Delivering Personalized Benefits for a Multigenerational Workforce

Verlinda DiMarino didn’t spend hours researching her options when her 86-year-old mother asked for a getaway to New York to watch Broadway shows for her birthday. Instead, she called her company’s travel concierge, the same service she had previously used to plan a Harry Potter World excursion in London. “They take that work off the shoulders of our employees,” DiMarino, the Head of Benefits at Liberty Mutual Insurance, said. “So they can basically function and be more productive in their work as well as in their life.”DiMarino sat down with Wall Street Journal columnist Callum Borchers at From Day One’s Boston benefits half-day conference to lay out a vision for employee benefits that treats workers as whole people across a multigenerational workforce.Wraparound Benefits for a Multidimensional WorkforceThe old model for benefits packages, health, a 401(k), and dental, no longer cuts it. “Employees today, no matter where they are in their life journey, are looking for programs and benefits that support them holistically,” she said. “It’s really a part of the value proposition today.”Borchers, who also teaches at Bentley University near Boston, drew a parallel to the shift in higher education toward “wraparound services.” Just as students need more than classroom instruction to succeed at higher learning institutions, employees need other things besides a paycheck to thrive. Verlinda DiMarino, head of benefits at Liberty Mutual, spoke with Callum Borchers, columnist at the Wall Street JournalThe challenge becomes deciding what to offer a workforce that includes everyone from recent college graduates to employees in their 80s. DiMarino says the answer starts with data. Liberty Mutual uses employee surveys, focus groups, and employee resource groups (ERGs) to determine what workers really want. “We partner with them regularly in terms of understanding the needs of their community and the allies in their communities,” she said.Listening to employees led Liberty Mutual to expand its fertility program to include perimenopause and menopause support. “When women get to the top of their license, and they’re going full throttle and hitting all cylinders, their hormones start to kick in, and they’re starting to have some brain fog,” DiMarino said. “We don’t want to lose those women from the workforce.” The fertility program now covers more needs, such as family-forming fertility benefits, menopause support, and testosterone replacement therapy for men. One Program, Multiple Life StagesDiMarino highlighted Liberty Mutual’s retirement program as a prime example of benefits designed for everyone. It’s a standard 401(k) on its surface, but it also provides financial counseling, which includes unlimited, one-on-one sessions on budgeting, retirement strategy, and draw-down planning. The company also launched a student loan match package. “Some of our employees coming right out of school are challenged with some student loan debt,” DiMarino said. The program matches student loan payments with matching contributions, helping early-career employees to pay down their debt and build retirement savings. The same program offers mid-career employees an emergency savings benefit and support for home buying. “Within that one program, we are meeting the needs of early career employees dealing with student loan debt,” she added. “We’re helping our mid-career employees as they plan to buy homes, as well as providing support for retirement planning.”Where Artificial Intelligence Helps and Where Humans StayBorcher asked DiMarino about how Liberty Mutual navigates around AI in HR as an increasing number of workplace interactions become automated. “We don’t think of AI as a replacement. We understand that it’s generative, it’s not creative,” she replied. “That’s what our talent is. We’re creative.”Liberty Mutual uses AI for tasks like consolidating dense vendor decks or pulling salient points from documents. “That’s a great use case for AI,” she said. As for employee appetite for AI? That depends on the generation. “My daughter would rather never talk to a person if she could,” DiMarino said. “And then there are employees that want paper, they want to read something and see that it resonates and it makes sense, and then they want to call and clarify.”Covering GLP-1s as a Strategic InvestmentBorchers asked about one of the hottest topics regarding benefits today: GLP-1 coverage. He recalled that DiMarino had recently told a room of her peers that, “AI and GLP-1s were like the two big things on the bingo card.”Liberty Mutual covers GLP-1s for both diabetes and weight loss. “It really aligns with our philosophy that we want a healthy workforce,” DiMarino said. “If you’re at a healthy weight, you’re likely going to have fewer comorbidities. You’re going to be able to sleep better, you’re going to be more productive.”DiMarino acknowledges the high cost of GLP-1s, but frames it as a long-term investment in lower cardiac risk, reduced diabetes spending, and improved cholesterol management. Liberty Mutual built in wraparound lifestyle support when it moved to a new pharmacy benefits manager in 2026. “We wanted to give them the tools and the support around lifestyle management, being able to eat appropriately,” she said, especially for employees who want to titrate down or come off the medications.That coverage has now become a recruiting tool. “We do occasionally have employees. When they’re considering employment with Liberty, they’ll say, ‘Do you offer these medications?’” DiMarino added. “We’re happy to say that we do.”Benchmarking for Top TalentBorchers asked how much employers should keep an eye on competitors when designing benefits. “That’s important, because you want to be the employer of choice,” DiMarino said. Liberty Mutual benchmarks against a peer set that includes other insurance companies as well as “the most admired companies and the top 100.”Regarding hybrid work, which is another popular benefit, Liberty Mutual requires employees within 50 miles of an office to come in two days a week, allowing them to work from home on the remaining days. “That is extremely popular with our employees,” DiMarino said. The company also offers “virtual weeks” around holidays like winter break and back-to-school time, when everyone works from home.DiMarino’s message, delivered through stories of fertility benefits, travel concierges, and Broadway trips, suggests that the companies that invest in true wraparound support will be the ones employees remember.Ade Akin covers artificial intelligence, workplace wellness, HR trends, and digital health solutions.(Photos by Josh Larson for From Day One)