Employee morale remains well below 2008 levels, and research shows most employers aren't doing anything about it.

Unum's third annual survey of workers, done most recently following the 2010 benefits enrollment period, finds just 63 percent of employees think their employer values their work, down from 70 percent in 2008. Even fewer (56 percent) feel that their employer cares about their wellbeing—a 7 point drop since 2008.

"In this difficult economic environment, there may be many reasons employee morale has not bounced back," says Bill Dalicandro, vice president at Unum. "But our research shows that benefits education can be a highly effective, low-cost way to boost engagement."

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