RainyDayPal Insurance for everyday unexpected expenses

What it costs you, and what it has to return.

Financial stress reaches your balance sheet through productivity, absenteeism, delayed care and turnover. This works out what a contribution costs you, and how small a reduction it needs to produce before it pays for itself.

Your workforce Employees Expected participation 66% Your contribution, per employee monthly $10

Assumptions

These two drive every figure on this page. Change them to match your own view.

Annual cost of financial stress, per employee Reduction you expect 50%

Your annual contribution

$19,800

165 participating employees at $120 a year

It pays for itself once financial stress costs fall by 1.6%.

That is the whole hurdle. Everything beyond it is return.

What you keep at different reductions

The 50% figure RainyDayPal cites is this column's destination, not its starting point. The question worth asking is how far down it you have to go before the case stops working.

Reduction	Stress cost avoided	Net of your contribution

Estimates, not a quote. The $7,500 figure is RainyDayPal's own estimate of the annual cost of employee financial stress; the reduction is a projection, not a measured result at your organization.