Financially viable companies start with financially well employees – how do yours measure up?

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Understand the numbers

See the higher price you pay – literally – when you have workers who can’t retire.

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Understand the effect of unprepared employees

Understand the cost of unprepared employees, and what it means for your bottom line.

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Maintain your costs

Redesign your plan to help more employees be financially well and retirement ready, all within your current cost structure.

More About Viability

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Regardless of how you define retirement, most Americans are ill-equipped to meet it.

Employees faced with making benefits choices themselves are often so confused that they do nothing and fail to prepare for the future. And even though the switch from Defined Benefit to Defined Contribution plans means that the risk isn’t technically on the employer anymore, failing to help your employees achieve financial wellness – including the capability to retire – can end up costing you big time, especially when it comes to employees not ready to retire

Of course, there’s nothing wrong with an aging workforce – in fact, the wisdom, experience, and insight they bring to the table is an invaluable resource.  But many employers may be unaware of the liability of a workforce that’s not ready to retire. There’s never been a way to quantify that liability – until now.

So, how do you protect your investment – in your employees and in your organization? That’s where Viability comes in. Using numbers straight from your plan, your advisor can use the Viability approach to give you a clearer picture than ever of your employees’ current retirement readiness – and the financial impact it could be having on your organization. They can then make plan design recommendations based on your actual numbers to improve your employees’ chances of retiring on their own terms. Best of all, you don’t have to spend more money to do it.

Working with your advisor to help your employees retire on time is not only the right thing to do for them – it’s the right thing to do for your company, because a financially viable organization starts with financially well employees.

Discover what Viability can do for your organization.

Contact your advisor or MassMutual’s Viability Advisory GroupSM at 1-800-874-2501, option 4, to find out more about what Viability can do for you.


Viability, Viability Advisory Group and Reveal Viability Program are service marks of Massachusetts Mutual Life Insurance Company.