Reports and Surveys | June 25, 2026

Survey: What People Know & Need About Mental Health Benefits

Many Americans need mental healthcare, including nearly 24 percent of adults, according to the Substance Abuse and Mental Health Services Administration (SAMHSA). While use of mental health benefits has grown dramatically since the COVID-19 pandemic among every generation, only 52 percent of adults with mental illness receive treatment. There’s a similar gap between need and care for children.

To gain insight into what’s preventing people from seeking care, we conducted a survey of workers across the U.S. representing a range of industries, occupations and members of all generations in the workforce.

Survey What People Know Need About Mental Health Benefits

What the survey reveals about workers’ perceptions and use of their mental health benefits

People are aware of their mental health benefits

Overwhelmingly, the survey participants are familiar with their mental health benefits, and they trust the information they get about them.

mental health benefits graph 1

 

Most participants are also familiar with a range of mental and behavioral health benefits, with therapy, crisis support and informational apps being especially well known. At least three-quarters of participants said they’re familiar with all of these benefits except coaching:

mental health benefits graph 2

At most participants’ workplaces, use of mental health benefits isn’t encouraged — and people rarely discuss these benefits

Here’s a breakdown of responses to a question about which statement is closest to the survey participants’ work experience:

mental health benefits graph 3

More than half of workers who are caregivers said people are encouraged to use mental health benefits, and it feels normal to do so compared to less than half of workers who are not caregivers.

Normalized use of mental health benefits differs by industry, from a high of 50 percent of workers at professional services firms to a low of 23 percent of workers in construction.

First responders are more likely than office-based workers to say using benefits feels risky or uncomfortable (39 percent vs. 9 percent).

 

We asked the survey participants what they typically hear at work about mental health benefits. More than half said those benefits are rarely discussed.

mental health benefits graph 4

Note: The total exceeds 100% due to rounding.

At the survey participants’ organizations, workplace culture about mental health benefits is more silent than negative.

More men (39 percent) than women (26 percent) said people at work rarely or never mention mental health benefits.

Many people have used their mental health benefits but nearly one-third have not

A large majority of the survey participants indicated that either they or a family member has used their mental health benefits.

mental health benefits graph 5

A greater percentage of women (72 percent) than men (62 percent) said they or a family member has used their mental health benefits.

People’s experiences accessing and using mental health benefits is generally (but not overwhelmingly) positive; however, some people reported various issues

Here’s what the participants told us worked well:

mental health benefits graph 6

Note: The total exceeds 100% because participants could select multiple options.

Relatively few participants reported these issues with using their mental health benefits:

mental health benefits graph 7

Why people aren’t using mental health benefits

Most of those who haven’t used mental health benefits don’t feel they need them.

mental health benefits graph 8

We asked participants: What concern might hold you back from using your mental health benefits? The largest number identified time constraints as a barrier to seeking care.

mental health benefits graph 9

Note: The total does not equal 100% due to rounding.

Twenty-seven percent of men said they prefer to handle mental health issues alone, while 48 percent of women cited time constraints. More men (20 percent) than women (10 percent) are concerned about confidentiality or privacy.

There’s no consensus on when to use mental health benefits

Participants were close to being evenly divided on whether mental health benefits are appropriate for everyday support or just for serious challenges or a crisis.

mental health benefits graph 10

* For example, “I can’t function,” “I’m having panic attacks,” “I can’t sleep” or “I’m close to breaking down.”

A much larger percentage of women (64 percent) than men (35 percent) said mental health benefits are appropriate for everyday support. Conversely, a much larger percentage of men (65 percent) than women (35 percent) said mental health benefits are for serious issues or a crisis.

Stress is an issue for workers and has multiple sources

At least half of participants said they had a high degree of stress in the last year related to work, money, mental health symptoms or family/caregiving.

mental health benefits graph 11

Three percent of participants said none of these issues is a source of stress or that they weren’t sure if these issues are stressors.

Almost all respondents identified a workplace factor that most harms mental health in their workplace. Here’s the breakdown:

mental health benefits graph 12

Four percent of survey respondents chose “not applicable” for this question.

We asked participants whose source of stress is mostly financial or practical (e.g., money, bills, caregiving and/or housing), how likely they are to think of mental health benefits as something they could use. Here’s what they told us:

mental health benefits graph 13a

Note: 1% are unsure.

More than half of participants worry to a moderate or large extent about the cost of receiving mental healthcare if they needed it.

mental health benefits graph 13b

Note: Less than 1% are unsure.

Better information — about cost, providers and how to access care — might encourage utilization of mental health benefits

Although the majority of survey participants didn’t agree on the one change that would most increase their likelihood of using mental health benefits if they needed care, the greatest percentage of participants identified lower costs and greater cost clarity.

mental health benefits graph 14

Note: The total does not equal 100% due to rounding.

We also asked the survey participants to select one item that would make them feel most safe about using mental health benefits. The two options selected by the greatest number of participants address concerns about privacy and costs.

mental health benefits graph 15

Note: The total does not equal 100% due to rounding.

The majority of participants also said clear information is what would increase their trust in their mental health benefits the most.

mental health benefits graph 16

This is what survey participants told us clear information about mental health benefits should include:

mental health benefits graph 17

More than three-quarters of survey participants indicated that, if they were struggling, they would involve their managers, with most identifying listening without judgement and respect for privacy as the desired response.

mental health benefits graph 18

Note: The total exceeds 100% due to rounding.

Six key takeaways from the mental health benefits survey

What the survey reveals:

  1. Affordability and cost transparency are the dominant issues. Cost is a greater barrier to utilization than privacy concerns. Most people want their mental health benefits explained simply and concretely — and say that clarity will build trust.
  2. Scheduling, rather than stigma, is what’s preventing people from using their mental health benefits. Lack of time is a major barrier.
  3. People want practical information. People are familiar with the different types of benefits. They need help understanding what’s covered, what it costs, how to start, who can use it and how to find a provider who fits their needs.
  4. Privacy matters, but practical privacy matters most. People care about confidentiality but being able to use the benefits discreetly, including options for access to care virtually and outside work hours, is more important.
  5. Workplace culture is largely silent on mental health benefits. Although people are aware of mental health benefits, the fact that they are not often discussed at the workplace may discourage engagement.
  6. Workers would like their workplaces to address causes of stress. Relief from workload, staffing, schedule unpredictability and burnout would be the most helpful way to support mental health.

People know about their mental health benefits and many use them, but cost, complexity, time and fit determine whether those benefits are really working to improve well-being.

What organizations can do to encourage use of mental health benefits

Removing barriers to seeking care is the most impactful action organizations can take through these steps:

  • Understand your people's perceptions. Learn about their willingness to use their mental health benefits and map out a plan that will help address their barriers to engagement.
  • Communicate clearly and completely. People want practical information about their mental health benefits to help them understand what’s covered, what it costs, how to start, who can use it and how to find providers. Consider tailoring messages to segments of your population.
  • Ensure benefits can be accessed at times that work best for your people. Scheduling flexibility helps.
  • Provide privacy assurances. Although there is less stigma associated with mental benefits than there was not so long ago, people are still sensitive about using them.
  • Normalize mental health benefits at your workplace(s). Talk about mental healthcare and benefits regularly. Educate managers and supervisors about how best to support your people when they are struggling.
  • Address workplace stressors. Operational changes may reduce day-to-day stress.

Helping your people recognize when they may need professional assistance and encouraging them to use their mental health benefits are important to ensuring the well-being of your population.

Interested in helping your people better understand their mental health benefits so they can improve their well-being?

Discuss strategy with our mental health, organizational effectiveness and benefits communications consultants.

Get in Touch

About the survey of mental health benefits

To better understand workers’ perceptions and use of their mental health benefits, we conducted a survey between May 7 and May 12, 2026 using the Remesh online survey platform.

We surveyed 208 people working in various industries in the U.S., including but not limited to healthcare and social assistance (16 percent), professional services (10 percent), retail (10 percent), accommodation and food services (8 percent), finance and insurance (7 percent), construction and specialty trades (6 percent) and educational services (6 percent).

Sixty-seven percent of participants work in white-collar jobs. The remaining 33 percent work in blue-collar jobs. Ten percent of participants are members of a labor union.

The gender breakdown is 60 percent female, 39 percent male and 1 percent “prefer not to say.”

By generation, 3 percent are members of Gen Z (born 1997–2012), 50 percent are Millennials (born 1981–1996), 42 percent are members of Gen X (born 1965–1980) and 4 percent are members of the Baby Boom generation (born 1946–1964).

The survey questions were a mix of multiple-choice and open-ended questions.

We thank our colleagues Elena Lynett, Candice Pokk and Ettore Toppi for contributing survey questions.

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This page is for informational purposes only and does not constitute legal, tax or investment advice. You are encouraged to discuss the issues raised here with your legal, tax and other advisors before determining how the issues apply to your specific situations.