Articles from Umar Hafeez. All about Insurance.

In this uncertain economy, the need for—and importance of—better employee benefits is greater than ever.

Harris Interactive, on behalf of the Principal Financial Group, conducted the Principal Financial Well-Being Index℠ - Second Quarter 2008 survey online between April 30 and May 7, 2008. This quarterly survey polls employees over 18 working at a small or mid-sized business, and retirees, to identify concerns about finances, health and retirement benefits, as well as to examine workplace trends. The results are then compared to the same quarter from previous years.

Notable results

• Health insurance has been rated as the most important benefit for the past five years
• Health insurance is also the benefit that employees most want improved
• Health Savings Accounts are less well-known than before
• Respondents are concerned about the economy, rising prices, and job security
• Most respondents think the country is in a recession
• Fewer employees than previously believe that good benefits will result in harder work and better performance
• More employees than previously said that good benefits keep them at their current employer
• Females rated dental insurance and life insurance as important more often than males did
• Stock options are rated as more important than before, but still rank last

Benefit importance
As seen in the table below, health insurance and defined contribution plans are rated as the most important benefits to employees, while stock options are rated as the least important. This is an interesting statistic because many companies tend to offer stock options as a type of benefit, especially to those working in upper management.

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