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The money worry effect

Why employee financial stress is becoming a workforce strategy issue

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Learn how employers can take a more connected approach to employee financial wellbeing, health benefits, pensions and workplace support.

3 in 4 workers worry about money at work. Is your benefits strategy connected enough to respond?

Money worries do not stop at the workplace door.

NFP Ireland’s latest research found that 75% of workers worry about their personal finances at work at least sometimes. The same research found that only 36% of adults are confident they will be able to afford private health insurance in the next two to five years, while 58% of workers feel underpaid or undervalued.

For HR leaders, wellbeing leads, reward and benefits decision-makers, finance directors and business owners, this raises an important question:

Are financial wellbeing, health benefits, pensions, protection and employee communications working together as one connected employee support strategy?

Access the guide to explore what the data means for employers and how a more connected approach can support financially steady, healthier and more resilient teams.

75%

of workers worry about personal finances
at work at least sometimes.

36%

of adults are confident they can afford
private health insurance in the next 2–5 years.

58%

of workers feel underpaid
or undervalued by their employer.

Why this guide matters

Financial wellbeing is no longer just a personal issue for employees. It is increasingly shaping workforce resilience, employee engagement and the overall employee experience.

Across Ireland, employees are managing money worries, rising household costs, questions around pay, concerns about health insurance affordability and uncertainty about the future of work. These pressures can shape how people feel, how supported they are and how they value the benefits available to them.

For employers, the opportunity is not to solve every personal financial challenge. It is to create clearer, more connected support around the moments that matter.

That means looking at financial wellbeing, health benefits, pensions, protection, reward and communications together — not as separate initiatives.

What you’ll learn

Inside the guide, we explore:

  1. Why financial stress at work should matter to employers
  2. How money worries are showing up during the working day
  3. Why health insurance affordability is now part of the financial wellbeing conversation
  4. How pay, value and employee confidence are connected
  5. Why future uncertainty can affect financial resilience
  6. Five ways employers can build financially steady teams
  7. How NFP can support a more connected wellbeing and benefits strategy

Who this guide is for

This guide is designed for:

HR
leaders

Wellbeing
leads

Reward and
benefits teams

Finance
directors

Business
owners

Senior
decision-makers

The money worry effect

Financial pressure is already showing up in the working day. If you would like to explore what this could mean for your people, NFP Ireland can help you review how your financial wellbeing, health benefits, pensions and employee communications are working together.

Sarah McGurrin Chartered Tax Advisor, QFA FLIA
Head of Employee Benefits

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Start the conversation

Whether you are reviewing healthcare costs, preparing for pension reform, or seeking to strengthen engagement, we would welcome a conversation.

Let’s make your benefits work harder and ensure your people strategy does as well

Get in touch Learn more

NFP Ireland Consultants Ltd t/a NFP Ireland, NFP is authorised and regulated by the Central Bank of Ireland. Registered office: Second Floor, Block 4, Blackrock Business Park, Co. Dublin and its directors are Colm Power, Louise Gallagher, Duncan Jarrett (British). Registered in Ireland No: 415534.

Disclaimer
This guide is provided for general information purposes only and does not constitute legal, regulatory, or professional advice. Legislative requirements may change as EU directives are transposed into Irish law. Organisations should seek appropriate professional advice before acting based on this content.

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