Having great benefits isn’t just about having a good healthcare program or 401(k) plan anymore, says Ellen Exum, vice president of global health and wellness strategy at IBM. It’s also about providing employees perks that will promote well-being and help ease their financial stress.

That’s why IBM hired Welltok, a software as a service provider that helps companies provide multi-channel engagement services, resources, rewards and predictive analytics, for various health and financial wellness benefits.

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