Employers can make the difference between an employee having to stop working or being able to manage work and life.

Employees are looking to their employers for the resources, tools and motivation to get their finances right in a time like this.

Lindsay Clark Youngwerth is a benefits consultant at the Shandro Group, and she's not waiting around for health providers to find a better way to deliver care.

With so many variables at play, those numbers could be lower--or higher.