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When survey respondents were asked how they would pay for a costly and unplanned medical bill: ;48% said they would set up a payment plan; ;31% would use general savings; ;28% would rely on credit cards; ;12% would take a hardship withdrawal from their retirement account, with millennials (20%) and Gen Z (16%) more likely to do so than Gen X (6%) or Baby Boomers (3%); Other key findings from Equitable’s survey include: ;37% of Gen Z respondents use platforms like TikTok, Instagram, Reddit and YouTube for benefits information — more than any other generation.

Use the Tools at Your Disposal — And Keep Evolving Employers should understand what they’re trying to accomplish with a modernized benefits communications plan, Mowrer said, so they should set guidelines for how to measure success — and continue tweaking their approach.

“Employers can set defined budgets, work with specialized partners and still provide meaningful access to care that was once out of reach for many,” Farnsworth said, adding that, as with any health benefit, thoughtful design and strong clinical standards are key to responsibly managing costs.

.; Why This Matters Beyond Legal Compliance For many Indian organizations — especially those with large, diverse or contingent workforces — the new labor codes offer a unique opportunity: ;To see TR not as a set of allowances but as a cohesive, equitable and transparent package that includes basic pay, social security, health, safety, contract clarity and portability.; ;To build trust and fairness by leveling the playing field for permanent, contract, gig and platform workers.

For roles or industries that require specific skill sets or hands-on experience, apprenticeships can be a game-changer.

For Most, It’s Full Speed Ahead Nearly two-thirds of employers (62%) that participated in the survey said they have made no change to their 2026 projected pay budgets, which were first set midway through 2025.

To tackle fears among these employees, reiterate that they’re being asked to use AI tools to deliver stronger value, not to be replaced by them — and for those who are indifferent, set pragmatic expectations for use that help them see how it can impact their results, Tamanini said.

Another interesting example is from Jenkins and Sherman (2020), who conducted a study in a university setting.

The proponents also respond that this will not set a precedent for the rescue of state and local government pension plans.

• Employees are aware that their managers can hardly monitor and evaluate their efforts in a remote setting.