Both employers and employees think health and well-being are important, but there's a big disconnect between boss and worker when it comes to well-being programs offered by the former. The boss thinks they're working; the worker begs to differ.

According to the Global Benefits Attitude Survey from Willis Towers Watson, while 56 percent of employers believe that the well-being programs they provide to employees are working, encouraging their workers to live a healthier lifestyle, just 32 percent of employees agree.

Instead, although 65 percent of workers say that managing their health is a top priority, 54 percent also say that their employers should financially reward them for living a healthy lifestyle. And although employers have been using this approach via programs that provide significant financial incentives, thinking their employees have bought into it, that's definitely not the case.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.