Introducing the new Rain brand.
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Healthcare leaders are navigating one of the most difficult labor environments the industry has ever faced. Workforce shortages, rising labor costs and burnout are no longer isolated challenges. They are interconnected issues that directly affect patient care, staff safety and financial performance.
Healthcare systems lose roughly 18% of their workforce every year. For critical care roles, the average cost to replace a single critical nurse can cost over $61,000, and the average total cost of turnover for a physician, including recruitment and lost revenue, can be as high as $1.2 million. Meanwhile, the industry is projected to face a 3.2 million worker shortage by 2026.
These pressures show up on the floor every day. Units running short. Clinicians working doubles. Managers scrambling to fill last-minute coverage gaps. And finance teams watching agency and overtime costs climb.
While there are many factors behind this crisis, one issue consistently cuts across roles, care settings and geographies: financial stress.
Rain helps healthcare workers stabilize, build and grow their financial health so they can leave money worries at home and focus on patient care.
Post-pandemic exhaustion has fundamentally changed how healthcare workers think about their careers. Nearly 40% of RNs report plans to leave the profession within the next five years, and many others are leaving permanent roles for travel or agency work that offers higher short-term pay.
At the same time, healthcare organizations face increasing regulatory and compliance pressure. Mandatory staffing ratios have expanded into more than 15 states. Private equity consolidation is reshaping care delivery. And patient expectations remain high, even as staffing becomes more unpredictable.
To keep doors open and ratios compliant, many facilities rely on travel nurses and agency staff. These roles often cost two to three times more than permanent employees, placing significant strain on already thin margins.
The downstream impact is all too familiar. One missed shift leads to mandatory overtime. Overtime accelerates burnout. Burnout increases turnover. Turnover forces greater reliance on premium labor.
As one healthcare leader put it, “Some nurses are working doubles every week because we cannot keep positions filled.”
Healthcare organizations have invested heavily in sign-on bonuses, shift differentials, pickup bonuses and retention stipends. While these incentives can help attract candidates, they often fail to address the daily realities that drive absenteeism and attrition.
Many healthcare workers live paycheck to paycheck, even when wages are competitive. Unexpected expenses like childcare gaps, car repairs or medical bills can quickly turn into financial emergencies. When payday is still days away, those emergencies often result in last-minute call-outs or tough decisions about whether to stay in a permanent role at all.
Financial stress does not stay outside the workplace. It affects attention, productivity, engagement and reliability. It shows up as missed shifts, distracted care and ultimately, resignation letters.
Rain is designed specifically for environments like healthcare, where reliability, compliance and workforce stability are non-negotiable.
Rain gives healthcare workers responsible access to wages they have already earned, without changing pay cycles, disrupting payroll workflows or increasing risk. When employees can access their earned pay before payday, financial emergencies are far less likely to turn into missed shifts.
This simple capability creates meaningful impact across HR, Payroll and Finance.
Missed shifts rarely happen in isolation. One call-out can cascade into unsafe staffing ratios, mandatory overtime and burnout across an entire unit.
Rain helps reduce financially driven absenteeism by giving employees flexibility when life happens. Workers are more likely to show up for scheduled shifts, clock in on time and pick up additional shifts when they know they have access to money they have already earned.
Healthcare organizations using Rain consistently see more hours worked per month and a higher likelihood that staff pick up extra shifts. For patients, this means better continuity of care. For managers, it means fewer last-minute staffing crises.
Financial stress is a powerful distraction, especially in high-stakes clinical environments where relentless focus matters.
By helping employees smooth cash flow between paydays, Rain reduces the cognitive load that comes with financial anxiety. When healthcare workers are not worried about making rent or covering basic expenses, they are better able to focus on patients, follow protocols and engage fully with their teams.
Improved financial stability leads to higher morale, stronger engagement and better day-to-day performance across clinical and non-clinical roles alike.
Every shift filled by agency or travel staff comes at a significant cost. While premium labor is sometimes unavoidable, overreliance drains budgets that could otherwise be invested in wages, benefits and long-term workforce stability.
Rain helps healthcare organizations stabilize their permanent workforce by addressing one of the biggest reasons clinicians leave for agency work: immediate financial pressure. When workers feel financially secure, they are less likely to chase short-term pay elsewhere.
For finance leaders, this translates into reduced agency spend, lower overtime costs and more predictable labor expenses. For HR, it means stronger retention without escalating compensation structures.
Healthcare organizations invest thousands of dollars recruiting, onboarding and training each RN, CNA, technician or specialist. Losing that employee within months erodes institutional knowledge, continuity of care and team cohesion, while driving up replacement costs.
Rain supports retention by improving employee financial health. When financial stress goes down, loyalty and engagement go up. Workers stay longer, build stronger relationships with their teams, and are more likely to refer peers.
In fact, a majority of workers with access to their earned wages report being more likely to refer friends, helping healthcare organizations attract talent without increasing recruiting spend.
Payroll and compliance concerns are often the biggest barriers to adopting new benefits. Rain was built with healthcare’s regulatory environment in mind.
Rain integrates with more than 50 payroll and timekeeping systems and requires only a standard deduction file. Of all U.S. earned wage access providers, Rain collects the least amount of employee data, and doesn't collect SSN or birthdate information. Additionally, there is no disruption to payroll cycles and no added administrative burden.
Rain is fully HIPAA compliant and never accesses or stores protected health information. It only uses employee names, hours worked and wage rates for earned wage calculations. All data is encrypted in transit and at rest, integrations are read-only and detailed audit trails are maintained.
For payroll teams, Rain strengthens audit visibility rather than complicating it. For compliance leaders, it meets the expectations of regulated healthcare environments.
Rain supports healthcare organizations across the full continuum of care, including behavioral health facilities, diagnostic labs, imaging centers, rehabilitation clinics, OB and women’s health practices, assisted living facilities and rural health clinics.
Across every setting, the results are consistent. Better attendance. Higher engagement. Improved retention. And teams that can focus squarely on patient care instead of financial stress.
Health care can’t solve its workforce crisis through bonuses, overtime and premium labor alone.
Stabilizing the workforce starts with supporting the financial health of the people who are dedicated to delivering quality patient care every day.
Rain helps healthcare organizations fix the financial stress that drives clinical talent out the door. By improving attendance, productivity, engagement, retention and employee financial health, Rain delivers measurable ROI for the HR, Payroll and Finance while protecting what matters most, which is patient care.
When clinical teams are financially stable, shifts stay covered, costs come down and care quality improves across the system. Everyone benefits, employees and the organization.
Want to learn how Rain can keep your healthcare workers on the job and providing the best patient care? Speak with one of our experts today.
© 2026 Rain Technologies Inc.
