While 60 percent of American workers say their benefits communications are fairly or very effective, 9 percent say it is not at all effective, according to a recent survey by Colonial Life & Accident Insurance Co.

Only 32 percent of respondents report feeling comfortable making employer-sponsored work decisions. Among respondents with household incomes of less than $35,000, just 25 percent of respondents say they feel comfortable making benefits decisions while 12 percent say they are not at all comfortable.

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