It’s not the fact that you lack an in-office foosball table or smoothie bar—your Millennial applicants may be giving you a pass due to something far more basic: lackluster insurance offerings.

A new survey of nearly 1000 adults conducted by Anthem found that 35% of Millennials (ages 18 to 34) have turned down a job offer either fully or partially due to the fact that they were dissatisfied with insurance offerings, compared to 27% of U.S. respondents overall.

The survey found that Millennials are more likely than the previous generation (29% of 18 to 34 year-olds vs. 19% of 35 to 54 year-olds) to have engaged in long-term financial planning over the past year. An Anthem press release notes that “[t]his fact underscores that disability insurance, which protects a person’s income when they are unable to work due to injury or illness, should be a critical part of a benefits package and of significant importance to younger workers. While a free massage at work might get the knots out of your back, disability insurance can better position you for long-term financial health.”

“We understand that money can be a huge cause of stress for many people no matter their age, and disability insurance is a way to alleviate that worry and prevent many of the other health problems high stress can cause,” says Mike Wozny, president of

Anthem Life Insurance Company. “That’s why it is important to recognize financial planning as a part of a comprehensive, integrated health care plan.”

Of survey respondents who did not have disability insurance, many reported lacking coverage because either their employer did not offer it (53%) or because it was too expensive (32%).