Concern about money is no longer a topic restricted to personal life and has started to directly affect the work routine. In Brazil, 1 in 3 CLT workers faces financial difficulties, which reduces, on average, 3.3 hours of productivity per week.
In a company with 5 thousand employees, this effect can represent an annual cost of R$5.3 million, according to the X-ray of the financial health of Brazilians 2025a study carried out by Icatu in partnership with Onze. The data reflects a broader scenario: today, 49% of Brazilians point to money as their main concern, ahead of health and family.
Drop in productivity
The financial pressure does not end when the employee starts work. It permeates the workday, affects behavior and compromises the ability to concentrate. According to the same survey, 60% of professionals say that the topic directly impacts their performance.
This situation intensifies given the drop in population. Around 87% of Brazilians have less than a month’s salary as , which increases vulnerability in the face of unforeseen events. The result appears in the routine: interruptions, loss of focus and drop in productivity.
The effect is not limited to performance. It also influences career decisions. According to the Icatu survey, 70% of professionals would consider changing jobs to a company that offers corporate pensions or corporate support.
The data repositions the theme within the business strategy. Benefits no longer occupy just the sphere of cost and start to act as instruments of retention and competitiveness in the job market.
Management tools
Given this scenario, group and group solutions take on a more strategic role. These instruments function as long-term financial stability mechanisms, capable of reducing pressure on employees and improving the work environment.
“The employee’s financial health is directly connected to the health of the business. When the company offers protection instruments, it reduces invisible impacts and improves efficiency”, says Henrique Diniz, director of Pension Products at Icatu Seguros.
Invisible question
The does not appear in the balance sheets, but its effects are concrete. It consumes productive hours, puts pressure on teams and increases indirect costs. When the company addresses the topic in a structured way, it begins to capture measurable gains in productivity, engagement and retention.
In this context, they are no longer just operational expenses and become part of a long-term return strategy.
By integrating financial protection solutions into people management, companies transform a silent liability into a performance lever. In this movement, initiatives such as those developed by point to a more pragmatic path: treating money not as an additional benefit, but as part of the structure that supports growth, efficiency and results.
More information about
