Flex schedules. Reduced premiums. Flexible spending accounts.

All three were ranked as either extremely or very important by workers in an Aetna survey that concluded employers are falling short in meeting their employees' health and wellness needs.

Aetna said just 33 percent of respondents reported that their employers offer flexible work hours, only 15 percent offer reduced health insurance premiums if they comply with wellness guidelines, and only 40 percent offer flexible spending accounts.

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