'Entities from 54 countries (90%) stated that they covered part of healthcare expenses of all employees; offer a life insurance in 51 countries (83%) and/or disability insurance in 44 countries (83%). Moreover, entities in 24 countries stated that they have improved their social benefits this year, on: healthcare expenses in 15 countries, life insurance in 15 countries (25%) and disability insurance in 12 countries (23%).' Found on page 474