Greater than eight in 10 employers are interested by utilizing synthetic intelligence to assist employees higher perceive their advantages. Nevertheless, solely 58% of workers say they might use AI for this function, and simply 24% say they accomplish that immediately.
“AI could make advantages less complicated, extra customized and simpler to make use of, however workers received’t embrace it until they belief it,” mentioned Michael Estep, president of Prudential Group Insurance coverage. “Meaning serving to individuals perceive how these instruments work, how their knowledge are protected and the way AI can strengthen the human assist they nonetheless need and wish when making necessary advantages selections.”
Advantages could also be one of the sensible locations to construct confidence in AI, serving to workers navigate complicated selections with extra readability and assist, in keeping with the 2026 Advantages & Past research from Prudential Monetary.
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Among the many key findings of the research:
- Belief and privateness are the most important obstacles. Though each employers (49%) and workers (52%) cite privateness and safety as high issues, workers are twice as more likely to say they merely don’t belief AI (25% vs. 12%) usually. Issues about inaccuracy, ethical and moral points, and job loss are additionally extra pronounced amongst workers.
- Adoption varies by workforce phase. Forty % of unionized workers, 27% of salaried workers and 27% of sole decision-makers already use AI for advantages steering, in comparison with decrease charges amongst their friends.
- Workers are open to sharing knowledge for personalization. Sixty-five % of workers are snug with their employer managing their private knowledge for advantages functions, rising to 75% amongst workers in technology-related roles.
Within the firm’s 2024 research, almost seven in 10 workers mentioned they needed extra customized assist throughout open enrollment. About 9 in 10 have been prepared to share private info reminiscent of age, well being standing, tobacco use and household historical past to obtain tailor-made advantages suggestions. Though AI now has the potential to ship that stage of personalization, belief in how the know-how is used stays a important variable. As organizations look to shut the hole between employer enthusiasm and worker confidence in AI, the analysis underscores the necessity for clear communication and hands-on training.
“Worker advantages are one of many clearest purposes for AI, given how complicated and particular person these selections will be,” mentioned Scott Roth, vp and chief know-how officer for Prudential Group Insurance coverage. “Many workers nonetheless wrestle to navigate their advantages choices. AI will help simplify that, however they want confidence within the steering they obtain and the way their info is dealt with. When that belief is in place, it might drive stronger engagement and higher outcomes.”
