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benefits awr 2015 aflac workforces report benefits package employee benefits aflac voluntary insurance life insurance better benefits vision insurance job comprehensive benefits package dental insurance disability insurance major medical increased share of premium medical costs health care reform supplemental insurance productivity turnover serious accident serious illness out-of-pocket costs 401k bill payments credit card missed bill payments private exchange increased copay high medical costs late bill payments public exchange health plan options increased copy engagement retention job satisfaction high-deductible health plan for spouse/partner coverage hcr benefits options expenses deductibles disability health care health care coverage life insurance awareness research treatment breast cancer agents aca insurance broker aflac workforces report workforces report financial challenges reducing debt financial goals retirement health insurance workforcesreport health usworkforce workforce exercise medical cost medium companies small companies health care costs financial issues unexpected accident large companies out-of-pocket expenses protected unexpected illness voluntary benefits credit scores outstanding bills illness injuries small business performance metrics employee performance advantage decision-making tools financial preparedness financial readiness exchanges financial security accident medical insurance