New data exposes the massive financial waste from underused benefits programs, raising the question of whether offering them without radical systemic changes is doing more harm than goodAs employees tune out and benefits go unused, HR teams are forced into the role of financial educator in a system that was never built to be understood, bleeding value and eroding trustNEW YORK, March 27, 2025 /PRNewswire/ -- Nayya , the AI-powered benefits optimization platform, today released its 2025 Benefits Value Gap Report , exposing a hard truth for HR leaders and company executives: the $3 trillion employers spend annually on benefits is being drained by a system built on broken incentives and obsolete design. In fact, without modernizing the entire process, that investment may be doing more harm than good.According to Nayya's survey of 500 benefits-eligible employees, just one in ten understands the true value of their benefits. 70% of employees stick with the same benefits year after year, even after major life changes like new diagnoses or salary shifts—leaving valuable savings and protection on the table. Many don't view health benefits as part of their compensation at all. This disconnect isn't just inefficient—it's dangerous. It leaves employees financially exposed, drives up employer costs, and undermines the intended value of the benefits system itself."If employees can't use or understand their benefits, why offer them at all?" asked Sina Chehrazi, founder and CEO, Nayya

NEW YORK, March 26, 2025 /PRNewswire/ -- Nayya today announced that it is working with Mercer to introduce its cutting-edge Nayya Claims service to a set of Mercer's voluntary benefit clients in the US.Nayya's innovative offering helps employers empower their employees. By analyzing claim data, Nayya's service, built on advanced technology, uncovers potential opportunities and identifies instances where employees may be eligible for additional voluntary benefits that might have been previously overlooked."Our mission has always been to empower employees with the knowledge and tools they need to maximize their benefits," said Sina Chehrazi, CEO at Nayya. "By introducing Nayya Claims to select employers, Mercer is offering their clients' employees the ability to take control of their healthcare finances, ensuring they receive every dollar of benefit from their voluntary plans."The Nayya Claims service operates on a simple yet powerful premise: the platform scans medical claim records to detect potential supplemental health claim reimbursement opportunities. This proactive approach helps employees recover money they might have missed, and enhances overall satisfaction with their benefits packages."Mercer is committed to offering innovative solutions that improve the employee experience," said Simon Camaj, Mercer's Life, Accident, Disability, and Voluntary Benefits Practice Leader. "By introducing this benefit to select clients, we are helping them make the most of the benefits they offer their employees."Key benefits of the Nayya Claims service:Proactive Claims Analysis: Utilizes state-of-the-art technology to review medical claims for potential opportunities.User-Centric Design: Secure, confidential outreach to members to assure they receive the benefits they deserve.Financial Empowerment: Helps employees uncover missed benefits and recoup funds from voluntary plans.Streamlined Experience: Simplifies the claims review process, reducing the administrative burden and improving overall satisfaction.Nayya's agreement with Mercer marks a significant step in advancing employee-centric benefits solutions. Both companies are dedicated to ensuring employees not only understand but fully leverage the benefits available to them—ultimately helping employers foster a more financially secure and engaged workforce.For more information about Nayya Claims, please visit nayya.com or contact [email protected].About Nayya:Founded in 2019, Nayya is on a mission to connect people's most important information, so they can thrive in their health and wealth