household Trends in U.S. Life Insurance Ownership Full Report Cheryl D. Retzloff, LLIF, ACS Markets Research 860-285-7738 cretzloff@limra.com Maximize the Value of LIMRA Research The value of LIMRA research
More informationBoomer Expectations for Retirement 2015. Fifth Annual Update on the Retirement Preparedness of the Boomer Generation
Boomer Expectations for Retirement 2015 Fifth Annual Update on the Retirement Preparedness of the Boomer Generation April 2015 About the Insured Retirement Institute: The Insured Retirement Institute (IRI)
More information2012 HOUSEHOLD FINANCIAL PLANNING SURVEY
2012 HOUSEHOLD FINANCIAL PLANNING SURVEY A Summary of Key Findings July 23, 2012 Prepared for: Certified Financial Planner Board of Standards, Inc. and the Consumer Federation of America Prepared by: Princeton
More informationCOPIER CAREERS SALES MANAGER SALARY SURVEY
2013 COPIER CAREERS SALES MANAGER SALARY SURVEY 1 Over the past year and a half, as the economy has recovered from its recession and returned to growth mode, a major shift has taken place in the copier
More informationINSIDE EMPLOYEES MINDS
HEALTH WEALTH CAREER INSIDE EMPLOYEES MINDS THE TRANSFORMING EMPLOYMENT EXPERIENCE PART 1 CANADA SEPTEMBER 2015 INTRODUCTION INSIDE EMPLOYEES MINDS THE TRANSFORMING EMPLOYMENT EXPERIENCE At Mercer, our
More informationFinancial Experience & Behaviors Among Women
Financial Experience & Behaviors Among Women 2010 2011 Prudential Research Study TENTH ANNIVERSARY E D I T I O N A report prepared by Prudential Research 0182849-00001-00 Acknowledgment A Decade of Progress
More informationMEASURING THE PATIENT EXPERIENCE IN EXCHANGES
MEASURING THE PATIENT EXPERIENCE IN EXCHANGES The insurance market reforms, health insurance exchanges, and subsidies put in place by the Affordable Care Act represent a significant step forward for the
More informationAcquisition and retention in the war for talent kelly Global workforce index. c o u nt
Acquisition and retention in the war for talent 168, 0 kelly Global workforce index people 00 30 ie s 2012 l i r p se: a a e l re c o u nt r the modern workforce acquisition and retention in the war for
More informationDisability Insurance Trends:
Disability Insurance Trends: The Impact Of The Economy And A Changing Workforce By Alex Dumont Assistant Vice President, The Standard Table Of Contents Introduction... 3 Trend 1: Baby Boomers Postponing
More informationThe Voya Retire Ready Index TM
The Voya Retire Ready Index TM Measuring the retirement readiness of Americans Table of contents Introduction...2 Methodology and framework... 3 Index factors... 4 Index results...6 Key findings... 7 Role
More information2014 MILLENNIALS RESEARCH STUDY
2014 MILLENNIALS RESEARCH STUDY In response to interest about the financial needs and challenges of younger employees, Voya Financial conducted an online survey among roughly 2000 young adults aged 20-34
More informationSmall Business Owner Report Spring 2015
Letter from Robb Hilson We are pleased to share the spring 2015 Bank of America, a semiannual study that uncovers the concerns, aspirations and perspectives of small business owners around the country.
More informationTalent 2020: Surveying the talent paradox from the employee perspective The view from the Health Care sector
Talent 2020: Surveying the talent paradox from the employee perspective The view from the Health Care sector Deloitte Consulting s September 2012 Talent 2020: Surveying the talent paradox from the employee
More informationSun Life Canadian Unretirement Index
Sun Life Canadian Unretirement Index 2015 Canadian Unretirement Index Report Life s brighter under the sun Table of contents About the Sun Life Canadian Unretirement Index... 2 Will you be working at
More informationManaging employee benefits: Helping employees help themselves Podcast Transcript
Managing employee benefits: Helping employees help themselves Podcast Transcript Richard K. Baily Vice President - Business Development Xerox Global Manufacturing Account Organization Rohail Khan Executive
More informationThe 5 Forces that are Changing Employee www.namely.com Performance Reviews
REINVENTING THE PERFORMANCE REVIEW The 5 Forces that are Changing Employee Performance Reviews 1 REINVENTING THE PERFORMANCE REVIEW The 5 Forces that are Changing Employee Performance Reviews Summary This
More informationAre You Listening? Are You Listening? What Small Business Employees Want From Their Benefits, And How Employers Can Show They ve Heard
Are You Listening? Are You Listening? What Small Business Employees Want From Their Benefits, And How Employers Can Show They ve Heard 1 ? HAVE YOU HEARD what small business* employees are saying ABOUT
More informationProtecting a Diverse Workforce
Protecting a Diverse Workforce Steps to Address the Life Insurance Gap: Women as a Key Segment Table of Contents Introduction... 3 A Tendency to Underinsure... 4 The Underinsurance Challenge... 5 Advantages
More informationcompensation and employee motivation
compensation and employee motivation compensation and employee motivation 2 Introduction If your employees report that they are unhappy with their pay, should you pay them more? If they say that total
More informationExecutive Benefits. Watch The Gap! Recalibrating Income Protection Benefits For Highly Compensated Employees
Watch The Gap! Recalibrating Income Protection Benefits For Highly Compensated Employees Table of Contents Executive Summary... 3 Introduction... 4 Executives Value Benefits More Than Employers Realize...
More informationINDEPENDENT INSURANCE AGENTS
Presented By: RESEARCH REPORT INDEPENDENT INSURANCE AGENTS AND BROKERS: THE GENERATION GAP 9080 Eaton Park Road T (866) 537-4999 Great Falls, VA 22066 F (703) 759-9356 OVERVIEW This research is the first
More informationThe Decision to Retire and Post-Retirement Financial Strategies: A Report on Eight Focus Groups. Executive Summary
The Decision to Retire and Post-Retirement Financial Strategies: A Report on Eight Focus Groups Executive Summary This summary was prepared by the Project Oversight Group The report was sponsored by the
More informationWomen & Money: Factors influencing women s financial decision-making
Women & Money: Factors influencing women s financial decision-making Professor Roslyn Russell, RMIT University Professor Amalia Di Iorio, La Trobe University Introduction Financial wellbeing can be considered
More informationWorkers Still Uneasy About Financial Security and Retirement
Workers Still Uneasy About Financial Security and Retirement Results from Towers Watson s 2013/2014 Global Benefit Attitudes Survey By Jonathan Gardner and Steve Nyce 1 In the more than five years since
More informationHow To Be Financially Successful
Employee Financial Wellness Survey 2015 results April 2015 Retirement Employer benefits Financial stress Investing Cash and debt management Risk management About this survey PwC s Employee Financial Wellness
More informationWhat really matters to women investors
january 2014 What really matters to women investors Exploring advisor relationships with and the Silent Generation. INVESTED. TOGETHER. Certainly a great deal has been written about women and investing
More informationA REPORT BY HARVARD BUSINESS REVIEW ANALYTIC SERVICES. Who Will Build Your Future? The New Employee Relationship. Sponsored by
A REPORT BY HARVARD BUSINESS REVIEW ANALYTIC SERVICES Who Will Build Your Future? The New Employee Relationship Sponsored by Sponsor s Perspective One of the many outcomes of the difficult economic environment
More informationEmployer Perspectives on Disability Benefits
An Overview of Key Findings for Individuals Employer Perspectives on Disability Benefits A study made possible by The American College and MassMutual Contents 1 Disability benefits: flexibility to meet
More informationAmerica s Income Protection Picture
2014 Disability Awareness Study America s Income Protection Picture How and why too many working adults fall short in protecting one of their most important resources their income. A Cautionary TalE David
More informationSecurities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
FACTORS IN THE DECISION TO REPLACE OR EXCHANGE A LIFE INSURANCE POLICY You own a life insurance policy, having purchased it some time ago after you researched all the issues involved and evaluated the
More informationHow To Help Your Business With Benefits
Myths and Misperceptions: What employee benefits can do for small businesses Brighter ideas in small business benefits Table of Contents Myths and Misperceptions: What Employee Benefits Can Do for Small
More informationIntroduction 1 Key Findings 1 The Survey 1. 1. Retirement landscape 2
Contents Introduction 1 Key Findings 1 The Survey 1 1. Retirement landscape 2 2. Aspirations and expectations for a changing retirement 2 Canada is ranked third in the AEGON Retirement Readiness Index
More informationState of the American Family:
An Educational Guide State of the American Family: Families, Financial Attitudes, and Planning American families have always weathered economic shifts, but the downturn of 2008 has affected families finances,
More informationCREATE TAX ADVANTAGED RETIREMENT INCOME YOU CAN T OUTLIVE. create tax advantaged retirement income you can t outlive
create tax advantaged retirement income you can t outlive 1 Table Of Contents Insurance Companies Don t Just Sell Insurance... 4 Life Insurance Investing... 5 Guarantees... 7 Tax Strategy How to Get Tax-Free
More informationVoluntary Benefits: Impact on Workers Comp & Clients Bottom Line!
2014 Aflac WorkForces Report Voluntary Benefits: Impact on Workers Comp & Clients Bottom Line! 1 A F L A C W O R K F O R C E S R E P O R T Current realities: Business pressures 2 A F L A C W O R K F O
More informationTable of Contents. Headline
Headline Table of Contents 1 Overview: Top Concerns 2 Healthcare: Top of List, Top of Mind 6 Pressures to Control Costs and Boost Profits 7 Need to Retain and Motivate Top Performers 9 Conclusion: Responses
More informationAn Educational Guide. MassMutual s State of the American Mom
An Educational Guide MassMutual s State of the American Mom The majority of household financial decisions are made by moms, and with over 85 million in the United States,* this group of women can be very
More informationNo Small Matter. How Small Businesses Make Decisions About Employee Benefits
No Small Matter How Small Businesses Make Decisions About Employee Benefits Kimberly Landry Insurance Research Product (860) 285-7889 klandry@limra.com This publication is a benefit of LIMRA membership.
More informationThe FPA and Ameriprise Value of Financial Planning study: Consumer Attitudes and Behaviors in a Changing Economy
The FPA and Ameriprise Value of Financial Planning study: Consumer Attitudes and Behaviors in a Changing Economy Conducted by Harris Interactive Consumer confidence is near historic lows, yet one group
More informationA Guide to Student Loan Consolidation
A Guide to Student Loan Consolidation Introduction If you are reading this, you probably have student loan repayment fast approaching. Fortunately, you have options for repaying your student loans. One
More informationIs Your Company a great place to work? inspire financial security through financial education
Is Your Company a great place to work? inspire financial security through financial education TABLE OF CONTENTS: Why Being a Great Place to Work Matters More Than Ever...1 Improved Financial Wellness Can
More informationReady. Set. Retire. Exploring the path to and through retirement. A Retirement Experience study from the Voya Retirement Research Institute.
Ready. Set. Retire. Exploring the path to and through retirement. A Retirement Experience study from the Voya Retirement Research Institute. Ready. Set. Retire. This study is a fresh look at the experience
More informationThe State of Group Voluntary Benefits
Seventh Annual Study of Employee Benefits Today & Beyond The State of Group Voluntary Benefits The Prudential Insurance Company of America (Prudential) 751 Broad Street, Newark, NJ 0232579-00002-00 Brokers
More informationExecutive Summary. 3 Attracting ~ ~ ~ ~ ~ ~ ~ ~ ~ ~
Visa Small Business REPORT AUGUST 0 Spend Insights Visa Small Business Spend Insights monitors the economic confidence of U.S. small business owners by analyzing Visa Business card spend data and responses
More informationDisability Insurance Statistics
Individual Disability Insurance Disability Insurance Statistics Individual Disability Insurance from Principal Life Insurance Company helps clients protect their most valuable asset - their ability to
More informationThe Ariel/Schwab Black Investor Survey:
The Ariel/Schwab Black Investor Survey: Saving and Investing Among Higher Income and Americans Ariel Investments, LLC and The Charles Schwab Corporation are non-affiliated entities, but co-sponsor the
More information2015 Workplace Benefits Report. Helping employees live their best financial lives
2015 Workplace Benefits Report Helping employees live their best financial lives Employers are adapting to a new normal in benefits plans Financial wellness continues to be a hot topic for employers. This
More informationThe Difference Between Providing A Pension And Retirement
Pensions made simple Take control of your future MIND THE GAP PENSIONS MADE SIMPLE FROM AVIVA Contents Page 1 First things first 2 2 Why pensions are so important 4 3 How a pension plan works 8 4 The tax
More informationReal-World Thinking: Using Voluntary Benefits Today to Address Employees Lifestyle and Financial Needs for Tomorrow. A Purchasing Power White Paper
Real-World Thinking: Using Voluntary Benefits Today to Address Employees Lifestyle and Financial Needs for Tomorrow A Purchasing Power White Paper January 2011 TABLE OF CONTENTS Executive Summary...2 Employees
More informationPrudential Long Term Care
prudential s GROUP INSURANCE Prudential Long Term Care Solid Solutions SM 20 Questions concerning long-term care insurance The Prudential Insurance Company of America (Prudential) 0238884 Should you be
More informationBoomer Expectations for Retirement 2014: Fourth Annual Report on the Retirement Preparedness of the Boomer Generation
Boomer Expectations for Retirement 214: Fourth Annual Report on the Retirement Preparedness of the Boomer Generation April 214 About the Insured Retirement Institute: The Insured Retirement Institute (IRI)
More information2015 Wells Fargo Retirement Study
2015 Wells Fargo Retirement Study Table of contents Overview 1 Key findings 2 Background and methodology 8 Harris Poll conducted the survey online of 1,993 affluent investors, ages 30 75 who have $250,000
More informationHow social media is influencing the job search process
ABSTRACT How social media is influencing the job search process Matthew Stollak Amy Spielbauer Vandenberg Nathan Felhofer Patrick Sutherland Over the past eight years, social networking has continuously
More informationLong-Term Care Insurance:
The Prudential Insurance Company of America 2011 Long-Term Care Insurance: A Piece of the Retirement & Estate Planning Puzzle IRA Pension 401(k) Annuities Long-Term Care Insurance Life Insurance Social
More informationThe Future of Retirement The power of planning
The Future of Retirement The power of planning Singapore Report Foreword It has been our constant endeavour to make research available to our customers and distributors to create awareness for the need
More informationCONTENTS ABOUT AIA STUDY BACKGROUND EXECUTIVE SUMMARY. KEY FINDINGS Quality of life Financial security Retirement Family and education
Report Philippines 2014 CONTENTS ABOUT AIA STUDY BACKGROUND EXECUTIVE SUMMARY KEY FINDINGS Quality of life Financial security Retirement Family and education 4 6 8 10 12 16 18 20 REPORT PHILIPPINES 3
More informationSmall-company business trends
AFLAC WORKFORCES REPORT 2014 FACT SHEET Small-company business trends 2014 Aflac WorkForces Report results for benefits decision-makers and employees from companies with 3-99 employees As part of the fourth
More informationSaving and Investing Among Higher Income African-American and White Americans
The Ariel Investments 2010 Black Investor Survey: Saving and Investing Among Higher Income African-American and Americans July 21, 2010 1 For further information, contact Merrillyn J. Kosier at Ariel Investments
More informationLong-Term Care Insurance Buyer Profiles: Implications for CLASS
Long-Term Care Insurance Buyer Profiles: Implications for CLASS By Eileen J. Tell Spring 2011 No. 15 The Community Living Assistance Services and Supports (CLASS) Plan a groundbreaking component of the
More informationHelp Protect Your Most Valuable Asset Your Income
Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think
More informationGeneration Y Changing with the times
Generation Y Changing with the times Generation Y refers to any individual born between 1980 and 2000 and, like most other generations, they have been shaped by the leaders, developments, trends and events
More informationLong Term Disability Insurance Benefits Guide
THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK Long Term Disability Insurance Benefits Guide For The Employees of The State University of New York Answers to your questions about coverage from The Standard
More informationAttention Agents: How to Generate Leads and Make More Money
1 Attention Agents: How to Generate Leads and Make More Money Copyright No part of this consumer report may be reproduced or transmitted in any form without the written permission of the author. This electronic
More information2013 Survey of registered nurses
We ve earned The Joint Commission s Gold Seal of Approval 2013 Survey of registered nurses Generation Gap Grows as Healthcare Transforms AMN Healthcare, Inc., 2013 12400 High Bluff Drive, San Diego, CA
More informationScripts for Recruiters
Scripts for Recruiters Companion Script Guide for The New Recruiters Tool Kit www.greatrecruitertraining.com Copyright 2010 Scott Love 1 How to Use This Guide Use this companion script guide while watching
More informationTrends in Global Employee Engagement
Consulting Talent & Organization Trends in Global Employee Engagement Trends in Global Employee Engagement Contents 3 4 5 6 7 8 9 10 14 15 Executive Summary Trends in Global Employee Engagement Employee
More informationWhat does student success mean to you?
What does student success mean to you? Student success to me means to graduate with a B average with no failing grades. Ferris is ridicules tuition rates don t affect me since I was fortunate enough to
More informationFortify Your Employees Financial Future with Long Term Care Insurance
Fortify Your Employees Financial Future with Long Term Care Insurance S602-107 CareDirections Simplicity and Simplicity ii SM are long term care insurance products of MedAmerica Insurance Company and MedAmerica
More informationTHE LIFE INSURANCE COVERAGE GAP
THE LIFE INSURANCE COVERAGE GAP Strategies for Financial Professionals to Close the Gap The Prudential Insurance Company of America, Newark, NJ 2013 Prudential Financial, Inc. and its related entities.
More informationCorporate Benefit Funding
Corporate Benefit Funding > SECURE SOLUTIONS FOR TOMORROW AND BEYOND Corporate Benefit Funding > CBF > Corporate Benefit Funding > WHY METLIFE? For over 140 years, MetLife has been one of the country s
More information9th annual. Study of Employee Benefits Trends A Blueprint for the New Benefits Economy
9th annual Study of Employee Benefits Trends A Blueprint for the New Benefits Economy View of the Potomac Atrium in the Smithsonian s National Museum of the American Indian, Washington, DC The symbolic
More informationTalent Management in a new area
Talent Management in a new area Tom Pfeiffer Partner Audit Deloitte Sacha Thill Senior Consultant Operations Excellence & Human Capital Deloitte In recent decades, organizations have increased their efforts
More informationIncome protection solutions
For UK financial advisers only Income protection solutions Tailored to your client and their budget What is income protection? Income Protection can be an everyday essential that works when your client
More informationability to accumulate retirement resources while increasing their retirement needs; and
Consulting Retirement Consulting Talent & Rewards The Real Deal 2012 Retirement Income Adequacy at Large Companies RETIREMENT YOU ARE HERE About This Report This study assesses whether employees of large
More informationIs the U.S. Economy Losing Its Dynamism? Dennis Lockhart President and Chief Executive Officer Federal Reserve Bank of Atlanta
Is the U.S. Economy Losing Its Dynamism? Dennis Lockhart President and Chief Executive Officer Federal Reserve Bank of Atlanta Creative Leadership Summit Louise Blouin Foundation Metropolitan Club New
More information2 First-time buyers want to skip the starter home. 4 Nearly all homebuyers are willing to make sacrifices
1 Letter from D. Steve Boland, Consumer Lending Executive We are pleased to share the inaugural Bank of America, which explores the attitudes, behaviors and preferences of the modern homebuyer. One thing
More informationYet many companies still look toward solutions that can keep their clients secure and healthy
Exclusive Study: Employers Turn to Voluntary Benefits, Cost-Sensitive Products August 2009-2009 Employee Benefits Selling Guide Written by Christina Pellett, Managing Editor Yet many companies still look
More informationGIIRS Emerging Market Assessment Resource Guide: Worker Benefits
GIIRS Emerging Market Assessment Resource Guide: What s in this Guide? I. What are Employee Benefits? II. Types of Employee Benefits III. Importance of Benefits IV. Implementation V. Additional Resources
More informationThe Association and Affinity Marketplace: Expanding Business Opportunities By Understanding Member Preferences by Association Type
The Association and Affinity Marketplace: Expanding Business Opportunities By Understanding Member Preferences by Association Type Introduction Leveraging Sales Opportunities within the Association & Affinity
More informationSHRM Job Satisfaction Series: Job Security Survey. Research SHRM
Job Satisfaction Series: Job Security Survey SHRM Job Satisfaction Series: Job Security Survey Evren Esen Survey Program Coordinator SHRM June 2003 This report is published by the Society for Human Resource
More informationSERVING THE LIFE INSURANCE NEEDS OF YOUNG CONSUMERS
SERVING THE LIFE INSURANCE NEEDS OF YOUNG CONSUMERS The Prudential Insurance Company of America 2011 Prudential Financial, Inc. and its related entities. 0207223-00001-00 Ed. 10/2011 Exp. 04/18/2013 INTRODUCTION
More informationmaking the call Why customers and staff will embrace the next outsourcing wave Jim Bradley
making the call Why customers and staff will embrace the next outsourcing wave Jim Bradley 2 making the call Introduction Contact centers have been at the forefront of new and innovative employment models
More informationOVERTURN THE HIGH COST OF EMPLOYEE TURNOVER Product No. 10145
OVERTURN THE HIGH COST OF EMPLOYEE TURNOVER Overturn the High Cost of Employee Turnover Kathryn E. Jackson Ph.D. To hire and retain the optimal workforce, some companies invest strategically in becoming
More informationSPECIAL QUESTIONS. August 26, 2014
August 26, 2014 SPECIAL QUESTIONS Data were collected Aug. 4 7, and 191 Texas business executives responded to the survey. 1. What are your best estimates of the annual percentage change in your firm's
More informationACA opens the door to new benefits for small businesses
ACA opens the door to new benefits for small businesses Brighter ideas in small business benefits Table of Contents Impact of the ACA....2 More Coverage, More Money... 2 The Silver Lining....2 Voluntary
More informationWOMEN S PERSPECTIVES ON SAVING, INVESTING, AND RETIREMENT PLANNING
WOMEN S PERSPECTIVES ON SAVING, INVESTING, AND RETIREMENT PLANNING 1 WOMEN S PERSPECTIVES ON SAVING, INVESTING, AND RETIREMENT PLANNING November 2015 Insured Retirement Institute 2 WOMEN S PERSPECTIVES
More informationManaging an Intergenerational Workforce: Strategies for Health Care Transformation
Managing an Intergenerational Workforce: Strategies for Health Care Transformation 2013 AHA Committee on Performance Improvement Report January 2014 2014 Health Research & Educational Trust Managing an
More informationTHE AUTONOMOUS AND EMPOWERED WORKFORCE
kelly Global workforce index THE AUTONOMOUS AND EMPOWERED WORKFORCE 168,000 people release: SEPT 2012 30 countries The new breed of aspirational and dynamic employees 70 % think multiple employers are
More informationRetirement: Get Ready...1 Why planning makes sense...1 Where are you?...2 Getting Started: 20 s and early 30 s...3
Retirement: Get Ready...1 Why planning makes sense...1 Where are you?...2 Getting Started: 20 s and early 30 s...3 On Your Way: Mid-30 s to early 40 s...4 Crunch Time: Mid-40 s to early 50 s...5 Just Around
More information