Americans work harder, are more productive and miss fewer days of work as a result of wellness benefit programs, according to the latest Principal Financial Well-Being Index. Forty-one percent of workers say having a wellness program encourages them to work harder and perform better at work.

Good health is beneficial for both the employer and the employee, research shows: 52 percent of workers (up from 37 percent last year) said they have more energy and 35 percent (up from 28 percent a year ago) said that they have missed fewer days of work because of their participation in a wellness program.

But despite the fact most workers think the programs are worth it, there's a disconnect as to what workers want from it and what employers offer.

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