{"id":2868,"date":"2023-01-31T13:47:00","date_gmt":"2023-01-31T18:47:00","guid":{"rendered":"https:\/\/www.dailypay.com\/2018\/04\/04\/employee-financial-wellness-benefits\/"},"modified":"2025-09-05T16:32:08","modified_gmt":"2025-09-05T20:32:08","slug":"employee-financial-wellness-benefits","status":"publish","type":"post","link":"https:\/\/www.dailypay.com\/resource-center\/blog\/employee-financial-wellness-benefits\/","title":{"rendered":"Financial Wellness Benefits for Your Employees"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2868\" class=\"elementor elementor-2868\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ecbe486 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ecbe486\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10b554d\" data-id=\"10b554d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-14a3383d elementor-widget elementor-widget-text-editor\" data-id=\"14a3383d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Why are we talking about financial wellness benefits?<\/h2><p>Profit &amp; Loss is the bedrock of decision-making<span style=\"font-weight: 400;\">\u00a0in business. If your investments aren\u2019t yielding desirable results, you need to adjust your approach.<\/span><\/p><p>This is exactly why financial wellness employee benefits are essential. Your biggest investment is in your workforce, and by giving them the tools they need for <span style=\"font-weight: 400;\">enhanced<\/span> financial health, you are <a href=\"\/blog\/3-ways-that-offering-financial-wellness-benefits-will-improve-your-bottom-line\" target=\"_blank\" rel=\"noopener\">directly boosting your bottom line<\/a>.<\/p><p>But don\u2019t take that at face value. Let\u2019s look at the research:<\/p><ul><li>72% of\u00a0<a href=\"http:\/\/www.apa.org\/news\/press\/releases\/2015\/02\/money-stress.aspx\" target=\"_blank\" rel=\"noopener\">Americans regularly experience financial stress<\/a><\/li><li><a href=\"https:\/\/www.stress.org\/workplace-stress\/\" target=\"_blank\" rel=\"noopener\">Stress in the workplace<\/a>\u00a0has been estimated to negatively impact productivity to the tune of $60 billion per year<\/li><li>1 million American workers miss work every day due to stress<\/li><li>The above statistic results in an annual $300 billion loss in productivity<\/li><\/ul><p>There\u2019s no quick and dirty fix to this problem. But much of it can be attributed to a lack of financial literacy across the U.S.<\/p><ul><li>63% of Americans can\u2019t pass a basic financial literacy test. (Source:\u00a0<a href=\"http:\/\/www.usfinancialcapability.org\/results.php?region=US\" target=\"_blank\" rel=\"noopener\">FINRA<\/a>)<\/li><li>Only 57% of U.S. credit card holders understand the concept of interest. (Source:\u00a0<a href=\"http:\/\/gflec.org\/wp-content\/uploads\/2015\/11\/3313-Finlit_Report_FINAL-5.11.16.pdf?x87657\" target=\"_blank\" rel=\"noopener\">S&amp;P Global Financial Literacy Survey<\/a>)<\/li><li>More than one-third of wealth inequality could be accounted for by disparities in financial knowledge, and up to one-third of the fees and charges paid by those with lower debt literacy is due to a lack of knowledge.\u00a0(Source:\u00a0<a href=\"http:\/\/www.nber.org\/papers\/w18669\" target=\"_blank\" rel=\"noopener\">National Bureau of Economic Research<\/a>)<\/li><\/ul><p>While financial education isn\u2019t the only piece of the puzzle, it seems to be a rather large one. And if the first set of stats quoted are even remotely accurate, it stands to reason that paying close attention to your employees\u2019 financial literacy would be as step in the right direction.<\/p><blockquote><p>\u201cThink about it,\u201d says Mitchell D. Weiss, an adjunct professor at the University of Hartford, management consultant, and serial entrepreneur. \u00a0\u201cIf money\u2019s a worry \u2013 you don\u2019t have enough of it to go around, the bills are piling up, the collections companies have begun to call \u2013 how clearheaded would you be for the tasks at hand; particularly those that require creative thought?\u201d (Source:\u00a0<a href=\"https:\/\/wallethub.com\/blog\/examining-financial-literacy-in-workplace\/2654\/\" target=\"_blank\" rel=\"noopener\">WalletHub<\/a>)<\/p><p><img decoding=\"async\" src=\"https:\/\/cdn2.hubspot.net\/hubfs\/3412011\/background-balance-business-583846.jpg\" alt=\"financial literacy in the workplace\" width=\"600\" \/><\/p><\/blockquote><h2>How to start offering financial wellness employee benefits<\/h2><p>Here are some ways you can start offering your employees financial wellness benefits.<\/p><h3>Ongoing financial education<\/h3><p>Offering educational seminars, classes, and courses is the most obvious way to address this issue. But considering the amazing amount of resources freely available online, low financial literacy signals other deficits that need to be considered: lack of time, motivation, encouragement, and an understanding of the importance of financial literacy.<\/p><p>The lack of time means that educational seminars must be arranged during work hours and preferably in person. On the latter point, a busy person learning on the computer where they do all the work won\u2019t be incentivized to focus on lessons, but instead they would likely run the risk of trying to multitask.<\/p><p>But will financial education be mandatory? As with getting large groups of people to do anything, it\u2019s wise to set up a system of incentives.<\/p><p><em style=\"font-size: 16px;\">\u201cThis speaks right to one of the major concerns about financial wellness programs: Will they be used?\u201d [Mark] Lamoriello [president of Lamco Advisory Services in Orlando, Fla.] said. <\/em><em style=\"font-size: 16px;\">\u201cYou can\u2019t force an employee to comply with a financial wellness program, so we see incentives used more frequently. Those incentives can range from small, one-time bonuses to subsidized sessions with a financial planner.\u201d<\/em><span style=\"font-size: 16px;\">\u00a0(Source:\u00a0<\/span>SHRM<span style=\"font-size: 16px;\">)<\/span><\/p><p>But education is both theory and praxis. Look to\u00a0<a href=\"http:\/\/yukaichou.com\/gamification-examples\/top-10-finance-apps-for-2017-from-an-octalysis-gamification-perspective\/\" target=\"_blank\" rel=\"noopener\">gamification strategies<\/a>\u00a0to encourage putting all this education to good use. With personalized educational programs, you can segment your employees by progress. Then give them at-home or at-desk assignments, like switching to a fee-free bank or spending 10 minutes every day fine-tuning their budget or opening a savings account for emergency funds.<\/p><p>Segmenting is important for another reason. The financial concerns of employees in their 20s are very different than the financial concerns of employees in their 50s. Adopting a\u00a0\u201cjust-in-time\u201d approach\u00a0is where motivation comes in. A high-school age or 20-something employee will be more receptive to lessons on car financing, student loans, and savings goals like emergency and vacation funds, but they might be less interested in the nuances of retirement and mortgages.<\/p><p>By offering the time, motivation, and encouragement to transfer financial information to financial \u00a0empowerment, you can engender a culture that is open about the practice of money management. By focusing your work culture on financial literacy, your employees will learn the importance of being money smart.<\/p><hr \/><p>Additional Reading:\u00a0<a href=\"\/blog\/financial-wellness\" target=\"_blank\" rel=\"noopener\">HOW FINANCIAL WELLNESS IMPROVES EMPLOYEE ENGAGEMENT<\/a><\/p><hr \/><p><img decoding=\"async\" src=\"https:\/\/cdn2.hubspot.net\/hubfs\/3412011\/adult-agreement-beverage-423368.jpg\" alt=\"financial wellness in the workplace\" width=\"600\" \/><\/p><h3>Financial benefits and technology<\/h3><p>Financial education is a great start, but there are other factors to take into account when addressing financial stress in the workplace. Here are a few ways to give your employee a leg up.<\/p><h3>Student loan aid<\/h3><p>More than\u00a040 million Americans\u00a0are currently saddled with student loan debt, equaling over $1.3 trillion. Loan-repayment programs are gaining in popularity, especially where companies are on the hunt for high-demand skills. With the\u00a0<a href=\"https:\/\/www.benefitnews.com\/articles\/us-jobless-claims-decline-to-lowest-level-since-january-1973\" target=\"_blank\" rel=\"noopener\">U.S. jobless claims<\/a>\u00a0at their lowest since 1973, any company that is looking to stay competitive on the job market should consider some kind of student loan aid.<\/p><p>According to\u00a0<a href=\"https:\/\/www.prnewswire.com\/news-releases\/new-survey-shows-student-loan-debts-are-stressing-out-employees-300288170.html\" target=\"_blank\" rel=\"noopener\">an IonTuition white paper<\/a>:<\/p><ul><li>More than 90% of managers said that student loan debt creates stress for employees<\/li><li>Approximately 80% believe this financial stress decreases employee productivity<\/li><li>Nearly 80% believe offering a student loan repayment program would support talent recruitment<\/li><li>70% believe that offering such a program would improve employee retention and morale<\/li><li>Nearly 85% stated that employees would enjoy the option of making their student loan payments via automatic payroll deductions.<\/li><\/ul><h3>Financial planning services and online tools<\/h3><p>Go the extra mile in making financial wellness a way of life. Companies like\u00a0LearnVest\u00a0and\u00a0<a href=\"https:\/\/www.key.com\/personal\/financial-wellness\/hello-wallet-home.jsp\" target=\"_blank\" rel=\"noopener\">HelloWallet\u00a0<\/a>offer services that help employees better manage and save their money. Programs like these can add another layer of personalization by addressing particular financial concerns, like paying for college or saving for retirement or home purchase.<\/p><h3>Next-generation 401(k)<\/h3><p>It\u2019s old news to offer a 401(k) with an employer matching a percentage of an employee\u2019s contribution. What\u2019s new is\u00a0<a href=\"https:\/\/www.npr.org\/2014\/04\/21\/303683792\/how-do-companies-boost-401-k-enrollment-make-it-automatic\" target=\"_blank\" rel=\"noopener\">automatic enrollment<\/a>, but it\u2019s starting to be more common, as is automated escalation, in which an employee\u2019s savings rate is annually bumped incrementally by one or two percentage points.<\/p><p>However, this benefit doesn\u2019t accommodate every financial situation, and an opt-out should be offered at time of onboarding and at any point of employment.<\/p><p>But automatic enrollment is effective because of a fairly well-establishment psychological principle called the\u00a0<a href=\"https:\/\/en.wikipedia.org\/wiki\/Default_effect\" target=\"_blank\" rel=\"noopener\">default effect<\/a>.<\/p><p>The text below is adapted from author\u00a0Dan Ariely\u2019s blog.<\/p><p>The graph below illustrates the difference in the percentage of the populations of various countries to consent to donating organs. Pay attention to the pairs of countries that are culturally quite similar:<\/p><ul><li>Denmark and Sweden (4.25% vs. 85.9%)<\/li><li>The Netherlands and Belgium (27.5% vs. 98%)<\/li><li>Germany and Austria (12% vs. 99.98%)<\/li><li>The UK and France (17.17% vs. 99.91%)<\/li><\/ul><p><img decoding=\"async\" src=\"https:\/\/cdn2.hubspot.net\/hubfs\/3412011\/od_plot.jpg\" alt=\"od_plot\" width=\"474\" \/><\/p><p>How could countries with such similar populations turn out such a difference in willingness to donate organs? It\u2019s a simple answer: the form at the DMV.<\/p><p><em>\u201cIn countries where the form is set as \u201copt-in\u201d (check this box if you want to participate in the organ donation program) people do not check the box and as a consequence they do not become a part of the program.\u00a0In countries where the form is set as \u201copt-out\u201d (check this box if you don\u2019t want to participate in the organ donation program) people also do not check the box and are automatically enrolled in the program.\u00a0In both cases large proportions of people simply adopt the default option.\u201d<\/em><\/p><h3>Flexible paydays<\/h3><p>The road from being in debt and struggling to make ends meet to being the picture of financial wellness and stability can be long.\u00a0<a href=\"\/blog\/financial-wellness-isnt-just-about-education-its-also-about-pay-frequency\" target=\"_blank\" rel=\"noopener\">Letting your employees choose when they get paid<\/a>\u00a0should be one of the first steps you take toward ensuring their financial wellness.<\/p><p>The average American pays $1,000 per year in non-sufficient funds (NSF) and late bill pay fees. And according to\u00a0<a href=\"http:\/\/www.paydayloaninfo.org\/facts\" target=\"_blank\" rel=\"noopener\">Payday Loan Consumer Information<\/a>:<\/p><p><em>\u201cPayday loans range in size from $100 to $1,000, depending on state legal maximums. The average loan term is about two weeks. Loans typically cost 400% annual interest (APR) or more. The finance charge ranges from $15 to $30 to borrow $100.\u00a0For two-week loans, these finance charges result in interest rates from 390 to 780% APR. Shorter term loans have even higher APRs. \u00a0Rates are higher in states that do not cap the maximum cost.\u201d<\/em><\/p><p>Employees who are already struggling financially will benefit from a\u00a0flexible payday\u00a0in a lot of ways. The biggest win for them will be the financial buffer between paydays to avoid those NSF and late fees and to avoid payday loans.<\/p><p>Take this example: a new mother who can\u2019t purchase diapers in bulk will pay $0.36 per diaper at the local discount store compared with $0.14 per diaper on Amazon when purchased in bulk. \u00a0That $0.22 per diaper may not sound like a lot, but when you multiply it by the 3,000 diapers in the first year of a baby\u2019s life, that amounts to $660 per year.<\/p><p>This is why\u00a0<a href=\"https:\/\/dailypay.com\/\" target=\"_blank\" rel=\"noopener\">DailyPay<\/a>\u00a0exists: to play the critical role in the first steps toward your employees\u2019 financial wellness. Financial stress is a scourge on employees and employers alike. It\u2019s an epidemic. But with a few smart moves, employers can inoculate their employees. By extension, they\u2019ll boost their businesses\u2019\u00a0bottom line\u00a0as well.<\/p><hr \/><p>If you want to get started today implementing financial wellness benefits for your employees, click below to visit our\u00a0Financial Wellness Resource Center\u00a0and download our financial resource guide for your employees today.<\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/cdn2.hubspot.net\/hubfs\/3412011\/FinLitMo%20Blog%20CTA.png\" alt=\"FinLitMo Blog CTA\" width=\"1200\" height=\"300\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Why are we talking about financial wellness benefits? Profit &amp; Loss is the bedrock of decision-making\u00a0in business. If your investments aren\u2019t yielding desirable results, you need to adjust your approach. This is exactly why financial wellness employee benefits are essential. Your biggest investment is in your workforce, and by giving them the tools they need<a class=\"read-more\" href=\"https:\/\/www.dailypay.com\/resource-center\/blog\/employee-financial-wellness-benefits\/\">Read More<\/a><\/p>\n","protected":false},"author":78,"featured_media":2869,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[147],"tags":[186,221],"class_list":["post-2868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-financial-wellness","tag-turnover-rate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Financial Wellness Benefits for Your Employees - DailyPay<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dailypay.com\/resource-center\/employee-financial-wellness\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Wellness Benefits for Your Employees\" \/>\n<meta property=\"og:description\" content=\"Why are we talking about financial wellness benefits? Profit &amp; Loss is the bedrock of decision-making\u00a0in business. If your investments aren\u2019t yielding desirable results, you need to adjust your approach. This is exactly why financial wellness employee benefits are essential. Your biggest investment is in your workforce, and by giving them the tools they needRead More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dailypay.com\/resource-center\/employee-financial-wellness\/\" \/>\n<meta property=\"og:site_name\" content=\"DailyPay\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/dailypay\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-31T18:47:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-05T20:32:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.dailypay.com\/wp-content\/uploads\/cash-currency-dollar-585292-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1702\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Chris Brunau\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@dailypay\" \/>\n<meta name=\"twitter:site\" content=\"@dailypay\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chris Brunau\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Financial Wellness Benefits for Your Employees - DailyPay","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.dailypay.com\/resource-center\/employee-financial-wellness\/","og_locale":"en_US","og_type":"article","og_title":"Financial Wellness Benefits for Your Employees","og_description":"Why are we talking about financial wellness benefits? Profit &amp; Loss is the bedrock of decision-making\u00a0in business. If your investments aren\u2019t yielding desirable results, you need to adjust your approach. This is exactly why financial wellness employee benefits are essential. 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