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Every year, employers pour billions of dollars into benefits designed to support employees’ health, financial security, and overall well-being. It’s a massive investment—nearly 30% of total compensation in the U.S. goes toward employee benefits—yet much of that investment goes underutilized and underappreciated. (Source: BLS, 2024)
Why? Because employees don’t use what they don’t know they have—and they don’t always recognize the true value of what’s available to them.
From health insurance and 401(k) matches to mental health support and gym reimbursements, companies offer more benefits than ever before. But even when employees are aware of these offerings, they often don’t fully understand their impact. Many don’t realize that benefits represent a significant part of their total compensation—or what they’re leaving on the table by not using them.
At Nayya, we see this every day. Employees make major healthcare and financial decisions without realizing they have access to cost-saving resources. In fact, only 31% of employers believe their workforce fully understands the benefits available to them. (Source: HR Review, 2024)
This is more than an engagement issue—it’s a health and wealth issue. When employees don’t know about or use their benefits, they’re more likely to pay out of pocket for care, accumulate medical debt, and make financial decisions that negatively impact both their short- and long-term well-being.
The numbers tell a clear story—particularly in three key areas:
A 401(k) match is one of the most powerful wealth-building tools available, yet many employees don’t take full advantage of it. Employer matches of 3-5% are standard, but a study by Financial Engines found that one in four employees fail to contribute enough to get their full employer match, leaving behind an average of $1,336 per year in free money. Over 20 years, that missed match could amount to approximately $42,855 in lost retirement savings—not even accounting for compound growth.
Many employees underestimate how these contributions grow over time. A seemingly small percentage today can snowball into hundreds of thousands of dollars in retirement through compounding. By not maximizing their match, employees aren’t just missing free money—they’re missing out on long-term financial security.
Employers are investing more than ever in wellness incentives, mental health programs, and family planning benefits, yet awareness remains a major issue. A survey by AIHR found that 40% of employees are unaware of their employer's wellness programs, meaning valuable resources like fertility assistance, therapy, and wellness stipends often go unused.
Fertility Support: Around 60% of companies now offer fertility benefits, yet many employees continue to struggle with the financial burden of treatments—simply because they don’t realize their employer provides support.
Mental Health Benefits: Many employees don’t know that therapy sessions, coaching, or crisis support are already covered in their benefits package. With 40% of employees unaware of their employer’s wellness programs, mental health resources often go underutilized.
When employees miss out on these programs, both they and their employers lose. Greater awareness could help thousands of employees access critical support—without the out-of-pocket costs.
HSAs are a powerful tool for managing healthcare expenses, but without awareness, many employees fail to fund or use them effectively. Employers are contributing an extra $300-$500 on average to HSA accounts, yet many employees either underfund their HSAs or don’t use them at all—missing out on tax advantages and long-term savings.
According to the Employee Benefit Research Institute, the average employee contributes just $1,962 to their HSA, far below the annual limit, and only a small percentage choose to invest their funds for future growth. This means employees are not only missing out on triple tax advantages (pre-tax contributions, tax-free growth, and tax-free withdrawals for medical expenses) but also losing out on the ability to build a safety net for future healthcare costs.
The result? Employees end up paying out of pocket for expenses their employer is already covering, leading to unnecessary financial strain. And when financial strain increases, health outcomes worsen.
The connection between health and wealth is undeniable: when employees aren’t financially stable, they’re less likely to seek preventive care, more likely to delay necessary treatments, and ultimately at greater risk for long-term health issues.
There’s another hidden cost of this benefits disconnect: billions of dollars in supplemental health reimbursements go unclaimed every year.
Employees enroll in accident, hospital, or critical illness insurance but forget they can submit claims when they need them most. It’s money they’re entitled to—money that could be going toward medical bills, recovery costs, or simply easing financial stress—but instead, it sits unused.
That’s why we built Nayya Claims—to make sure employees actually get the money they’re owed.
The average family can’t afford a surprise $400 medical expense. With Nayya Claims, employees don’t have to. And employers don’t just need to offer great benefits—they need to ensure employees actually use them.
That means:
✔ Better education
✔ Smarter integrations
✔ Proactive claims support
The reality is, employees have more benefits than they realize. And right now, too much money is being left unclaimed, too many employees are paying for services they already have access to, and too many employers are watching their investments go underutilized.
It’s time to change that.
Want to learn how Nayya Claims can ensure employees get the benefits they’re entitled to? Let’s connect.
