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Financial Wellness 360®

A comprehensive program to meet the needs of diverse workforces

Families across the country are stressed out when it comes to their personal finances

By offering robust financial wellness programs, companies can help relieve this stress. In this guide, you will find everything you need to know about Financial Wellness 360®.

40% of U.S. adults have less than $1,000 saved to deal with unexpected expenses1

58% of employees admit they're stressed about finances; and 50% of those say finances have been a distraction at work1

45 million Americans owe student loans worth more than $1.4 trillion, a 116-percent increase in the last decade2

Stressed employees are less productive

Financial matters is the top cause of stress at work for U.S. employees - and distracting them on the job.1 This translates to nearly a month of lost productivity annually, costing companies about 2.5 percent of the U.S. Gross Domestic Product (GDP).3 

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Many American adults are not prepared for financial disruption


Nearly 40%

of Americans can't cover a $400 emergency4 

18%

of those making more than $100,000 annually live paycheck to paycheck5 

70%

of employees are saving less for retirement than they think they should5 

Employers recognize financial wellness is a critical benefit

The need for financial wellness is clear, as demonstrated by the life insurance gap, the retirement savings gap, the student loan debt crisis, and high levels of financial stress.

Helping employees and driving results

Supporting financial well-being not only helps employees pay off debt, save for an emergency and get on track for retirement, but also achieve business results:

  • Reduce health care costs
  • Engage employees
  • Cut down on absenteeism
  • Maintain or improve morale
  • Aid in recruiting efforts
  • Improve productivity
  • Increase retention
  • Increase plan participation

The case for comprehensive financial wellness benefits

The link between financial wellness and productivity

View position paper

Learn more about other programs

  1. PwC's 9th annual Employee Financial Wellness Survey, PwC US, 2020.
  2. Tatham, Matt. “Student Loan Debt Climbs to $1.4 Trillion in 2019.” Experian.com, July 24, 2019.
  3. Macklin, Dan. “Businesses Losing $500 Billion Due to Employees' Financial Stress.” hrtechnologist.com, April 15, 2019.
  4. Report on the Economic Well-Being of U.S. Households in 2018,” Federal Reserve, May 2019.
  5. Despite improvement in their financial wellbeing, U.S. workers remain worried,” Willis Towers Watson press release, February 11, 2020.

Enrich by iGrad, CommonBond and Lifestyle Benefits are provided by third-party service providers. All such services and products are the sole responsibility of the service provider. The services are not affiliated with Securian or its group contracts and may be discontinued at any time. Certain terms, conditions and restrictions may apply when utilizing the services.

Lifestyle Benefit Services provided by Morneau Shepell, RedpointWTP, LLC and PricewaterhouseCoopers LLP are their sole responsibility. The services are not affiliated with Securian Financial or its group contracts and may be discontinued at any time. Certain terms, conditions and restrictions may apply when utilizing the services. To learn more, visit the appropriate website.

Financial advisors/professionals do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.

DOFU 01-2021
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