Even employees who participate in a 401(K) plan and have health benefits through their employer tend to have a high degree of uncertainty about their financial futures.

Women are more likely to report feeling financially insecure about the future, but couples who regularly discuss their financial situation are more comfortable about their future financial security.

These are among the often surprising results of a Bank of America Merrill Lynch survey of more than 1,000 employees who participate in an employer-sponsored 401(K). The results are based on a survey that took place in March.

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Dan Cook

Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.