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Case study

How Earned Wage Access Saves the Day at Owens & Minor

Financial emergencies don’t wait for payday. For employees at all levels, an unexpected car repair or medical bill can mean choosing between using credit cards, taking out payday loans, or asking friends or family for financial help. And with 77% of U.S. employees reporting financial stress, these situations are far more common than most employers realize.

Earned wage access (EWA) is a financial well-being benefit that helps employees address their needs — or simply have more control over their pay — without becoming trapped in a cycle of debt. It’s not a loan; it’s money they've already earned, accessible when they need it.

From skepticism to gratitude

For Owens & Minor, offering EWA has made a real difference. In this customer testimonial, the company’s director of global payroll shares how opinions about EWA have changed based on firsthand experience. Faced with an emergency, employees can easily sign up, log in, and transfer funds on their own terms without incurring interest or debt.

That transformation from “I don’t know what this is” to “this saved the day” is what makes Owens & Minor’s global payroll director feel good about their decision to offer this financial well-being benefit.

But her relationship runs deeper than just with the support she receives for these tasks. She also has standing monthly meetings with her OSV tax accountant to ensure everything stays in balance, and her customer success managers check in proactively.

And when a problem arose early in the partnership, someone from OSV reached out to talk her through it. That's why she goes to bat for OSV during contract renewals. In her own words: “You can't put a price tag on that.”

Watch the video to learn:

  • How firsthand experience with EWA was crucial for changing minds
  • How EWA gives employees control and discretion over their own money
  • How positive customer stories have reinforced Owens & Minor’s decision to offer EWA

See how one company helps employees handle financial emergencies without debt. 

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