Much has been made of the differences between Gen-Y workers and their older counterparts, but a study commissioned by Unum found they aren't so different after all. The Harris Interactive study found both groups turn to the same place for benefits information – the workplace.

Baby boomers generally have a better understanding of employee benefits than Gen-Y, but both groups trust their employers for information more than any other source; 76 percent of boomers turn to their employers for information, compared with 68 percent of Gen-Y workers.

There's always room for improvement, though. According to the study 52 percent of Gen-Y workers say they are unfamiliar with critical illness insurance, compared with 44 percent of boomers. Forty-three percent of Gen-Y employees say they are unfamiliar with supplemental health coverage or long term care insurance, compared with 27 percent of boomers. Furthermore, one-third of employees from both generations say they feel vulnerable without those benefits.