The Prudential Insurance Company of America, Newark, NJ 1055193-00009-00
ACCESSIBILITY
Prutection Score
PruEngage
Portability and Conversion
Financial Wellness Assessment
Financial Education
Behavioral Health and Self-Care Management
Meaningful Results
Holistic Well-being Overview
Student Loan Counseling
Credit Counseling, Debt Management, Medical Debt Counseling, Housing Counseling, and Credit Report Overview
Caregiving Support
Well-being Hub
Reduce motion
Prudential is working to help change employer environments by reimagining what a healthy workforce should look like. We define holistic well-being solutions as tools that can help improve individuals’ mental, financial, social, and physical health, while also helping them have a greater sense of community and inclusion in their day-to-day lives.
2 SoFi at Work and HR research advisory Workplace Intelligence 2022 Employee Survey data.
• Support for logistical/administrative tasks in caregiving for loved ones.
3
• Consultative services to help transition from disability leave to work.
• Self-care resources through behavioral health/self-care management app.
• Caregiving offering addresses a key financial challenge for women.
• Housing counseling solution addresses a key driver of racial wealth gaps.
• 90% of employees say it is important for employers to provide financial wellness programs.
1
• 60% of Americans feel anxious about their finances.
2
• 80% of employees say financial challenges have a negative impact on their mental and physical health.
FINRA Investor Education Survey Fianancial Anxiety and Stress amoung US Households: New Evidence from the National Finance Capability Study and Focus Groups April 2021.
3 Data based on John Hancock Research, Another rising cost for employers: financial stress, February 2022.
The NeuroFlow App and any related resources or services are provided by NeuroFlow®, a third-party entity that is independent from Prudential Financial, Inc. (“Prudential”) and its subsidiaries. NeuroFlow®, Prudential, and Prudential’s subsidiaries are not crisis intervention service providers or medical service providers. Accordingly, any resources or services provided by either entity or through the NeuroFlow App are not intended to provide medical advice or a crisis intervention service, and are not intended to diagnose, cure, prevent, advise on and/or treat any disease, disorder, illness, crisis, or condition. Financial Wellness offerings, including access to any third-party referrals, are provided by Prudential Workplace Solutions Group Services, LLC (“PWSGS”). PWSGS is an affiliate of Prudential Financial, Inc. PWSGS is not a licensed insurance company, does not provide insurance products or services, and does not provide financial, investment or tax advice. Individuals should consult appropriate professionals when making financial, investment and tax decisions. The Financial Wellness offerings are made available for general financial education purposes. Access to financial wellness products, services, seminars and tools is not conditioned upon the purchase of insurance or retirement products or services from any Prudential company. Financial Wellness offerings, including any products, services, or other solutions, described in this document are voluntary, individually selected offerings. They are not part of any employee benefit plan, or any program sponsored or endorsed by an employer.
Musculoskeletal (MSK) case management pilot to support recovery and return to work.
As we evolve into the preventive space and the ability to evaluate risk, our aim is to deliver a wellness ecosystem with a clinical approach that drives measurable behavior change.
4 Credit counseling, debt management, and housing counseling services are provided by GreenPath. Caregiving services are provided by Wellthy, Inc. GreenPath and Wellthy are third-party providers that are independent from Prudential and its subsidiaries. They are provided through voluntary, individually selected programs that are not group insurance products and are not part of any employee benefit plan, or any program sponsored or endorsed by an employer. Access to GreenPath credit counseling, debt management and housing counseling services and Wellthy caregiving solutions is provided through Prudential Workplace Solutions Group Services, LLC (“PWSGS”). Prudential Workplace Solutions Group Services, LLC (“PWSGS”) provides access to a number of Financial Wellness products, services, seminars and tools offered by PWSGS, its affiliates or third parties. PWSGS is an affiliate of Prudential Financial, Inc. PWSGS is not a licensed insurance company, does not provide insurance products or services and does not provide financial, investment or other advice. Individuals should consult appropriate professionals when making financial, investment and tax decisions. The Financial Wellness offerings are made available for general financial education purposes. Access to Financial Wellness products, services, seminars and tools is not conditioned upon the purchase of insurance or retirement products or services from any Prudential company.
For individuals
For organizations
employees say they’re more engaged and more productive.
97%
of employees who attended a financial seminar plan to maximize their employee benefits.
9 out of 10
Clients using our holistic wellness solutions experience better enrollment outcomes than clients who don’t.
employees missed fewer meetings, shifts, and workdays.
2 out of 3
Internal book of business data from December 2019 – March 2022.
4
of respondents who received mortgage delinquency counseling said their confidence in their ability to reach their financial goals increased after working with GreenPath.
84%
of clients counseled by Greenpath saw an increase in their credit score 12 months after their initial session.
86%
Better outcomes
Results based on feedback provided from 130,736 participants from January 2015 through February 2025.
Harvard Business School's "Healthy Outcomes" report, January 2024 (based on self-reported data from users of Wellthy paid Care Concierge)
GreenPath 2024 Post-Counseling Survey Data
NeuroFlow Reported Results, 2025. According to data from April 2021 until October 2025.
of clients who received pre-purchase counseling through Greenpath feel more confident about reaching their financial goals
63%
of clients counseled by GreenPath noticed an increase in their credit score six months after their initial session.
48%
5
of Prudential claimants with elevated depression and anxiety symptoms saw a clinically meaningful improvement after engaging with Onward by NeuroFlow.
49%
1 Internal book of business data from December 2019 – March 2022.
2 Results based on feedback provided from 130,736 participants from January 2015 through February 2025.
3 Harvard Business School's "Healthy Outcomes" report, January 2024 (based on self-reported data from users of Wellthy paid Care Concierge)
3 Reported by Wellthy paid clients as of October 2022.
4 Greenpath/Prudential data as of December 31, 2023.
5 NeuroFlow Reported Results, 2022; Internal book of business data from December 2019 – March 2022; Prudential Book of Business, 2022-2023.
* Employee information will not be shared with their employer.
Monthly webinars are available to complement on site and virtual learning seminars
Topic-specific videos & 300+ educational articles with select articles available in Spanish
A digital destination for credit, debt management, student loan counseling, caregiving support, education and tools at employees’ fingertips.*
Individuals answer simple questions on key financial behaviors to get personalized education to help them improve their financial wellness.
Individuals can explore different scenarios and figure out how much life insurance they may need.
Individuals can explore different scenarios and figure out how much disability insurance they may need.
Individuals can track spending and consolidate bank and credit accounts from 15,000 institutions and providers
Prudential’s Well-being Hub is offered through Prudential Workplace Solutions Group Services, LLC (“PWSGS”), a subsidiary of Prudential Financial, Inc. PWSGS is not a licensed insurance company, does not provide insurance products or services, and does not provide financial, investment or tax advice.
The Well-being Hub is comprised of articles, videos, and interactive tools designed to provide individuals with education and information on how best to manage their holistic wellbeing. Access to the Well-being Hub is not related to whether you or any employees are currently, or may become in the future, a customer of Prudential, its affiliates, and subsidiaries. Access to holistic wellness products, services, seminars, and tools is not conditioned upon the purchase of insurance or retirement products or services from any Prudential company. Your decision to make the Well-being Hub available to employees or members does not constitute an endorsement of Prudential products or services.
We believe that when an individual utilizes holistic wellness capabilities, the impact can be multi-faceted—it helps them take care of themselves and their families, it helps you have a more engaged workforce, and it helps us understand the ways we can continue to evolve based on the needs they have. We are sure that you agree that it is important to ensure that your employees have the education and tools they need to help them keep their finances on track.
*Employee information will not be shared with their employer.
Helps individuals tackle the logistical and administrative tasks while giving them the support they desperately need to care for themselves and their families.
• Care plan builder • Shared calendar • Medication tracker and key contacts • Document storage
No-cost option. Access to a digital suite of self-service caregiving resources:
Independent research from Harvard Business School shows that access to Wellthy’s full Care Concierge offering has a dramatic impact on productivity, retention, time away, and equity.
Employers can contract with Wellthy to offer their employees expert caregiving support, giving their workforces access to Wellthy’s team of care professionals to solve their complex care needs.
Care Concierge
Caregiving Content and Resources
• 90% of employees say they are more engaged and productive • 1/3 avoided a leave of absence or resignation due to caregiving needs • 3.6X average ROI for companies that offer Wellthy to their employees
Caregiving services are provided by Wellthy, Inc., a third-party provider that is not affiliated with and is independent from Prudential and its subsidiaries. Caregiving services are not part of any employee benefit plan and are provided through a voluntary, individually selected program that is not a group insurance or a retirement product. They are not part of any employee benefit plan, or any program sponsored or endorsed by an employer.
2 Harvard Business School’s “Healthy Outcomes” report, January 2024
Holistic Well-being overview
Access to Wellthy Caregiving services is provided through Prudential Workplace Solutions Group Services, LLC ("PWSGS"). PWSGS provides access to a number of Holistic Wellness products, services, seminars and tools offered by PWSGS, its affiliates or third parties. PWSGS is an affiliate of Prudential Financial, Inc. PWSGS is not a licensed insurance company, does not provide insurance products or services and does not provide financial, investment or other advice. Individuals should consult appropriate professionals when making financial, investment and tax decisions. The Holistic Wellness offerings are made available for general financial education purposes. Access to holistic wellness products, services, seminars and tools is not conditioned upon the purchase of insurance or retirement products or services from any Prudential company.
No-cost peer support network for Wellthy members that enables caregivers to connect online with others.
Wellthy Community
• Moderated discussion forums • Virtual support groups • Monthly webinars
Expert support to address both urgent care needs and longer-term planning. Available for children, adults, and pets, either in conjunction with Care Concierge or as a standalone offering.
Backup Care
Transcript
1 Employers contract directly with Wellthy or fee may be paid by the employee. Available for a Per Employee Per Month (PEPM) charge for Employers
• Special needs support • In-home support and services • Facility advice and guidance • Benefits eligibility
This option includes aggregate employee program usage and outcomes reporting.
Debt management, credit counseling, and student loan counseling services are provided by GreenPath, a third-party provider that is not affiliated with and is independent from Prudential and its subsidiaries. Debt Management and credit counseling services are not part of any employee benefit plan and are provided through a voluntary, individually selected program that is not a group insurance or a retirement product. They are not part of any employee benefit plan, or any program sponsored or endorsed by an employer. Access to GreenPath debt management services is provided through Prudential Workplace Solutions Group Services, LLC ("PWSGS"). PWSGS provides access to a number of Holistic Wellness products, services, seminars and tools offered by PWSGS, its affiliates or third parties. PWSGS is an affiliate of Prudential Financial, Inc. PWSGS is not a licensed insurance company, does not provide insurance products or services and does not provide financial, investment or other advice. Individuals should consult appropriate professionals when making financial, investment and tax decisions.
Access to a complimentary credit counseling and debt management session as well as credit report review
Credit counseling and debt management services can help individuals reduce debt and financial stress.
Define financial goals and develop a plan to become debt free
Option to enter into a debt management plan
of respondents who received mortgage delinquency counseling felt more confident in reaching their financial goals working with Greenpath.
of survey respondents felt more confident in their ability to reach their financial goals after counseling.
87%
Though not part of the insurance contract, we may share information regarding GreenPath's Credit Counseling and Debt Management services with employees who file a long-term disability claim. These services are not provided through Prudential.
Mortgage delinquency
Pre-Purchase counseling
Renter’s counseling
or 1 in 5 homeowners and nearly half of renters were cost-burdened in 2019.
37 Million households
3 Medical Debt Counseling, Credit Counseling, Debt Management, and Homeowners and Renters rights support services will be offered to the claimant regardless of whether their claim is approved or not.
2 GreenPath 2024 Post-Counseling Survey Data.
1 If individuals elect to enter into a Debt Management Plan (DMP) they may pay a separate monthly fee; such fee ranges from $10 - $75 depending on each individual’s state—the average is $38. Individuals are fully responsible for all costs. Employer may select to purchase a premium tier with a waived DMP implementation fee (up to a $50 value) for their employees.
Payment plans
Reduced billing
Financial assistance
The Holistic Wellness offerings are made available for general holistic education purposes. Access to holistic wellness products, services, seminars and tools is not conditioned upon the purchase of insurance or retirement products or services from any Prudential company.
1 If individuals elect to enter into a Debt Management Plan (DMP) they may pay a separate monthly fee; such fee ranges from $10-$75 depending on each individual’s state—the average is $38. Individuals are fully responsible for all costs. Employer may select to purchase a premium tier with a waived DMP implementation fee (up to a $50 value) for their employees.
2 GreenPath 2024 Post-Counseling Survey Data
*Medical Debt Counseling, Credit Counseling, Debt Management, and Homeowners and Renters rights support services will be offered to the claimant regardless of whether their claim is approved or not.
2 GreenPath 2020 Post-Counseling Survey.
Powers simple employer student loan contributions to help drive employee engagement
Simplifies the 70+ student loan repayment scenarios for employees
Web tool
Impact calculator
Federal loans can be automatically loaded into the tool
Send up to 5 family member invitations to access Vault Advisor
Education about Public Student Loan Forgiveness (PSLF)
The CARES Act allows employers to pay a tax-free benefit up to $5,250 towards an employee’s student loans and has been extended through 12/31/2025.
Loan optimization with Vault Advisor
Flexible frequency of contributions and simplified rollout
PTO Conversion option allows employers to convert unused employee PTO to pay down student loan debt
5 Section 2206 of the CARES Act. The Consolidated Appropriations Act, 2021 (the “CAA”) extends this provision of the law through December 31, 2025.This provision of the CAA is in Section 120 of Division EE, called “The Taxpayer Certainty and Disaster Tax Relief Act of 2020.”
4 PTO Conversion is also available on its own.
3 There’s a fee for Vault Pay and PTO Conversion.
2 Public Student Loan Forgiveness is a federal program, and the user must meet the program’s eligibility to qualify.
• Financial assessment • Exploring repayment options • Creating a customized plan of action
Student loan counseling can help employees with student loan debt take steps toward repayment.
The first step in that process is a 30 – 60 minute consultation with a certified financial counselor, which includes:
Americans have outstanding federal student loan debt.
43 Million
*
* Hanson, Melanie. “Student Loan Debt Statistics” EducationData.org, March 3, 2024, https://educationdata.org/student-loan-debt-statistics
1 Hanson, Melanie. “Student Loan Debt Statistics” EducationData.org, March 3, 2024, https://educationdata.org/student-loan-debt-statistics
NeuroFlow buy-up is available for your entire workforce as a day-to-day proactive mental well-being support app, getting them to the right place for support and counseling. Contact your Prudential Representative for more information.
Onward by NeuroFlow and any related resources or services are provided by NeuroFlow®, a third-party entity that is independent from Prudential Financial, Inc. ("Prudential") and its subsidiaries. NeuroFlow®, Prudential, and Prudential's subsidiaries are not crisis intervention service providers or medical service providers. Accordingly, any resources or services provided by either entity or through Onward by NeuroFlow are not intended to provide medical advice or a crisis intervention service, and are not intended to diagnose, cure, prevent, advise on and/or treat any disease, disorder, illness, crisis, or condition. If approved, claimants will have access to Onward by NeuroFlow (at no additional charge to them) until the earlier of one year from the date the claim is approved or three months after the claim ends. Additionally, if you do not register within 120 days of receiving the initial invitation to access Onward by NeuroFlow or if you're inactive in the app for 120 days your access to Onward by NeuroFlow will be terminated. Lastly, access to Onward by NeuroFlow is not guaranteed and may no longer be available at time of approval.
Available 24/7 to approved STD/LTD Prudential claimants.
Prudential Pathways® seminars are provided by a Prudential Financial Professional with The Prudential Insurance Company of America and are not intended to market or sell any specific products or services. Offering these seminars do not constitute an endorsement of Prudential products or services in any way. Access to financial wellness products, services, seminars and tools is not conditioned upon the purchase of insurance or retirement products or services from any Prudential company. Investment advisory services offered through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to separate client agreement. Insurance and securities products and services are offered through a registered representative of Pruco, and an agent of issuing insurance companies.
Engaging financial wellness education, available on-site or virtually through Pathways , that is easy to understand and designed to teach employees how to best manage their financial health. This offering includes:
®
Helps individuals in all life stages maximize their benefits, manage day-to-day expenses, pursue important financial goals, and protect themselves against key financial risks.
Includes 35+ topical seminars intended for every demographic, covering a broad range of topics.
Individuals can schedule an appointment with a financial professional to conduct a thorough analysis and evaluation of their current needs and key financial goals.
Appointments with a financial professional can help employees understand their overall financial wellness and workplace benefits.
Provides information to high income earners as they manage their finances, maximize their benefits, and protect against key financial risks—all with the flexibility to accommodate their busy schedules.
Group education seminar and information designed to assist near-retiree employees with assessing their retirement readiness.
Portability and Conversion Support is a service program with a primary focus to service the transitioning employee’s option(s) to continue lost coverage through conversion or portability. A financial professional cannot proactively market products or services without the individuals’ initiation or consent. Portability and Conversion Support is a service that is available to holders of Group Insurance contracts issued by The Prudential Insurance Company of America (PICA). Portability and Conversion Support provides Group Insurance contract holders’ insureds and/or former insureds with information regarding the options to continue life insurance coverage that is no longer available under a group contract. Individuals may be contacted, including by licensed financial professionals affiliated with Prudential, to explain available insurance continuation options and answer questions.
Assists employees through the process and answers questions on coverage needs, protection details, and steps to take action.
Helps with timely employee notification of portability and conversion options.
Relieves the administrative burden associated with portability and conversion of group life insurance.
This program simplifies portability and conversion of group life insurance benefits and is offered at no added cost to employers or employees:
Partners with many benefit technology platforms on data transfer.
Employers spend $20,000—$50,000 on conversion notices annually
40%
Spent a month offboarding non-medical benefits
14 hours
What I love is that clearly it didn’t cost us anything [additional,] definite benefit to our outgoing employees, and took the responsibility off my team’s plate and ensuring the information was getting out to the right folks at the right time. It was nice to have the added layer of help.
Customer feedback
1 For qualifying Prudential Customers.
2 Prudential PruPassages Employer Research Report, 2021.
For additional information on PruEngage, this brochure highlights our overall enrollment and engagement capabilities.
PruEngage is a suite of omnichannel capabilities to deliver year-round benefits education to meaningfully engage and inspire your workforce to make confident enrollment actions, maximize their benefits, and support their overall wellbeing.
Supports individuals through their enrollment and engagement experience.
Learn More
It provides valuable insights and data that help you make decisions and execute plan design changes to improve the well-being of your employees.
The tool measures how well-prepared employees are for specific risks and provides actions to minimize the risks. These risks include:
Our proprietary, data-powered analytic tool helps employers gain deeper insight around employee benefit protection levels.
• Premature or accidental death • Loss of income due to illness or injury • Out-of-pocket expenses due to illness or injury
The Prutection Score is a measure of how prepared a group of employees is for the risks of (1) premature death, (2) loss of income due to an illness or injury, (3) out-of-pocket expenses related to an illness or injury. For each of these risks, the Prutection Score is the ratio of Funds Available to Funds Needed, which is estimated using employee demographic information, Prudential survey data, and a variety of credible external industry and government sources. The three risks take into account actual coverage amounts employees have to help protect them against those risks (e.g., Life, Disability, CI, and Accident Insurance. The Prutection Score is not intended to advise you or any of your employees what their specific financial needs might be or the exact amount of coverage any one individual might need now or in the future. The resulting scores are to be used for an entire group of employees or large demographics within a group. Results are not to be used at an individual level. Individuals should contact a financial professional regarding their personal situation. Prudential is not responsible for uses made of this information inconsistent with the description provided here.
