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According to a 2012 Metlife report, "in 2003, only 33% of employees age 21-30 were very worried about running out of money in retirement. Today, their outlook shaped by the recession, 52% of this age group are focused on their long term financial security." (p.3)

According to a 2012 Metlife report, "in 2003, only 33% of employees age 21-30 were very worried about running out of money in retirement. Today, their outlook shaped by the recession, 52% of this age group are focused on their long term financial security." (p.3)

Metlife. (2012). 10th annual study of employee benefits trends: Seeing opportunity in shifting tides. New York: Metlife. Retrieved from https://www.metlife.com/assets/institutional/services/insights-and-tools/ebts/ml-10-Annual-EBTS.pdf

The 10th Annual MetLife Study of Employee Benefits Trends was conducted during September and October of 2011 and consisted of two distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,519 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee sample comprised 1,412 interviews with full-time employees age 21 and over, at companies with a minimum of two employees.

According to a 2012 Metlife report, "seventy percent (70%) of employers report they intend to maintain their current level of employee benefits -- even if some (30%) will do this by shifting costs to employees." (p. 6)

According to a 2012 Metlife report, "seventy percent (70%) of employers report they intend to maintain their current level of employee benefits -- even if some (30%) will do this by shifting costs to employees." (p. 6)

Metlife. (2012). 10th annual study of employee benefits trends: Seeing opportunity in shifting tides. New York: Metlife. Retrieved from https://www.metlife.com/assets/institutional/services/insights-and-tools/ebts/ml-10-Annual-EBTS.pdf

The 10th Annual MetLife Study of Employee Benefits Trends was conducted during September and October of 2011 and consisted of two distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,519 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee sample comprised 1,412 interviews with full-time employees age 21 and over, at companies with a minimum of two employees.

According to a 2012 Metlife report, "73% of employees say that they value more personalized benefits geared to employee age groups, while 53% of employers report that they are likely to offer benefits geared to employee age groups in the next 5 years." (fig. 2.7, p. 27)

According to a 2012 Metlife report, "73% of employees say that they value more personalized benefits geared to employee age groups, while 53% of employers report that they are likely to offer benefits geared to employee age groups in the next 5 years." (fig. 2.7, p. 27)

Metlife. (2012). 10th Annual study of employee benefits trends: Seeing opportunity in shifting tides. New York: Metlife. Retrieved from https://www.metlife.com/assets/institutional/services/insights-and-tools/ebts/ml-10-Annual-EBTS.pdf

The 10th Annual MetLife Study of Employee Benefits Trends was conducted during September and October of 2011 and consisted of two distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,519 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee sample comprised 1,412 interviews with full-time employees age 21 and over, at companies with a minimum of two employees.

According to a 2012 Metlife report, "67% of progressive employers report that they plan to offer more personalized benefits geared towards employees' age groups within the next five years, compared to 35% of standard employers."(fig. 2.8, p. 28)

According to a 2012 Metlife report, "67% of progressive employers report that they plan to offer more personalized benefits geared towards employees' age groups within the next five years, compared to 35% of standard employers."(fig. 2.8, p. 28)

Metlife. (2012). 10th Annual study of employee benefits trends: Seeing opportunity in shifting tides. New York: Metlife. Retrieved from https://www.metlife.com/assets/institutional/services/insights-and-tools/ebts/ml-10-Annual-EBTS.pdf

The 10th Annual MetLife Study of Employee Benefits Trends was conducted during September and October of 2011 and consisted of two distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,519 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee sample comprised 1,412 interviews with full-time employees age 21 and over, at companies with a minimum of two employees.

According to a 2012 Metlife report, "the availability of wellness programs, designed to improve employee physical health, have grown significantly from being offered by 27% of employers in 2005 to 44% of employers in 2011."

According to a 2012 Metlife report, "the availability of wellness programs, designed to improve employee physical health, have grown significantly from being offered by 27% of employers in 2005 to 44% of employers in 2011."

Metlife. (2012). 10th Annual study of employee benefits trends: Seeing opportunity in shifting tides. New York: Metlife. Retrieved from https://www.metlife.com/assets/institutional/services/insights-and-tools/ebts/ml-10-Annual-EBTS.pdf

The 10th Annual MetLife Study of Employee Benefits Trends was conducted during September and October of 2011 and consisted of two distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,519 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee sample comprised 1,412 interviews with full-time employees age 21 and over, at companies with a minimum of two employees.

According to a 2012 Metlife report, "more than one in three (35%) Boomers say that as a result of current economic conditions they plan to postpone retirement. For many employees, concerns about outliving their retirement money (50%), and needing to continue to work through retirement years (46%), combined...

According to a 2012 Metlife report, "more than one in three (35%) Boomers say that as a result of current economic conditions they plan to postpone retirement. For many employees, concerns about outliving their retirement money (50%), and needing to continue to work through retirement years (46%), combined with doubts about the long-term viability of Social Security and Medicare (75%), leads to significant worries about having enough steady income in retirement to meet expenses (52%)...One in four Older Boomers is now significantly behind in saving for retirement." (p. 48)

Metlife. (2012). 10th Annual study of employee benefits trends: Seeing opportunity in shifting tides. New York: Metlife. Retrieved from https://www.metlife.com/assets/institutional/services/insights-and-tools/ebts/ml-10-Annual-EBTS.pdf

The 10th Annual MetLife Study of Employee Benefits Trends was conducted during September and October of 2011 and consisted of two distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,519 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee sample comprised 1,412 interviews with full-time employees age 21 and over, at companies with a minimum of two employees.

According to a 2012 Metlife report, "in 2003, 45% of employees reported being behind schedule on retirement savings; in 2011 50% report beging behind. In 2003 27% reported being on track to achieve goals, compared to 31% in 2011. In 2003, 19% hadn't yet started to save for retirement, compared to...

According to a 2012 Metlife report, "in 2003, 45% of employees reported being behind schedule on retirement savings; in 2011 50% report beging behind. In 2003 27% reported being on track to achieve goals, compared to 31% in 2011. In 2003, 19% hadn't yet started to save for retirement, compared to 13% in 2011." (fig 3.14, p. 49)

Metlife. (2012). 10th Annual study of employee benefits trends: Seeing opportunity in shifting tides. New York: Metlife. Retrieved from https://www.metlife.com/assets/institutional/services/insights-and-tools/ebts/ml-10-Annual-EBTS.pdf

The 10th Annual MetLife Study of Employee Benefits Trends was conducted during September and October of 2011 and consisted of two distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,519 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee sample comprised 1,412 interviews with full-time employees age 21 and over, at companies with a minimum of two employees.

According to a 2012 Metlife report, "more than half (54%) of Gen Y workers agree that given the choice they hope to be working for another employer in 2012, compared to 37% of GenX workers, 27% of younger boomers and 21% of older boomers." (fig. 4.7 ,p. 63)

According to a 2012 Metlife report, "more than half (54%) of Gen Y workers agree that given the choice they hope to be working for another employer in 2012, compared to 37% of GenX workers, 27% of younger boomers and 21% of older boomers." (fig. 4.7 ,p. 63)

Metlife. (2012). 10th Annual study of employee benefits trends: Seeing opportunity in shifting tides. New York: Metlife. Retrieved from https://www.metlife.com/assets/institutional/services/insights-and-tools/ebts/ml-10-Annual-EBTS.pdf

The 10th Annual MetLife Study of Employee Benefits Trends was conducted during September and October of 2011 and consisted of two distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,519 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee sample comprised 1,412 interviews with full-time employees age 21 and over, at companies with a minimum of two employees.

According to a 2012 Metlife report, "59% of employers are considering generational differences and needs in their strategic thinking about benefits." That is, they agree with the statement "Our company strives to understand and meet our employees' different generational needs when it comes to benefits...

According to a 2012 Metlife report, "59% of employers are considering generational differences and needs in their strategic thinking about benefits." That is, they agree with the statement "Our company strives to understand and meet our employees' different generational needs when it comes to benefits products, programs, and services." (fig. 4.15, p. 71)

Metlife. (2012). 10th Annual study of employee benefits trends: Seeing opportunity in shifting tides. New York: Metlife. Retrieved from https://www.metlife.com/assets/institutional/services/insights-and-tools/ebts/ml-10-Annual-EBTS.pdf

The 10th Annual MetLife Study of Employee Benefits Trends was conducted during September and October of 2011 and consisted of two distinct studies fielded by GfK Custom Research North America. The employer survey comprised 1,519 interviews with benefits decision-makers at companies with staff sizes of at least two employees. The employee sample comprised 1,412 interviews with full-time employees age 21 and over, at companies with a minimum of two employees.

According to a 2012 Metlife report on a survey of Baby Boomers born in 1946 who turned 65 in 2011, "almost twice as many...stated that they were fully retired as were working full-time at age 65 (45% versus 24% respectively)." (p. 2)

According to a 2012 Metlife report on a survey of Baby Boomers born in 1946 who turned 65 in 2011, "almost twice as many...stated that they were fully retired as were working full-time at age 65 (45% versus 24% respectively)." (p. 2)

MetLife. (2012). Transitioning into retirement: TheMetLife study of baby boomers at 65. Westport, CT: Metlife Mature Market Institute. Retrieved from https://www.metlife.com/assets/cao/mmi/publications/studies/2012/studies/mmi-transitioning-retirement.pdf

Transitioning into Retirement was conducted by GfK Custom Research North America on behalf of the MetLife Mature Market Institute from November 3, 2011 through November 30, 2011. A total of 1,012 respondents born in 1946 were surveyed by random digit-dial telephone contact. The recontacted sample was among 942 respondents from the previous wave of Boomer Bookends: Insights Into the Oldest and Youngest Boomers (2009) who agreed to be recontacted. A total of 450 respondents from this group completed the follow-up survey. The sample was supplemented by an additional sample of 562 respondents from Dunhill.

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