In fact, the survey finds poor insurance offerings contribute to the fact that 35 percent of millennials have turned down a job offer, compared to 27 percent of U.S. respondents overall: job refusals were either fully or partially due to dissatisfaction with insurance offerings.

One particular type of insurance Anthem suggests is disability coverage, since such policies can provide benefits not just to employees but employers as well. Integrated disability and medical benefits, it says, can help save money by helping employees get back to work sooner and by reducing benefits administration costs.

And the benefit to employees — particularly those who aren’t especially well paid — can be substantial, since workers living paycheck to paycheck could not only end up jobless because of an injury or illness leaving them unable to work but also end up moving back in with mom and dad.

Survey results indicate that, among U.S. adults working at a company with at least two employees, 26 percent indicated they do not have short- and/or long-term disability insurance. And of survey respondents who did not have disability insurance, many say they didn’t have it either because their employer did not offer it (53 percent) or because it was too expensive (32 percent).

“Disability benefits protect financial wellness, but they are also an important part of overall health and wellbeing,” Mike Wozny, president of Anthem Life Insurance Company, says in a statement.

Wozny adds, “Anthem recognizes that physical, emotional and financial health is interconnected, and by treating the whole patient, health care professionals of all specialties can help patients get better faster and also save money in the process.”