A good financial wellness program should include components that are relevant to each generation's particular points of pain, with solutions delivered in a comfortably accessed format. (Image: Shutterstock)

Any number of financial pressures are weighing down your employees these days, posing a troublesome burden across age groups, jobs and income categories.

If it's not student loan debt for millennials (and their elders and those behind them, too) that's creating problems. It's the juggling by GenXers to help mom and dad out, save for Junior's college, mortgage, car loan and paying for the emergency dental bill. And many Baby Boomers think they'll never retire, given the shortfall in their retirement savings.

They are paying the price in elevated stress and employers are sharing the pain. Financially stressed employees miss an average of 4.4 more workdays and far more when they were at work but disengaged (12.5) than those without financial stress. And you pay, too, as absenteeism and presenteeism rates climb, and your bottom line is hit with rising healthcare costs since the financially stressed tend to neglect their good eating and health habits.