Do you have a strong foundation of best practices for your wellness program?
Nine out of 10 U.S. corporations offer some type of wellness initiative, according to a study by the International Foundation of Employee Benefit Plans. Read on to learn how you can improve involvement in your company's wellness program.
Wellness programs at the office are becoming increasingly popular, but not all of them are as successful as they could be. Here are three simple things you can do to improve involvement in your association’s wellness program.
The International Foundation of Employee Benefit Plan’s new study—A Closer Look: Workplace Wellness Trends—takes a deeper dive into data from one of its previously published studies, with an aim to “determine practices that lead to potential wellness success.”
To do so, IFEBP analyzed responses from 431 U.S. corporations and government entities, and what the foundation uncovered is that nine out of 10 of the respondents offer some type of wellness initiative.
But the wellness initiatives they offer vary, ranging from fitness challenges and employee assistance programs, to healthy food and drink choices in the kitchen and opportunities for employees to do charity work.
Employers’ goals for even instituting wellness initiatives differ widely too. “There are a lot of different reasons why employers have wellness programs,” said Julie Stich, associate vice president of content at IFEBP. “You want your employees to be healthier, not only to keep healthcare costs down, but you want to increase their morale, increase their productivity and efficiency while they’re in the office, [and] you want to cut back on absenteeism …”
No matter the program or the goals associated with it, here are a few ingredients IFEBP has found are essential in creating a successful wellness program:
Leadership involvement.
“What we’ve seen repeated over and over in our analysis of our data was the involvement of leadership,” Stich said. And it’s important that the leaders of the organization support it publicly and communicate about it with their employees, encouraging staff, for example, to go get their flu shot during work hours or get up from their desks and take a walk. But leadership participation in the initiative is also important. “When you’ve got a fitness challenge going on, you actually [want to] see the CEO taking their walk around the building as well,” Stich said.
Communication.
Employers might first ask their employees what they’d like to see in a wellness program, whether a flu shot or a lunch-and-learn session on stress management and then use that feedback in crafting the organization’s wellness program. But, after an organization has launched an initiative, “it’s important to always be reminding employees about your wellness program and its activities,” Stich said.
Incentives.
Offering incentives is a great way to motivate employee involvement in an organization’s wellness initiative. One way to do this is to put the names of staff who are participating in the program into a raffle and then hold a gift card drawing.
Stick it’s important to keep in mind that the results of such a program won’t be revealed quickly. “You’re not going to see a positive or any kind of ROI in the first year,” she said. “If you roll out a new program or a new component of your program, it takes on average three to five years before you can really get a good sense of whether this is working or not and what impact it’s having.”
SOURCE: Smith, K. (20 March 2018) "Do you have a strong foundation of best practices for your wellness program?" (Web Blog Post). Retrieved from https://www.provanthealth.com/industry-trends/2018/3/26/are-you-succeeding-at-the-three-the-foundational-elements-of-a-successful-program
Original source: Associations Now | Emily Bratcher | How to Boost the Success of Your Workplace Wellness Program
What Benefits and Perks Do Employees Actually Want?
What employee benefits does your organization offer? Today's benefit offerings have grown to include much more than just healthcare benefits. Read this blog post to learn what benefits and perks your employees want.
With open enrollment just around the corner for most companies, employee benefits are top of mind. Today’s offerings have grown to include more than just medical, dental, and vision coverage. Companies are now including perks like scheduling flexibility, tuition reimbursement, and even parental assistance as part of their overall package.
Let’s cut through the hype: what benefits and perks do employees actually care about? As someone who has administered his fair share of open enrollments, I’ve wondered the same thing. But over the years, I’ve learned that you sometimes just need to ask. By running benefits “pulse” surveys, HR teams can get the data and perspective they need to tailor their company’s offerings.
It’s also important to research what’s happening in the marketplace and what your competitors are doing. When was the last time you spoke to your benefits broker? They’ll have the greatest visibility into what types of claims employees are filing and where you might have coverage gaps. Working closely with your broker is one of the easiest ways to ensure you’re meeting employees’ expectations and the job market’s standards.
While studies have shown that traditional medical, dental, and vision coverage are still employees’ top priority, here are some non-traditional offerings that your employees may be clamoring for:
- Parental assistance and leave: Companies are now enriching their policies with tools that assist new parents, including everything from post-birth specialist care to reimbursements for newborn necessities.
- Virtual medical care: One of the hottest trends is virtual medical care. Employees can have access to a doctor 24/7 via a laptop or smartphone, all in the comfort of their own home.
- Tuition reimbursement and assistance: Today, Americans owe over $1.3 trillion in student loans. That’s more than twice what they owed a decade ago. Needless to say, young employees are looking for companies that offer some type of student loan assistance.
- Mental health: Over 18 percent of adults in the United States experience some form of anxiety disorder. Given the growing national focus on mental health issues, it’s no surprise that workplaces are joining the conversation. Increasingly, businesses are offering workers better access to mental health therapists and coaches.
- Physical wellness: Two words: gym reimbursements. Sometimes the motivation to work out can be hard to muster, but when your gym membership is paid for by your employer, why not take full advantage? Healthier, more active employees could lead to lower medical insurance costs, too!
Those are just some of the unique benefits that you should consider offering employees. At the end of the day, I’ve learned that each workplace has different needs and wants. Be sure to regularly survey employees on their preferences and keep tabs on what peer companies are offering.
SOURCE: Cosme, J. (14 November 2018) "What Benefits and Perks Do Employees Actually Want?" (Web Blog Post). Retrieved from https://blog.shrm.org/blog/what-benefits-and-perks-do-employees-actually-want
Employers Assess Risk Tolerance with Wellness Program Incentives
Do you offer wellness programs to your employees? Employers are now uncertain to what extent they can use incentives as part of a wellness program. Continue reading to learn more.
Employers designing 2019 wellness programs must decide what approach to take on program incentives without Equal Employment Opportunity Commission (EEOC) guidance on the Americans with Disabilities Act (ADA) and the Genetic Information Nondiscrimination Act (GINA).
The commission has a Notice of Proposed Rulemaking tentatively slated for January 2019. Last year, the U.S. District Court for the District of Columbia decided the commission's 2016 ADA and GINA wellness regulations were arbitrary and vacated them, effective Jan. 1, 2019.
Employers again are "in the uncomfortable position of not knowing with certainty whether and to what extent they can use incentives as part of a wellness program that involves medical examinations, disability-related inquiries and/or genetic information," wrote Lynne Wakefield and Emily Zimmer, attorneys with K&L Gates in Charlotte, N.C., in a joint statement.
The Society for Human Resource Management (SHRM) "has long advocated for proposals that will ensure consistency between the wellness rules that the EEOC has jurisdiction over, the ADA and GINA, with those provided under the ACA [Affordable Care Act]," said Nancy Hammer, SHRM vice president, regulatory affairs and judicial counsel. "While EEOC's 2016 rulemaking effort adopted the ACA's 30 percent incentive, it added new requirements that would have discouraged employers from providing wellness options for employees. We are hopeful that the EEOC is able to revisit the rules to ensure both consistency with existing rules and flexibility to encourage employers to adopt innovative programs to improve employee health and reduce costs."
ADA and GINA Requirements
Employers have long sought guidance over whether and when wellness program incentives—rewards or penalties for participating in biometric screenings and health risk assessments connected with the programs—comply with the ADA and GINA.
The ADA prohibits employers from conducting medical examinations and collecting employee medical history as part of an employee health program unless the employee's participation is voluntary, noted Ann Caresani, an attorney with Tucker Ellis in Cleveland and Columbus, Ohio.
GINA prohibits employers from requesting, requiring or purchasing genetic information from employees or their family members, unless the information is provided voluntarily.
The EEOC in 2000 asserted that for a wellness program to be voluntary, employers could not condition the receipt of incentives on the employee's disclosure of ADA- or GINA-protected information.
However, in 2016, the commission issued regulations providing that the use of a penalty or incentive of up to 30 percent of the cost of self-only coverage would not render involuntary a wellness program that seeks the disclosure of ADA-protected information. The regulations also permitted employers to offer incentives of up to 30 percent of the cost of self-only coverage for disclosure of information, in accordance with a wellness program, about the manifestation of a spouse's diseases or disorder, Caresani said.
Wakefield and Zimmer noted that the EEOC's 2016 wellness regulations applied to wellness programs that provided incentives tied to:
- Biometric screenings for employees and spouses.
- Disability-related inquiries directed at employees, which might include some questions on health risk assessments.
- Family medical history questions, such as risk-assessment questions that ask about the manifestation of disease or disorder in an employee's family member and/or such questions about the disease or disorder of an employee's spouse.
- Any other factors that involve genetic information.
Court Actions
The AARP challenged the 2016 rule, arguing that the 30 percent incentives were inconsistent with the voluntary requirements of the ADA and GINA. Employees who cannot afford to pay a 30 percent increase in premiums would be forced to disclose their protected information when they otherwise would choose not to do so, Caresani explained.
While the 30 percent cap was consistent with the Health Insurance Portability and Accountability Act (HIPAA) as amended by the ACA, the AARP said this was inappropriate, as HIPAA and the ADA have different purposes, noted Erin Sweeney, an attorney with Miller & Chevalier in Washington, D.C..
In addition, the change from prohibiting any penalty to permitting one of 30 percent was not supported by any data, according to the AARP.
In the summer of 2017, the U.S. District Court for the District of Columbia held that the EEOC's rule was arbitrary. The court sent the regulations back to the EEOC for further revisions.
In December 2017, the court vacated the 2016 rule after the EEOC initially said that the new rule would not be ready until 2021.
Conservative to Aggressive Approaches
Wakefield and Zimmer observed that employers may take several different approaches as they design wellness programs for next year:
- No incentives (most conservative approach). These types of wellness programs can still include biometric screening and health risk assessments that employees and spouses are encouraged to complete, but no rewards or penalties would be provided in connection with their completion.
- Modest incentives (middle-ground approach). A modest incentive is likely significantly less than 30 percent of the cost of self-only coverage, given the court's finding that the EEOC did not provide adequate justification for an incentive level-up to 30 percent.
- Up to 30 percent incentives (more aggressive approach). Although the court did not rule that a 30 percent incentive level would definitely cause a wellness program to be considered involuntary, incentives at this level after 2018 likely will expose employers to lawsuits, they wrote.
Multiple-Point Program
One good way to demonstrate compliance, they noted, is a multiple-point program in which participants engage in different activities and earn an incentive by participating in enough activities apart from biometric screenings, risk assessments or providing their spouse's health information.
For example, an employer could let employees take health care literacy quizzes or offer a program that measures a worker's activity as opposed to fitness, Caresani noted. She said, "Programs that are participatory are probably less effective than outcome-based programs, but they are more popular with employees and are less likely to pose litigation risks."
SOURCE: Smith, A. (1 August 2018) "Employers Assess Risk Tolerance with Wellness Program Incentives" (Web Blog Post). Retrieved from https://www.shrm.org/resourcesandtools/legal-and-compliance/employment-law/pages/risk-tolerance-wellness-program-incentives.aspx
Stress in the Workplace
Your employees' stress levels can interfere with their productivity and performance. Extreme stress levels can also impact employees' health and affect their personal lives. Continue reading this blog post to learn more.
When is workplace stress too much?
If stress on the job is interfering with your work performance, health, or personal life, it’s time to take action. No matter what you do for a living, or how stressful your job is, there are plenty of things you can do to reduce your overall stress levels and regain a sense of control at work.
Common causes of workplace stress include:
- Fear of being laid off
- More overtime due to staff cutbacks
- Pressure to perform to meet rising expectations but with no increase in job satisfaction
- Pressure to work at optimum levels—all the time!
- Lack of control over how you do your work
Stress at work warning signs
When you feel overwhelmed at work, you lose confidence and may become angry, irritable, or withdrawn. Other signs and symptoms of excessive stress at work include:
- Feeling anxious, irritable, or depressed
- Apathy, loss of interest in work
- Problems sleeping
- Fatigue
- Trouble concentrating
- Muscle tension or headaches
- Stomach problems
- Social withdrawal
- Loss of sex drive
- Using alcohol or drugs to cope
Tip 1: Beat workplace stress by reaching out
Sometimes the best stress-reducer is simply sharing your stress with someone close to you. The act of talking it out and getting support and sympathy—especially face-to-face—can be a highly effective way of blowing off steam and regaining your sense of calm. The other person doesn’t have to “fix” your problems; they just need to be a good listener.
Turn to co-workers for support. Having a solid support system at work can help buffer you from the negative effects of job stress. Just remember to listen to them and offer support when they are in need as well. If you don't have a close friend at work, you can take steps to be more social with your coworkers. When you take a break, for example, instead of directing your attention to your smartphone, try engaging your colleagues.
Lean on your friends and family members. As well as increasing social contact at work, having a strong network of supportive friends and family members is extremely important to managing stress in all areas of your life. On the flip side, the lonelier and more isolated you are, the greater your vulnerability to stress.
Build new satisfying friendships. If you don't feel that you have anyone to turn to—at work or in your free time—it's never too late to build new friendships. Meet new people with common interests by taking a class or joining a club, or by volunteering your time. As well as being a great way to expand your social network, being helpful to others—especially those who are appreciative—delivers immense pleasure and can help to significantly reduce stress.
Tip 2: Support your health with exercise and nutrition
When you’re overly focused on work, it’s easy to neglect your physical health. But when you’re supporting your health with good nutrition and exercise, you’re stronger and more resilient to stress.
Taking care of yourself doesn’t require a total lifestyle overhaul. Even small things can lift your mood, increase your energy, and make you feel like you’re back in the driver’s seat.
Make time for regular exercise
Aerobic exercise—activity that raises your heart rate and makes you sweat—is a hugely effective way to lift your mood, increase energy, sharpen focus, and relax both the mind and body. Rhythmic movement—such as walking, running, dancing, drumming, etc.—is especially soothing for the nervous system. For maximum stress relief, try to get at least 30 minutes of activity on most days. If it’s easier to fit into your schedule, break up the activity into two or three shorter segments.
And when stress is mounting at work, try to take a quick break and move away from the stressful situation. Take a stroll outside the workplace if possible. Physical movement can help you regain your balance.
Make smart, stress-busting food choices
Your food choices can have a huge impact on how you feel during the work day. Eating small, frequent and healthy meals, for example, can help your body maintain an even level of blood sugar, keeping your energy and focus up, and avoiding mood swings. Low blood sugar, on the other hand, can make you feel anxious and irritable, while eating too much can make you lethargic.
Minimize sugar and refined carbs. When you’re stressed, you may crave sugary snacks, baked goods, or comfort foods such as pasta or French fries. But these "feel-good" foods quickly lead to a crash in mood and energy, making symptoms of stress worse not better.
Reduce your intake of foods that can adversely affect your mood, such as caffeine, trans fats, and foods with high levels of chemical preservatives or hormones.
Eat more Omega-3 fatty acids to give your mood a boost. The best sources are fatty fish (salmon, herring, mackerel, anchovies, sardines), seaweed, flaxseed, and walnuts.
Avoid nicotine. Smoking when you're feeling stressed may seem calming, but nicotine is a powerful stimulant, leading to higher, not lower, levels of anxiety.
Drink alcohol in moderation. Alcohol may seem like it’s temporarily reducing your worries, but too much can cause anxiety as it wears off and adversely affect your mood.
Tip 3: Don't skimp on sleep
You may feel like you just don’t have the time get a full night’s sleep. But skimping on sleep interferes with your daytime productivity, creativity, problem-solving skills, and ability to focus. The better rested you are, the better equipped you’ll be to tackle your job responsibilities and cope with workplace stress.
Improve the quality of your sleep by making healthy changes to your daytime and nightly routines. For example, go to bed and get up at the same time every day, even on weekends, be smart about what you eat and drink during the day, and make adjustments to your sleep environment. Aim for 8 hours a night—the amount of sleep most adults need to operate at their best.
Turn off screens one hour before bedtime. The light emitted from TV, tablets, smartphones, and computers suppresses your body's production of melatonin and can severely disrupt your sleep.
Avoid stimulating activity and stressful situations before bedtime such as catching up on work. Instead, focus on quiet, soothing activities, such as reading or listening to soft music, while keeping lights low.
Stress and shift work
Working night, early morning, or rotating shifts can impact your sleep quality, which in turn can affect productivity and performance and leave you more vulnerable to stress.
- Adjust your sleep-wake cycle by exposing yourself to bright light when you wake up at night, using bright lamps or daylight-simulation bulbs in your workplace, and then wearing dark glasses on your journey home to block out sunlight and encourage sleepiness.
- Limit the number of night or irregular shifts you work in a row to prevent sleep deprivation mounting up.
- Avoid frequently rotating shifts so you can maintain the same sleep schedule.
- Eliminate noise and light from your bedroom during the day. Use blackout curtains or a sleep mask, turn off the phone, and use earplugs or a soothing sound machine to block out daytime noise.
Tip 4: Prioritize and organize
When job and workplace stress threatens to overwhelm you, there are simple, practical steps you can take to regain control.
Time management tips for reducing job stress
Create a balanced schedule. All work and no play is a recipe for burnout. Try to find a balance between work and family life, social activities and solitary pursuits, daily responsibilities and downtime.
Leave earlier in the morning. Even 10-15 minutes can make the difference between frantically rushing and having time to ease into your day. If you're always running late, set your clocks and watches fast to give yourself extra time and decrease your stress levels.
Plan regular breaks. Make sure to take short breaks throughout the day to take a walk, chat to a friendly face, or practice a relaxation technique. Also try to get away from your desk or workstation for lunch. It will help you relax and recharge and be more, not less, productive.
Establish healthy boundaries. Many of us feel pressured to be available 24 hours a day or obliged to keep checking our smartphones for work-related messages and updates. But it’s important to maintain periods where you’re not working or thinking about work. That may mean not checking emails or taking work calls at home in the evening or at weekends.
Don't over-commit yourself. Avoid scheduling things back-to-back or trying to fit too much into one day. If you've got too much on your plate, distinguish between the "shoulds" and the "musts." Drop tasks that aren't truly necessary to the bottom of the list or eliminate them entirely.
Task management tips for reducing job stress
Prioritize tasks. Tackle high-priority tasks first. If you have something particularly unpleasant to do, get it over with early. The rest of your day will be more pleasant as a result.
Break projects into small steps. If a large project seems overwhelming, focus on one manageable step at a time, rather than taking on everything at once.
Delegate responsibility. You don’t have to do it all yourself. Let go of the desire to control every little step. You’ll be letting go of unnecessary stress in the process.
Be willing to compromise. Sometimes, if you can both bend a little at work, you’ll be able to find a happy middle ground that reduces the stress levels for everyone.
Tip 5: Break bad habits that contribute to workplace stress
Many of us make job stress worse with negative thoughts and behavior. If you can turn around these self-defeating habits, you’ll find employer-imposed stress easier to handle.
Resist perfectionism. When you set unrealistic goals for yourself, you’re setting yourself up to fall short. Aim to do your best, no one can ask for more than that.
Flip your negative thinking. If you focus on the downside of every situation and interaction, you'll find yourself drained of energy and motivation. Try to think positively about your work, avoid negative-thinking co-workers, and pat yourself on the back about small accomplishments, even if no one else does.
Don’t try to control the uncontrollable. Many things at work are beyond our control—particularly the behavior of other people. Rather than stressing out over them, focus on the things you can control such as the way you choose to react to problems.
Look for humor in the situation. When used appropriately, humor is a great way to relieve stress in the workplace. When you or those around you start taking things too seriously, find a way to lighten the mood by sharing a joke or funny story.
Clean up your act. If your desk or workspace is a mess, file and throw away the clutter; just knowing where everything is can save time and cut stress.
Be proactive about your job and your workplace duties
When we feel uncertain, helpless, or out of control, our stress levels are the highest. Here are some things you can do to regain a sense of control over your job and career.
Talk to your employer about workplace stressors. Healthy and happy employees are more productive, so your employer has an incentive to tackle workplace stress whenever possible. Rather than rattle off a list of complaints, let your employer know about specific conditions that are impacting your work performance.
Clarify your job description. Ask your supervisor for an updated description of your job duties and responsibilities. You may then be able to point out that some of the things you are expected to do are not part of your job description and gain a little leverage by showing that you've been putting in work over and above the parameters of your job.
Request a transfer. If your workplace is large enough, you might be able to escape a toxic environment by transferring to another department.
Ask for new duties. If you've been doing the exact same work for a long time, ask to try something new: a different grade level, a different sales territory, a different machine.
Take time off. If burnout seems inevitable, take a complete break from work. Go on vacation, use up your sick days, ask for a temporary leave-of-absence—anything to remove yourself from the situation. Use the time away to recharge your batteries and take perspective.
Look for satisfaction and meaning in your work
Feeling bored or unsatisfied with what you do for large parts of the day can cause high levels of stress and take a serious toll on your physical and mental health. But for many of us, having a dream job that we find meaningful and rewarding is just that: a dream. Even if you’re not in a position to change careers to something that you love and are passionate about—and most of us aren’t—you can still find purpose and joy in a job that you don’t love.
Even in some mundane jobs, you can often focus on how what you do helps others, for example, or provides a much-needed product or service. Focus on aspects of the job that you do enjoy—even if it’s just chatting with your coworkers at lunch. Changing your attitude towards your job can also help you regain a sense of purpose and control.
How managers or employers can reduce stress at work
Having your employees suffering from work-related stress can result in lower productivity, lost workdays, and a higher turnover of staff. As a manager, supervisor, or employer, though, there are things you can do to lower workplace stress. The first step is to act as a positive role model. If you can remain calm in stressful situations, it’s much easier for your employees to follow suit.
Consult your employees.Talk to them about the specific factors that make their jobs stressful. Some things, such as failing equipment, understaffing, or a lack of supervisor feedback may be relatively straightforward to address. Sharing information with employees can also reduce uncertainty about their jobs and futures.
Communicate with your employees one-on-one. Listening attentively face-to-face will make an employee feel heard and understood—and help to lower their stress and yours—even if you’re unable to change the situation.
Deal with workplace conflicts in a positive way. Respect the dignity of each employee; establish a zero-tolerance policy for harassment.
Give workers opportunities to participate in decisions that affect their jobs. Get employee input on work rules, for example. If they're involved in the process, they'll be more committed.
Avoid unrealistic deadlines. Make sure the workload is suitable to your employees' abilities and resources.
Clarify your expectations. Clearly define employees' roles, responsibilities, and goals. Make management actions fair and consistent with organizational values.
Offer rewards and incentives. Praise good work performance verbally and organization-wide. Schedule potentially stressful periods followed by periods of fewer tight deadlines. Provide opportunities for social interaction among employees.
SOURCE: Segal, J., Ph.D.; Smith, M., M.A.; Robinson, L.; Segal, R., M.A. (September 2018) "Stress in the Workplace" (Web Blog Post). Retrieved from https://www.helpguide.org/articles/stress/stress-in-the-workplace.htm
Creating Better Employee Benefits With Advanced Analytics
It is important to provide a workplace, employee benefits and payment system that keep your employees happy. Read this blog post to learn how you can create better employee benefits with advanced analytics.
Job satisfaction is the most important part of maintaining a happy workforce. If you have a workforce that feels like they could get a better deal elsewhere then they are likely to leave.
It is therefore important to provide a working environment, benefits and payment system, that keeps your employees happy without breaking the bank.
Analytics are being used to make sure that this is being done effectively, seeing where discontent is occurring and helping to suggest how this can be solved.
For instance, there are research companies that can use text analysis tools to analyze hundreds, if not thousands of survey entries that can give a holistic view of employee benefits. Often when survey results are being analyzed by an individual, it is difficult to gauge the overall feeling and there can be bias put on the results.
It also allows for HR to note the frequency of meetings with individuals as well as the frequency and size of any pay rises. If it is flagged that somebody hasn’t had a meeting with HR where they can directly communicate any concerns for a considerable amount of time, then tho scan be rectified.
Analytics can also be used to investigate which teams are happiest, have the highest retention rates or are the most profitable. This then allows companies to investigate in detail what is making these teams happiest or most productive, then create benefit packages to create similar results for other teams in the company.
Analytics and data have allowed companies to collect data to make their workforces happier and more content. This, in turn, creates situations where employees are eager to work and appreciative of the benefits they receive, improving ROI and increasing productivity.
5 critical elements to consider when choosing an HSA administrator
The Employee Benefit Research Institute recently reported that 83 percent of today’s workforce said health insurance was very or extremely important in deciding whether they would change jobs or not. Read on to learn more.
If anyone needed any reminding, health insurance is still an urgent matter to today’s employees. According to Employee Benefit Research Institute’s 2017 Health and Workplace Benefits Survey, 83% of the workforce said that health insurance was very or extremely important in deciding whether to stay in or change jobs. Yet research has uncovered that employees tend to delay or disengage from retirement and healthcare decisions, which they view as difficult and complex.
Fortunately, with consumer-driven healthcare plans and health savings accounts on the rise, benefits managers have a real opportunity to turn this frustrating situation into a positive one for their workforce. A critical step in doing so is choosing the right health savings administrator.
Employers should consider the following five elements when choosing a health savings administrator, or for evaluating the one with which you’re currently working.
1. Minimize risk by ensuring business alignment. Look for a health savings administrator that aligns with your company’s mission and business goals. Lack of business alignment can create real risks to your organization and employees and can damage your company brand and employee experience. For example, if your account administrator nickels-and-dimes you and your employees with added fees, you’ll experience higher costs and reduced employee satisfaction.
2. Service, support are key to employee satisfaction. It’s a fact: Employees will have HSA-related questions — probably a lot of them. Their questions may range from pharmacy networks and claims to the details of IRS rules. That’s why account management and customer service support from your health savings administrator are vital. Having first-class customer service means that employees will be better educated on their savings accounts, which can result in HSA adoption and use to their fullest potential.
3. Education, communication drive adoption. Educating employees about health savings accounts using various methods is critical, especially in the first year of adoption. This ensures your employees understand the true benefits and how to maximize their account. As CDHPs require more “skin in the game,” consumers show a higher likelihood to investigate costs, look for care alternatives, use virtual care options, and negotiate payments with providers. These are all positive outcomes of HSA adoption, and an HSA administrator oftentimes can offer shopping, price and quality transparency tools to enable your employees to make these healthcare decisions.
4. Understand the HSA admin’s technology. Because most spending and savings account transactions are conducted electronically, it’s critical that your administrator’s technology platform be configured to deliver a positive user experience that aligns with your expectations. It should allow for flexibility to add or adjust offerings and enable personalization and differentiation appropriate for your brand.
Be aware that some vendors have separate technology platforms, each running separate products (i.e., HSAs versus FSAs) and only integrate through simple programming interfaces. Because the accounts are not truly integrated, consumers may need to play a bigger role in choosing which accounts their dollars come from and how they’re paid, leading to consumer frustration and an increase in customer service call volume. With a fully integrated platform, claims flow seamlessly between accounts over multiple plan years, products and payment rules.
5. Evaluate your financial investment. Transparent pricing and fees from your health savings administrator is important. Administrators can provide value in a variety of ways including tiered product offerings, no traditional banking fees or hidden costs, and dedicated customer service. It’s important to know what these costs are up front.
Evaluate your financial investment by knowing whether or not your health savings administrator charges for program upgrades, multiple debit cards, unique data integration requirements, ad-hoc reports and more. These fees can add up and result in a final investment for which your company didn’t plan. And, it’s best to know in advance if your account holders will be charged any additional fees. Not communicating these potential fees at adoption can lead to dissatisfaction, which can then hurt your employee satisfaction ratings and complete adoption of the savings account products.
Choosing a health savings administer is a critical decision that affects not only employee satisfaction but the entire company. With eight in 10 employees ranking their benefits satisfaction as extremely or very important in terms of job satisfaction, according to EBRI, taking the time to fully vet your health savings administrator will pay dividends.
SOURCE: Santino, S. (5 November 2018) "5 critical elements to consider when choosing an HSA administrator" (Web Blog Post). Retrieved from https://www.employeebenefitadviser.com/opinion/what-to-consider-when-choosing-an-hsa-administrator
DISCOVER THE WELLNESS TRENDS FOR 2019
Did you know: A clear space equals a clear mind. Minimalism is one of the new wellness trends for the New Year. Read this blog post for more 2019 wellness trends.
It’s that time of year again when we cast our minds forward and bring you our predictions for the wellness trends that are set to relax, improve and make us feel better about ourselves in 2019. And let’s be honest it feels as if there’s a new trend every week at the moment, so we’ve sifted through the trend trough to tell you ALL about the ones you absolutely need to know about!
Reconnecting With Nature
As a predecessor to the digital detox trend of last year (although heaven knows we still haven’t mastered that one yet!) 2019 is all about shifting our backsides off of the sofa and actually *gasp* leaving our homes to reconnect with nature. The focus is very much on disconnecting i.e. leaving your phones and even your fitness trackers (sorry you’ll have to manage without the steps for this one) in order to reconnect. You see exercising outside is all well and good, but it starts to become detrimental when we begin putting too much pressure on ourselves to hit the next PB or when we become obsessed with comparing ourselves against our friends on the Fitbit leaderboard.
Hey, I’m all for healthy competition and that heady endorphin rush when you smash out an all-time best, but to truly enjoy the benefits of what nature can do for our health we need to unplug and pay attention to what is out there – without the distractions!
From moonlit yoga on the beach to forest bathing in the sensual shadiness of the beautiful English woodland, learning to embrace your inner mother nature is all about fine-tuning the senses. It’s essentially another branch of mindfulness that allows us to break free from the stressful trappings of the modern world and find inner peace and gratitude for the world around us.
Soothing Sounds
You must have that one song that makes you feel amazing? That song that no matter how down in the dumps you are, when you hear those first notes you’re up dancing and feeling as if nothing can stop you. Music’s funny like that isn’t it? It evokes all kinds of emotions in us – from positive uplifting vibes, sorrow and sadness, motivation and drive, right through to silliness and freedom of expression – music has a power over us like no other.
And the sound, of any description, is no different. Think about when you visit a spa, often there will be sounds of the rainforest, birds chattering in trees or that peaceful drift you off to sleep music, floating over the space, creating a calm and serene ambiance and helping you to relax and switch off.
Sound therapy works through the healing power of sound vibration and frequencies. All of us have our own natural frequencies and when we are exposed to the external frequencies of singing bowls, gongs, tuning forks, drums etc. and allow them to wash over us and resonate with us, natural healing of both the body and mind can begin to occur. For example, Tibetan singing bowls can help people to experience a deep sense of relaxation, which can relieve pain, help lower blood pressure, reduce stress, improve circulation and blood flow, balance the Chakras, create focus and emotional clarity and leave people feeling at peace and happy with themselves.
Everyone has the ability to connect with the healing power of sound and most important of all it gives us that chance to focus on just one of our senses, which in a world where our senses are continually blasted with information overload, this is one of life’s most simple of luxuries. Sound classes are becoming increasingly popular for this very reason and many also incorporate the practices of yoga and meditation within them to further aid the wellness experience.
Color Therapy
Do you have a favorite color? There’s a good reason why you are drawn to one color over another and it’s all to do with energy and the way it makes you feel.
Color is energy that is transmitted on different wavelengths and frequencies to create different colored light. There are seven shades of visible light, the rainbow colors, then there is white which contains all of the 7 shades, black which absorbs light and therefore appears void of color, and then there are literally millions of invisible colors that our eyes cannot see. Color therapy, or Chromotherapy to give it its official name, is all about using color to enhance our health and wellness in certain ways. Each color has its own vibrational frequency that relates to different physical symptoms and emotions.
BLUE – This is a calming color that is used to ease symptoms of pain, anxiety, depression and can even aid sleep. Yes I know we’re told the blue light emitted from our screens is bad for us, but that’s a synthetic digital light, so I’m afraid scrolling through Instagram in bed won’t have the same effect! Research has also shown that blue light can help lessen inflammation, lower fevers, reduce high blood pressure and relieve migraines, due to it’s cooling almost anesthetic style energy.
RED – The fiery, powerful color that denotes passion and confidence. It’s bold and powerful and will give you balls when you need it most. And as such, it is thought that being exposed to red light will increase your pulse, raise your blood pressure and increase your breathing rate. Doesn’t necessarily sound too good, right? But red is the color to energize, to motivate and to put yourself out there and show people you mean business. Infrared therapy is also used to activate collagen cells, stimulate the skin to help reduce the appearance of fine lines and wrinkles and can speed up the healing process.
YELLOW – This bright cheerful color does as you would expect; it uplifts, invokes optimism and a real sense of self love in a person.
GREEN – The color of nature, green is associated with harmony and it provides a neutral, positive and calming effect.
ORANGE – This color can raise energy levels and help improve mood, I mean who can’t but raise a smile when you see something bright orange!?!
PURPLE – The mean and moody one, the color of royalty, richness and luxury. Purple is the color for tranquility and works well in a detox sense, stripping the body and mind of impurities and can help patients deal with that sense of mind over matter when dealing with chronic pain.
And then there’s Colorstrology – a bit like astrology, but this is the idea that each birth month has its own color, which is a reflection of your personality. To find out yours go to the Pantone website and pop in your birth date.
2019 sure is set to be a colorful one that’s for sure!
Sleep Hygiene
We all need sleep to survive, it’s a chance for our body and mind to rest, recharge, repair and grow. However, there aren’t many of us that are a) getting enough sleep and b) getting good quality sleep. 2018 saw the rise in good sleeping practices, with power naps and sleep yoga hitting the wellness scene. But 2019 is set to move on from this by teaching us the ways in which we can employ these good habits at home. And it’s much more about quality rather than quantity. Because yes we should be aiming for around about 7 hours of shut-eye a night, but surely 4 hours of quality sleep is way more beneficial than 8 hours of disrupted sleep?
Sleep hygiene is about being ‘clean’ with your sleep, which means setting good practices and routines such as the following:
- Avoiding caffeine late at night.
- Switching off screens and other devices at least an hour before going to bed – and ideally, you don’t even want them in your bedroom.
- Get the temperature just right- not too hot and not too cold.
- Ensure the room is dark – blackout blinds are your new best friend.
- Keep noise to a minimum, or if that’s impossible due to noisy neighbors or yapping dogs then try listening to white noise which will drown out the other sounds and has a calming, sleep-inducing effect.
- Comfort is key to ensure you have a good mattress, a duvet tog that you’re happy with and good supportive pillows.
You may well think that you can catch up on any missed sleep during the week at the weekend, but irregular sleep is far more damaging. Instead aim to finish work by a set time and give yourself a deadline to be in bed, even if you’re up there and reading for half an hour beforehand, that will help you relax and unwind from the day.
And if you’re someone who struggles to switch off and get to sleep try having a warm bath, drinking a hot milky drink, meditating, or practicing some deep breathing exercises before settling down for the night. These are all things that help induce sleepiness and should see you dozing off in no time.
Ultimately if you eat well, exercise regularly and keep those stress levels down then your sleep hygiene should be pretty damn clean. If you don’t… then perhaps that’s something you could work on in 2019!
Less Is More
Minimalism, the KonMari method, decluttering… call it what you like, but essentially all you need to know is that a clear space equals a clear mind.
Go on, try it.
Choose just one cupboard in one room of your house, drag everything out and then set to work sorting out what you do and don’t need. It’ll be tough, especially when you start finding long lost treasures or useful kitchen gadgets you’d forgotten about, or that top you wore back in 1992 that made you look like a bohemian princess, but you need to set yourself limits. Marie Kondo, the queen of clutter-free living, theorizes that we should only hang onto possessions that ‘spark joy’, those that don’t only serve to hold us back and bring negativity into our lives. And it’s certainly a good place to start. Can you honestly say that vegetable peeler shaped like a pencil sharpener brings you joy? Or does it annoy you because every time you go to open the drawer it catches and makes the drawer jam? And that book you’ve clung onto from your days at uni, the one riddled with post-it notes and pencil scrawled study notes… does it bring you joy? You can’t ever read it properly again, it’s probably out of date and so therefore no longer suitable as a study guide for anyone else and all it’s really doing is taking up space and gathering dust on your bookshelf.
The thought of getting rid of your belongings is a scary one. Objects become security blankets, but they are restrictive and oppressive and are preventing you from living your best life. Existing in a tidy and clear space, whether it’s within the work or home environment, can help reduce stress levels, conserve mental energy, give us clarity, make us more productive and most importantly of all can make us feel in control. And when you’re in control you can achieve anything!
Clean Air
As much as we’re all for clean air outside, is it actually doing us any good if our home or work environment is riddled with all kinds of chemicals – yes I’m deffo thinking of those plug-in air fresheners!!
Whether you fill your rooms with plants (they’re amazing at purifying the air and look pretty spesh too!), pay more attention to the ingredients used in your cleaning sprays etc. or even download an app that can tell you how pure the air is – yes really! – 2019 is 100% about living clean. We’ve done the clean eating thing, started to adopt the clean sleeping thing, so it was only a question of time before clean breathing became a thing.
Sales of air purifying plants have more or less tripled over the past year as people strive for that natural air in their homes. If you listened to your Biology teacher at school, you’ll know that plants are capable of turning carbon dioxide into vital oxygen, but they are also great at absorbing unwanted nasties such as formaldehyde, benzene, ammonia, acetone etc. which are found in so many of the items we have in our homes and workspaces.
Crystal Clear Water
Crystals were everywhere in 2018, helping us with their energizing vibes and well they just look so pretty don’t they!?! And don’t worry, they’re not going anywhere, they’re just infiltrating other areas of our lives, namely… our water bottles. Yep, that’s right, you’ve seen the fruit, veg and herb infuser water bottles, now it’s time for the crystal infused ones!
Not only does it take a good Instagram picture (these are beautiful things peeps!) but the crystal gets to work its magic by pouring out all of its positive energy into the water you’ll be sipping on. Crystal gurus have been doing this for donkey’s years, but for us newbies, crystal-infused water is big news. It’s basically creating an essence and so it is up to you which crystal to insert in your water bottle for any given day.
One thing you must, must, MUST make sure of is that any crystal you use is safe to be put in water. Certain stones may dissolve, whilst others may contain lead or corrosive chemicals. A quick Google search is all that should be needed to confirm whether a crystal is safe in water or not and it’s worth keeping a list of the ones you can and cannot use and storing them in different places so you don’t get confused.
It certainly takes drinking crystal clear water to a whole different level, doesn’t it!?!
SOURCE: Stafferton, B. (11 July 2018) "DISCOVER THE WELLNESS TRENDS FOR 2019" (Web Blog Post). Retrieved from https://artofhealthyliving.com/discover-wellness-trends-2019/
Give employees time back in an always-on working world
Occasionally, work extends beyond the traditional workday, no matter how efficient your employees are. With time being the most precious benefit of all, a growing number of employers are offering benefits designed to save employees time. Read on to learn more.
When it comes to employee benefits, what do people really want?
As HR and benefits professionals, we shouldn’t make broad assumptions or generalizations about what benefits our employees need or want. Each employee in any given organization is an individual with different circumstances to be met at every stage in their lives — from those entering the workforce to those preparing to retire, and everyone in between. This is why employers must differentiate their benefits packages to meet the needs of a diverse and multigenerational workforce. And as consumers demand more choice in how they spend their benefits dollars, employers are getting more creative and curating a more expansive set of options for everyone.
No matter how efficient an employee is, work inevitably extends beyond the traditional workday from time to time. Similarly, as the lines between home and work blur with flexible work arrangements and email available 24/7 on smartphones, employees still need to take care of personal tasks, like scheduling family dentist appointments, setting up child care, disputing medical bills or calling the veterinarian … all during the workday.
Regardless of generation, industry, position or title, people are yearning to find the right balance between work and life demand. Time is the most precious benefit of them all. As a result, there are a growing number of employers offering benefits designed to save employees time.
Previously offered predominantly by large, tech companies in Silicon Valley, we’re seeing time-saving benefits spread to employers and industries of all kinds and encompass a variety of conveniences, from on-site dry cleaning pickup, to employer-funded shuttles to get employees to and from work, gym memberships, grocery delivery and services like dog walking and personal errands. This benefits category can also include more significant, personalized benefits like concierge health services, assistance in evaluating elderly care options, telehealth for humans and pets, and emergency childcare services.
Once seen as just perks, these services run deeper. Employers care about their people, and these time-saving benefits — anything people leave work early for, or deal with during the work day — has created a new benefits category that increases employees’ productivity and capacity for work by eliminating distractions and freeing up mental space. While these types of benefits may seem like “nice to have” instead of essentials, they can add up and make a substantial difference in employees’ lives.
Life is complicated. Things go wrong that impact productivity, contribute to presenteeism and the well-being of our workforce; these employee benefits offered through employers are returning valuable time back into someone’s day, helping them focus on work and better balance work and life expectations.
Employees need HR’s help. By not offering a wide variety of benefits personalized to the workforce, employers are missing out on an opportunity to provide great value to employees and make a tremendously positive change in their lives. But many HR professionals falsely assume employees will ask for voluntary benefits directly and proactively make suggestions about what would help them. You may say, “My employees aren’t coming to me asking for things like elder care services, so they don’t need them.” My response is, of course, they’re not asking: they may not want you to know about challenges they’re facing in their personal lives.
Employee’s personal situations are just that - deeply personal. They may be suffering in silence. Americans are now facing the highest housing, education and medical costs in our history, meaning nearly everyone is stressed out about family, work and finances; it’s causing problems in the workplace. If their minds are somewhere else and not focused on work, their productivity could be suffering.
Open Enrollment is rapidly approaching. Don’t wait for your employees to ask you for benefits. Take advantage of OE to ask your employees what they’re looking for, as this is the time they’ll already be assessing what types of benefits they need in the coming year anyway. Use this time to survey the workforce to see what people do or don’t like about their benefits. Be sure to specifically ask “What can we offer you?”
It’s a question, and a gesture, that may matter more to employees than you know.
SOURCE: Oldham, J. (14 September 2018) "Give employees time back in an always-on working world" (Web Blog Post). Retrieved from https://www.benefitnews.com/opinion/give-employees-time-back-in-an-always-on-working-world?feed=00000152-18a4-d58e-ad5a-99fc032b0000
How to create a strong communication plan for open enrollment
What is your communication plan for open enrollment? Now that you have your plan changes locked in, it's time to focus on communicating those changes to your employees. Read this blog post to learn more.
Ready or not… the Benefits Super Bowl is here! Whether you are a broker, benefits manager or anywhere in between, you have been knee-deep on plan updates, rate reviews and benefit changes for months. Now that the plan changes are locked, it’s go-time! The focus is now on communicating and educating employees about their benefit options.
It takes an enormous amount of planning and execution to provide a productive open enrollment experience for employees. But, it is well worth it as this is often the only time during the year that employees stop to consider their benefit options.
Learn from past wins and misses
Consider previous years’ open enrollment communications and ask yourself the following:
- What is the feedback you received from employees (the good, the bad and the ugly)?
- What were the most common questions?
- Were there key pieces of information employees had difficulty finding?
Learn from the answers to these questions and then craft your content in a clear and concise manner that is easier for employees to digest.
The communication medium is key to your success
Now that you’ve developed the content to communicate, the next equally important step is determining how, when and where you deliver this information. Is there a centralized location where employees can find information for both core and voluntary benefits? Is the information in a format that the employee can easily share with his or her significant other?
It is critical to have multi-channel communications to reach your audience. Some employees may naturally gravitate to a company-wide email and the company intranet, while others lean on more interactive mediums like E-books, text messages, webinars or lunch and learns. Providing a variety of communication avenues ensures you are reaching employees where they want to receive information.
Make sure your communications campaign provides educational materials at each of the key milestones during the open enrollment journey–such as prior to enrollment, midway through enrollment, and right before enrollment closes. Wherever possible, always support employees through the process and give them options to reach out for help.
How to communicate the same benefits to a diverse workforce
You are likely communicating to a group of employees with diverse needs and wants. What may be appealing to an entry-level recent grad may not resonate with a senior-level employee nearing retirement. For example, employees with young children may be especially interested in accident insurance or pet owners might look to pet insurance to help offset the costs of well-visits and routine care. If possible, tailor your communications to different segments of the employee population.
Communicating voluntary health-related benefits
Core medical benefits are what employees gravitate to during the enrollment period. Are you offering voluntary benefits to employees? The most successful voluntary benefit programs are positioned next to core medical plans on the enrollment platform. This shows employees how those voluntary benefits (critical illness, accident insurance and hospital indemnity) complement the core offerings with extended protection.
When voluntary benefit programs are positioned as an integral part of the employee benefits experience, employees are more likely to understand the value and appreciate the support provided by their employer. For example, a critical illness program can help to bridge the gap of a high-deductible health plan in the case of a covered critical condition. Communicate that voluntary benefits can be an integral part of a “Total Rewards Package” and can contribute to overall financial wellness.
Review and refine
Finally, don’t miss your opportunity at the end of enrollment to review how your communication campaign performed. Pull stats and analyze your communication campaign for next year’s open enrollment… it is never too early to start! HR managers can glean valuable information and metrics from the employee experience.
SOURCE: Marcia, P. (1 November 2018) "How to create a strong communication plan for open enrollment" (Web Blog Post). Retrieved from https://www.benefitspro.com/2018/11/01/how-to-create-a-strong-communication-plan-for-open/
Civic time off: The benefit getting employees to the polls
Does your organization offer civic time off as an employee benefit? Some companies are looking to change low voter engagement by offering new benefits to employees who vote. Read on to learn more.
Voter engagement for midterm engagement historically has been poor. Some companies are offering new benefits to change that — even offering the day off to encourage employees to vote.
American employers that provide paid time off stands at about 44%, a record high, according to the latest research from the Society for Human Resource Management survey. The human resource organization estimates 29% of these companies offer employers more than an hour or two of voting time.
Despite such accommodations, about 60% of Americans didn’t vote in the last midterm election, according to research by Vote.org, a voters’ advocacy organization. The biggest obstacle to voting was scheduling conflicts; 35% of people said they couldn’t vote because of work and school.
“There’s no federal protection for voting leave for employees, which means it’s up to the states to set their own policies. Policies are inconsistent, but some states have no laws at all,” says Colette Kessler, director of partnerships at Vote.org. “This puts employers in a powerful position to enable employees to get to vote.”
But as more Americans prepare to head to the polls for key elections in 46 states, employers including Patagonia, Zenefits and Honest Tea, are opting to give employees paid time off to make their voice heard.
Outdoor retailer Patagonia, for instance, is closing its stores as well as its headquarters and distribution and customer-service center to give employees paid time off to vote. “No American should have to choose between a paycheck and fulfilling his or her duty as a citizen,” Patagonia CEO Rose Marcario wrote in a company blog post.
Meanwhile, human resource software company Zenefits implemented a new program in which employees can take time off to vote the same way they would for a doctor’s appointment. Voting won’t cut into their sick days, vacation time or paid time off. Instead, voting gets its own designation — civic time off, or CTO. That free time can be used for voting, volunteering for a candidate, attending a school board meeting or canvassing.
“Civic time off is a new concept for the industry, and we’re excited to be among the first to offer such a benefit,” says Beth Steinberg, chief people officer at Zenefits, in a letter on the company blog. “At Zenefits, it’s been a priority to help build our team’s skill set not only as it pertains to professional career growth, but also to encourage their development outside of the workplace as engaged and empowered citizens.”
Vote.org consults with companies interested in implementing a CTO program. Based on individual business models and company culture, the organization will suggest either full days off, half days or flexible scheduling.
“One benefit we’re really excited about is offering employees a half day. It gives employees the ability to get to their polling places and do their morning routine — like getting the kids to school and running errands,” Kessler says. “And later they can convene with colleagues and celebrate Election Day. We’re seeing HR teams create afternoon lunch parties to celebrate.”
Kessler says some companies are hesitant to provide time off for voting because they’re worried about losing productivity. However, most of the companies she’s worked with have been enthusiastic about providing their workforce with time off to vote.
“We don’t see any drawbacks to offering our employees flexibility on Election Day,” says Seth Goldman, co-founder and CEO emeritus of beverage company Honest Tea, which allows its 50 employees to take a few hours of paid time off go to the polls on Election Day, at their convenience. “It’s a right we all should be proud to recognize and support however we can.”
SOURCE: Webster, K. (5 November 2018) "Civic time off: The benefit getting employees to the polls" (Web Blog Post). Retrieved from: https://www.employeebenefitadviser.com/news/civic-time-off-the-benefit-getting-employees-to-the-polls?feed=00000152-a2fb-d118-ab57-b3ff6e310000