Employee Realities
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Over half of employees have less than $1,000 available to pay for unexpected medical expenses, and many are concerned about maintaining their health benefits and increasing out-of-pocket costs. Nearly a quarter have visited the emergency room or suffered an injury in the past year, and over 20% do not feel fully protected by their insurance. Despite these realities, only a small minority are extremely satisfied with their overall benefits packages.
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76% of employees say that an employer's overall benefits package is influential in their decision to leave a job. 59% of employees are likely to take a job with slightly lower pay if it offers a more robust benefits package. Nearly half of employees are likely to look for a new job in the next year, and 45% of those employees say that improving their employer's benefits package could influence them to stay in their current job.
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Hub Altarum data brief no. 37 - New York healthcare affordabilityCommunity Service Society of New York
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The document discusses a life insurance policy that provides death benefit protection while also allowing policyholders to access a portion of the death benefit if diagnosed with a critical or chronic illness. It provides an example of a 45-year-old man who suffers a heart attack and accelerates 90% of his $500,000 policy, receiving $268,219 to pay medical bills and other expenses while keeping $50,000 of the death benefit for his family. It also gives an example of a man who develops rheumatoid arthritis at 55 and can accelerate portions of his policy annually to pay for health care costs while preserving the rest of the savings for his family and retirement. The policy is presented as a way for clients to prepare for unexpected medical
awr.2016-article-health-care-costs-still-breaking-the-bank
The document summarizes the findings of Aflac's 2016 WorkForces Report on employee benefits and attitudes. It finds that 65% of employees have less than $1,000 available to pay for unexpected medical costs. Healthcare costs continue rising, as the average worker spent $132 more on family health insurance in 2015. Many employees report being unprepared for out-of-pocket medical expenses and would use credit cards or borrow to pay costs. The report also examines benefits trends like concerns about costs being shared across all demographics and millennials being less informed about costs than other generations. It concludes voluntary insurance can help offset costs not covered by major medical to give employees more robust coverage.
PolicyAdvisor State of the Nation 2021
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2015 Aflac Workforces Report: Snapshot of Employee Findings
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Voluntary Insurance Advantage - 2014 Broker, Employer & Employee Findings
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Hub Altarum data brief no. 37 - New York healthcare affordability
Hub Altarum data brief no. 37 - New York healthcare affordability
awr.2016-article-health-care-costs-still-breaking-the-bank
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The document discusses the costs associated with hospital stays and visits to the emergency room in the United States. It provides statistics on the average number of hospital stays and ER visits annually, average costs per day in the hospital, and common reasons for hospitalization among children and emergency room visits among all ages. The summary explains that while primary medical insurance may cover most of a hospital stay, patients are often still responsible for out-of-pocket costs, and that purchasing additional insurance like Aflac's hospital plan can help cover expenses from a hospitalization not covered by major medical insurance.
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88% of employees see voluntary benefits as part of a comprehensive benefits package and 80% are likely to purchase additional insurance if their employer did not provide adequate health insurance. Offering voluntary benefits can boost employee satisfaction - employees enrolled in voluntary benefits are 14% less likely to look for new jobs, 19% more likely to be satisfied with their jobs, and 31% more likely to be satisfied with benefits. Voluntary benefits also provide employees an advantage in dealing with financial issues from unexpected medical expenses or emergencies.
Poor Health Literacy
Only 17% of employees report understanding their total annual healthcare costs extremely well, while more than half don't fully understand their major medical insurance policies. Additionally, 9% say they do not understand their annual deductible costs well at all. Most employees agree that healthcare and health insurance situations are too complicated and confusing to understand, with 71% believing their personal health insurance will become more confusing and 75% thinking healthcare reform is too complicated.
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Find out what employees said in the 2015 Aflac WorkForces Report about financial stress.
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Find out what employee findings from the 2015 Aflac WorkForces Report showed about the advantages of voluntary benefits.
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The document summarizes key findings from the 2015 Aflac WorkForces Report on the education industry:
- It surveyed over 900 employees and 150 business decision-makers in the education industry. Hispanic employees made up 12% and Millennials 28% of those surveyed.
- 56% of employees were satisfied with their benefits packages and 67% satisfied with their jobs.
- Employers increasingly offered benefits like dental, life, and disability insurance between 2014 and 2015. They also increasingly implemented high-deductible health plans and cost-sharing measures between 2013 and 2015.
- Actual changes to hiring and compensation in 2015 matched projections from 2014 fairly closely with some small differences.
At a Glance: Construction Industry Results
This document summarizes key findings from the 2015 Aflac WorkForces Report on the construction industry. Some key points:
- The report surveyed 179 employees and 110 business decision-makers in the construction industry. Hispanic employees made up 13% and Millennials 27% of employees.
- 56% of employees were very or extremely satisfied with their benefits packages and 74% with their jobs. Employees valued benefits like insurance.
- Employers increasingly offered benefits like insurance between 2014 and 2015. They also increased costs for employees through higher copays and premium shares.
- Actual industry hiring and compensation changes matched projections fairly closely between expected and actual levels in 2014 and 2015.
2015 Aflac WorkForces Report | Presentation For Brokers
The document summarizes key findings from Aflac's 2015 WorkForces Report on benefits trends. It finds that confusion remains around healthcare reform, costs continue rising, and financial preparedness is a concern. Employers are focused on controlling healthcare costs but lack understanding of reform. Employees feel unprotected and distracted by financial issues. Voluntary benefits have grown in popularity as a way to help meet needs. The report is based on surveys of over 5,300 workers and 2,000 employers.
American Employees Consider Voluntary Insurance Benefits Important
88% of American employees consider voluntary insurance benefits an important part of a comprehensive benefits program.
Financial State of the U.S. Workforce
Did you know that voluntary benefits may be a solution to your employees' financial concerns?
American Workers and Health & Lifestyle Choices
Is it time for a checkup? American workers reveal surprising status of their health and lifestyle choices.
Open Enrollment Stats
An Aflac survey found that American workers spend little time selecting their healthcare benefits each year, with 90% choosing the same benefits and 64% not understanding changes to their coverage. Workers also spend much more time on activities like vacation planning, researching car purchases, and choosing electronics than on their employee benefits. This lack of understanding and preparation results in workers wasting an estimated average of $750 per year due to mistakes made during open enrollment.
Healthcare Reform Confusion
The majority of employees are confused about health care reform and do not understand key concepts like consumer-driven health care. 73% agree that health care reform is too complicated to understand and 71% believe their insurance situation will become more confusing. Regarding consumer-driven health care, 71% have not heard the term and of those who have, only 19% understand it well.
Growing Need
A survey found that 63% of workers see a growing need for voluntary benefits options. When asked why, the top reasons workers cited were rising medical costs (76%), rising medical coverage costs (66%), and increasing deductibles and copays (61%). Additionally, 86% of workers agree that the medical costs they are responsible for will increase. The data comes from the 2014 Aflac WorkForces Report.
Financial Crisis
Many workers are facing financial crisis due to medical costs. According to a 2014 survey, 42% said they were not prepared to pay out-of-pocket medical expenses from a serious illness. Additionally, 69% underestimated total illness costs including medical bills, household expenses, and other out-of-pocket costs. 13% currently have high medical bills and 24% have been contacted by collection agencies or had their credit score lowered due to medical debts.
Controlling Cost
Controlling costs was a top business objective for 49% of companies according to a 2014 Aflac report. To reduce healthcare costs, companies eliminated or reduced benefits for 22% of employees, increased copayments for 28% of employees, and increased premium shares for 28% of employees. 9% eliminated family coverage contributions.
The Impact of Health Care Reform
The document summarizes findings from the 2014 Aflac WorkForces Report on the impact of health care reform. It finds that controlling health care costs was a top priority for many companies, who increased deductibles and employee premium shares. It also found that many employees are confused about health care reform and lack preparedness for rising medical costs. Voluntary benefits were seen as important for providing employees with financial protection and peace of mind.
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Employee Realities
- 1. EMPLOYEE REALITIES 52% have less than $1,000 to pay out-of-pocket expenses associated with unexpected serious illnesses or accidents, and 28% have less than $500 available. 38% are concerned about maintaining their health care benefits and 30% are concerned about increasing out-of-pocket medical expenses. 23% have been to the emergency room and/or suffered an injury in the past year. 21% do not feel1 fully protected by their insurance coverage. 19% have put off a medical procedure longer than they should in the past year. 12% are dealing with serious health issues. 13% are extremely satisfied with their overall benefits packages. 15% believe their overall benefits packages meet their current family needs extremely well. Source: 2015 Aflac WorkForces Report, conducted in Jan. 2015 by Research Now on behalf of Aflac. 1 Reflects respondents who completely and strongly disagreed with the statement, “I feel fully protected by my insurance coverage.” Z150337 American Family Life Assurance Company of Columbus 4/15