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Benefits Trends


Workforce dynamics

Four generations represented:

2% Gen Z (18-22)
47% Millennials (23-38)
26% Gen X (39-54)
24% Baby boomers (55-73)
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46% have children under 26 covered on their health plan.
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57% have been at their company for five or more years and 14% for less than two years.
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57% say their current level of burnout due to work is moderate to very high.

Fragile financials

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47% couldn’t go a month without a paycheck.
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67% couldn’t afford an out-of-pocket expense of $1,000 or more if an unexpected serious illness or accident occurred today.
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49% have held off on seeing a medical professional because of cost concerns.
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61% who have more than one job or “gig” say it’s to help make ends meet.

Did you know?

1 in 4 retail employees couldn’t go more than one week without a paycheck. That’s higher than the national average among industries at 18%. Employees in the retail industry need the additional financial protection for out-of-pocket costs should they experience an unexpected illness or injury.

Benefits preference and enrollment

Most necessary insurance plans:

1 Major medical/health insurance
2 Dental
3 Vision
4 Critical Illness
5 Life

Participants ranked first, second or third most necessary.

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38% say the ongoing national debate about health care has helped them better understand their options; meanwhile, 27% say it has made them more confused about their choices.
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65% of employees are enrolled in major medical/health insurance through their employer.
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94% of employees enrolled in supplemental insurance say the coverage helps to protect their financial security.

Most desired nontraditional benefits:

1 Flexible work schedule
2 Wellness stipend
3 Identity theft
4 Health advocacy or medical bill negotiation
5 Employee assistance

Participants ranked first, second or third most necessary.

Power of benefits

Employees say their benefits package is extremely or very important to their:

71% financial health
71% job satisfaction
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60% rank health benefits as one of the top-three most important aspects of looking for a new job.

Top value-added services desired by employees

Flexible work schedule

64% National average
61% Retail

Wellness stipend

40% National average
43% Retail

Health advocacy or medical bill negotiation

34% National average
35% Retail

Employee assistance program

32% National average
30% Retail

Identity theft protection

30% National average
37% Retail

Legal assistance

23% National average
28% Retail

Percentage ranking benefit first, second or third important.

About the Study

The 2019-2020 Aflac WorkForces Report is the ninth annual Aflac employee benefits study examining benefits trends and attitudes. Conducted by Kantar on behalf of Aflac, the study captured responses from 2,000 employees and 1,200 employers across the United States in various industries.

Archived Results

View previous Aflac WorkForces Report research:

- 2018 AWR Findings
- 2017 AWR Findings
- 2016 AWR Findings
- 2015 AWR Findings
- 2014 AWR Findings