Since 2008, employee morale has fallen each year, but as this year's benefits enrollment season approaches, it gives employers the opportunity to improve employee engagement, according to Unum's recent survey, which was conducted online by Harris Interactive.

In fact, the survey reveals that 28 percent of respondents report a decrease in morale since 2011, and barely half -  55 percent – of respondents say they would stay with their employers if they were offered the same pay and benefits elsewhere, representing a seven-point drop since 2008. Another 52 percent of respondents say their employers offer very good or excellent places to work.

The economy seemingly is impacting responses as one in three respondents say they do not feel financially secure, and more than one in four reports feeling less financially secure than last year. Nearly half of respondents say they are unsure whether they have enough money to take care of future expenses.

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