Employee Benefits Survey

Employee Benefits

The SHRM Employee Benefits Survey returns with new insights for 2023.

Health Care Comes First

On the tail end of a pandemic and amid rising medical costs, health care remains the most important benefit type that employers feel they can offer to their workforce. Facing reminders of the difficulties during the COVID-19 pandemic, organizations continue demonstrating caution and concern for employees’ well-being. This is likely to continue for the foreseeable future.

Health insurance is not employers’ only concern, however, as differentiation in other health benefits may come with added perks to boost recruitment and retention efforts. The prevalence of health savings accounts (HSAs) has reached a historic high. Meanwhile, employers are paying close attention to various reproductive benefits their employees may value. On the wellness side, organizations are starting to reinstate lifestyle perks and further encourage healthy habits, with data showing a slight rebound from the pandemic-recovery dip in 2022.

Continue below to explore health-related benefits and what organizations like yours are offering.

How Do Your Benefits Stack Up?

Use the tool below to explore benefit categories by industry, organization size or location

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of organizations offer a fully insured health plan, meaning the organization pays a fixed premium amount to an insurer, which then pays the medical claims.


Health Plans


of organizations offer a self-insured health plan, meaning the organization operates its own health plans and typically pays medical claims through a third party.

Telemedicine and Telehealth

Although the number of organizations offering telemedicine or telehealth has decreased slightly compared to last year, this benefit remains extremely common at 90%, indicating it is an important component of overall health care offerings.

Health Savings/Spending Accounts

Medical Flexible Spending Account (FSA)
fsa 62%

FSA Run-Out Period


FSA Carryover Provision


FSA Grace Period


Health Savings Account (HSA)
fsa 62%

Organizations that contribute to plan


Average individual-only annual contribution:


Average family annual contribution


Health Reimbursement Arrangement (HRA)
fsa 62%

Average individual-only annual contribution:


Average family annual contribution


Short-Term Disability (STD)

67% of organizations offer short-term disability insurance beyond any state-required programs.

The percentage of organizations offering short-term disability insurance increased by 1 percentage point between 2022 and 2023 and by 5 percentage points since 2019. Supplemental short-term disability insurance followed suit since last measured in 2022, increasing 2 percentage points to 49%. These increases could be related to an uptick in employees missing work due to illness during the pandemic. Post-pandemic, employers may be taking proactive steps to ensure their workers have the best coverage available to handle unforeseen circumstances.

short term stats
long term disability

Long-Term Disability (LTD)

71% of organizations offer long-term disability insurance.

The prevalence of long-term disability insurance has remained consistent, varying by only 1 percentage point over the past five years. Supplemental long-term disability insurance increased 2 percentage points over last year, to 44%. This may show that employers consistently want to ensure their employees have the ability to retain an income when facing long-term health issues.

Accidental Death and Dismemberment (AD&D)

79% of organizations offer AD&D insurance.

Accidental death and dismemberment insurance prevalence remained unchanged compared to 2022, while supplemental AD&D insurance increased 1 percentage point to 60%. These are both below pre-pandemic levels, and it’s possible they may have stabilized around these new prevalence figures.

short term stats

Additional Health Coverage

Additional health coverage was again highly prevalent in 2023. Dental insurance, as well as prescription drug coverage bundled with medical insurance, did not change year over year. However, vision insurance saw its highest prevalence in at least five years.

Dental Insurance
Vision Insurance
Prescription Coverage

Mental Wellness

mental wellness 89%

Mental Health Coverage

eap 81%

Employee Assistance Program (EAP)

general wellness 44%

General Wellness Program

mmcp 19%

Meditation/Mindfulness/Contemplative Program

online stress 21%

Online Stress Management Program

Employers have become more attuned to the impact employees’ mental health concerns can have on the workplace. With the challenges of the COVID-19 pandemic still a recent memory and economic difficulties causing increased stress, many employees are dealing with anxiety, depression and burnout. In providing workers with comprehensive mental health and wellness benefits, employers are showing their commitment to fostering a more positive work environment that improves both workplace culture and overall employee engagement.

Reproductive Care

contraceptive coverage

Contraceptive Coverage
In vitro

In Vitro Fertilization Coverage

Infertility Treatment Coverage
egg freezing

Egg Freezing for Nonmedical Reasons