What is financial wellness?

Financial wellness can refer to your overall financial health, but it’s about more than the size of your bank account. It’s feeling good about your financial situation and knowing what to do next with your money. It also applies to your ability to withstand an unexpected money crisis — caused by a bad economy or disability — from the size of your emergency fund and the amount of debt you carry, to partial income protection via disability insurance. 

Money problems affect our sense of overall health and well-being. These worries can cause mental health issues, such as depression.2 The stress can also lead to physical health problems, such as diabetes, cardiovascular disease, or stroke.3

But you can improve your financial well-being with a financial strategy—no matter what your budget or goals. And your employer can manage its workforce’s well-being with a holistic approach that supports financial, emotional, and physical wellness. 

Employers are finding that they can more effectively help their employees by taking a holistic approach to managing workforce well-being. Workplaces can support financial health with a variety of efforts including broad insurance benefit options for more adequate protection, college tuition savings plans, financial education, and benefits enrollment support. They can provide emotional wellness with employee assistance programs  and work-life balance initiatives like telecommuting, flexible work schedules, and paid family leave, and support physical wellness with incentive programs, on-site medical centers, and return-to-work accommodations.

Your oral health: a window into your overall health

Oral health touches every aspect of our lives, from the smile we show the world to helping us eat. And dental health isn’t just about your teeth—it’s also the key to a healthy life overall. 

How we care for our teeth and gums can impact us in so many ways. With good oral care, people are less likely to have heart disease, osteoporosis, and diabetes.4  Dental health issues are the most common—and preventable—health concerns affecting the American public. 

This section will provide insights and tips for improving the oral health of you, your family, and even your employees.

Gum disease is an infection of the tissues that support the teeth and is a major cause of tooth loss in adults. The American Dental Association believes the most important thing you can do to avoid gum disease is to brush twice a day with fluoride toothpaste, floss daily, eat a balanced diet, and visit your dentist regularly for oral examinations and professional cleaning. 5

People 65 and older are more susceptible to “dry mouth,” which can be caused by health conditions and medications.6 It’s important to limit cavity and gum disease accelerators like this by flossing daily, brushing twice a day, and limiting the use of tobacco and alcohol. Talk with your physician and dentist about dry mouth. Also, preventive screenings can detect oral cancer early, so you should have your conversations sooner.

Recover from illness or injury

Get back on your feet sooner

When you’re coping with an illness or injury, you want to recover and get back to normal as soon as possible. A solid backup plan to help protect your income is essential to help cover your expenses while you rehabilitate. Here’s how to create that plan so you can recover more quickly in the event of a health event or accident so you can return to healthy living. 


Consider opening a flexible spending account (FSA) or a health savings account (HSA) that will help you put aside money in advance to cover health care costs. Review options for supplemental insurance, such as accident, critical illness, cancer, or hospital insurance that will provide you with a sum of money depending on what treatments you receive. These types of insurance may be offered by your employer or privately.

Your employer may offer a disability income insurance policy as well as supplemental coverage that helps cover more than just your baseline income. Many types of disability income protection are available. Individual disability policies are also available through a financial representative. Apply while you’re healthy and these policies will be there when you need them.

Employers can help ensure their employees get back to work in a safe and timely matter through the support of their disability programs, which offer return to work services such as vocational rehabilitation.

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