While 60 percent of American workers say their benefits communications are fairly or very effective, 9 percent say it is not at all effective, according to a recent survey by Colonial Life & Accident Insurance Co.

Only 32 percent of respondents report feeling comfortable making employer-sponsored work decisions. Among respondents with household incomes of less than $35,000, just 25 percent of respondents say they feel comfortable making benefits decisions while 12 percent say they are not at all comfortable.

The overwhelming majority of respondents say it's at least somewhat important to understand employer-sponsored benefits at 98 percent, and 73 percent of respondents say it's very important. Another 97 percent of respondents say having financial protection is at least somewhat important while 67 percent of respondents say it is very important.

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