More and more employees are worrying about their financial situation. This, according to the American Psychological Association, comes at levels that are higher than what is deemed acceptable. Younger people, parents, and those living on an income of less than $50,000 experience the most financial stress. If the describes your employees — then it’s something you should be concerned about as it affects your bottom line.

It’s no secret that America’s workers are busy. Between family obligations (like sick kids or ailing parents) and necessary errands (like annual physicals and renewing driver’s licenses at the DMV), few can dedicate paid days off to real vacation time. Fortunately, some companies have found a way to remedy this situation. They call their solution “unlimited PTO,” and it combines paid sick days and personal/vacation days under one “paid time off” umbrella for employees to utilize at their own discretion.

Without Social Security benefits, millions of Americans—from retirees and disabled adults to the families of retired, disabled or deceased workers—would lack economic security. The program paid monthly benefits to 57 million people in 2013, funded by the Social Security taxes paid by 158 million. Social Security benefits account for 38 percent of the annual income of U.S. elderly according to the Social Security Administration.

A windstorm causes major damage to your office roof. A fire destroys a portion of your warehouse. A flood reduces key pieces of your equipment to rubble. These and other disasters can strike your company at any time, preventing you from carrying on with business as usual. You now have a cash flow problem: you cannot sell goods or services until you’ve made necessary repairs and replacements, yet you still have to meet payroll and cover rent, taxes and other expenses. This is when you need business interruption insurance.

According to the Merriam-Webster Dictionary, the word “meaningful” means “Having a meaning or purpose, full of meaning, significant.” It’s a concept that’s decidedly absent in much of the retirement benefit education employers provide their workers. Sure, they may cover all the bases, from how much a worker can contribute and how those contributions can be made to the basic options for investment of their funds and tax benefits of each. These facts are important. But they’re not as meaningful as engaging employees in a real conversation about their personal future.