Millennials are a bird-in-hand kind ofgeneration, according to a new analysis by the Employee BenefitResearch Institute (EBRI), and would rather have the money—or lifeinsurance—than a retirement benefit.

New findings from the 2015 EBRI/Greenwald & AssociatesHealth and Voluntary Workplace Benefits Survey (WBS) show thatmillennials don’t know as much about their workplace benefits asolder generations.

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