74% of employees say financial stress has impacted their mental health. What can employers do to help?

kAmp44@C5:?8 E@ C6D62C49 7@C k2 9C67lQ9EEADi^^DAC:?8962=E9]4@>Qm$AC:?8 w62=E9k^2m’D k2 9C67lQ9EEADi^^HHH]DAC:?8962=E9]4@>^8F:56D^a_ae\H@C<A=246\>6?E2=\962=E9\2??F2=\C6A@CEnFE>0D@FC46lDE24<6CU2>AjFE>0>65:F>l4@?E6?EZDJ?5:42E:@?U2>AjFE>042>A2:8?l;F?6a_aeZDE24<6CU2>AjFE>04@?E6?El7:?2?4:2=ZDEC6DDQma_ae (@C<A=246 |6?E2= w62=E9 p??F2= #6A@CEk^2m[ fcT @7 6>A=@J66D D2J 7:?2?4:2= DEC6DD 92D :>A24E65 E96:C >6?E2= 962=E9]k^Am

kAm%9:D :D?VE 2 7C:?86 :DDF6] p?5 :EVD ?@E ;FDE 23@FE 4@>A6?D2E:@?]k^Am

kAmt>A=@J66 7:?2?4:2= DEC6DD 42? 4C62E6 k2 9C67lQ9EEADi^^HHH]DAC:?8962=E9]4@>^3=@8^H@C<A=246D\42?\:>AC@G6\AC@5F4E:G:EJ\3J\:>A=6>6?E:?8\E96D6\d\D=66A\6?92?4:?8\:?:E:2E:G6DnFE>0D@FC46lDE24<6CU2>AjFE>0>65:F>l4@?E6?EZDJ?5:42E:@?U2>AjFE>042>A2:8?l;F?6a_aeZDE24<6CU2>AjFE>04@?E6?El7:?2?4:2=ZDEC6DDQmAC@5F4E:G:EJk^2m 2?5 AC6D6?E66:D> 7@C @C82?:K2E:@?D H9:=6 =625:?8 E@ k2 9C67lQ9EEADi^^HHH]DAC:?8962=E9]4@>^3=@8^6>A=@J66\3FC?@FEnFE>0D@FC46lDE24<6CU2>AjFE>0>65:F>l4@?E6?EZDJ?5:42E:@?U2>AjFE>042>A2:8?l;F?6a_aeZDE24<6CU2>AjFE>04@?E6?El7:?2?4:2=ZDEC6DDQm6>A=@J66 3FC?@FEk^2m[ k2 9C67lQ9EEADi^^HHH]DAC:?8962=E9]4@>^3=@8^6>A=@J66\D=66A\962=E9\H92E\9C\@C82?:K2E:@?D\42?\5@nFE>0D@FC46lDE24<6CU2>AjFE>0>65:F>l4@?E6?EZDJ?5:42E:@?U2>AjFE>042>A2:8?l;F?6a_aeZDE24<6CU2>AjFE>04@?E6?El7:?2?4:2=ZDEC6DDQmD=66A :DDF6Dk^2m[ 2?5 >@C6 7@C 6>A=@J66D] p?5 :E 42? 27764E 2 H:56 DH2E9 @7 E96 6>A=@J66 A@AF=2E:@?[ ?@ >2EE6C 9@H >F49 E96J’C6 A2:5]k^Am

kAm%9:D :D 2? @C82?:K2E:@?2= A6C7@C>2?46 C:D< H@CE9 6G6CJ @C82?:K2E:@?’D 2EE6?E:@?]k^Am

k9bm(92E :D 6>A=@J66 7:?2?4:2= DEC6DDnk^9bm

kAmt>A=@J66 7:?2?4:2= DEC6DD :D E96 @?8@:?8 4@8?:E:G6 2?5 6>@E:@?2= DEC2:? 42FD65 3J 563E[ 42C68:G:?8 4@DED[ 9@FD:?8 2?5 :?7=2E:@? AC6DDFC6D[ :?4@>6 :?D64FC:EJ[ 2?5 F?AC65:4E23=6 6IA6?D6D] $AC:?8 w62=E9VD C6D62C49 7@F?5 E92E dhT @7 6>A=@J66D D2J E96:C 7:?2?4:2= DEC6DD 92D :?4C62D65 @G6C E96 A2DE 7:G6 J62CD]k^Am

kAmuC@> 2 4=:?:42= A6CDA64E:G6[ DEC6DD :?E6?D:7:6D H96? A6@A=6 766= 2 =24< @7 4@?EC@=] (96? 6>A=@J66D 36=:6G6 E96:C 7:?2?4:2= D:EF2E:@? :D F?4@?EC@==23=6[ DEC6DD D9:7ED 7C@> E6>A@C2CJ E@ 49C@?:4] %92E 49C@?:4 DEC6DD 2=E6CD D=66A[ :?4C62D6D 2?I:6EJ[ :>A24ED 564:D:@?\>2<:?8[ 2?5 2>A=:7:6D C6=2E:@?2= DEC2:?]k^Am

k9bmw@H 7:?2?4:2= DEC6DD D9@HD FA 2E H@C<k^9bm

kAmu:?2?4:2= DEC6DD C2C6=J DE2JD 2E 9@>6] xE 7@==@HD 6>A=@J66D :?E@ >66E:?8D[ :?3@I6D[ 2?5 564:D:@? 4J4=6D]k^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ6f_4hegd_2b_77chh75_hge`3ea22_4`eQmkDEC@?8m!C6D6?E66:D>ik^DEC@?8m t>A=@J66D >2J 36 A9JD:42==J AC6D6?E 3FE >6?E2==J AC6@44FA:65] ~?8@:?8 H@CCJ 23@FE 3:==D[ 563E[ @C 42C68:G:?8 4@DED 4@?DF>6D 4@8?:E:G6 32?5H:5E9] ~G6C E:>6[ E9:D “2=H2JD\@?” 324<8C@F?5 DEC6DD =625D E@ D=@H6C 564:D:@?\>2<:?8[ C65F465 4C62E:G:EJ[ 5:>:?:D965 7@4FD[ 2?5 DFDE2:?65 A6C7@C>2?46 5C28[ 6G6? :7 2EE6?52?46 C6>2:?D DE625J]k^=:mk=: 52E2\=:DE\:E6>\:5lQ64374`ee4`c3ce6`h5b6f2hcfcd`65hacQmkDEC@?8m$=66A 5:DCFAE:@?ik^DEC@?8m u:?2?4:2= H@CCJ :D 2 4@>>@? 5C:G6C @7 D=66A :DDF6D[ H9:49 H2D E96 E@A >6?E2= 962=E9 492==6?86 :56?E:7:65 3J 6>A=@J66D :? $AC:?8 w62=E9’D DFCG6J] (96? D@>6@?6 6IA6C:6?46D 5:77:4F=EJ 72==:?8 2D=66A @C DE2J:?8 2D=66A[ >@@5 C68F=2E:@? 564=:?6D[ 7@4FD ?2CC@HD[ 2?5 DEC6DD E@=6C2?46 5C@AD] %96 =@?86C A@@C D=66A A6CD:DED[ E96 >@C6 @E96C DJ>AE@>D 6D42=2E6]k^=:mk=: 52E2\=:DE\:E6>\:5lQ647ga`65_hb_fa4eehcd45d655`c62`fhQmkDEC@?8mqFC?@FE 2446=6C2E:@?ik^DEC@?8m r9C@?:4 7:?2?4:2= DEC6DD 5@6D?’E ;FDE 4@6I:DE H:E9 3FC?@FE] xE 4@>A@F?5D :E] t>A=@J66D 2=C625J >2?28:?8 962GJ H@C<=@25D @C 42C68:G:?8 C6DA@?D:3:=:E:6D 2C6 >@C6 =:<6=J E@ 766= 6>@E:@?2==J 5C2:?65 H96? 7:?2?4:2= F?46CE2:?EJ :D =2J6C65 @? E@A] (92E 368:?D 2D H@CCJ 42? BF:4<=J 364@>6 6I92FDE:@?]k^=:mk=: 52E2\=:DE\:E6>\:5lQ62c5_6gahd6e7e3ecfhb2623`e675_7e_QmkDEC@?8m!C@5F4E:G:EJ 6C@D:@?ik^DEC@?8m ~G6C E:>6[ E96 4@>3:?65 :>A24E @7 4@8?:E:G6 DEC2:?[ A@@C D=66A[ 2?5 6>@E:@?2= 56A=6E:@? D9@HD FA :? >:DD65 5625=:?6D[ C65F465 6?8286>6?E @C :?4C62D65 :D@=2E:@?[ 2?5 2 9:896C C:D< @7 =62G6D @7 23D6?46] u:?2?4:2= DEC6DD 364@>6D ?@E ;FDE 2 A6CD@?2= 3FC56?[ 3FE 2 H@C<7@C46 DE23:=:EJ :DDF6]k^=:mk^F=m

k9bm!@AF=2E:@?D E92E 2C6 GF=?6C23=6 E@ 7:?2?4:2= DEC6DDk^9bm

kAmx?E6C6DE:?8=J[ 9@FD69@=5 :?4@>6 D66>D E@ A=2J G6CJ =:EE=6 C@=6 H96? 6I2>:?:?8 E96 :>A24E @7 7:?2?4:2= DEC6DD] r@:?4:56?E2==J[ H:E9:? $AC:?8 w62=E9’D C6D62C49 2>@?8 &]$] 6>A=@J66D[ E96 D2>6 A6C46?E286 C6DA@?565 D2J:?8 E96J 6IA6C:6?465 7:?2?4:2= DEC6DD H:E9 9@FD69@=5 :?4@>6D F?56C Sd_[___ 2D 5:5 E9@D6 H9@D6 9@FD69@=5 :?4@>6D H6C6 2E =62DE S`d_[___]k^Am

kAm(:E9:? $AC:?8 w62=E9’D C6D62C49[ E96 7@==@H:?8 6>A=@J66 D68>6?ED H6C6 2>@?8 E96 9:896DE C6A@CE:?8 E92E 7:?2?4:2= DEC6DD H2D 27764E:?8 E96:C >6?E2= 962=E9ik^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ65575736fhefg44gg72ga_fchgc23da5`QmgeT @7 C6DA@?56?ED :? E96 E649?@=@8J :?5FDECJk^=:mk=: 52E2\=:DE\:E6>\:5lQ65f7fg_fag3cgge77e_heabdcch3bg2ghQmfhT @7 C6DA@?56?ED :? E96 7:?2?46 :?5FDECJk^=:mk=: 52E2\=:DE\:E6>\:5lQ6ca3h6_c`g`_a4_e2caf7ga7``2be_653QmgaT @7 2== 6>A=@J66D F?56C E96 286 @7 cdk^=:mk=: 52E2\=:DE\:E6>\:5lQ6h7a2__e35d_h`heh3d_aaeacg_bege2bQmgeT @7 C6DA@?56?ED :? x?5:2k^=:mk=: 52E2\=:DE\:E6>\:5lQ6ea7f5ggf`c5b_2f5d7d7577ddh75h455QmgbT @7 C6DA@?56?ED :? |6I:4@k^=:mk^F=m

k9bm(9J EC25:E:@?2= tp! >@56=D 72== D9@CEk^9bm

kAmk2 9C67lQ9EEADi^^HHH]DAC:?8962=E9]4@>^3=@8^H9J\DAC:?8\962=E9\G6CDFD\EC25:E:@?2=\62A\2=E6C?2E:G6DnFE>0D@FC46lDE24<6CU2>AjFE>0>65:F>l4@?E6?EZDJ?5:42E:@?U2>AjFE>042>A2:8?l;F?6a_aeZDE24<6CU2>AjFE>04@?E6?El7:?2?4:2=ZDEC6DDQm%C25:E:@?2= tp!Dk^2m @7E6? @776C 86?6C:4 7:?2?4:2= 2CE:4=6D[ AC@G:56 D9@CE\E6C> 4@F?D6=:?8 H:E9@FE DA64:2=:K2E:@?[ =24< E2:=@C65 AC@G:56C >2E49:?8[ 2?5 C6BF:C6 6>A=@J66D E@ D6=7\?2G:82E6 4@>A=6I DJDE6>D]k^Am

kAmw6C6VD E96 4=:?:42= C62=:EJi x7 D@>6@?6 DECF88=:?8 H:E9 7:?2?4:2= DEC6DD :D >2E4965 E@ 2 AC@G:56C H9@ 5@6D?VE DA64:2=:K6 :? 64@?@>:4 2?I:6EJ[ 563E\C6=2E65 D92>6[ C6=2E:@?D9:A DEC2:? E:65 E@ 7:?2?46D[ @C 42C68:G:?8 7:?2?4:2= AC6DDFC6[ E96JVC6 =6DD =:<6=J E@ 6?8286] (C@?8\7:E 42C6 5C:G6D 5C@A\@77]k^Am

k9bm(92E 96=ADn p AC64:D:@?\32D65 2AAC@249 E@ 7:?2?4:2= DEC6DDk^9bm

kAmkDEC@?8m`] t2C=J :56?E:7:42E:@? E9C@F89 BF:4< 2DD6DD>6?Ek^DEC@?8mk^Am

kAmk2 9C67lQ9EEADi^^HHH]DAC:?8962=E9]4@>^3=@8^255C6DD:?8\>6?E2=\962=E9\DE:8>2nFE>0D@FC46lDE24<6CU2>AjFE>0>65:F>l4@?E6?EZDJ?5:42E:@?U2>AjFE>042>A2:8?l;F?6a_aeZDE24<6CU2>AjFE>04@?E6?El7:?2?4:2=ZDEC6DDQm|6?E2= 962=E9 DE:8>2k^2m :D C62=] %92E’D H9J =625:?8 6>A=@J6CD @776C 3C:67[ 4=:?:42==J G2=:52E65 2DD6DD>6?ED E92E :56?E:7J 7:?2?4:2= DEC6DD 2D 2 5C:G6C @7 2?I:6EJ @C 56AC6DD:@? 62C=J] %9:D AC6G6?ED 6D42=2E:@? :?E@ 6>A=@J66 3FC?@FE[ =62G6 @7 23D6?46[ 2?5 4C:D:D :?E6CG6?E:@?]k^Am

kAmkDEC@?8ma] !6CD@?2=:K65 AC@G:56C >2E49:?8k^DEC@?8mk^Am

kAm%9:D :D 4C:E:42=] t>A=@J66D 724:?8 7:?2?4:2= DEC6DD ?665 AC@G:56CD H9@ DA64:2=:K6 :? 7:?2?4:2= 2?I:6EJ[ DEC6DD E:65 E@ 563E @C 64@?@>:4 :?DE23:=:EJ[ C6=2E:@?D9:A DEC2:? 4@??64E65 E@ >@?6J[ 42C68:G6C\C6=2E65 7:?2?4:2= @G6CH96=>[ 2?5 9:89\24F:EJ 4@?5:E:@?D E92E 7:?2?4:2= DEC6DD >2J 6I246C32E6]k^Am

kAm!C@G:56C >2E49:?8 >2EE6CD] x7 2 76>2=6 6>A=@J66 DECF88=:?8 H:E9 7:?2?4:2= DEC6DD 2?5 7@@5 :?D64FC:EJ :D D6?E E@ 2 AC@G:56C H9@D6 324<8C@F?5 @C DA64:2=EJ :D F?C6=2E65 WDF49 2D DF3DE2?46 FD6 :? 2 5:776C6?E A@AF=2E:@?X[ 6?8286>6?E 5C@AD] !C64:D:@? >2E49:?8 :?4C62D6D ECFDE[ 7@==@H\E9C@F89[ 2?5 DJ>AE@> :>AC@G6>6?E]k^Am

kAmp>@?8 6>A=@J66D H9@ D2:5 7:?2?4:2= DEC6DD H2D :>A24E:?8 E96:C >6?E2= 962=E9[ dgT D2:5 :? $AC:?8 w62=E9’D DFCG6J E92E E96J 925 >6E H:E9 2 >6?E2= 962=E9 AC@76DD:@?2=[ DF49 2D 2 E96C2A:DE @C 4@F?D6=@C[ :? E96 A2DE J62C]k^Am

kAmkDEC@?8mb] x?E68C2E65 7:?2?4:2= 8F:52?46 2?5 >6?E2= 962=E942C6k^DEC@?8mk^Am

kAmu:?2?4:2= DEC6DD :D 3@E9 AC24E:42= 2?5 6>@E:@?2=] $FAA@CE D9@F=5 :?4=F56ik^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ6gc574bc37h6aeg355245f_45faac_7geQmqF586E:?8 @C 7:?2?4:2= ?2G:82E:@? C6D@FC46Dk^=:mk=: 52E2\=:DE\:E6>\:5lQ63eg535hf5a5f73he72574626`_ge3535Qm(@C<\=:76 7:?2?4:2= D6CG:46Dk^=:mk=: 52E2\=:DE\:E6>\:5lQ6cbe6adgdh_6377edf3`4gfd4`e_`fcbeQm%96C2AJ H:E9 4=:?:4:2?D EC2:?65 :? 7:?2?4:2= DEC6DD 5J?2>:4Dk^=:mk=: 52E2\=:DE\:E6>\:5lQ6hh5dd`_624a6cdfadh4d4d3edb45`cedQmr@249:?8 7@C 923:E 2?5 C6D:=:6?46 3F:=5:?8k^=:mk=: 52E2\=:DE\:E6>\:5lQ6fbh7d_c67ad2e2ahhad`62`6g_e5_364Qm#6E:C6>6?E\A=2??:?8 4@249:?8 2?5 C6D@FC46Dk^=:mk^F=m

kAmkDEC@?8mc] #65F4:?8 7C:4E:@? H:E9 2 D:?8=6 7C@?E 5@@Ck^DEC@?8mk^Am

kAmu:?2?4:2= DEC6DD 2=C625J 4C62E6D 4@8?:E:G6 @G6C=@25] x7 2446DD:?8 96=A C6BF:C6D >F=E:A=6 A9@?6 42==D[ D62C49:?8 A@CE2=D[ 2?5 6IA=2:?:?8 J@FC D:EF2E:@? C6A62E65=J[ 6?8286>6?E 5C@AD]k^Am

kAm{625:?8 6>A=@J6CD AC@G:56 @?6 4=62C DE2CE:?8 A@:?E[ C@FE6 6>A=@J66D E@ 2AAC@AC:2E6 42C6 BF:4<=J[ 2?5 4@@C5:?2E6 A2A6CH@C< 2?5 25>:?:DEC2E:G6 3FC56?] %9:D C6DE@C6D 2 D6?D6 @7 4@?EC@=]k^Am

k9bm(92E =625:?8 6>A=@J6CD 2C6 5@:?8 5:776C6?E=Jk^9bm

kAm%96J EC24< 7:?2?4:2= DEC6DD 2D 2 H@C<7@C46 C:D< D:8?2=] %96J >@G6 36J@?5 86?6C:4 tp!D] %96J :?G6DE :? AC64:D:@? >6?E2= 962=E942C6 H:E9 k2 9C67lQ9EEADi^^HHH]DAC:?8962=E9]4@>^3=@8^H92E\:D\>62DFC6>6?E\32D65\42C6nFE>0D@FC46lDE24<6CU2>AjFE>0>65:F>l4@?E6?EZDJ?5:42E:@?U2>AjFE>042>A2:8?l;F?6a_aeZDE24<6CU2>AjFE>04@?E6?El7:?2?4:2=ZDEC6DDQm>62DFC6>6?E\32D65 @FE4@>6Dk^2m] %96J 49@@D6 px\?2E:G6 >6?E2= 962=E9 D@=FE:@?D E92E >2E49 6>A=@J66D E@ AC@G:56CD H9@ DA64:2=:K6 :? E96:C ?665D]k^Am

kAm%96J EC62E 7:?2?4:2= DEC6DD 2D 2? FADEC62> C:D<[ ?@E 2 5@H?DEC62> 4C:D:D]k^Am

kAmp?5 E96 AC@@7 :D :? E96 52E2] x? $AC:?8 w62=E9’D DFCG6J[ 6>A=@J66D H9@ D2:5 E96J =24<65 2446DD E@ 256BF2E6 >6?E2= 962=E9 DFAA@CE 7C@> E96:C 6>A=@J6C H6C6 daT >@C6 =:<6=J E@ D2J E96J 6IA6C:6?465 7:?2?4:2= DEC6DD]k^Am

kAmt>A=@J66D 42?VE 4@?EC@= :?7=2E:@?[ >2C<6E D9:7ED[ 563E @3=:82E:@?D[ @C 42C68:G:?8 4@DED] qFE 6>A=@J6CD 42? 4@?EC@= H96E96Cik^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ6g57da63bd33f74ff_7f6h_``4ge5aeecQmu:?2?4:2= DFAA@CE :D 62DJ E@ 2446DDk^=:mk=: 52E2\=:DE\:E6>\:5lQ6h_2acha32b5eb3bfdh_2bdg557g23fe5Qm!C@G:56C >2E49:?8 :D E9@F89E7F= 2?5 DA64:2=:K65k^=:mk=: 52E2\=:DE\:E6>\:5lQ64`h2ccf7caf2ac6`b2_`d722773`c4gbQmt>A=@J66D 766= 8F:565 @C =67E E@ ?2G:82E6 2=@?6k^=:mk^F=m

kAmt>A=@J66 7:?2?4:2= DEC6DD >2J 36 F?2G@:523=6] qFE F?>2?2865 7:?2?4:2= DEC6DD 5@6D?VE 92G6 E@ 36]k^Am

kAmk2 9C67lQ9EEADi^^HHH]DAC:?8962=E9]4@>^3=@8^6>A=@J66\7:?2?4:2=\DEC6DD\>6?E2=\962=E9\:>A24EQmk6>m%9:D DE@CJk^6>mk^2m k6>mH2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^HHH]DAC:?8962=E9]4@>^Qmk6>m$AC:?8 w62=E9k^6>mk^2m k6>m2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2m]k^Am