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Access an additional Workspan Daily article from this series: ;4 Steps to Help Pre-Retirees Consider, Plan for Retirement Income;Take 3 Actions to Help Workers Turn Savings into Retirement Income; Forecasting Expenses: Essentials Versus Discretionary For pre-retirees and retirees, retirement budgeting begins with a straightforward yet practical approach: distinguishing between needs and wants.

-based employers are preparing for 3.4% average pay increase budgets for 2026, the same percentage they actually provided to employees in 2025, according to the results of The Conference Board’s 40th annual Salary Budget Survey , which was released Sept. 3.

When asked about their ideal work style, the respondents preferred: Remote only, completely working from home (58%);Hybrid, with time split between remote and in-office work (38%);In the office full-time, not working remotely at all (4%); When asked what might persuade them to return to the office full-time, workers pointed to: Four-day workweek (30%);15% raise (18%);Unlimited paid time off (12%);Travel reimbursement (3%);Childcare reimbursement (3%);Student loan assist (2%);Free lunch (2%); Most of the survey respondents also reported that remote work either improves or maintains their productivity levels: 53% said they’re more productive working remotely than in the office.;31% are equally productive at home and in the office.;12% are somewhat more productive when working remotely.;4% are somewhat or much less productive when working remotely.; “Even though we’ve seen RTO efforts and some high-profile remote work rollbacks, most workers say they haven’t been brought back into the office

McMullen: Salary increases for 2026 are stabilizing but slightly lower than late 2025 expectations, with most major markets clustering around 3% to 4% increases (e.g., about 3.0% in the U.S., about 3.1% in the United Kingdom, about 3.5% in Australia).

Access a bonus Workspan Daily Plus+ article on this subject: Two TR Leaders Provide a Personal Take on Their 2026 Priorities; WorldatWork’s 2026 findings are based on the survey responses (from Oct. 27 through Nov. 21) of 290 TR leaders, including: ;Directors or senior directors (37%); ;Managers or senior managers (27%); ;Vice presidents (senior or assistant) (15%); ;Consultants/analysts/specialists (11%); ;Chiefs or heads (6%); ;Other titles (3%); Respondents represented a diversity of: ;Organization sizes ;500 to 2,499 employees (29%); ;2,500 to 9,999 (27%); ;20 to 499 (18%); ;20,000 or more (16%); ;10,000 to 19,999 (8%); ;Less than 20 (3%);; ;And, geographic regions;;United States (41%); ;Canada (14%); ;Europe (excluding the United Kingdom) (8%); ;U.K. (8%); ;India (8%); ;Asia (excluding India) (7%); ;Latin America and the Caribbean (6%); ;Middle East (4%); ;Africa (2%); ;Oceania (2%);; “TR leaders recognize that rewards programs must directly support organizational

Psychological Bulletin 117(3): 497-529.

Jumbo Claims Drive Up Stop-Loss Costs Advances in medical technology and treatment options , as well as the continued pervasiveness of costly conditions, are moving health costs and medical claims higher — which, in turn, is ramping up stop-loss premiums, a trend observed on multiple fronts: ;Employers saw a 29% increase in claims for $1 million or more per million covered employees in 2024 compared to the year before — and a 47% increase in claims totaling $3 million or more, according to financial services company Sun Life.; ;2025 stop-loss rate renewal increases through Voya Financial were double the amount of 2024 increases, with the company citing a spike in the number of claims in the prior year.; ;There was a 9.4% increase in average stop-loss premiums in 2024 among health plans tracked by Segal, with that increase rising to 11.5% for employers maintaining comparable coverage to the prior year as opposed to adjusting their coverage to reduce premium costs.; The

According to Kastle, San Jose, California had the lowest return-to-office rate last week, at 41.1%— though it increased 3 percentage points from the week before.

The WGA also got t5%-4%-3.5%, but notes in its summary of the Memorandum of Agreement that “some minimums and rates increase less, mostly by 3% each year, while a few rates increase only once or do not increase over the contract.

In the below figure, consider: Lines 1 and 3 reflect the ratio of pay received by the interim CEO vs. the former CEO.