The 2024 Workplace Wellness Survey (WWS) included an oversample of veterans to better understand their opinions about their employer and how they value their workplace-sponsored benefits, as well as the challenges they face balancing work, life, and their finances.
Key Findings
- About 6 percent of workers surveyed identified as veterans. A plurality of workers with veteran status served in the Army, and nearly one-quarter of veteran workers had a spouse or partner who was also either a veteran or currently serving in the U.S. Armed Forces.
- Most veterans separated from the military prior to becoming eligible for full military retirement benefits.
- Veterans tended to report higher levels of financial wellbeing, social wellbeing, emotional wellbeing, and workplace wellbeing than their non-veteran counterparts. However, that is not to say that veterans do not face workplace stressors; similar shares of veterans and non-veterans reported worrying about the effects of their employer laying off workers, reducing hours, or reducing wages.
- Veterans faced similar stressors outside of the workplace as non-veterans. While they were less stressed by paying bills or the amount of debt they had than non-veteran workers, they were more likely to report being stressed by financially supporting loved ones and paying for caregiving services for either an adult or a child.
- Veteran workers were more likely to report intending to stay with their current employer for the immediate future than non-veteran workers. Both groups responded similarly when asked whether it is beneficial to change employers periodically, although veteran workers tended to express a preference for staying at a single employer for a longer time than non-veteran workers.
Figur Figure e 17 20 Figure 25 Figure 8 Figure 23 Figure 11 Figure 30 Figure 14 Share of W W orker Us orkers Strong age of ly Ancillar or Somew y Benef hatits, Agreei by Vetera ng, byn Vetera Status n Status Share of Workers Agreeing That Workers Should Regularly Change Share Share of W oforkers Respon Respo dents nd In ing Figure dicat Th Figure in at 5 g Employ th 1e Follo er w Effo ing rts Impro to Improv ves e Issues Causing Personal Stress, by Veteran Status Share of Workers Responding That Benefits Contribute to Offer Rates Among Selected Benefits, by Veteran Status Fi g ure 11, Issues Caus Emplo ing Pery son ers al St O rv eer ss, th bye Ve Cou terarse n Sta of tus Th ................................ eir Career, by Vetera ................................ n Status ................. 12 Opini 4 Ve Deb Ve P G Ve I Out E n .iv ndno ar t t tVe ce e e e si on n th r r rt d ta a at e icipat t e n n w n , e ro s w a of m a w P t n ns tor or p e s r t v e la he e s e self k k r e tt e e pare o ing ion i e r rm m f r s s d -a ror or a E a ns w ls o te m e e ha o dn n Employ d not d c lik iff ploy a o tt p m he e te e he p a ly rm s p e e ir ir a t p d s o o se r e n ,e oc e fr a e r m d and Per c om rxpress s ia or p m p l w loy and B a e e or non r b te e e e ie c llbe rul ne B lik sa -c va ould e e e tfit ing, ris t ly sf le ne y e s lis o ne a rtsh a c o nal d e fi ns tto y m ion b fi e t e d a t ot d t o P b e p Fin s w a iona out m im rr b it e o ov og p h th p gr an a l w r re r e o ra , e v v e p am e d v e e ces ir hic llbe e a t w tlin o ree a or s ring, w tg ll a i k y r n ete e , a s w he m rit ta s’ he e ir nd is e nt fin r se r no e w une a b rn g or v e t c e ine su ck xpe ia ne e pfit l se rla his p ra c s r ctlly is e c t e co ur ing om d w rm y it e e o p y m llbe t tr o ha aa e e rnd t r e ting, lik he g dte he e w ir w nc ly e it a y e ie lln s w h tm a o sls non e pw of ss e loy o or ll a , d seve -e k v iff vr s t e es. for e tte e rhe re The a r r a a d a l ir n w n w n e v a hous v rm a ie or or st t p k k ie e lo e ehold s rry.s s e .A r ’s Share of Respondents Somew Vetera hatn or WVer orkers y Con bycerned Service About the Following Jake Spiegel is a resea W Th rellbeing ceir h asSense socia tA e, re of He Exce W altorkplace h allent nd W eor Ver altW h, ellbeing aty t he G oo Em, d, pby loy by eVetera e Vetera Benefit n n Re Statu Statu sears ch sInstitute (EBRI). This Satisfaction After Service: Findings From a Focus on Feelings of Financial Security, by Veteran Status Non-Veterans Veterans Non-Veterans Veterans 50% No Non n-Ve -Vete terans rans V Ve ete terra an ns s t Sixt m highe fin d soc ha iv aa e jtioe y n o roffe -g r cr nin it ia e c sh y ono d l w r e of a e fr r d p e om m e v llbe e le e ic rof c t ss a e non e ing ll r v n a y c e t ns om t,- in se of e vhighe re — a m v tns e e on v r 89 tImp e a errr n w re b a a t p p h e l ke n e lactin ne a ie s r or rn non cd e y fit k e nt e tspond a s t ha rr s g e — h - tsl a v a Th tsight e rhe n non . e e te Ve p d eir y ror l a ty fe tha n w e . t- e Hou lrB v td a t e ot v n w or tt the e e he h g r krseho y e a y or ir r n w r V o w s oup k ete v r.e e esom Ve r rr t or a s e e ld’s s ns rt k w e w a e e e it n e rr e w a he r s. Ve r No st e n w Fin ha e r a m n-Ve si tte u or or m ances, tp xt e sterans rk ila e r re te a e o p lik r r n w m a ly s a te r e he e ly lik lnd or y di by r e tor k to lc o e non yu b r v ha Vetera tr s r e e o re r -ndle m e y su v nt spon e a sa g tre e g r tm r ia is e e n an d st p d fied n w e loy Statu une td la ha or e rtw g ha n non r xpe k ; e ite r th th only s rc c ts he t on e r-e e d v y t 9 ir p e r e w ibu or tp c e xpe e e u t rr e r a tre c ions rd n w ns e e m nt nt si eor m or tr rof o e e il e ka p t e ir $5 ror r e s le 0 t m , e v 0e d e nt ls Iss 50ue % Brief was written with ass istance from the Institute’s research and editorial staffs. Any views expressed in A There Pe s rtha hep is s ow c on brc oa e ing p dt ion o a to grte he e f m w ir e or highe nk t pala m rc ong e hous w eAllbe e m hold eing ric a inc b n w ro oa m or dee kse ns , rv s t e bte h ey a ron a t ns td he si diriff m ee p m rly e p d he loy frlping e om r p t la he w yor s ir a k non ekre s s y -v r tea ole ty e r he a in t n p alt he e he y irr a s in t ov nd erp a he rle l w ip r a e out rlln e loo fo ess r k . B on oth Fi V ge urt e e 12r , a Top n ics s Wo in rk th ers W e a 20 nt Thei 2 r 4 Em W ployo err to k No Ep d n-Ve ulac ca terans te or e W AVd ete vis re ae ns ll on, nbe y s Ves te Sur ran Statv use ................................ y .... 12 Non-Veterans Veterans 83% 47% Non-Veterans Veterans 1 Health Insurance 4 b fr sh of ( r ha e 81 e etow v ne self q ir ing ue p efit n b m e-nt rs, c re c w ae n e ly tit nt low t e h om offe d sa he vs ov v p in ld .ings p r a e e 72 rFi r td ea his d g ll he b p ur e w e la inf ne e rit n c a h 3 o e s a fit lt.nt ronly h m s s A nd , d of ah uc td ow ion e 54 it non h a nha iona e , p vw - s e e nc vll it rr rec y .e h a ing t e , sour e nt v ra n a e p n t of a c e s) e d id rnon a , s a dn w a it les w ion nd a -v v or e e a e t t k l ool ll a b e e 3 e rra ne s w s t p s a n w efit o rn e c s or e he rune e , nt k sh lp m e uns xpe row or im s, ep ur n b sh c r lik tov e e ow e e dw e low ly n b e he m xpe to t e e in F he nt rlow ns er a p igur e l he t or he in Figur of t y a e w $5 lt d or 10 h, id. ,0 k. ing 00 e e H Ve m 2 ow p ( 2 tful 59 e loy .e rD lv a p e e e t n w ie e spit rm , ra c e non or e ss ,e nt k a is e e s op - txpo v v ra s m e sn.t c e p su 41 e rose aa r y p n e p rs w h d og e ta o rtv cro e a e e ar n m p e vta e s, )r, rty 48% v d r e e e In ttb ir ete g r t, his a m etn ne he e a n rra ir e nd t , p l,a or A b s non m e ili trv e tayr ic - r ic v e tee o a ttme n fi hose e wre a m ra n w m b the of e s ror a s rt r he mus fin k ee e ra a s a xpa n t ut c shor ia g ending r rv l e ee ea m fo nd tha e r t rhe g 20 sh t et nc he ould tyye ie p ir ae s, a rs e s of not m bnd p e fo loy b be e re t he ne e a rb sc ir fit e ha r ca s t ibe o s a ss ming he e d s ry te sm o sponsibilit of etli e he fe g nib r t .offic le of Som fo the e ry r mil s, t ir e to b hou ita m reus ne raysehold k t e fe re it e s, su tire su s, or ot re m fin c e w h a nt a or he nc b k s e e r er ne r s. e sponso s a t ir fit Ve 86% e rse m .t eExc m e rrnt a s of en n e s w p p ta la tion E lln e y Bs or r RI s e , Saving Enough for Retirement 71% 62% You Trust Your Retirment Plan Provider to Help You Make Quality 44% 52% Transportation Reimbursement 45% Non-Veterans Veterans 71% Decisions About Preparing for Retirement* 56% 79% 79% By Figur Ja e ke 13, Spiege Participal, tion R Emp atloye es Am eong Ben Se ele fictt R ede Bsee ne arch I fits, by ns Ve titut terae n S tatus .............................................................. 13 sh d t a m st im nd iff ruc ow ong e eh ,a r Re n b e 4c tm 5 nt h c tiin % re a or em e c ss n th rlow e e e en nt t tilik to r S e i e v in Figur ir e a a m e vly s t inon he ng e nt tso o a P lt -s sh su lv ah coa e y n (e.g e s a g t2 tr e g e 9 e re m . a ., 4 W st t cn coun I hi ork h n a i 01 n th offe sor -(, L kd i)a fe ,d he 40 e ft r B ing it te m a e 3 a ion to th r l(an rlt b)) ili p a h c highe ct a ll; so ea rr ta s yr., e r m A v e n e w c se ec a t a e o v eg e rr iga m a e d m ns s, w p ingly e tloy ion se r w ge hil e e , nc rrt s, e ehy , re v v inc on e e y ic t xpe e w e luding t, re he ash r ndit n w e ow w m hole ur o tor he n b re ke s, v e ,fe e rlik s w low sa de e e ttly is re e a in F r fied rtl g a e o n m ov r s w igur e w o p erit or r e ee h n r tlik e m 1 t w he 6 a e e. or ls nt ly ir A o k , t m e ing o m em ong xpress r or p e41 loy spond e tlik ho or e re a ’se s d lm y p t o h r tw e e o rae fin ho fe tr e hour e re e spond it w d n he e cre s p r e for e tha r t occur Em fop r loy vete ee ra B ns e ne with fit Re low sea inc ro ch I mens s otr itut dis ea-b Eilditi uc es a.t ion and Research Fund (EBRI-ERF), or their staffs. Neither EBRI nor he he slight a alt lth ins h ly y le and sur s lik aenc m ee ly ot , ion t ao rea r e ll see p yor w n b te tll, he ha y som t ta he lte hy ir a le s “ av nd e ta l o b ple hy f d st si ea c ba k t ll ew y s” aw s a ae nd ll, m a ne and jo ce rfin ss pra a ob rnycle ita o m lly a ( tsec 20 tra c p ur te e a rc nd a end nt r ev w ts ae .in a ll29 , a s w p co em rc ee p ll a nt ets ) it ib p vut e re w psl a or ight re k93% d for lfor y c m eor . e 54% 80% 45% RetiremenHa t Sa viv ng ing S sav Plia ng n* s in Case of an Emergency 39% January 9, 2025 • No. 627 44% 96% In Ano ceth nti er P v W es oub , rk Rewa p lic la He cer W d al st, e h E or G llbe me in am g rge en s cto y or Lo Encou ck ra do ge wn i Non n t -h Re e Ne tirem xt 12 ent 52% 75% 62% t c v offe e w he ont e d etuc e e yrk r r e a w a ibut d a tn ing e nd, tra he e ion p e v p on se m e lic rre p y b a a tloy nt e ir v or ne e es d e rm so a e fit g e s on ur m s, e nt , ing e v w w pes la or ha ta te n he v k rt ia e offe ngs p ns d hir r e a a ing p rb a ing nd a out nd rep s. non d b rt oc hr udg to e - ev w ss ee e e t, t hour ing a ehe trhe alping ns or s p r b p e e e a nha ring r v tw e ic te nc e iuna p ering a k a tns long e bd le m sep a e te to nt rsi a w a trm ha a l he or tila ing n non kr a fo lt rfr a r h b t oe si -m v s, x e e ne tt m w he eon r it fit a h m n st h s. tili c he s d ould tOn a r e ue y xc at he c e o to c plp ou su till ion c tne nt he cs e ss of ir ss of e or ful the su m ly inj p b ir loy si ru highe e d rint e y ize r( e b 5 d g r e 9 rst at e r Ot lik ete he ir ly e E r m 40 B tb o RI e % en rne - e tE p , RF lob fit or sh s, su tow thn b a b ctie h a te s or he low s e ir t m le in F a De v e knta e e rg l o s p igur le In nc f d o se usi y re a t 1 b nc sa ions 9 te. v w ings a E a B on s a RIspe ’ s 202 m ccinor ou cific nt 4 Fina p s, proli ob arcle n e yc m c ia pur rl We (op 52 reosa nt p llbe le yls r nic c . ing eE nhe B tE R v m Ib s .e inv p ne 46 loy itfit e e pr s c s b e Su rco ut em rn v t a m e)r y , e e sh nt su g a ow g on ini ge n b ng tst his ed e a low r foot e tha sea in thold r eFi cm h. gp ur a loy s e e 2r7 s . 2 38% 50% 57% 74% Figure 14, Offer RatS eav s A ingm s, P on rud gMo en Se tnth Fin le sc an te cid al A Bce tin ons efits, by Veteran Status ................................................................ 66% ........ 14 Veterans separating from the military are eligible for disability retirement benefits if they are considered unfit for duty with a 47% 43% Meaningful Work/Work You Enjoy 70% Your Employee Benefits Are Designed to Me Pay et ing You My r L M ife on stth yle a ly B nd ills /o *r 40% 35% 48% p w d p ma r e it a op y rh th k c ce e e a nt ns rsu e e , it v rcr e y siv e . t tsou i41 h o lia ab n w trp e c w e e m r or s t or ca e kk ro nt e r ie for rim )s, d a p c , ar e r s w e o . w o v fin r e e k ll a a m ful nc es ha nt lia tll a im y l he v e ing secu , a alnd tto h, rer w e a and or d nd uc k le w e long g ew ll. aor l a ek rs si hour hour stanc s t s o e ha r, st sh n non op ow w n b -or vee ktlow ie ng ra n for in F w or sigur ix ke m resont , 1v 7 72% e h . ts t H er ow o an w ceavre e or r , for kw er he s t a n it cehil nde dc a or dm t e o t e Ahe m dd p m it loy selves iona ers se lly, hold v ae rc te h fo trh ais n w r vw ie or aw y k s t e V air s s s o io w n I ha ce ult nll d su , ira v a w a nc highe it te e h o a v high re p r r90 op -q ua e pns elit rc ity e y nt w tha or ofk n non b for ene ce -fit v w e s d thil ere e ac n a is s t ls ion o o loo indic ma kk ing e arts et o a th gg a re e t ne em ing r ea d tic teha apl o tosit erm he iv peloy a ld th ow e-rrs h e ns lat atrv e ee d a m td he eb se t Family Needs* 78% 88% disability rating of 30 percent or higher. 71% 60% Paid Time Off/Paid Leave* 64% I ntr35 o% duction The Stock Market Will Be Lower in 12 Months Than It Is Now Figure 15, Shar6 e of Wor Ek mp erls oyTha ee Dit s cUnd ount P errost gram and s/PE artn mp ers loy hips er Provided Benefits Extreme 25% ly Well or Very Well, by Veteran ha ot to he v ae rhy highe lov pot ed he r one hous tica l me (e 54 hold p nu of e rinc cent o bm e v ne e ss a .fit 38 s s w , p be e ot rll. c h g e H nt ouseho r) oup . s rlds espond with ve ed si te m ra ila n w rlyor wkhe ern a s als sk o ed h aw dhe highe therr tle he vy e ls w ould of sa b ving e vs a er 92% ynd interested Job/Income Security 62% 63% e or re ffsponsibilit e pc atys, su day c loa h a ien d ss . highe e bt wre p re rod eit uhe ctirv it ay m on inoarc or coun ma t jof or rp erd ob ucle em d fin for a nc the iail s r hous tress e, hold freq, ue shnt ow lyn b cite elow d by in F emigur ployee r 2s a 66% 8. s a Suggested Citation: Spiegel, Jake, “Satisfaction After Service: Findings From a Focus on Veterans in the 2024 Satisfaction Af Lit fe e Insr uranc S eervice: Findings From a 34% F 29% ocus on 66% Supportive Supervisor 3 Workers are not a monolith, and feelings of workplace, social, or emotional wellbe 33% ing 37% can be influenced by numerous W Unli orkk e 35 e r% s w the St ho re atq us ide uire ................................ ntm ify e nts the fo mr se mlv ilita es ry as v retir e 5................................ te eme rannt s — be ne spe fitcsifi , c the all yre , ................................ q those uirem w ents ho ha for dV a ec te tiv raens ................................ ly Aff seravirs ed ( VA in t )he he a U. lth S. cA a................... r re m b ee dne For fitc es — 14 in t inve he stir m e em ntp s loy tha en non r mak-ing vete tho ran house se benehold fits as. vaFi ila na ble lly, , sh veow tern ans be low had in a sl Figur ighte ly 1highe 8. Fina r e lly d60% uc , aa highe tional a r sh tta ainm re of envte , tb ee ring an workers Physical Wellbeing/Health motiv W aor tion for kplace offe Wer lln ing ess the Su se rvb ee y,” ne E fit BsRI . Issue Brief, no. 627 (Employee Benefit Research Institute, January 9, 2025). 38% You Are Comfortable Using Employer-Provided Tools or Resources to 63% 67% 30% The Amount oS f Deb hort- t I Term Have Di (se.g ab., c ilityredit card debt, car loans)* Veterans in the 2024 Workplace Wellness Surv 46% ey Employers Will Cut Employee Wages/Salaries 23% 65% 48% Subsidized/Complimentary Child Care/Daycare* 79% factors. Perhaps contributing to their higher levels of self-reported workplace wellbeing, ve60% terans were more likely than eligibility are lower; veterans who served for 24 months in active duty and did not receive a dishonorable discharge are face unique challe Mange nage Y s in ourt E he Li mo fe A ti Ins om na uranc e l an ricd M e* an w ental or Heal kpla th*ce. In addition to the difficulties all workers navigate, ve 65% teran workers r m ea pror gina tedll y ta m king orea lik dvealy nt tao ghol e of d td he eg e re de uc s a pta ion o st the r a high dvicesc the ho Figur ir ol ele m e vp e27 loy l. ers offered them (42 percent vs. 29 77% percent of non- 33% Personal Connections With Colleagues 54% 90% Figure 16, LiE fe m Ep ven loty s C er au Offe sing Ch r R an agte i es of n FinaA nc nc iali S lla itua ryti oB n (i ene .e., fit ma s, b rriage Figure y ,Vetera4 n Status ................................................................. 15 Health Savings Account* 32% 18% 61% non -v30 et % erans to report feeling pride in their work, and less likely to report feeling stress or anxiety/depression, shown eligible for VA health care benefits. Ve maty e rfa an cs d e aiff dd eit re iona d frl om cha non llenge -ves a ters t an w he 24% y or rk ee in rs in t tegrahe te ir int po rop theens civ ity ili t ao n w paor rtic k ip for atcee in m follow 22% any in g k ety he bir e ne mili fit ts. C ary ond servit ic ion e. a To l on t bethe ter ir Copyright Informa dti ivoo rcn e: , h Self Thi avins r g -cDescri h eilp dror ent ) isbed copy r Lev ightel ed of by Debt the Em , by ploy Vetera ee Benen fitStatu Reseas rch Institute (EBRI). You may v By ete Ja ra 25 n w ke % Spiege orkers). l, Employee Benefit Research Institute 66% 37% Employers Will Reduce or Eliminate Employee Benefits Share Rating Each Dimension as Excellent or Very Goo 54% d, by Veteran Status Legal Assistance* 64% Long-Term Disability 50% 58% below in Figure 7. Both groups reported similar frequencies of feeling soc 24%ial connection with their colleagues, as well as You Trust Your Health Insurance Company to He 21% lp You Make Quality 19% 65% unde Fi em gur pc loy Vr e op al st u 17 e a y ab rnd , , loffe e E p W rtint mp he or ring lk , o is e yo ersu r e B t Usa he de en ow s t eb g finloa he e e tsne P of se rog fit dA w r, t am nc his or ve sill k /S t a e e ree rr r ry v s f a p i c n or B ea s w se tc ne e solely fo , efit rth es, b is y mor y e r e a Ve p rlik ’e str e e sona W rly Figur aor n Sta tha k l p ala n non n e tc d us e 19 nonc W ................................ -v ee lln om te ers m as Sur n w ercior a vl use e ke y r( s t W , o p W rp ov S ................................ a )r id inc tie cipa d lude tha ted tin t a a 81% ll h n o hea v irre dc r sa o cm op m ............ pie p ale n s r y of ’e s ta in 16 4 Paying for a Medical Need, Treatment, or Prescription 38% 60% Emergency Savings Account Veterans Non-Veterans 21% Jake Spiegel, Craig Copeland, and Bridget Bearden, “2024 EBRI Financial Wellb29% eing Employer Survey: Employers See Emotional Wellbeing/Mental Health 44% Decisions About Your Health and Health Care* Figure 10 90% 77% Health Wellness Program* 25% si mila20 rly % low levels of burnout, loneliness, or fear of letting others down. 68% 70% 57% 48% A de m fin ere icda n w cont or ribut kers w ion ho retide irem Share nteify nt a ps v la of ns e t W e (e ra orkers .g ns .,. 40 The 1( Strong k20 ) a 24 nd e40 dly it3( ion o or Somew b)), f th hee a lW th W ins hat S u int r aA e n18% rc greei veie p w la ens d ng a , v tW is otion insu a ith l of 1,505 ranc feull , lif - e a nd insp ur aa rtnc - e, any and all cE op mpy loy right ers W a ilnd l Layot Oh ff E emp r aloy pp ee lic s o arb Redu le not ce Hou ices c rs ontained therein, and you m 37% ay cite or quote small portions of Resources and Tools to Help You Manage Your Mental HeaV lth ete * rans Non-Veterans 13% Financial Wellness Benefits as a Tool to Improve Worker Satisfaction and Productivity,” EB 17% RI Issue 65% Brief, no. 623 (Employee Paying/Saving for My Children's College Tuition The 2024 Workplace Wellness Survey (WWS) included an oversample of veterans to better understand their opinions Fi gure 18, Employee IntereStep st in A s nc Emp illarylo By eers nefits I Co f N ulot d A Ta lreke adyto Offe Make Sure red, by VeteEmp ran St lo aty uees s ................................ 50% ..... 16 23%14% 44% 52% Figure 3 Flexible Spe Co nd m ing pa n A yc Cu coun ltutre Employer Responsibilities, by Veteran Status 49% he timaeltt h s he Am a r ee vring p icor an w s a t pc ror ov coun kide ers a td s, fin tg ha es ta nc y 21 ou ia –64 l w do , eso ve in lln ce luding ssr bpartog ia m rna a am nd tion s, lon wait lly h p g - re tre o prp rm e esent -rc c ait re a a ttins ion. iveu 26% sa rA an m ny cp eus le , a e of nd b1,00 es yupp ond 5 w le tm he orek nt sc era op s a l he end of ala tth insu n he a d for dr it e aion g noing ce al , Benefit Research Institute, October 2024). Figure 29 86% 62% Are Financially Secure, by Veteran Status about15 tY he % oui A r re e Co mp mfo loy rte ab r le Us and ing He ho E al mp w th I lt o nhe y se urry -a P nc rv oa e vilue ded Too the lsir or Re wor sk ourc pla es c to e-sponsored benefits, as well as the cha67% llenges they face 19% 5% 69% 50% Selected Socioeconomic Characteristics 20% Financially Supporting a Loved One Who Doesn't Live With Me* 31% Employers Will Reduce or Eliminate Retirement Benefits* 45% 90% 9% A Financial Wellness Program* 18% sh Fi ovgow eur rse n b a m 19 e p, low leSha of in F r50 e of 0 ve igur We tor e 1 rk a 3e ns . rI s , m St bprr Ca or inging ong rtea gint lvy i59% ng ly or t S , he t up Som he t po ot rp t a a e rl num op w ndha S ee ns t r v No b A iit ce es g y n-Ve rr e fo of e terans ri ng su an e rv W em it yV h Em e p ete d loy rv ae e ns p t re lo tro y ae n w offe r Re or r sponsibi he keras t ltho ins lit 55 ie ur 9. s, b a 63% ncye , Ve dteefin rae nd contribution requires EBRI’s p Ma rio nar g e Y express our Pers p one ar l Fi mna issi ncon. es* For permissions, ple 46% ase cont46% act EBRI at permissions@ebri.org. Share of Workers Feeling Very or Somewhat Prepared 76% 49% 60% 11% 32% Non-Veterans Veterans 34% b 5 alancing work, life, and their finances. Figure 22 Amount of Paid Time Off* 10% Spiegel, Copeland, and Bearden (2024) (see Endnote 4). Financial Wellbeing 39% 26% 56% 3% StaA tus ccid ................................ ent, Crit9% ical Il Play neis ng s, o forr C Can aregi cer… v ................................ ing Services for an Adult* ................................................................................... 9% 17 retirement plans, dental insurance, vision insurance, and life insurance did not vary significantly between veteran and 10% to Handle Financial Events, by Veteran Status 8% 46% 43% 78% Figure 7 Accid 53% ent, Critical Il Satisfactio lness, or Cancern With Retirement Benefits, by Vetera 53% n Status Employers Will Not Offer Raises or Bonuses* Veterans 14% Non-Veteran 77% s 15% 43% 69% In ge Rne ep ra ol, rt Availabili vetera Ans cces dsiff to ty e ar : Hea e Thi d in a lth s r Coa e num p cor h or He t b ise r al a v th of a Ca ilw a re a b Nav y les on fr iga oto m the r no int n-evre ne tetr a 35% an w t ww orw k.e erb s. The ri.orgy tended to be better positioned to 6 Offer Higher Wages* non-v 40 e Yt % ou er A arn w e Comfo ork re tab rs le Us , In sh su ing ow ra A ncn b I- e* Powered elow Too in Figur ls or Ree s o1 urc 4. esH to ow Man ev ae ger, veterans were more likely to 51% wor 47% k for an employer who Spiegel, CopelS aup nd p, lem and ental B Hea earld the In n s( uran 2024) ce* (see Endnote 4). 26% 86% 5% 50% Key Findings 45% Ability to Work W Rem orkers otely/Hy P ay brid Experi ing for Men encing tal HealNo th n-Ve Car thee terans Follow Veteing rans, by Veteran Status 64% Figure 20, ShareM of arW rieor d kers Strongly or Somewhat Agreeing, by Ve 61 8% t % e* ran Status ................................ 52% ...................... 18 23% 50% Your Employer Has Y ou a Re r Psers pon on sia bli Fi lityna ton Ma cesk *e Sure Employees Are 67% weathe 5% r short-term financial challenges, were more likely to be satisfied by their employer’s benefits offerings, and had 47% 35% 0% 10% Veteran 20 s% Non-Veteran30 s % 40% 50% 81% 60% offered less common voluntary and supplemental benefits, such as accident, critical illness, or cancer insurance, and The U.S. Economy W Fiiln l G an T o I r cad ial nto ilti yon P a Rec ra ep l P ared en ess si fo ion on i r* Re n th tir e Ne emen xt t12 Months* 80% 38% Works 45% Full Time 91%* 45% 82% 6% 73% 10% Expanded Mental Health Bene Vete fitsrans Non-Veterans Paying for Child Care 43% 76% a rosier assessment of their employer’s effor 43% ts to improve their ow 7% n financial wellbeing. However, veterans still face 80% Contribute or Contribute More to a Retirement Savings Plan13% Tabl • e A obf out Co 6 nt pee rcnt ent Di s s of abilw ityor Ins kuranc ers e* surveyed identified as veterans. A plurality of workers with veteran status served in su Figpur ple eP m 21 roe mo , nt tSa es al he a tis Cu fa a ltu c ltt rh ins e o ion Wi f Diur vers tah inc tyE ae m nd c p Iov nc loy le us e ria e vig tyB ee . nefits Package, by Vetera 35% n Status ............................................................. 18 29% ALo veng ra-g Te erm H-o Ca urrs e IW nso ur ra ke ncd e* per Week 16% 40.7* 37.6 28% 85% 30 0% % 69% 45% Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. You Are Comfortable Using AI-Powered Tools for Customized EmploFigure yee 16 49% 10% 85% simila70 r is %sues in the workplace as non-veterans. Veterans face challenges after separating from the military as they join Housing Costs S W tudile l C nt on Loa tinu n Rep e to Ri ays me e nt* 38% Introduction .......................................................................................................................................................... 4 40%the Army, and nearly one-quarter of veteran workers had a spouse or partner who was also either a veteran or Having Str to on Re gly du Ac ge ree Work Hours or St Som op e W wha ork t A ing g t ree o Care for a Nei19% ther Agree nor Di 6%sagree Somewha 35% t Disagree Stron 25% gly Disagree Benefit Recommendations* 82% Household Income Less Than $15,000 1%* 3% 63% Employee Assistance Programs (EAPs) Stock Options or Equity Awards Program* 5% Employer Offer Rates of Ancillary Benefits, by Veteran Status Fi gure 22, Satisfaction With Retirement Benefits, by Veteran Stat33% us ................................ 41%........................................ 19 70% 6% Child/Loved One for 6 Months* 3% a n unfaTi m mili e f aorr Co Co civ ntri m ili b ma uu te n n ity ow r A Co or cti n k vtri itfo ib eu sr te /V c M e ol u oa n re nd te te or a in na n g E *vm iga ergtee n cunf y Saa vm ingili s P alr a nemployer-sponsored benefits. And they are just as likely as currently serving in the U.S. Armed Forces. 54% 76% 12% 2% 70% SouH rce o: u 2se 024 h EBRI/G old Inco reem nwe a ld $ Res 15,e0 a0 rc0 h– W $o2 rk 4 p,l9 ac9 e9 Wellness Survey. 2% 4% 60% A Financial WeP lln ay eis ng s P for ro C gra ar m egi * ving Services for15% a Child* 33% Demographics and Soc 20% ioeconomics ......................................................................................................................... 4 An Emergency Savings Account* 5% 89% Cos 54% t of Health Care* 84% 27% non-v 20 et % erans to be concerned about their household’s fin 0%a 0% ncia 10 l w % ellbe 20 20% ing % as w 30%e 40 ll % as 40t % o rep 60 50 or % % t anxi 60 e% ty 80 a %b70 ou %t the 10 80 ir0% % 67% 80% Figure 23, ShareH of ouW seor hok lde r In s co Re mspond e $25,0 ing 00–Tha $34t , 9E 9m 9 ployer Efforts to 4 I% m*prove Wellbeing Are E 7% xcellent or Very Good, by Your Employer Has a Responsibility to Make Sure Employ No ee ns -V A erte e rans Veterans 0% 10% 20% 30% 40% 50% 60% 0% 30% 0% 10% 20% 30% 40% 50% 60% P hysic 50 a% l, Mental, Financial, and Workpla 0%ce We 10 llbe % ing20 ................................ % 30% 40% 50 ................................ % 60% 70% 80............................... % 90% 100% 6 61% Financially Secure and Well • Most veterans separated from the military prior to becoming eligible for full military retirement benefits. e mployer reducing wag Ee du s or cate E im mp plle oym ees e o nt n S ing avinla gsy an offs d B.u dgeting* *In *In dd ic ic aa te te ss s s ta ta titi ss titi cc aa llly ly s s ig ig nn ifi ifi cc aa nn t t dd iff iff ee re re nn cc ee b b ee tw tw ee ee nn v v ee te te ra ra nn ss a a nn dd n n oo nn -v -v ee te te ra ra nn ss a a t t aa 5 5 % % s s ig ig nn ifi ifi cc aa nn cc ee l e le vv ee l.l. Veteran S HoA ut rse a mt yh us ol d ................................ Income $35,00% 0Na 0–v$ y49, 10 99 ................................ %9 20% A30 ir For % ce 7% 40% ................................ 50% Marine 60 Corps % 709% % ................................ 80%Coast G 90% uard 100% ...... 20 P Ve er tha era pn s r s d ela id, te how dly, evveetre, ra en w xpress ork e grrs w eate erre in m te orre est lik in w ely or to k 0% rin ep gly for tha a tsi t 20 ngle he %y p ela mnpne loy 40 de % tro for sta a yn e w60 it xt h th %ende eird c p ue 80 rr re iod %nt of emtp im loy 10 e. 0% eW r for he n 60% *Indicates statistically significant difference between veterans and non-veterans at a 5% significance level. So So uu rc rc ee : : 22 00 22 44 EBRI/G EBRI/G re re ee nn w w aa ld ld Res Res ee aa rc rc hh W W oo rk rk pp la la cc ee W W ee llln ln ee ss ss Su Su rv rv ee yy .. 36% *In *Ind diic ca ate tes s s sta tati tis sti tic ca alllly y s siig gn niifi fic ca an nt t d diiff ffe ere ren nc ce e b be etw twe ee en n v ve ete tera ran ns s a an nd d n no on n--v ve ete tera ran ns s a at t a a 5 5% % s siig gn niifi fic ca an nc ce e lle ev ve ell.. Figure 13 Resources and Tools to Help You Improve Your Mental Health* Household Income $50,000–$59,999 7% 7% Participation in SoE urc m e: p 2loy 0 *In 24 d e EBRI/G ice a Sourc te B s se re ta e: ne ti e 20 s nti w fit 24 ca al l d lEB P y Res srR iog gI/G n eia fir ree c rc a ah n m nw t W ds al o iff rk ................................ d ere p R la n es c ce e ea W brc ee tw h lln W ee es ork n s v Su pl ete a rv c ra e e y n W .s el an lne d n ss o n Surv ................................ -vete ey ra . ns at a 5% significance lev................................ el. 46% ............13 40% a the sk ene d 10 xt how % tw long o ye atrhe s. yS how p So ru erc fe e n b : r2r0e 2 ed 4low EBRI/G to w in F or reek igur nw for alde Res one 2e 4 a, rc 82 e h m W op p rkloy e pr lac ce e e rnt W , ea lof ln e highe sv s e Sutrv er e r ya sh .ns a rindic e of avte etd e rta hn w at tor hekye r ps larnne eplie d dt o 16 st– a20 y w yit eh th ars eir Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. 41% *Indicates statistically significant difference between veterans and non-veterans at a 5% significance level. Being Unable to Work and Earn Income for 6 Months Due to Illness Figur •e 24 Ve , W teor rak ne s t r’s P ende Sola urc ns d e: t 2to 0o 24rSt e EBRI/G p aor y tW rehi eit ng h T whe ald he r Res le ir ev aC e rcls u h W r r of oe rkn p fin t la cE a em n Wc p eia lllnoy el w sse Su r e llbe rv Ov ey.eing, r Nesoc xt Tw ial w o e Yllbe ears, b ing, ye Ve mot teiona ran S l w taetllbe us ................... ing, and 20 Participation Rates Among Selected Benefits, by Veteran Status 20% Household Income O ffe $6 r/E 0,nh 00 an 0c –e $P 7ai 4d L ,99 ea 9ve Benefits 8% 8% N otably, veteran workers tende Soud rc et: o 20e 24xpress EBRI/Gre g enrw eaa ldt e Res r e sa arcth is W fa ork ct pion w lace Weit llnh th ess Su e rv ir e yb . enefits than non-veteran workers. Sixty or Injury* c cur om re pnt ar e fid r m w it fo h r non the -im vem tee ra dn iat w eor fut keur rs ( e, 17 com pe pra creent d w vsit.h 11 75 p p er ecre cnt ent ), of show non n b -ve etlow era nin Figu s. Vete re ra 24 n a . nd Non non -ve-tveertaen w ranor wkor erks, ers 50% 43% Opinions of Employers and Benefits ................................................................................................ 59% .......................17 30% workplace wellbe Emp ing loyee tha Din th scoune t P irr onon gram-sv /P eartn terers an coun h No ips n-Veterans terparts. Vete Hrow ansever, that is not to say that veterans do not face 50% Household Income $75,000–$99,999 21%* 15% 45% percent responded that they wer47% e either extremely or very satisfied with their current benefit offerings, compared with Figure 25, Share of Workers Agreeing That Workers Should Regularly Change Employers Over the Course of Their Retirement Savings Plan (e.g., 401(k), b mot ea h nw hehil ld esi , m ha ila d ra v highe iews on r pr w ohe petns heitry w th or ak n ve ers sh terould an w ror eg kula ersr ly to crh ea pnge ly tha job t ts ove hey prr e the fer r ce od ur tse o w of ortk he for ir caan e ree 84% m r, psh loy ow ern b fore 2 low –5 75% About the Workplace Wellness Survey Figure Figur e 12 9 0%workplace stressors; similar shares of veteransFigure and non 18 -veterans reported worrying about the effec 91% ts of their Ve Whe ter n a ansk w Ye or ou dk r E a eb mp rs ou loy dtiff er Ha fiv eree s d b a Re rfr oa om sd pon c t s a he ib te iliir ty g to or non Ma ies of - kv e S et ub e re E e ra ne n mp fit c loy ount s, v eese A etr re e pra arnts w s in se erev m eror al me e lika eni lyngful w than non ays. Fi -vete rs rta, nts t heo y rte ep nde ortd t h to atb te h e old y er Job Satisfaction ................................ House4h 0o 3l(d b )I )n * come $100,................................ 000–$124,999 ................................ 14%* ................................ 10% ....................19 Offer/Enhance Mental Hea 43% lth Benefits* 43 pe20 rc% ent of non-veteran workers, shown below in Figure 21. This is despite the fact that the median number of Career, by Veteran Status ...................................................................................................................... 21 in F y earigur s (2e1 p 25e. r cent vs.A 13 Ma jor P perrc ob elnt em)*. Figure A Minor Pr6 oblem* Not a P35% roblem 10% Healthy and Physically Well Topics Workers Employ W eeant Assis Th tance eir Prog Emplo rams (EAPy ser )* to Educate or Advise on, by Veteran 83% Status Respondents’ Ratings of Their Work-Life Balance, by Veteran Status Employee Interest in Ancillary Benefits If Not Already Offered, by Veteran Status employeH r ola use ying holdoff w He In al co th I m or ne sk ue $ rar 1nc s, r 25 e* ,0 e0 d0 uc –$ ing 149hour ,999s, or reducing 12% wages. 14% fe tC ha o lt n non nc thelus y - unde ve ion terrs a tn w oodor the ker se s. A be m neafit jos e rityit he of rv e etxt er re ans me ( ly 5 2 p wee ll or rce nt ve)r y w w ere ell. ag Ae si s g 35 nif –i49 cant , c om shapra er e of d vw eit te h ra 41 n w pe or rc ke ent r44% s r of espo non nde - d 89% benefits offered did not meaningfully differ between veteran workers and non-veteran workers (10 vs. 9), although 40% Debt, Preparedness, and PShare ersonal Fina of W nc orkers es ................................ Reporting the ................................ Following Occurre ................................ d at 9% ............22 *Indicates statistically significant difference between veterans and non-veterans at a 5% significance level. 36% 10% 6% Figur The e 26W , P or re kp fe la rH rce o ed u W se Le e hngth o lln lde Iss n co of Su m Tim e rv $e1 e y5 t 0 (o W ,0W 0 W 0or – S) $k, 1 9 for now 9,9 One 9 9 in it E s m fif ptloy h y ee ra , rb, y 14% w Ve as fie teralde n S dt a to tus exa ................................ mine a 15% ttitudes t 80% owar.................. d benefits in 21 44% v weitth a era n w highe ork re self rs, -sh raow tedn b unde elow rst in anding Figur e of 2he . Sim alth, ilar rly eNo t, ir25 n-Ve em p e terans e nt rc , e ant nd V of ete volun non ranst-a vr eyt eorra n w supor ple km ere s w nta el b ree ane gefit s s, a 21–s w 34, ec ll a om s b paerne edfit s Denta Offe l In r/E su nh raan ncc ee Physical HealthNo Ben n-e Vfi ets terans Veterans Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. While concern over workplace wellbeing has been trending downward in recent years, about half of American workers v eterans were slightly more likely to be offered benefits in the first place, as 95 percent of vete 33% rans we85% re offered at Their Employer in the ExcelP lent/ as Very t 12 Goo M d onths, Fair/Poor*by Veteran Status AE n Un xpan ex dpe edc M ted en E tal x Hea pensle o th B f $ ene 5,00 fits 0* * • 50%Veterans faced similar stressors outside of the workplace as non-veterans. While they were less stressed by C onclusion ...........................................................................................................................................................24 Household Income $200,000–$249,999 Figure 26 6% 5% 41% the 0% workplace. It examines a broad spectrum of financ 7% ial wellbeing, employment-based health insurance, and 78% w and ith r11 esour perccees t nthe of irv e em tep ra loy n w eror pk rov ers. ide Ve s tto erhe an w lp w orit kh e ers m wot erio ena als l a o nd muc fin h am ncor iae l w lik ee llbe ly ting, o be sh m ow ale n b ; 85 elow pe rin F cent igur of e v e1t5 e. ran How to Save for College 55% still rep 0% ort being either moderately or highly concerned about their household’s financial wellbeing. Veteran workers are le ast one benefit compareV dis w ion I ith nsu 89 ranc pe* ercent of non-veteran wor 29% k 11% ers. 42% Figure 35 27 % , Self-Described Level of Debt, by Veteran Status ................................................................84% ..................... 22 30% Emotional Wellbeing/Me Empl ntal oyW ee ork Dis plc aoun ce W t P erlo lbe griam ng ( se.g /Par .,tners Ho hFigur ips usehole d's24 Financial Social Current Health Overall paying b Pr H ill os or u eferred seh o the ld I n aco m Len m oun e $ gt t2 of 5 h 0 ,d of 0e 0b 0Tim t o trhe Me y o rto ha e d W V tha eork fo tern non ans r - No vO e n-tne V e4% erte arn w Emplo ans orkey rs, t er, he by y w Vetera ere 5% morn e Statu likely ts o report being Extremely/Very Satisfied* Not Too 27% Satisfied/Not at All Satisfied* retirement benefit issues. The 2024 WWS included an oversample of veteran workers to allow for closer a 46% nalysis 12% P we or rha kep rs w s the er e highe male r , le cv om elsp a of rep da w rtiit ch ipa only tion in 46 p be erne cefit nts ob of no sen rv -e vd et e ar m aong n wor ve kteerrs. a nVe s m tea ra yn bw e or linkkeerd s w we itr h hig e alshe o m r le orvee ls lik of elyt he to ir E ndnotes In ................................ centives, Rewards, or Games ................................ O to ffe Er nc /Eou nhran age ce N Di on sab -Re iliti ty rem Ben en e ................................ tfiFigur ts* e 28 .............................................................25 HealtHo h* w to Manage S en tud ga eg nt em Loa ent, n Deb stretss, Wellbeing* Wellbeing/Re 22% lationships 78% slightly more optimistic about their household’s financial wellbeing but face challenges of their ow 76% n, especially as they 44% 14% Your Employer Has a Res Li W pfe onorker’s Ins siburanc ility toe* Ma Plans to ke Sure EmployStay ees Are With Their Current 24% Employer 45% 32% HigS h aS vich ngs o,o P l rG udrea nd t Fi ua nta e ncial Actions* 11%* 16% 35% 82% stressed by financially support mo ing ralelov )* ed ones and 23% paying for careg Wiv ith ing Frien ser ds an vic d Fam es fo 23% ily r* either an adult or a child. Figur of e 28 the , Ty cha plle es of ngeD s t ehe bt y C onsi faced in t erehe d a ir Ma finjaor nc o iarl w Minor ellbe P ing. roble The m, a b 12% d yv Ve antte argaen St of a an o tus v................................ ersample is the ability.................. to control 22 Types of Debt Considered a Major or Minor Problem, by Veteran Status b unde e Bla rst ck a nding than non *In of dicat- te he v s Me e sse t ta nta e tir sb tia llc ye n w a H lne ly ea sfit ior lg thy ns. ik fi an ce ar nd E s t d , iff mo a es w re tin ocna ee b lll a le ytw W es sl el en l vigh eteratnly s ale nds ns lik on-vee tely ran t so at b a e 5% of sign H ifiis cap nca eni lev ce lor . Latino origin. reintegrate into the civilian work force after their military service. Encouragingly, veteran workers overwhelmingly How to Manage Caregiving for a Loved One* 42% 69% 20% 20% 20% 30% Over Next Tw Vete o rYear ans s, by Non-Veterans Vetera 19% n Status Transportation Reimbursement 41% Traditional Pen Trsa ion de o o r Defi r Vo ne ca d B tio en na efi l t S Pch lanool 7% 4% Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. Contrib*In ute d ior Con cates sta triti bu stite calM ly ore t signio He ficant lpi ding ffere En m ce pl b oy etw ee es e P n v ay ete O ra ff S ns tud anden notn-veterans at a 5% significance level. 20% 75% 39% for important factors that are strongly associated with many of the results about workplace wellness. In 26% 28% 30% 29% 29% 13% Access to a Health Coach or Health Care Navigator* reported feelin Soug rc ec : om 2024for EBRI/G tabre lee ninf walor d Res ming earcht W he ork ir p lae cm e W peloy llnese sr Su s rv of ey.their status as a veteran. And veteran workers were no more 40 90% % How Voluntary/Sup Lp ola em n De ental bt Benefits Work 72% Figure 29, Share of Workers Feeling Very or Somew Vha etetrFigur aP nr sepae No re n 21 d -V e to terH ana sndle Financial Events, by Ve 35% teran • Veteran w Soor me k e Cro s w llege ere more likely to report int 27% ending to st 22% ay with their curr59% ent em 21% ployer for the im 27% mediate 15% 28% An Emergency Savings Account Veter Figur ans e No 15 n-Veterans Figures An Unexpected Expense of $500* particular, veterans face challenges in the workplace — such as those faced when ret 66% urning to the civilian work Incentives, Rewards, or Games to Encourage Non-Retirement Savings 17% 37% likely 90 to %report feeling stressed about saving enough for retirement, despite most veteran workers separating from the Status ................................ Colle Satisfactio ge Graduate (n 4-ye W a................................ ith r de g Emplo ree) yee Benef ................................ its 42% Package, by ................................ Vetera37% n Status ................... 23 Whicfut h Vo ulun retar tha y/Su n non pplement -ve alt Ben eraefi n w ts Me oret Y ker our s. B Need oth g s roups responded similarly when asked whether it is be 81% neficial to 25% 0% 0% 10%20% 20% 4030 %% 4060 %% 50% 80%60% 10 700% % Share and Prudent of Fi na W ncorkers ial Actions That Understand Emplo18% yer Provided 61% Benefits 38% 79% 28% 82% force — and as a re Ssu horlt- t Tm erm ay Di sy sab sit lie tymatically differ from non-veterans. Due to these unique challenges, this Issue Legal Assistance* 25 80% % 77% 10% 64% 35% military before they are eligible for full military retirement benefits. 19% 34% Graduate or Professional Degree 18% 22% Figure 1, cVe hange tera n em Wp or loy ke errs b s p Hoye w to rSe iod P rv ric ep ic a are Y e ll ................................ y, ou alt r Ta hoxugh es veteran w................................ orkers tended to express ................................ a preference for st...................... aying at a single 5 80% *Indicates Extremely statistically significa W nt diell fferenor Ver ce betweeny v eW teraell, by ns and non -vVetera eterans at an 5%Statu significans ce level. 25% Figure 2 18% 52% Figure 30, Share of Workers Re 75% sponding That Benefits Contribute to Feelings of Financial Security, by Veteran B80 rie %f more closely ex *In adm icaine tes ss taw tisti or cak llye srig s w nificho ant dha iffere dn ca el b so se etweenr vv ee ted ra nin t s anhe d no nU. -veS. teraA nsr m at e a d 5% For signc ifie cas n cb e y le vus el. ing the measures A Health Savings Account* 33% Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. *Indicates statistically significant difference between veterans and non-veterans at a 5% 61% significance level. Expanded Men 23% tal Health Benefits 20% employer for a long Source e: r 2 0t2im 4 EBRI/G e tha ren non enwald Res -ve et ae rcr ha V W ete n w ork ra por ns lace k W er e No s. llnn-Ve ess Su terans rvey. 27% 32% Determining the Right Amount of Life 21% or Disability… 0% 20% 40% 60% 80% 100% 70% TranspoSe rtation le R cte eimd bu D rsem em eno t graphic Characteristics Status ................................................................ Non-Veterans ................................ 22% Veterans ................................................... 24 developed in the WWS. 20% Additionally, veterans are overwhelmingly male, so at first glance, some of these differences may speak to differences Figure 30 70 2, % % Selected Demographic Characteristics ................................................................ 54% ................................ 32% ....... 5 Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. Long-Term Disability 70 0% % 61% *Indicates statistically significant difference between veterans and non-veterans at a 21% 5% significance level. 20% How Family or Medical Le 62% ave Benefits Work 27% Pride in Your Work* Social Connection Stress* Anxiety or Burnou 19%t at Work Fea 26% r of Letting Loneliness between men and women regardless of veteran status. However, we found that both male and female veterans tended Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. Employee Assistance Programs (EAPs) 60% 65% 60% 20%Stock Options or Equity Awards Program Health Benefits* 13% 22% 60% 57% 29% Fi gure 60 3, % Selected Socioecon With om Colic le ag Cha uesracteristics ................................ Depression* ................................ Others Do................................ wn at ..... 6 Subsidized/Complimentary Child Care/Daycare* Veterans Non-Veterans 17% 60% Help With Wills or Estate Planning 60% 77% 55% 21% 25% 22% to fare better in the workplace than their respective non-veteran counterparts. Many of these findings are not Work 16% 50% Accident, Cr *Indiit cia cte als A Il sg lne ta e tis s ss ti, o 2 ca1 lrl– y C 2 san i4 gnc ifi er In cant sd u iff ra enc ren ece between veterans and non-v2 e% tera *ns at a 5% significance level. 4% 24% 57% How Much You Should Contribute to Your HSA 31% 50% 21% Fi atg trur ibu e t4, abSha le solely t re Rato ing geE nde ach D r diff ime erns enc ion a es. s Excellent or 48% Very Good, by Vetera21% n Status ................................ 1 ................. 7 So Re us rc oeurc : 20 e2 s4 a EBRI/G nd Too re ls e n to wHe ald lRes p Yo eu I arcm h prov Worke Y plac ou e W r M elen lnetal ss Hea Survle th y. Perha50 ps %an opinion formed by their service time, veterans also displaye 12% d a stronger preference toward staying with an 50 15% % Over half of veterans left the military before reaching the threshold for military retirement. 28% As such, these workers Caregiving Support and Services* 56% Ages 25–34 9%* 46% 21% Retirement Benefits* 18% 43% 20% A Financial Wellness P 13% rogram* 13% 24% How to Consolidate or Repay Debts* 56% 15% 70% 42% 14% employer for a long period of time than non-veteran workers did. 17% 41% W nehil ede tha o p lf of lan ca all w reful ork lye r for s e txpress heir reetd ir e am low ent aam nd ount ma y of ac lsoo nc ne ere n o d tv o ec r atthe ch up ir fin tao nc the ial w ir non ellbe -ving ete r — an p and eevre s w terho ansha in p d baere tic n ular Ages 35–44 43%* 32% 40% Dem Figure o 5, gr Sha aphic re of Re s spond and eS nt o s Somew cioeco ha no t or m Ve ics ry Concerned About the Following57% Im 13% pacting Their 13% Household’s 40% That is not to say that all is rosy for veteran workers. They were more likely to re 24% por23% t being stressed in particular by 11% 40% A Health Wellness Program 0% 10% 20% 30% 40% 50% How Your Health I Ca nrs eu gi ra vinc nge W Sup ork pos rt and Services 56% 23% 27% c re onsi pors te te dnt low ly c eon r le trv ibu A egls et s ing of 45 c– tonc o 54ee m rp n o loy ve err- sponso their fina red n cria etl w iree m llbe ent 20% ing acc — oun the ts. re Jus wetr e ov st er ill one wor -k th pir la 22% dc e of st vre etss ero arns s t r heatti rreedm fr aom ined t he top Finances, by Veteran Status ..................................................................................................................... 8 Ve Jotb eraS nat wor iskfact ers ap ion pea r to have slightly different financial stressors than non-veteran workers. Both g 33% roups were 15V % oluntary/Supplemental Benefits Your Employer Makes Available but 40% 11% c Ve arte eg ra ivning s ardeut aie rs e, la rteiv pe or lyt ing sma m ll b ore ut fr im eqpue ornt taln yt tp ha arn non t of the -ve ctie vrili aa n w n w or or kk e rfor s tha ce. t A the bout y 24% w 6 erp ee st rcreent ss e of d w ab or ou ke t rp s ary eing portfo ed r 10 30% % 39% There are a few areas in whi *In cdh ve icate Ho st s w an e tartia sns ti HS ca llA a y W nd sigork nifinon csant d -iv ffe ere te ncrea bn es d tweeiff n ve ete red rans in t and n he onir -ve op teraini ns aons a t a 5% sb igout nifica n the ce leir v ee l.mployer, however. 30% Long-Term-Care Insurance* 30% You Pay For* Ages 55–64 27% 51%25% 22%58% of m ili m ta ind ry, a im mp ong lying Am ate rle icaast n w 20 o rykeearrss of . Ov serv er siix c ein a 10 nd of qua blif otih cavte ion te rfor ans a rend tirenon men-tv e bteene rafit ns e s. xpress An add eit dion conc al 11 p ern o ev rc ee r ntthe of similarly stressed by saving So enoug urce: 20h for 24 EBRI/G ret re ir ee nw m ale d nt Res a eand rch W ha ork vping lace W enoug ellness h sa Surveyv .ings in case of an emergency. However, 30% 26% 10% 21% v Ve ca er tte e eg rra a iv n ning s e staxhi serv tusb, it ic te he ed s for highe plur e ait lit rhe sa y rof t is an a fa whom ctdion w ult — or i t47 a h th c p hil e erd ir c. e cThey w nt ur r— ent serv e em reep d a loy ls in t o erm he . o Six rA er t y m lik -y fou e, ly sh rt o ow perre n b cp eor nt etlow rte ha spond in Figur 26% t thee yd c e ons t ha 1.t ide Ma the rny eyd w v the e etre e irr a e le n itv s he e— ls r Access to a Health Coach or Health Care Navigator 21% Fi Ve gtur ere a n 6, s w Sha ere re m of orW e or likk ee ly rs R to e ep itor he tr ing strto he ngly or Follow so ing meOc wha cutr ra eg dr e ae t Their tha 36% t t he Em yp tloy rusetr tin het irhe re P tir ae st m 12 33% ent Mon plan p ths, rov byide 25% Ve r tt eo ram n ake Ma Re le ducing Financial Stress in General* 85% 25% 46% Supplemental Health Insurance* 20% v p e ot te ernt an w ial io mrp ka ec rs w t on erte he m ire ho dicuasehold lly retir fin eda fr nc oe m s of thet he mili ir te am ryp ; lt oy he ese r im ve ptle er m ae nnt s d ing id not layoff res or ach 20 ye reduca ing rs of hou serv rs, irce ed , uc but ing ins or t ead 48% 26% 20 10% % veteran workers were slightly less frequently stressed by paying monthly bills or the amount of debt they have, and W of 23 ext he m rpee n a em rdce ic e sk ly a nt l a e o d — rnd w v a e ha ls he ryo t a sspe h lt aa h tis d -cr fied ifi e al c a spo a t e ll w y dus it c d h th e ont e b or te r ibut a ir ps w a crur e tne e s t rll a ernt o w s p p jho osi ob ay , t w iv d ca a o es y m fe e loa p it e a h 13% lin rn d e erg d s of a ew ls bit to h a w a 55 p or vre ob k tp p ee la le rra c m cn o e e nt for wr e of w llbe the anon s ing, irc ur ho -vre v us ete nt ete re ly hold arn w a ser n w .or vor ing ke kres. in t rs looke Th he is U. md S. a y m A b u re m c ha e d lik e Benefits/Resources Your Employer Makes Available to Help With 42% Status ..................................................................................................................................................... 8 q uality decisions about preparing for retirement, that their benefits are designed to meet their lifestyle and/or family Black 15%* 2 9% 33% How to Budget, Reduce Debt 39% 12% e Blim oth ve ina 20t % ting eran a bene nd fitnon s, or c -veu te ttria nn w g sa or lakre ie rs s, show broadly n b fe elt low tha in F t a igur wide e 5 ra . nge Vet eof ran b ew ne or fit ke s c rs ont werrib e ut lee ss d lik to etly he tir ha fe n no elinn g -of vetfin era anc n ial qualified for retire Am Fle ent xibi lb e e Sne pend fit ing s on Accou ac nc tount of their military disability rating. 29% 5% Financial Wellbeing* 58% they more frequently reported being stressed by financially supporting a love 48% d one w 22% ho does not live with them and by For dow cns e10 s.t r % Th eam is is eff ae highe ct of v re sh tea ra re n w tha or n for kers ’ non opini -vons on eLe te ga ra l A ns ss t, he isonly tainc r e e m 9 p ploy erce ernt ’s e of ffor whom ts to ha hed lp aim sp pouse rove or wor pk ae rtrne wr e llbe who ing; wav s eetit ehe ran r s a their non-veteran peers. While these two groups differed on the extent to which the amount of paid time off 10% needs, and that the Asi ya n a ro er c Po am ciffor ic Itsl aa bn le d eus r ing employer-provide 8%d tools to manage their fin 24% 8% anc 5% es as well as their physical 34% 5% How to Build Emergency Savings 3% w secu orkre itr 5% y s . tA o s re light porlty b highe eing e r it sh he arr esom of v ee wtha era t nor w v or er ky e rcs on recp eor rne ted d a tb ha out t r e tt he ire c m os ent t of sahe vings p alth cla arns e, , ppearid hatpim s a es off, a r elif su el tins of ur the anc ire , Figure 7, Workers Experiencing the Following, by Veteran Status .............................................................................. 9 33% p Fia na ying lly, for the c re a ra ergeiv m ing anserv y wor ice ks, plaecit ehe ch r afor lle 0% nge an a s d 10 w ult or % k oerr s f a 20 c % rhi eq ld ue , 30 sh nt %ly ow na n b 40 viga e %low te in F t50 ha %tigur trans e 60 11 % ce.nd Ve 70 vte e % tre arn w an s 80 or % ta kteus rs w . 90Ve % erte e ra a 10 ls n 0% o and more c w v ont eetreer r a ibut cn o onsi erd st c u te o rn ra t ely n sense trly o si ser e rof v in t ing. wor h e kir p la ass cee s wsm ellbe enting of (tnon heir- v ee m te prloy ans e rw ’s ee rff e or mtor s e in im likep lyr otv o ing citew tor his kp ) la and ce w tim ellbe e for ing, coe m m m ot uiona nity l White 67% 69% 42% and m 10 e% ntal hea 1% lth, sh 1%own below in Figure 20. Veterans were also 3more likely to strongly or somewhat agree that they Benefits/Resources Your Employer Makes Available to Help With 43% 0% e ac ligib cide ilint 0% ty/ c for rit ic va el illne teranss s’ he insu altrh a nc beene Re , fin tifit rem s (8 an en ctia 0 p Pl w lane ne r inc lln gent ess v sp.r 89 og rp ae m rs, cent and ). d Thi isas c bilion ty cins ern is not urance c eont ntirre ibut ly w ed it hou to fe t c ea lin us ge s of . While 21% *Indicates statistically significant difference between veterans and non-veterans at a 5% significance level. lik non ely -v t eo terre aspond n wor kte hras w t the ery e w siis mhe ilad rly t he likir e ly e m to ploy repeor r te d euc xpe atre iednc or ing ad ne visgeadt iv weor fe ke er lin s on gs a how t wor to k. m Ba ot nh g ager oup caring s refor p 44% or a te lo d v in ed Subsidized/Complimentary Child Care/Daycare Emotional Wellbeing* 56% wellbeing and Yem s, e I nt Waa nl he t to W aolt rk h, fo rp Thi hyssi Ec m a pl w loyee r*llbeing, No, I aW nd ant fin to a Wnc orkia fol w r a Di ellbe fferein nt g Em tp ha loyn non er* -ve No te , r I a Pn w lan toor Re ke tirr es, show or Stop Wn b orkin e glow in a ctivities/volunteeH ring ispan (w ichich veterans were more likely to1 1 c% ite *), veteran workers and n 16% on-veteran workers largely Extremely/Very Satisfied* Not Too Sati22% sfied/Not at All Satisfied* Fi arg eur m eo 0% 8, re Sha comrfo e rof tab Re le So spond u us rceing : 20e 2A 4 nt EBRI/G Is I tool ndi re s, b ecna wt a ot ing ld h w Res the eit arc h r hFoll W eospe rk ow plac ing cet W to eIl m lntehe p ssr ir Su ov rv p e ee s The yr .sona irl f Se ina ns ne c eof s a W nd orfkor pla gce ene W re allbe tinging, bene by fit Ve teran Physical, Mental, Financial, and Workplace Wellbeing 0% v fin etaenrc aia ns d l secu id not rity , ne show cessn b arile ylow express in Figur gre ea t 30 er. cH onc owe ervn o er,v non er t- he ve tim erp aa n w ct on orktehe rs w ir fin ere a n not ces fa , v re b te erhin an w d in la orkerr gs w ely earg er m eeor ing e 0% 10% 20% 30% 40% 50% one simil , ash r p ow rop n b ore tion lows t in F hatigur in t eh 1 e2 p . aN st on 12 -v e m te on ratn w hs, or the ke yr s, ham d e ea xpe nwrhil ienc e, e w de b re ur m nout ore, lik lone elylin to ess re, spond and a t ha fea t rt he of y le w tting isheot d h the ers ir Less Than 2 years 2–5 Years* 6–10 Years 11–15 Years 16–20 Years* 21+ Years 0% *Indicates statistically significant difference between veterans and non-veterans at a 5% significance level. F re igur spond e 2e 3d . similarly, shown below V ein ter aFi nsgure 8. Other factors, like work-life balance — No nor -V ela terc ak n sthereof — can be a source Status ................................................................................................................................................... 10 0% recommendatio *Inns dica.te s statistically significant difference between veterans and non-veterans at a 5% significance level. 0% 20% 40% 60% 80% 100% 0% 10% 20% 30% 40% 50% W hile veterans can face challenges after separating from the military and joining the civilian work force, findings from lik wit eh th ly th ea se n non sent Cred -im vit C ee te ard De nrta sn w . Re bt or tirke Pe ers m rs t e ont na o l Lo r sa ean p vor ings, or Li t tne ha pt a id tMe he tdi iim r c ae e l o m off, a r p Heal loy th- e nd rs ha he Sa tud dlt lh in ea nt id Lsu oa off w nr Deb anor ctek w er B e s or uy re Now, st rr eong P duc ay e La cd ont te hour r ribut Ps a ayo da r nd s t y Lo o im anfe p Debt ose elin *d g s hir of ing *Indicates statistically significant difference between veterans and non-veterans at a 5% significance level. e d m ow pn. loy B eot r a h ve d Bv ud ised g te et rCu a or ns ts /Res e ad nd uc trica non tion tesd- vw e La or te yo k rffs a en r or Re s on s we du r how e ced a Hou ls to o rsi sre m dila ucrelHi y fin rilik nga Fr e nly c eia ez to l esst r *e rp ess or tin g thae tS ne al cr ae r ra yd Fr l a itee c na zd er sd how de btto Re , c p du onsoli ecrtisona on od r l loa a Elt im e ina or ns ti o rn o or ep fa line y s SourcSo e: 2urc 024e: EBRI/G *In 20 dic24 ate re E s e s n BR ta wa tiI s ld /G ti c Res a ree llye s nw airc gn h ald ifi W ca Re on rk t d pse ilff ac earc e re W nch W e ell n be es ork tw s e Su e pla nrv ve ce ey te . W ranelln s anes d ns S on-v urv eteey ran.s at a 5% significance level. of stress in t *Inhe dic aw tesor sta ktip stila cac lle y s. igE ninc ficaour nt diffa eg reingly nce be, twv eee nt ve er tea ra n ns a s annd d nonn -von ete- rav ne s t ae t a ra 5n %s siga nli ifik ca en cd e e lesc velr .ibed their work-life balance as either of Credit Debt Related Debt* Loans *In So diu crc ate e: s2 s0 ta 2ti 4s EBRI/G tically sre ign ein fiw ca an l d t d Res iffee re an rc ch e W beo tw rke pe la nc v ee W tera elln ns e s as n d Su nrv on e-yv.eterans at a 5% significance level. Source: 2024 *In d EB ica R te I/G fo s r s ree E tamp ti nw stial c lo a d y lle R y es es sig * ea nifi rc ch an W t d ork iffe pl re an ce c e W bel etw lne es es n Surv veteey ran . s and non-veterans at a 5% significance leE ve mp l. loyee Benefits t he WWS suggest that this does not necessarily manifest in lower levels of wellbeing. In fact, veteran workers on Fi fr fin e ga e ur n ze c eia s, show 9, l secu Respond rn b ity e rlow e ent gas’ rin F dRa less igu tin of g re s of v6 e.t e Their ran st W at or us. k- Life Balance, by Veteran Status ......................................................... 10 Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. d of eb cr ts. ed it debt, and student loan debt were problems for their households. *Indicate So s u sta rcti es : ti 2c 0a 2l4 ly EBRI/G significa re ne t n dw iffa elre d n Res ce e ba erc twh e e W no vrk ete pla ra cn es W an ed lln n eo sn s- Su vete rvra eyn .s at a 5% significance level. excellent or very good in similar proportions, shown below in Figure 9. Non-veteran workers were slightly more likely to *Indicates statistically significant difference between veterans and non-veterans at a 5% significance level. *Indicates statistically significant difference between veterans and non-veterans at a 5% significance level. Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. a verage reported higher levels of wellbeing than non-veteran workers. Across four different dimensions, a higher share Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. Source: 2024 EBRI/Greenwald Research Workplace Wellness Survey. report having a fair or poor work-life balance, however. Figure 10, Steps Employers Could Take to Make Sure Employees Are Financially Secure, by Veteran Status ............... 11 of veterans self-rated their wellbeing as either excellent or very good than non-veteran workers, shown below in Figure e e e e e e e e e e e e e e e e e e e e e e e eb b b b b b b b b b b b b b b b b b b b b b b br r r r r r r r r r r r r r r r r r r r r r r ri. i. i. i. i. i. i. i. i. i. i. i. i. i. i. i. i. i. i. i. i. i. i. i.o o o o o o o o o o o o o o o o o o o o o o o or r r r r r r r r r r r r r r r r r r r r r r rg g g g g g g g g g g g g g g g g g g g g g g g IIIIIIIIIIIIIIIIIIIIIIIIs s s s s s s s s s s s s s s s s s s s s s s ss s s s s s s s s s s s s s s s s s s s s s s su u u u u u u u u u u u u u u u u u u u u u u ue e e e e e e e e e e e e e e e e e e e e e e e B B B B B B B B B B B B B B B B B B B B B B B Br r r r r r r r r r r r r r r r r r r r r r r rief ief ief ief ief ief ief ief ief ief ief ief ief ief ief ief ief ief ief ief ief ief ief ief A r e • • • • • • • • • • • • • • • • • • • • • • • •s e J J J J J J J J J J J J J J J J J J J J J J J Ja a a a a a a a a a a a a a a a a a a a a a a a ar n n n n n n n n n n n n n n n n n n n n n n n ncu u u u u u u u u u u u u u u u u u u u u u u u ha a a a a a a a a a a a a a a a a a a a a a a a r r r r r r r r r r r r r r r r r r r r r r r r re y y y y y y y y y y y y y y y y y y y y y y y y p 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9o ,,,,,,,,,,,,,,,,,,,,,,,, r2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 t 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 fr2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 o5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 m • • • • • • • • • • • • • • • • • • • • • • • •t h N N N N N N N N N N N N N N N N N N N N N N N N eo o o o o o o o o o o o o o o o o o o o o o o o E ........................ 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