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Financial Well-Being Resources

Why it Matters

Having enough, and freedom from worry. We need money for food, rent or mortgage, health care, medical bills and basic expenses of daily living – basic needs. Lack of access to basic needs and personal safety are linked at all stages of life to physical and mental illness, post-traumatic stress, shorter lifespans and poorer quality of life, which can result in poorer job performance, reduced ability to concentrate, lower productivity and absenteeism at work. Interestingly, research shows that ‘extras’ don’t really contribute to our well-being, unless it is for fun activities and friends, or expenses that match our values.

How our Caregivers are Impacted

In the spring of 2020 NWWA Caregivers participated in a Caregiver Health and Well-being Monitor™ that showed significant impacts around financial wellbeing. See a few highlights from this section below:

  • Caregivers with no unmet basic needs do better: 18% higher well-being (Core4™ Well-being Index) among caregivers reporting no unmet basic needs.
  • Yet, 39% of NWSA caregivers (estimated 1,900+) report at least one unmet basic need. This is 7% higher than county 2019; 22% worse post COVID-19
  • Almost 1 in 5 (17%) of caregivers reported 2 or more unmet basic needs. The well-being score for these folks is very low (D-).
  • Those most affected (those with a greater intensity of needs): caregivers who work evening shift, are younger, are singles with children, who reported lower education & income, are people of color, and those who identified any type of personal discrimination (race, gender, sexual orientation, or other) in the past year.

NWWA Caregiver Resources

Benefits, Payroll and Retirement

HR Service Portal: The Portal is a hub of resources for caregivers, with links to the Caregiver Assistance Program, benefits information, Choose Well resources, and more. Or call the Benefits Service Center: 888-615-6481, weekdays 7:30 a.m. to 6 p.m. Pacific time.

Quick Navigation Tip: Log in to the HR Service Portal, from the HR Service Portal Home Page, go to the top green navigation bar on the upper left and select ‘Find HR Information’ select ‘Benefits’ from drop down menu. https://www.hrforcaregivers.org/hrguest

Fidelity Retirement Planner

You can schedule time for help with your retirement strategy. Fidelity offers complimentary one-on-one consultations as part of your total rewards benefits. A Retirement Planner can help you decide how much to contribute, how to maximize your contributions, and assist with your contribution calculations. Visit getguidance.fidelity.com to schedule your appointment.

 

Financial and Well-Being Resources

Providence Caregiver COVID-19 Resources: programs and temporary benefits to care for you during the COVID-19 pandemic. This site details benefits information, wellness resources, and more. 

ChooseWell Resources:

  • ChooseWell COVID-19 Resources Page: well-being and resilience resources and tools to use during these difficult and uncertain times. Includes:
    • Back up Care – Bright Horizons and Child and Elder Care
    • School Resources
    • Mental Health

Local Resources

  • Hardship loan through the Providence Federal Credit Union
  • Helping Hands Grant Administered by the Providence General Foundation, this is a one-time grant up to a maximum of $1,000 to provide short-term assistance for basic necessities. Grants are available for caregivers who have been financially affected by COVID-19.
  • Employee Assistance Loan Caregivers are eligible to receive loans up to $500, paid back through payroll deduction.

Video Resources

Watch a series of Financial Planning classes created in partnership with Workforce Snohomish County.

Series 1: Cash Flow Budget

Series 2: Credit

Additional Helpful Hotlines and Website Resources

WSU Extension: Covid-19 and Financial Management

MyMoney.Gov : financial literacy and education offering information regarding the My Money Five: earning, saving, protecting, spending, and borrowing.

NerdWallet: information on managing money, comparison and reviews of credit and debit cards, mortgages, investment accounts, and banks. Site offers financial calculators, tools, guides, and more.

Kiplinger.com Provides a variety of personal financial information, including investing, planning, budgeting, and spending. Site offers slide shows, videos, quizzes, financial calculators, news columns, e-newsletter, special reports, podcasts, blogs, and more.

National Foundation for Credit Counseling (NFCC): Money and credit management education. Users may schedule an appointment with an NFCC Financial Counselor and search for a nearby member credit counseling agency. Free resource. Counseling fees may vary.

Local Community Resources

LiveWell Local Logo

LiveWellLocal.org powered by Providence Institute for a Healthier Community, is a hyper-local search and collaboration tool for health and well-being resources that makes it easy to find and connect with the many community assets in Snohomish County that support health and healing.

Here you can connect with a wide range of local assets that support and enhance the quality of life for you, your family and your patients in Snohomish County.

Type in a keyword or browse the topic categories under Security and Basic Needs – to support your well-being journey.  

Download a flyer to share with your community.

Explore Financial Video Resources

Explore a series of videos with helpful information regarding financial management and planning.