Poor millennials — they’re reviled forself-interest, stuck in lower-paying jobs, and laden with studentdebt.

But that self-interest might be doing them a really good turnwhen it comes to jobs, since an Anthem survey reveals they’relooking out for themselves when it comes to jobs that don’t offergood insurance benefits.

Money appears to be millennials’ primary motivator, with thesurvey finding they are more likely than the previous generation(29 percent of 18–34 year-olds, compared with 19 percent of 35–54year-olds) to have engaged in long-term financial planning over thepast year.

Employers are jumping on the financial wellness bandwagon, hoping thatfinancial wellness programs will aid them in recruiting andretaining younger employees beset by employee stress that’scentered on the number-one cause in the U.S. — money. But Anthemsays bosses are missing a big opportunity by not also beefing uptheir insurance offerings.

In fact, the survey finds poor insurance offerings contribute tothe fact that 35 percent of millennials have turned down a joboffer, compared to 27 percent of U.S. respondents overall: jobrefusals were either fully or partially due to dissatisfaction withinsurance offerings.

One particular type of insurance Anthem suggests is disabilitycoverage, since such policies can provide benefits not just toemployees but employers as well. Integrated disability and medicalbenefits, it says, can help save money by helping employees getback to work sooner and by reducing benefits administrationcosts.

And the benefit to employees — particularly those who aren’tespecially well paid — can be substantial, since workers livingpaycheck to paycheck could not only end up jobless because of aninjury or illness leaving them unable to work but also end upmoving back in with mom and dad.

Survey results indicate that, among U.S. adults working at acompany with at least two employees, 26 percent indicated they donot have short- and/or long-term disability insurance. And ofsurvey respondents who did not have disability insurance, many saythey didn’t have it either because their employer did not offer it(53 percent) or because it was too expensive (32 percent).

“Disability benefits protect financial wellness, but they arealso an important part of overall health and wellbeing,” MikeWozny, president of Anthem Life Insurance Company, says in astatement.

Wozny adds, “Anthem recognizes that physical, emotionaland financial health is interconnected, and by treating the wholepatient, health care professionals of all specialties can helppatients get better faster and also save money in the process.”