Understanding the types of debt workers carry can help guide more effective financial wellness strategies.
Filter by group to compare.
All workers vs. Workers in construction
Debt
All workers
Workers in construction
Any debt
82%
87%
Credit card
54%
59%
Car loan
35%
33%
Medical
20%
26%
Mortgage
34%
36%
Personal loan
20%
28%
Student loan (for self and family)
20%
13%
Employees told us their wellness wows — benefits that would be a wow factor for them:
Simple tools for budgeting, debt tracking and goal setting can make a measurable difference in financial confidence. Setting a retirement savings goal makes employees three times more likely to contribute 15% or more of their income.
used the resource
had a positive impact
used the resource
had a positive impact
used the resource
had a positive impact
Gen Z
Wellness tools can help reduce stress, build confidence and improve financial well-being, but only if employees know they exist and how to use them.
That’s the catch: The same lack of confidence these tools are meant to solve often keep employees from engaging.
Awareness, education and simplicity are critical. Employers play a key role by positioning wellness as essential, not extra, and making access and understanding easy.
Feeling more confident about managing my finances/health in the first place
20%
13%
14%
Having a clearer vision of what I’d gain from the program
15%
13%
13%
Having a more specific goal for what I’m trying to accomplish that I can work toward
12%
13%
12%
Ranked 1st
Ranked 2nd
Ranked 3rd
Get the whole story
Benefits done well can help transform employee confidence, loyalty and retirement readiness. See what’s possible — download the full Wellness@Work white paper.
The 2025 Wellness@Work Study is based on a national survey of 2,509 full-time workers who are eligible to contribute to an employer-sponsored retirement plan, including 2,004 participants and 505 non-participants. Greenwald Research, a third party market research firm, conducted the study on behalf of Lincoln Financial. The 19-minute online survey took place from January 31 to March 4, 2025. Data is weighted by demographics to reflect the total population.
Insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. Both are Lincoln Financial companies. Product availability and/or features may vary by state. Limitations and exclusions apply.
Guaranteed income solutions are offered as a group variable annuity. The guarantee is provided by a contract between the client/plan sponsor and The Lincoln National Life Insurance Company that provides a plan participant with guaranteed annual retirement income. All contract and rider guarantees, including those for optional benefits, guaranteed income, or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
A group variable annuity is a long-term investment product designed particularly for retirement purposes and may not be suitable for all investors. Group annuities contain both investment and insurance components and have fees and expenses, including administrative and advisory fees. The annuity’s value fluctuates with the market value of the underlying investment option, and all assets accumulate tax-deferred. Withdrawals may carry tax consequences, including possible tax penalties.
The content provided herein is for informational purposes only and should not be considered investment advice or a recommendation to purchase a particular investment option.
Lincoln Financial affiliates, their affiliated distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Clients should consult their own independent financial professionals as to any tax, accounting, or legal statements made herein.
Investors are advised to consider carefully the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying investment option before investing. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment option. Please call 800-234-3500 for a prospectus. Carefully read it before investing or sending money. Products and features are subject to state availability.
There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.
This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as “Lincoln”). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products, and services.
Lincoln Financial (“Lincoln”) is the marketing name for Lincoln National Corporation and its affiliates, including Lincoln Retirement Services Company, LLC, The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Affiliates are separately responsible for their own financial and contractual obligations.
No insurance purchase is necessary to use the WellnessPATH® Marketplace.
Lincoln is not affiliated with third party vendors provided through the WellnessPATH® Marketplace.
Lincoln may receive a marketing distribution fee for third party products purchased through WellnessPATH® Marketplace. Depending on the arrangement, it may be a flat-dollar fee or a percentage of fees received by the third party vendor ranging from $1 – $600 per purchase transaction.
Lincoln and its affiliates do not provide advice about the products and services offered by third parties. The information provided through WellnessPATH® Marketplace is general and educational in nature and should not be considered professional advice. Everyone’s circumstances are different and before making a financial wellness decision, an appropriate professional should be consulted.
WellnessPATH® Marketplace may offer links to third party websites that are not part of Lincoln’s websites (“Sites”). Lincoln does not own, control, or endorse the content or products and services available through these third party websites. Lincoln does not assume any responsibility for any losses or damages in connection with the security, privacy practices, or content of any third party websites. These third party websites may have privacy and security policies that differ from our Sites.
Privacy | Legal | © 2025 Lincoln National Corporation
9/25 Z01
Order code: WPS-WAWDE-IDE001
LCN-8175851-071525
Understanding the types of debt workers carry can help guide more effective financial wellness strategies.
Filter by group to compare.
All workers vs. Workers in construction
Debt
All workers
Workers in construction
Any debt
82%
87%
Credit card
54%
59%
Car loan
35%
33%
Medical
20%
26%
Mortgage
34%
36%
Personal loan
20%
28%
Student loan (for self and family)
20%
13%
Employees told us their wellness wows — benefits that would be a wow factor for them:
Simple tools for budgeting, debt tracking and goal setting can make a measurable difference in financial confidence. Setting a retirement savings goal makes employees three times more likely to contribute 15% or more of their income.
used the resource
had a positive impact
used the resource
had a positive impact
used the resource
had a positive impact
Gen Z
Wellness tools can help reduce stress, build confidence and improve financial well-being, but only if employees know they exist and how to use them.
That’s the catch: The same lack of confidence these tools are meant to solve often keep employees from engaging.
Awareness, education and simplicity are critical. Employers play a key role by positioning wellness as essential, not extra, and making access and understanding easy.
Feeling more confident about managing my finances/health in the first place
20%
13%
14%
Having a clearer vision of what I’d gain from the program
15%
13%
13%
Having a more specific goal for what I’m trying to accomplish that I can work toward
12%
13%
12%
Ranked 1st
Ranked 2nd
Ranked 3rd
Get the whole story
Benefits done well can help transform employee confidence, loyalty and retirement readiness. See what’s possible — download the full Wellness@Work white paper.
The 2025 Wellness@Work Study is based on a national survey of 2,509 full-time workers who are eligible to contribute to an employer-sponsored retirement plan, including 2,004 participants and 505 non-participants. Greenwald Research, a third party market research firm, conducted the study on behalf of Lincoln Financial. The 19-minute online survey took place from January 31 to March 4, 2025. Data is weighted by demographics to reflect the total population.
Insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. Both are Lincoln Financial companies. Product availability and/or features may vary by state. Limitations and exclusions apply.
Guaranteed income solutions are offered as a group variable annuity. The guarantee is provided by a contract between the client/plan sponsor and The Lincoln National Life Insurance Company that provides a plan participant with guaranteed annual retirement income. All contract and rider guarantees, including those for optional benefits, guaranteed income, or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
A group variable annuity is a long-term investment product designed particularly for retirement purposes and may not be suitable for all investors. Group annuities contain both investment and insurance components and have fees and expenses, including administrative and advisory fees. The annuity’s value fluctuates with the market value of the underlying investment option, and all assets accumulate tax-deferred. Withdrawals may carry tax consequences, including possible tax penalties.
The content provided herein is for informational purposes only and should not be considered investment advice or a recommendation to purchase a particular investment option.
Lincoln Financial affiliates, their affiliated distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Clients should consult their own independent financial professionals as to any tax, accounting, or legal statements made herein.
Investors are advised to consider carefully the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying investment option before investing. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment option. Please call 800-234-3500 for a prospectus. Carefully read it before investing or sending money. Products and features are subject to state availability.
There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.
This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as “Lincoln”). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products, and services.
Lincoln Financial (“Lincoln”) is the marketing name for Lincoln National Corporation and its affiliates, including Lincoln Retirement Services Company, LLC, The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Affiliates are separately responsible for their own financial and contractual obligations.
No insurance purchase is necessary to use the WellnessPATH® Marketplace.
Lincoln is not affiliated with third party vendors provided through the WellnessPATH® Marketplace.
Lincoln may receive a marketing distribution fee for third party products purchased through WellnessPATH® Marketplace. Depending on the arrangement, it may be a flat-dollar fee or a percentage of fees received by the third party vendor ranging from $1 – $600 per purchase transaction.
Lincoln and its affiliates do not provide advice about the products and services offered by third parties. The information provided through WellnessPATH® Marketplace is general and educational in nature and should not be considered professional advice. Everyone’s circumstances are different and before making a financial wellness decision, an appropriate professional should be consulted.
WellnessPATH® Marketplace may offer links to third party websites that are not part of Lincoln’s websites (“Sites”). Lincoln does not own, control, or endorse the content or products and services available through these third party websites. Lincoln does not assume any responsibility for any losses or damages in connection with the security, privacy practices, or content of any third party websites. These third party websites may have privacy and security policies that differ from our Sites.
Privacy | Legal | © 2025 Lincoln National Corporation
9/25 Z01
Order code: WPS-WAWDE-IDE001
LCN-8175851-071525
Understanding the types of debt workers carry can help guide more effective financial wellness strategies.
Filter by group to compare.
All workers vs. Workers in construction
Debt
All workers
Workers in construction
Any debt
82%
87%
Credit card
54%
59%
Car loan
35%
33%
Medical
20%
26%
Mortgage
34%
36%
Personal loan
20%
28%
Student loan (for self and family)
20%
13%
Employees told us their wellness wows — benefits that would be a wow factor for them:
Simple tools for budgeting, debt tracking and goal setting can make a measurable difference in financial confidence. Setting a retirement savings goal makes employees three times more likely to contribute 15% or more of their income.
used the resource
had a positive impact
used the resource
had a positive impact
used the resource
had a positive impact
Gen Z
Wellness tools can help reduce stress, build confidence and improve financial well-being, but only if employees know they exist and how to use them.
That’s the catch: The same lack of confidence these tools are meant to solve often keep employees from engaging.
Awareness, education and simplicity are critical. Employers play a key role by positioning wellness as essential, not extra, and making access and understanding easy.
Ranked 1st
Ranked 2nd
Ranked 3rd
Feeling more confident about managing my finances/health in the first place
20%
13%
14%
Having a clearer vision of what I’d gain from the program
15%
13%
13%
Having a more specific goal for what I’m trying to accomplish that I can work toward
12%
13%
12%
Get the whole story
Benefits done well can help transform employee confidence, loyalty and retirement readiness. See what’s possible — download the full Wellness@Work white paper.
The 2025 Wellness@Work Study is based on a national survey of 2,509 full-time workers who are eligible to contribute to an employer-sponsored retirement plan, including 2,004 participants and 505 non-participants. Greenwald Research, a third party market research firm, conducted the study on behalf of Lincoln Financial. The 19-minute online survey took place from January 31 to March 4, 2025. Data is weighted by demographics to reflect the total population.
Insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. Both are Lincoln Financial companies. Product availability and/or features may vary by state. Limitations and exclusions apply.
Guaranteed income solutions are offered as a group variable annuity. The guarantee is provided by a contract between the client/plan sponsor and The Lincoln National Life Insurance Company that provides a plan participant with guaranteed annual retirement income. All contract and rider guarantees, including those for optional benefits, guaranteed income, or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
A group variable annuity is a long-term investment product designed particularly for retirement purposes and may not be suitable for all investors. Group annuities contain both investment and insurance components and have fees and expenses, including administrative and advisory fees. The annuity’s value fluctuates with the market value of the underlying investment option, and all assets accumulate tax-deferred. Withdrawals may carry tax consequences, including possible tax penalties.
The content provided herein is for informational purposes only and should not be considered investment advice or a recommendation to purchase a particular investment option.
Lincoln Financial affiliates, their affiliated distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Clients should consult their own independent financial professionals as to any tax, accounting, or legal statements made herein.
Investors are advised to consider carefully the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying investment option before investing. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment option. Please call 800-234-3500 for a prospectus. Carefully read it before investing or sending money. Products and features are subject to state availability.
There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.
This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as “Lincoln”). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products, and services.
Lincoln Financial (“Lincoln”) is the marketing name for Lincoln National Corporation and its affiliates, including Lincoln Retirement Services Company, LLC, The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Affiliates are separately responsible for their own financial and contractual obligations.
No insurance purchase is necessary to use the WellnessPATH® Marketplace.
Lincoln is not affiliated with third party vendors provided through the WellnessPATH® Marketplace.
Lincoln may receive a marketing distribution fee for third party products purchased through WellnessPATH® Marketplace. Depending on the arrangement, it may be a flat-dollar fee or a percentage of fees received by the third party vendor ranging from $1 – $600 per purchase transaction.
Lincoln and its affiliates do not provide advice about the products and services offered by third parties. The information provided through WellnessPATH® Marketplace is general and educational in nature and should not be considered professional advice. Everyone’s circumstances are different and before making a financial wellness decision, an appropriate professional should be consulted.
WellnessPATH® Marketplace may offer links to third party websites that are not part of Lincoln’s websites (“Sites”). Lincoln does not own, control, or endorse the content or products and services available through these third party websites. Lincoln does not assume any responsibility for any losses or damages in connection with the security, privacy practices, or content of any third party websites. These third party websites may have privacy and security policies that differ from our Sites.
Privacy | Legal | © 2025 Lincoln National Corporation
9/25 Z01
Order code: WPS-WAWDE-IDE001
LCN-8175851-071525
Understanding the types of debt workers carry can help guide more effective financial wellness strategies.
Filter by group to compare.
All workers vs. Workers in construction
Debt
All
Construction
Any debt
82%
87%
Credit card
54%
59%
Car loan
35%
33%
Medical
20%
26%
Mortgage
34%
36%
Personal loan
20%
28%
Student loan (for self and family)
20%
13%
Employees told us their wellness wows — benefits that would be a wow factor for them:
Simple tools for budgeting, debt tracking and goal setting can make a measurable difference in financial confidence. Setting a retirement savings goal makes employees three times more likely to contribute 15% or more of their income.
used the resource
had a positive impact
used the resource
had a positive impact
used the resource
had a positive impact
Gen Z
Wellness tools can help reduce stress, build confidence and improve financial well-being, but only if employees know they exist and how to use them.
That’s the catch: The same lack of confidence these tools are meant to solve often keep employees from engaging.
Awareness, education and simplicity are critical. Employers play a key role by positioning wellness as essential, not extra, and making access and understanding easy.
Ranked 1st
Ranked 2nd
Ranked 3rd
Feeling more confident about managing my finances/health in the first place
20%
13%
14%
Having a clearer vision of what I’d gain from the program
15%
13%
13%
Having a more specific goal for what I’m trying to accomplish that I can work toward
12%
13%
12%
Benefits done well can help transform employee confidence, loyalty and retirement readiness. See what’s possible — download the full Wellness@Work white paper.
The 2025 Wellness@Work Study is based on a national survey of 2,509 full-time workers who are eligible to contribute to an employer-sponsored retirement plan, including 2,004 participants and 505 non-participants. Greenwald Research, a third party market research firm, conducted the study on behalf of Lincoln Financial. The 19-minute online survey took place from January 31 to March 4, 2025. Data is weighted by demographics to reflect the total population.
Insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. Both are Lincoln Financial companies. Product availability and/or features may vary by state. Limitations and exclusions apply.
Guaranteed income solutions are offered as a group variable annuity. The guarantee is provided by a contract between the client/plan sponsor and The Lincoln National Life Insurance Company that provides a plan participant with guaranteed annual retirement income. All contract and rider guarantees, including those for optional benefits, guaranteed income, or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
A group variable annuity is a long-term investment product designed particularly for retirement purposes and may not be suitable for all investors. Group annuities contain both investment and insurance components and have fees and expenses, including administrative and advisory fees. The annuity’s value fluctuates with the market value of the underlying investment option, and all assets accumulate tax-deferred. Withdrawals may carry tax consequences, including possible tax penalties.
The content provided herein is for informational purposes only and should not be considered investment advice or a recommendation to purchase a particular investment option.
Lincoln Financial affiliates, their affiliated distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Clients should consult their own independent financial professionals as to any tax, accounting, or legal statements made herein.
Investors are advised to consider carefully the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying investment option before investing. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment option. Please call 800-234-3500 for a prospectus. Carefully read it before investing or sending money. Products and features are subject to state availability.
There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.
This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as “Lincoln”). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products, and services.
Lincoln Financial (“Lincoln”) is the marketing name for Lincoln National Corporation and its affiliates, including Lincoln Retirement Services Company, LLC, The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Affiliates are separately responsible for their own financial and contractual obligations.
No insurance purchase is necessary to use the WellnessPATH® Marketplace.
Lincoln is not affiliated with third party vendors provided through the WellnessPATH® Marketplace.
Lincoln may receive a marketing distribution fee for third party products purchased through WellnessPATH® Marketplace. Depending on the arrangement, it may be a flat-dollar fee or a percentage of fees received by the third party vendor ranging from $1 – $600 per purchase transaction.
Lincoln and its affiliates do not provide advice about the products and services offered by third parties. The information provided through WellnessPATH® Marketplace is general and educational in nature and should not be considered professional advice. Everyone’s circumstances are different and before making a financial wellness decision, an appropriate professional should be consulted.
WellnessPATH® Marketplace may offer links to third party websites that are not part of Lincoln’s websites (“Sites”). Lincoln does not own, control, or endorse the content or products and services available through these third party websites. Lincoln does not assume any responsibility for any losses or damages in connection with the security, privacy practices, or content of any third party websites. These third party websites may have privacy and security policies that differ from our Sites.
Privacy | Legal | © 2025 Lincoln National Corporation
9/25 Z01
Order code: WPS-WAWDE-IDE001
LCN-8175851-071525
