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In recent years, 70% of college graduates began their post-college career encumbered by an average of $37,175 in student debt, according to recent research by John G.

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More than 70% of working American depend on secondary income sources, according to a MyPerfectResume survey, with 35% needing to do so to cover basic living expenses (others picked up additional jobs to pay off debt or save for future goals).

Learn: Health and Welfare Plans: Strategic Planning and Design Consumers with both types of plans were more likely to make cost-conscious decisions, such as comparing service costs at different facilities before receiving care, in 2023 compared to the year before.

A recent survey of workers found many have difficulties understanding health plan types, costs and terms.

It’s also worth taking a look at the types of PTO programs being offered — such as an overall bank of hours, separate vacation and sick time, or floating holidays — and ensure they best fit the workforce.

When leaders are aware of the types and categories of issues employees are bringing to ombuds, hidden opportunities for growth within the organization and its workforce may be revealed, according to Mary Rowe, Ph.D., an adjunct professor of negotiation and conflict management at the MIT Sloan School of Management, and lead author of the working paper , “The Most Serious Cases Reported by Organizational Ombuds: Data from Surveys and Interviews.”

PBMs are progressively exploring ways to incorporate those types of offerings into their own apps and services that they offer insurers and employers, which total rewards professionals can vet as they’re assessing vendor solutions — a timely task as health costs continue to increase .

This is down from the 2% general/COLA that was provided in 2023, which fell well below the 2.3% that organizations had projected from the prior year.

Human Resource Management Review 17(2): 131–139.