White paper

Employees are turning to AI for answers. Are HR leaders ready?

AI is changing how employees make health and wealth decisions, often faster than organizations can adapt. Nayya’s latest research reveals where employees have confidence in AI, where skepticism remains, and how HR leaders can use these insights to design smarter, more trusted benefits strategies for 2026.

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The Disconnect
Employees say one thing, but do another.
Nearly 70% of employees cite serious concerns about AI.
29% worry about data security
~25% worry about replacing human decision-making
15 % worry about the accuracy of AI-generated advice
Yet the majority still use AI tools in their daily lives.
60%
Of employees use AI for general info and work productivity
73%
Use AI to better understand complex topics
45%
Use AI for health related tasks
This tension between employee attitudes and behaviors is redefining how workplace AI tools are delivered: employees don’t need convincing to try AI, but they expect people leaders to deliver solutions they can trust.
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What You’ll Learn
Inside the report, you’ll find exclusive data and insights, including:
The HR silence problem
Employees avoid asking HR questions about their benefits, often out of fear of looking uninformed or sharing something too personal.
Employer advantage
Despite their concerns about AI, 84% of employees trust their employer to protect personal information—giving HR leaders a unique edge over consumer AI tools.
Personalization demand
Employees believe AI would make their benefits feel more personalized, cutting through generic, one-size-fits-all experiences.
Strategic playbook
Practical steps to implement AI solutions with trust, transparency, and measurable ROI.
Four-tiered strategic approach
01
Build confidence through progressive complexity
02
Design for demographics
03
Position human oversight as an advantage
04
Promote privacy through specialization
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Why This Matters
The moment to act is now.
Employees are already experimenting with AI—even in sensitive health and financial contexts.
Forward-thinking employers can:
Build employee trust with tools designed for benefits, not general use.
Deliver more personalized benefits guidance and support at scale.
Turn growing AI comfort into deeper engagement and measurable ROI.
With benefits data already structured and ready to use, this is the ideal proving ground for AI adoption.

Your workforce is ready. Are you?

This report is more than research—it’s a roadmap for people leaders to build employee trust, boost engagement, and unlock AI’s potential in employee health and wealth.

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Bring AI-powered benefits to life.

See how Nayya delivers health and wealth guidance employees trust and measurable impact for employers.