Personal Finance Problems Distract Workers Credit: Stress Image via Shutterstock

Co-workers, emails and social media aren't the only things distracting employees during the workday.

Personal finances are also proving to be a big worry during work for more than 40 percent of full-time U.S. employees, new research revealed.

Among those stressing about money problems, nearly half are spending between two and three hours per week at work dealing with personal finances.

"Stress over money takes both a mental and physical toll on workers, impacting health-related costs and reducing productivity by a significant number," said Richard Carrano, president and CEO of Purchasing Power, the voluntary benefit program provider that conducted the survey. "Employees' financial problems become the employer's problems as well."

Overall, 44 percent of those who are employed, or whose spouse is employed, full-time believe they are better off financially today than they were a year ago. Despite that, 28 percent have trouble meeting monthly household expenses and 44 percent don't have at least $2,000 in emergency savings for unexpected expenses that occur.

The study shows to address their employees' financial well-being, many businesses are offering financial education and financial wellness programs at work in an attempt to help staff members change their money behaviors and increase their financial literacy, including on-site money management and financial planning seminars. 

Carrano said it pays off when companies help employees with their financial wellness.

"Employees experience a better financial well-being and feel less stress," he said. "For employers, the result is productive workers who are engaged and focused, and an increased bottom line."

The study was based on surveys of more than 2,000 U.S. adults over age 18, of whom 1,029 are employed full time and/or whose spouse is employed full time.

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