"Individuals at all stages of their careers can benefit from educating themselves about the Social Security system and retirement planning and a trusted financial professional can help with that education," says Tina Ambrozy, senior vice president of Strategic Customer Solutions at Nationwide.

Study finds that more than three-quarters of respondents couldn't identify the word coinsurance, and nearly half incorrectly defined copayment and deductible – and that's just the beginning of their confusion about the U.S. health insurance system.

How training delivery can make the difference in equipping managers to create a successful workplace.