{"id":20999,"date":"2019-08-09T10:49:55","date_gmt":"2019-08-09T09:49:55","guid":{"rendered":"https:\/\/benefex-dev.local\/en\/2019\/08\/09\/how-to-create-a-personalised-financial-wellbeing-strategy-for-every-employee\/"},"modified":"2019-08-09T10:49:55","modified_gmt":"2019-08-09T09:49:55","slug":"how-to-create-a-personalised-financial-wellbeing-strategy-for-every-employee","status":"publish","type":"post","link":"https:\/\/benifex.com\/en\/how-to-create-a-personalised-financial-wellbeing-strategy-for-every-employee\/","title":{"rendered":"How To Create a Personalized Financial Wellbeing Strategy"},"content":{"rendered":"<h3>First, what is financial wellness, and how can it be defined?<\/h3>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">In the Benify e-book <a href=\"https:\/\/info.benify.com\/download-the-e-book-on-financial-wellness\" rel=\"noopener\" target=\"_blank\"><em>Financial Wellness: The Topic You Can\u2019t Afford to Ignore<\/em><\/a>, financial wellness is defined as:<\/span><\/p>\n<p><!--more--><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">The freedom to make life choices<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">The ability to survive and thrive in challenging times<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Control over day-to-day finances<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Having the resources to plan for the future<\/span><\/li>\n<\/ul>\n<h2>Wellbeing and Your Finances<\/h2>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">The term financial wellness is made up of two words that are intrinsically linked. Think about it &#8211; it\u2019s unlikely an individual can experience high levels of wellbeing if stressed about their finances.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><a href=\"https:\/\/benefitplans.baml.com\/publish\/content\/application\/pdf\/GWMOL\/2017WorkplaceBenefitsReport_ARKRNPFQ.pdf\" rel=\"noopener\" target=\"_blank\">A 2017 Workplace Benefits Report by Bank of America <\/a>revealed that the top three financial stress factors are:<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Saving for the future \u2013 67%<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Paying monthly bills \u2013 57%<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif;\">Credit card debt \u2013 42%<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">However, the financial impacts of COVID-19 have done little to reduce people\u2019s financial worries. <a href=\"https:\/\/www.intrum.com\/press\/news-stories\/increased-financial-stress-among-millennials-and-parents\" rel=\"noopener\" target=\"_blank\">A recent consumer survey<\/a> reveals that 54% of Europeans across all age groups have lost income due to the crisis and 47% say that the pandemic has negatively impacted their financial wellbeing. In fact, 47% of households with children say their bills are increasing at a higher rate than their income, compared with 38% of households without children.<br \/><\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><img decoding=\"async\" src=\"https:\/\/cdn2.hubspot.net\/hubfs\/2798830\/All%20Markets\/Blog%20images\/financial-stress-factors.jpg\" alt=\"financial-stress-factors\" width=\"722\" style=\"width: 722px; margin: 10px 0px; float: left;\" loading=\"lazy\"><\/span><\/p>\n<h2>Why Employers Should Care<\/h2>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">The financial wellness of employees might seem like a private matter for individuals, but the financial stress and hardship of your employees can have a significant impact on your company\u2019s bottom line. <\/span><\/p>\n<p>Pre-COVID-19, <a href=\"https:\/\/www.bofaml.com\/content\/dam\/flagship\/institutional-retirement\/id20_0901\/documents\/2020workplacebenefitreport_singlepage_final_9.16.20.pdf\" rel=\"noopener\" target=\"_blank\">a Bank of America Merrill Lynch survey<\/a> revealed that 53% of employees reported that stress caused by their finances regularly interferes with their ability to focus and be productive at work. Now, with even greater financial uncertainty due to the pandemic, the number of people who say they are stressed by their finances will have increased dramatically.<\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">Besides improving productivity and profit margins, supporting the financial wellness of your employees is also the right thing to do.<\/span><\/p>\n<h2>Supporting Employee Wellness<\/h2>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">One of the most effective ways of supporting employee wellbeing is through your benefits offering. And a benefits plan with a particular emphasis on financial wellness support is the way to go.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">However, in order for a company\u2019s benefits offering to have a positive impact on employee financial wellbeing, it needs to be beneficial to each individual. And that\u2019s the trick. Every employee has their own preferences and needs depending on what financial stage they are in and whether they\u2019re a baby boomer, a Millennial, or Generation Z.&nbsp;<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><img decoding=\"async\" src=\"https:\/\/cdn2.hubspot.net\/hubfs\/2798830\/All%20Markets\/Blog%20images\/supporting-employee-financial-wellness-.jpg\" alt=\"supporting-employee-financial-wellness-\" width=\"1000\" style=\"width: 1000px; margin: 30px 0px 0px;\"><\/span><\/p>\n<h2>A Personalized Offer<\/h2>\n<p>Today, your ability to address each generation by personalizing your benefits offering is crucial. So, how do employers do that? By catering to the needs of the individual. How? By giving each employee the flexibility to choose from a range of financial wellness options which are most beneficial to them.<\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">This is where a flexible benefits model is most useful. A flexible benefits plan enables companies to address and support the financial wellness of each employee by ensuring every individual\u2019s needs are met. A flexible benefits plan created by the employer allows employees to select from a variety of pre-tax offerings to create a customized benefits package that best fits their requirements. For example, your offering may allow employees to choose a preferred supplier or select the pension or insurance that best suits them.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><a href=\"https:\/\/www.benefitplans.baml.com\/publish\/content\/application\/pdf\/GWMOL\/2017_WBR_ExternalPresentation_R1_060217.pdf\" rel=\"noopener\" target=\"_blank\">Research shows<\/a> that financial counselling services and tools aimed at budgeting, saving, and investing is something employees want \u2013 with 86% of those surveyed saying they would participate in a financial education program provided by their employer. So, think about which financial wellness services can you offer as part of your flexible benefits plan.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">In summary, a flexible benefits model enables companies to address and support the financial wellness of each employee by ensuring every individual\u2019s needs are met.<\/span><\/p>\n<hr>\n<p style=\"font-weight: bold; text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Want to learn more? Download Benify\u2019s e-book <em>Financial Wellness: The Topic You Can\u2019t Afford to Ignore<\/em>.<\/span><\/p>\n<p style=\"font-weight: bold; text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif;\">{{cta(&#8216;3490042a-8d24-45af-8902-55468fa51fbb&#8217;,&#8217;justifycenter&#8217;)}}<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>First, what is financial wellness, and how can it be defined? In the Benify e-book Financial Wellness: The Topic You Can\u2019t Afford to Ignore, financial wellness is defined as:<\/p>\n","protected":false},"author":17,"featured_media":21000,"comment_status":"closed","ping_status":"open","sticky":false,"template":"tpl.news-post.php","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[728,804],"tags":[732,806],"class_list":["post-20999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employee-benefits","category-employee-health","tag-employee-benefits","tag-employee-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.7 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How To Create a Personalized Financial Wellbeing Strategy<\/title>\n<meta name=\"description\" content=\"Financial wellbeing plays a vital role in our life quality and taking care of each employee is a must. 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