Health & Wealth Blog

CDHPs for the Wealthy & Healthy?

By: Anne Elmlinger

Greenwald & Associates is celebrating its 30th anniversary this year. It’s a time of remembering how things were and also looking ahead to the future. The experience has led me to also think about the 10th anniversary of our Consumer Engagement in Health Care Survey (CEHCS), about what has changed since the early years of Read more…

The Importance of New Stages of Life

By: Matt Greenwald

In a June 2015 Wall Street Journal article, Mark Freedman stated that there is a new phase of life after adulthood and requested that someone develop a name for this phase. I agree and will make a suggestion. First, I would like to put the development of this new phase, or stage, of life in Read more…

The Generation the Industry Forgot

By: Lisa Greenwald

Over the past few years, I’ve been asked to present research Greenwald & Associates has conducted with younger consumers at various industry events and for various industry leaders. Mostly, I’m asked to focus on the financial needs and state of Generation Y (born 1981 to 1999, by our definition, and often called Millennials). And for Read more…

Reality Check: Retirees Are Doing OK, While Pre-Retirees Worry

By: Matt Greenwald

Not all is doom and gloom for those approaching retirement, according to research conducted by Greenwald & Associates on behalf of MassMutual. While pre-retirees often fear that they will face financial uncertainty and boredom in retirement, retirees feel rather positive about their experience. In fact, six in ten retirees are very satisfied with their lifestyle Read more…

Americans Willing to Pay More to Get More from Social Security

By: Matt Greenwald

Finally, it appears there’s something that almost everybody in America’s body politic agrees about – the value of the Social Security System. Old or young, rich or poor, Republican or Democrat, there’s widespread agreement that Social Security is a very good thing – and that it’s worth paying higher taxes to improve benefits and make Read more…

The Guaranteed Lifetime Income Study (GLIS)

By: Matt Greenwald

New Study Reveals That Retirees With Investable Assets Above $100,000 Value and Depend on Guaranteed Lifetime Income (GLI) to cover the majority of their living expenses, 79% on average Also Finds Most Americans Ages 55 – 75 Have Little Familiarity With Other Sources Of GLI Beyond Social Security And Pensions Washington, D.C., October 7, 2014 Read more…

Annuities’ Real Value Proposition

By: Matt Greenwald

In his recent Forbes article Income as Outcome: Reframing the 401(k) Plan, my friend and research colleague Jeff Brown – a professor at the University of Illinois – argues that more people would enjoy real retirement security if they better understood the real purpose of their defined contribution plans. He rightly decried the extensive degree Read more…

Pre-ACA Plan Selection

By: Anne Elmlinger

The ACA was intended to improve the purchase experience for individual purchasers, giving them more choices, more affordable choices, and standardized products that would be easier to compare.  Given the rocky start of the exchange websites in much of the country, it is not clear if the intended improvements in purchase experience are being realized Read more…

Incentivizing Wellness

By: Anne Elmlinger

Studies conducted by Greenwald & Associates find cash incentives are a primary driver of wellness program participation, but these incentives have a diminished impact on workers who have participated in a wellness program before and it isn’t the only motivator.  The 2012 Wellness Design Study, which included a conjoint analysis, found three key drivers to Read more…

Addressing the Financial Devastation of Widowhood

By: Matt Greenwald

It’s hard to imagine anything that has a more devastating impact on women than widowhood – especially for women who have dependent children or whose husbands were primarily responsible for the family’s financial decision making. The Women’s Institute for a Secure Retirement (WISER) wants to help – and commissioned Greenwald & Associates to perform a Read more…



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