Claims Assistance
Personal Health Information (PHI) Disclosure Forms
Claims Assistance- Authorization to Disclose PHI to Your Employer
Authorize your employer to assist you with a claim. HIPAA requires a signed authorization to disclose Protected Health Information.
Claims Assistance- Authorization to Disclose PHI to California Corporate Benefits
Authorize California Corporate Benefits to assist you with a claim. HIPAA requires a signed authorization to disclose Protected Health Information.
Disability
Posted by ccbfamily in Disability, default on July 22nd, 2009
Disability White Paper
Executive Summary of Disability
Research piece on the reality of disabilities. Provides information on the different kinds of disabilities, how common yet unexpected they are, the high financial risk for the uninsured, including personal case study examples.
Statistical Information
Protect Your Income- The Possibility of Disability
The “Protect Your Income” website provides statistics reflecting public misperception of disability, as well as a comparison with the actual figures, including differences in occurrence among men and women. The website gives reference to a gallup survey reported by Best’s Review, as well as the “Why Disability” booklet, published by National Underwriter.
The Council for Disability Awareness website provides current statistics on the frequency of disability occurrence, effects on employment and finances, as well as figures on disability insurance.
The Center for Disease Control website provides current statistics on the frequency of Arthritis occurrence among the American population.
The Council for Disability Awareness website provides information on the most common causes of disability among the American workforce.
Financial Facts
Rheumatoid Arthritis Costs and Course
Oxford Journals article that provides information on the cost, course, and functionality of patients with rheumatoid arthritis over a course of 3 years.
Links
Government Disability Benefits Information
Domestic Partners
Explanation of Benefits
Explanation of AB 2208 and how it impacts group insurance, benefits taxation, COBRA, HIPAA Portability and Cafeteria Plans.
SF Overview of Equal Benefits Ordinance
Provides an overview of San Francisco’s Equal Benefits Ordinance, including an explanation of the law, related litigation, implementation, and costs of compliance.
Explanation of the new equal insurance coverage mandates for domestic partners with AB 2208.
Explanation of the California Insurance Equality Act, its purpose, definition of domestic partner, and relation to AB 205.
Answers to specific questions/concerns for domestic partners related to the California Insurance Equality Act (AB 2208).
Chaptered Assembly Bills
AB 205 Assembly Bill – CHAPTERED
A chaptered version of assembly bill 205.
Domestic Partners- AB 25 Bill 20011014 Chaptered – Domestic Partners
A chaptered version of assembly bill 25.
A chaptered version of assembly bill 2208.
New Developments (state laws, benefits, and taxes)
Article by author Heather Bader-Abrigo (associate with law firm Reish and Reicher) providing considerations for employers who wish to cover the domestic partners of their employees. In order to avoid a federal income tax for the fair market value of coverage, an employee’s domestic partner must satisfy the definition of “dependent”.
Employee Benefits for Same-Sex Spouses
Article by author Todd Solomon (partner in the law firm of McDermott Will and Emery LLP) that takes a look at new developments in select state’s laws on same-sex marriages, the impact they will have on employee benefit plans, and the tax implications of these benefits for same-sex spouses and domestic partners.
Links
Health Reform Information
Posted by jeremiah in Controling The Cost of Heathcare, default on August 14th, 2009
The Very Latest
NAHU’s Vision for Responsible Health Reform
The National Association of Health Underwriters (NAHU) present there proposal for comprehensive health care reform that’s affordable and accessible by building off the strengths of our current system.
House and Senate Bill Comparisons
How health reform measures affect you in dollars and cents.
The full version of the House Health Reform Bill.
The full version of the Senate Health Reform Bill.
Town Hall Meetings
Health Care Reform: Fact or Fiction ?
Fact checking document uncovering the truth behind the misleading statements and factual half-truths being spread by proponents of the current health care reform bill (H.R. 3200).
U.S. vs. Global Health Care Quality White Paper
Executive Summary of Health Care Quality
Research piece on the quality of the U.S. health care in comparison with other systems around the world.
U.S. vs. Global Health Care Quality
Health Care Systems Around the World
CATO Institute research piece with a comparison of the US health care system with others around the world.
National Center for Policy Analysis (NCPA) research article providing some less-known facts about our health care system that places the US higher in quality when compared to other nations.Canadian Health Care We So Envy Lies in Ruins, Its Architect Admits
The rise and ruin of the Canadian health care system. Makes reference to the changing stances of its founder who today believes the system is failing.
Lines for Swedish Care Grow Longer
Investor’s Business Daily article on growing problems with accessibility and service within the Swedish health care system.
Americas Other Health Care Gap, Public Perception vs. Reality
Knowledge @ Wharton Network (ASU Regents @ W.P. Carey) article providing a balanced perspective on the benefit and need for improvement in our health care system. The author points out the lack of balance in the media’s portrayal of the current state of our health care system.
Not Much Bang For Our Health Care Buck
Misperceptions related to the U.S. health care system and its world ranking in the areas of infant mortality and life expectancy.
ABC News/USA TODAY/Kaiser Family Foundation Health Care Poll
Survey found that 89% of covered Americans were satisfied with the quality of their own health care.
U.S. Chamber Study Finds Medical Benefits Consume Largest Share of Employer Costs
U.S. Chamber of Commerce press release on American employers’ contribution to employee health. The report finds that U.S. employers spend 12.1% of payroll on an employee’s medical benefits.
Medical Debt
Medical Bills Driving Most Middle-Class Bankruptcies
Report on the increase in bankruptcies (Nearly two-thirds) influenced by medical problems and expenses. Provides research-based statistical information on medical expense-driven bankruptcy, including for those covered by private health insurance.
Administrative Costs
Administrative Expenses of Health Plans
An independent analysis of the administrative costs of private vs. government health plans. Provides current and accurate information on administrative cost differences once thought to be more favorable and efficient with programs like Medicare. Administrative costs for private insurance which were reported at 30% of premiums (1988) actually represent 9.18% (2007) of premiums.
The Uninsured and Rising Health Insurance Premiums
Congressional Budget Office (CBO) study finds 45% of the uninsured (47 million) get coverage in 4 months or less. A smaller percentage are more chronically uninsured.
The Uninsured
Uninsured Figures Overhype The Lack of Health Coverage
Cites the 2007 Census survey estimating that 46 million people in the U.S. are lacking health insurance. Several further studies are cited to expose how the Census figure is being misrepresented to the American public, one of which showing 43% of the uninsured are so by choice.
New Employment Policies Institute (EPI) study done by June O’Neill that shows the uninsured “crisis” as significantly overestimated. Found that 43% of the 46 million uninsured Americans could afford coverage but went without it.
Income, Poverty, and Health Insurance Coverage in the United States: 2007
Census Bureau report providing figures and demographics on health insurance coverage in the United States. Found that of the 46 million uninsured Americans, 9.7 million, or 21% were not U.S. citizens.
The Uninsured and the Affordability of Health Insurance Coverage
A 2006 study by scholars at Johns Hopkins University and the Urban Institute that finds the number of people without insurance because they have no option to be close to 45% of the uninsured.
Medicare
Steve Forbes, Forbes Magazine draws connections between the short-comings in our current system of Medicare and Medi-caid and what traits would likely carry over into a future socialized medical system.
History of Gov’t-Run Health Care is a Study in Skyrocketing Costs
Article recalls the original government cost projection for the Medicare system and compares it to the results. The government estimates were off by over 1000%.
Private Option
The Cost and Coverage Impacts of a Public Plan: Alternative Design Options
Well-respected health care consultants, the Lewin Group review the potential enrollment of the public-plan option. The study notes that Medicare premiums would be lower than private premiums because of the leverage Medicare has with providers. The potential result: “The private industry might just fizzle out altogether.”
Employers Support Wellness and Consumerism Efforts in Health Reform
The findings of a health care reform survey conducted by Aon Consulting. Found that a majority of employers oppose the changes and mandates associated with a government-run public plan. 93% favor a continuation of an employer-based health care system with a greater focus on wellness, health risk prevention, and other evidence-based approaches to health and cost management.
Obama Health Care Bill
The full-text online version of the proposed health care bill H.R. 3200. The site includes a table of contents for easier navigation of the over 1000 page document.
The Impact of the 2009 Access to Quality Affordable Health Care for All Act
HSI Network LLC independent assessment/cost estimate of the House bill. The report claims that the bill will cost $3.5 trillion.
Cost Shifting
Report found the average annual family health care spending to be $1,788 higher due to cost shifting from Medicare and Medicaid under-payment of actual provider reimbursement rates.
NAHU Position Statement on Federal Health Benefit Mandates
The National Association of Health Underwriters cite an estimate that there are over 1000 benefit mandates currently in existence, which studies have shown to add as much as 25% to the cost of insurance premiums.
The Cost Shift from the Uninsured
Provides an excellent table breaking down the increased cost in premiums on individuals and families due to the uninsured (2009) by state, as well as the average for the entire U.S. Also projects increased cost in premiums for the year 2013. Found that American families’ annual health care premiums cost $1,100 more due to cost shifting from the uninsured.
Health Reform in the Media
Stossel: Why Obama’s Health Plan Gets it Wrong
ABC 20/20 report on the Obama health care bill and its implications. Focuses on the benefits of “for profit” health care, describes the bill in congress as a bridge to a government-run health care system, and takes a look at problems with getting seen in Canada.
Get Some! How to Fix America’s Health Insurance Crisis
Nick Gillespie’s (Reason.tv) report on the uninsured. Focuses on those who can afford health insurance (45%), but choose not to get covered. Includes lifestyle interviews with uninsured youth.
Medicare
Medicare Guidebook (2009)
The official government handbook for 2009 Medicare costs, coverage, health and prescription drug plans, rights, fraud and identity theft.
Medicare Modernization Act (Effective January 1, 2006)
Medicare Prescription Drug Benefit Fact Sheet
Provides updated benefit information under the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA).
Provides the employer disclosure notice requirements for active employees, insured retirees, etc. covered for new benefits under the Medicare Modernization Act.
Provides information on the requirements to determine creditable status of prescription drug coverage under the new Medicare regulations.
What You Need to Know about Medicare Rx Coverage if You Have a Medigap Policy
Provides informational considerations for those with Medigap policy in regards to the new Medicare prescription drug plan.
Medicare Message for People who Care for Someone with Medicare
News release updating those who are on medicare and their caretakers with useful information regarding the new prescription drug plan (2006).
Personal Good Health
Breast Cancer
Breast Cancer White Paper
Executive Summary of Breast Cancer
Research piece on breast cancer awareness. Provides information on probability, survival rates, treatment, and medical expenses.
Statistical Information
American Cancer Institute- Probability of Breast Cancer
Fact sheet taken from the National Cancer Institute web site that provides current statistics on the probability of breast cancer in American women.
Prevention
Breast-Feeding May Lower Breast Cancer Risk
New York Times article on the link between breast feeding and a lower risk for breast cancer in women with breast cancer in the family.
Fiber Lowers Breast Cancer Risk
Article provides research based on a study that found reduced breast cancer risk for pre-menopausal women who eat 30 grams + of fiber daily.
4 Steps to Take Now to Lower Your Breast Cancer Risk
New research from the American Institute for Cancer Research on ways women can protect themselves from developing breast cancer.
Second Breast Cancer: Three Lifestyle Risks
A new study that shows an increased risk in developing a second breast cancer for women with certain lifestyle risks.
Treatment
Weight Lifting Can Ease Arm Swelling in Breast Cancer Survivors
U.S. News and World Report article on lymphedema (arm swelling associated w/breast cancer surgery). The article refers to a study that found a reduction in lymphedema related swelling for those who participated in weight lifting exercises.
Financial Facts
Thomson Reuters Study Finds Cancer Patients Forgo Treatments
Recent Thompson Reuters study reporting that the high cost of cancer treatment is forcing many patients to go without proper medical care.
Financial Facts About Treating Breast Cancer
Business and Health article that provides statistics on breast cancer risk groups, diagnosis, and survival rates, as well as information on the cost of detection and various treatments.
Medical Debt: Is Our Healthcare System Bankrupting Americans?
Speech given by the American Enterprise Institute for Public Policy Research. Includes research-based testimony that up to 29% of bankruptcies in this country are caused solely by medical debt.
Colorectal Cancer
Treatment and Prevention
Aspirin Seen Aiding Colorectal Cancer Patients
New York Times article on the link between taking aspirin and a reduced chance of developing tumors of the colon. Includes the link between aspirin and better colorectal cancer survival rates.
Heart Disease
Heart Disease White Paper
Executive Summary of Heart Disease
Research piece on the importance of heart disease prevention. Includes information on common risk factors, the financial burden of medical procedures on the heart, and the importance of a good health insurance plan.
Statistical Information
Heart Disease Facts and Statistics
The Centers for Disease Control and Prevention (CDC) website provides statistical data on heart disease, including its ranking as a cause of death and other information related to risk factors, costs, demographics, etc.
The Centers for Disease Control and Prevention (CDC) national health survey provides a variety of demographic information on heart disease, including the percentage of US adults who have been diagnosed.
Heart Disease Will Kill 400,000 Americans in 2010
Report on the trend of increasing obesity rates, and its relation to a recent increase in the rate of heart disease deaths, 50% of which are estimated to be preventable (by eating healthier food, and quitting smoking).
Risk Factors
Heart Disease Risk Factors on the Rise
American Heart Association (AHA) article that provides information on the increasing rate of risk factors for cardiovascular disease among the US population. Recent increases threaten to undercut gains made through research and prevention that have lowered the death rate for heart disease.
Cigarette Smoking and Cardiovascular Diseases
American Heart Association (AHA) article that provides data on the relationship between smoking tobacco as a risk factor for cardiovascular disease.
Quitting Smoking After Heart Attack Saves Lives
A comparison of survival likelihood between first-time heart attack sufferers who continue to smoke, and those who quit.
High Blood Pressure in the US a ‘Neglected Disease’
Panel finds huge gap between what we are doing about high blood pressure, the second-leading cause of death in the US, and what simple steps we could take to reduce its high rate.
Herbal Remedies Can Cause Cardiac Problems
Interaction between herbal remedies and other medications are discussed. Herbal medications have the potential for dangerous reactions in patients, and could either dampen or enhance the effect of other drugs, as with medication for abnormal heart rhythm.
Cholesterol Plays Role in Heart Failure Risk
Study finds that patients with abnormal levels of bad cholesterol show an increase in heart failure risk. High levels of good cholesterol, on the other hand, are responsible for a decrease in that risk.
Processed Meat May Harm the Heart
Study establishes a significant link between processed meat and an increased risk for heart disease.
Treatment
Heart Attack Symptoms and Warning Signs
The American Heart Association’s guide to recognize symptoms of a heart attack and get proper medical attention before it’s too late.
Chocolate Helps Heart Attack Survivors
Report on a Swedish study that found eating chocolate significantly reduces the risk of dying for heart attack survivors.
Coffee May Cut Risk of Heart Disease Problems
In contrast to the previous held belief that coffee is sometimes responsible for heart rhythm problems, a new study shows how moderate coffee drinking might actually reduce the risk of abnormal heart rhythms.
Long-Term Statin Use Best Way to Cut Cardiovascular Deaths
Increases in the number of patients who adhere to long-term treatment with cholesterol-lowering statins could have a significant impact on future prevention of heart attack deaths.
Try Medication to Lower Your Blood Pressure and Protect Your Heart
Study suggests meditation may bring cardiovascular and mental-health benefits. Discusses trends in alternative medicine, as well as future research.
Cardiac Rehab Patients Have Better Survival Odds
Cardiac rehabilitation, one of the most under utilized, yet successful heart disease treatments is discussed in reference to a recent study measuring the likelihood of survival with treatment, versus without. The personal story of Daisy McFadden illustrates the success patients have had with this type of treatment.
Heart Health for Women
Heart Disease is a Woman’s Disease Too
Examines the impact of heart disease on women, using risk factors, symptoms, and statistics as a guide to understanding and raising awareness of a woman’s heart health.
Heart Disease Risk Tied to Mom’s Number of Births
A large study of women found the risk for heart disease rises “60 percent higher in women with five or more births.”
Faster Heart Rate May Raise Risk of Heart Attack Death
Research links high heart rates in men and women with an increased risk of heart attack. For women, this risk can be reversed through exercise.
Women Are More Likely to Die After Heart Attack
Research indicates that due to differences in biology, heart-attack symptoms, and post-heart attack treatment regimen women are twice as likely as men to die within a month of a heart attack.
Linked Conditions
A Mysterious Link Between Sleeplessness and Heart Disease
New York Times article that reports on a study which links a lack of sleep to an increased risk of developing calcium deposits in the coronary arteries.
Broken Heart Can Really Break Your Heart
Article provides information on a study linking a broken heart (ex: divorce) with an increased risk of developing heart disease.
Can Thunder Thighs Help Heart Health?
A study released in the British Medical Journal that found small thighs associated with an increased risk in heart disease.
Study: Happiness Good for the Heart
Measures how attitude or ‘emotional state’ affects heart health.
Study: Erectile Dysfunction May Indicate Heart Disease, Death Risk
New study links male erectile dysfunction with a higher likelihood of suffering from severe cardiovascular problems. Implies diagnoses of ED in men may allow medical professionals to identify heart disease earlier on, and therefore, produce better medical outcomes.
Vitamin D Linked to Lower Heart Disease Risk
New study links low levels of vitamin D in the blood to heart disease.
Financial Facts
VIMO.com provides information on the costs of different medical procedures from various hospitals around the country, including the cost of open heart surgery.
Optical Health
Optical Health White Paper
Executive Summary of Optical Health
Research piece on the importance of maintaining good optical health. Connects vision with productivity and concentration at school and on the job, describes the eyes as an early warning system for serious health conditions, and promotes regular check ups for comprehensive eye exams.
Statistical Information
Web page of compiled independent sources that provides statistical information on vision health in the US, including data on the quantity of people with vision problems.
Prevention
Diabetic Eye Disease: Early Protection Crucial in Preserving Sight
San Fernando Valley Business Journal article that provides information on the early detection of eye disease, including the potential to prevent long-term diabetes complications through examination of blood vessels in the retina.
American Diabetes Association (ADA) website provides information on early detection of diabetes, including symptoms related to vision.
Improved Nutrition Could Help Prevent Vision Loss
Science Daily research news article providing research that makes the connection between nutrition and prevention of vision loss. Macular pigment in the retina (accumulated of yellow compounds from fruit and vegetables) may prevent age-related vision loss.
Treatment
Gene Therapy Improving Sight in Congenital Blindness
Report on a study that found gene therapy to improve eye sight in small control group of patients with inherent blindness.
Linked Conditions
Comprehensive Eye Exams Particularly Important for Classroom Success
American Optometric Association (AOA) press release that makes a strong connection between a lack of comprehensive eye exams and un-diagnosed vision conditions with young problem learners.
Study Shows Visions Effects on Productivity
Press release of a study taken from an AOA Journal publication on the connection between vision and productivity.
Vision Insurance
Why Vision Benefits Can Weather the Economic Storm
California Broker magazine article that provides information on the benefits of vision insurance. Includes insight on vision treatment and its relation to blindness prevention, employee performance and retention, and employer profitability and affordability.
Boosting Morale With Eye Health Insurance
California Broker magazine article that makes the case for employers to provide eye care insurance for their employees.
Oral Health
Oral Health White Paper
Executive Summary of Oral Health
Research piece on the importance of oral hygiene and preventative care. Relates oral health to overall health.
Prevention
The American Dental Association (ADA) website provides recommendations for good oral hygiene.
Protecting Oral Health Throughout Your Life
Article focusing on oral health related to women. It provides useful information on different periods in a woman’s life and what to expect in regards to oral health changes.
Linked Conditions
Brush Your Teeth, Save Your Life
WWLP/CNN ( Springfield, MA) news transcript that provides insightful information on the link between poor dental health and heart disease.
Periodontal Infection and Preterm Birth
Journal of the American Dental Association (ADA) research on the link between periodontal infection and premature birth.
The Relationship Between Stroke and Dental Health
Ezine (ezinearticles.com) article that provides information on the link between dental health and stroke, including a medical explanation on how it could occur.
How Ignoring Dental Care Can Cause Health Problems
Revolution Health (revolutionhealth.com) article that provides information on how poor dental health is connected to a variety of other health problems, including diabetes and colon cancer.
Treatment for Gum Disease Helps the Heart
Article refers to a University College London study that demonstrates a direct connection between periodontitis (gum disease) and heart attack and stroke.
Article provides support for the connection between oral health and general overall health.
Financial Facts
How to Manage Dental Costs, With or Without Insurance
Article on dental treatment affordability awareness. Includes information on prevention measures, price disclosure, treatment phases, dental school clinics, and discount networks.
Reducing the Cost of Turnover
Reducing the Cost of Turnover White Paper
Research piece on the effective communication of employee benefits and how it can reduce turnover, increase job retention and satisfaction, create an awareness of the value of health benefits, and save money on health care spending.
Turnover and The Cost of Turnover
Employee Turnover Cost Studies
Sasha Corporation provides examples of the varying employer costs of turnover per lost worker for a range of industries. A conservatively estimated average turnover cost is included, as well as projected savings for retention of front line employees.
Current (2008) Turnover Rates by Industry- How Do You Compare?
Compensation Force provides U.S. labor statistics on turnover rates by industry. How does your turnover compare to the most current average rate?
Historical (2007) Turnover Rates by Industry
Compensation Force provides U.S. labor statistics on turnover rates by industry.
Historical (2005-’06) Bureau of Labor Statistics Employee Turnover Rate
Nobscot Corporation provides U.S. labor statistics on turnover rates by industry and region.
Historical (2004) Monthly U.S. Department of Labor Employee Turnover Rates
Nobscot Corporation provides U.S. labor statistics on turnover rates by industry and region.
How Communications Increase Benefits Satisfaction, Loyalty, and Reduce Turnover
Communication Plays Critical Role in Improving Retention Power of Health Benefits
Watson Wyatt press release on a study showing the statistical relationship between communicating employee benefits and increased retention. Among their findings, companies that offered lower-cost benefits with effective communication strategies realized a 5% decrease in turnover for top performers when compared to companies with rich benefits and poor communication strategies.
Effective Communication as Retention Tool
Short article summarizing and highlighting the key findings of a Mercer “2002 People at Work Survey”. The survey’s results provide overwhelming support for the theory that good organizational communication leads to greater retention.
A Business Wire article citing the Met Life Employee Benefits Trends study. Reports on employee misperceptions of employer health care spending.
Case Studies
Benecom, Case Study, Communicating a Large Scale Open Enrollment Campaign
The Benecom Associates website provides links to case studies exemplifying the positive outcomes for companies and organizations that work with benefit communications specialists.
The Univers website provides links to case studies exemplifying the positive outcomes for companies and organizations that work with benefit communications specialists.
Best Practices
Employee Retention Strategies- Myths
This Employee Retention Strategies web page provides a list of common employer myths once thought to have a major impact on retention, including bonuses, less responsibility, and not enough pay.
U.S. Chamber Study Finds the Cost of Providing Employee Benefits Continues to Rise Sharply
U.S. Chamber of Commerce press release reporting the average dollar amount employees receive in benefits according to the 2008 Employee Benefits Study.
2009 Health Care Cost Survey Reveals High-Performing Companies Gain Health Dividend
Informational Towers Perrin article that provides links between high-performing companies and a lower health cost for their employees, including a projected 2009 employer health care cost per employee.
Productivity Cost of Health Risks Calculated
This Employee Benefits News article examines the relationship between costs resulting from lost productivity and employee health.
The Importance of Year-Round Benefits Communication
This Personnel Legal Alert newsletter article provides insightful information on a more effective strategy for open enrollment. The author builds the case for communicating benefits to employees on a more regular basis. Studies show that employees are not educated enough on their health plans. It’s suggested that focusing on the reasons (ex: obesity) for increased costs in deductibles may help reduce health risks and lower costs.
Educating Employees on Benefits
National Provisioner article describing and explaining employer trends in incorporating communication and education into their benefits programs. Gives 8 tips for communication success.
Obstacles to Worksite Wellness Programs
Report on the five obstacles that impede successful implementation of worksite wellness programs. Lack of employee interest (63.5%) resulting from lack of communication was found to be the biggest obstacle.
Retirement
Saver’s Tax Credit
Retirement Savings Contribution Credit (Saver’s Credit)
A taxpayer’s guide to the saver’s credit. Includes eligibility requirements, credit rate determination, and claim procedure.
IRS Form 8880, Credit for Qualified Retirement Savings Contributions
Printable PDF form used to determine your credit rate. Also available at the official IRS government website.
Women’s Considerations
Retirement Security for Women: Understanding the Gender Gap and What to Do About It
Points out gaps in retirement preparedness between men and women by addressing differences in work life, home life, and financial planning. To access this journal’s publications you must first sign up for a 60-day free trial membership with the Society of Financial Service Professionals.
12 Retirement Strategies for Women
Important steps for women to take in preparation for retirement. Provides strategies for maximizing a woman’s retirement benefit and savings in the event of a divorce, as well as other important retirement strategies for women.
5 Retirement Tips…for Women Only
How women can maximize their Social Security benefits by delaying them, in addition to other retirement tips.
How Women Can Turn Retirement Savings Into Sustainable Income
Survey focusing on retirement trends among women with an emphasis on income sustaining knowledge and strategies.
Perspective on retirement for women as it relates to the female author’s personal retirement preparation, or early lack thereof. Addresses shortcomings in retirement planning among women. Includes an eye-opening statistic: Once retired, “women are 71% more likely than men to live below the poverty line.”
Why Women Fall Behind in Retirement
Traits, behaviors, and conditions that cause women to fall behind in retirement.
Distributions and Rollovers
Provides different options and considerations for those with 401k plans in anticipation of retirement. Lists the advantages and disadvantages of each distribution option upon termination of employment, including rollovers to an IRA and transfers to your new employer’s plan.
403(b)
403 (b) Regs Made a Greater Mark than PPA
Explains the impact IRS regulations have had on 403(b) plans and retirement plan trends.
Social Security Retirement Benefits
A brief guide to Social Security retirement benefits options and considerations.
ERISA Bonds
ERISA Fidelity bond – Quote / Purchase
Purchase ERISA Fidelity Bonds and Fiduciary Liability Insurance online.
Wellness Newsletter Archive
2008
New Year’s Resolution- Setting Weight Loss Goals
A step by step guide to weight loss for the New Year’s edition. Provides excellent tips for a plan’s approach and goals.
Heart Disease- Routine checkups & screenings
Informational piece on getting screened for heart disease. Provides an explanation of the risk factors for heart disease, a guide on how to take action, and what to expect during your screening to make the most out of your visit.
Provides tips and strategies for staying on track with a weight management plan.
Provides information on the components involved in developing a fitness plan. Also provides examples of ways to test your fitness level from home.
This piece provides information on proper posture and smart exercise for better strength and injury prevention.
Provides information on body image, what it is, what’s considered healthy or unhealthy, as well as social factors that contribute to the way we see ourselves. Includes an assessment to help individuals gauge their own level of healthy body image.
Provides timely safety tips for summer activities, including skin protection from the sun, lawn and garden precautions, and firework-related injury prevention.
This piece offers information on sleep disorders, their symptoms, causes, and treatment.
Provides a list of tips for better time management, as well as information and helpful suggestions related to other stressors.
How to Talk to Your Pharmacist & Doctor
Many tips are provided on medicine safety and how to best prevent medication errors from happening.
Information on common causes of back pain and a list of tips on how to keep your back healthy and prevent injury.
A timely piece on keeping a healthy diet for the holidays. Includes holiday tips, as well as general strategies for healthy eating.
Wellness Programs
Posted by ccbfamily in Wellness Programs, default on July 23rd, 2009
Wellness Program White Paper
Executive Summary of Wellness Programs
Research piece on why wellness is a smart idea for companies looking to decrease employee health risks, lower health care costs, decrease absenteeism, increase productivity, and create an overall positive return on investment.
Executive Summary of Elements of Successful Wellness Initiatives
Research on the different elements of wellness programs that improve employee health, lower health care costs, and improve the bottom line. This piece attempts to answer the question: Why do some wellness programs have only mediocre results while others are a great success?
Return on Investment (ROI)
Cost Benefit Analysis of Work Site Wellness Programs (2007)
Personal Best health promotion research on costs/benefits of wellness programs. Provides excellent figures in its analysis of return on investment (ROI).
Building the Budget for Wellness
Employee Benefit News article that makes the case for a wellness program as a good business strategy.Employers May See Tax Breaks on Wellness Programs
Employee Benefits News article on new legislation giving a tax break to corporations with comprehensive wellness programs.Keeping Employees Well and Health Care Costs Down
Fabricator.com article on rising health care costs and ways to curb the increase, including wellness programs.
ROI-Based Analysis of Employee Wellness Programs
This document looks at the problem facing employers, the cost attributed to that problem, and the critical components a wellness program must incorporate in order to provide a long term, high ROI solution to that problem.
The Seagal company reports on the $19:1 ROI outcome resulting from Wellmont Health System’s wellness initiatives.
Trends
Wellness Programs on the Rise Among Larger Employers
Article/Press Release referring to Met Life’s sixth annual employee benefits trends study. The study reveals how effective wellness programs are considered at reducing health costs and suggests that’s why these programs are on the rise among large employers.U.S. Employers Turning to Wellness Programs
EHS Today news article that provides explanations as to why today’s employers are starting wellness programs. It cites increased health care costs as the main reason using statistical reinforcement.
Wellness Programs Gain Popularity Despite Financial Woes
Employee Benefit News article that provides good statistics on the trend of increasing employers who are starting wellness programs.Employees Say Wellness Benefits Lower Health Care Costs
Employee Benefits News article making the connection between participation in wellness programs and lower health care costs. Uses statistical evidence to support the correlation.
Weight Loss Programs Gain Popularity
Employee Benefits News article on the growing trend of employee weight loss as a part of wellness programs and its benefits.
Employers Stock in Wellness Rises with No End in Sight
Managed Care Magazine article on the trend towards a greater investment in reducing the health risks of employees.
Chamber Report Shows Employer Health Prevention Programs Lower Costs for Workers
U.S. Chamber of Commerce news release referring to a report on reducing health care costs through health prevention efforts and wellness programs.
Statistical Information
2009 Health Care Cost Survey Reveals High Performing Companies Gain Health Dividend
Research by Towers Perrin that provides projected per capita health care costs for the year 2009. The research suggests high-performing companies pay less and produce more by focusing their resources on health.
Provides statistical information on the cost of health insurance and health care.
Wellness Programs Increase Employee Loyalty; Stress Management Programs Most Desired
This release shares the results of a poll asking workers whether employer-sponsored wellness programs make them more loyal. Workers also tell what types of programs they desire most.
Elements of Successful Programs
Achieve Optimum Health Through Wellness Planning
Peoria Magazine article that makes reference to Welcoa’s seven benchmarks for successful wellness programs. Additionally, it includes 5 obstacles that can potentially impede successful implementation of work site wellness programs.
Start at the Finish Line Building Results-Oriented Wellness Programs
Employee Benefits News article that describes the 3 different types of wellness programs. Also, it includes HIPPA’s 5 requirements (legal considerations) for wellness programs.
Research on seven benchmarks of a successful wellness program. They include: data collection, support of senior management, operating plan, etc.
Employee Health Not Just a Fringe Benefit-Employee Wellness Programs-Includes Related Information
Business and Health article on an employer commitment to employee health and its correlation to wellness program success. Provides a case study of the Coors Brewing Company.
A Well Workplace Why a Worksite-Wellness Program Makes Dollars and Sense
Indiana Business Magazine article providing information on wellness programs and trends, cost savings, return on investment, and best methods for program success.
Developing An Employee Wellness Program
A guide to starting a wellness program. Includes examples of components that can be included in a good wellness program and suggests what steps to take towards implementation.Components of Wellness Programs
Describes various components of wellness programs, their function, and how to use them most appropriately and effectively.
Wellness Program Guide How to Start a Wellness Program
Provides steps to starting a wellness program. Includes the function of each step, key components, and factors for success.
Carefully Crafting Your Organization’s Wellness Plan
Welcoa’s list of essential elements that can improve wellness programs to create more effective outcomes.
Three Elements of a Successful Program
Video- “Bob Petrancosta, VP of Safety for Con-way Freight, explains the three elements he believes constitute a successful Employee Wellness Program, why they went with on-site wellness coaches and the results they enjoyed since implementing the program more than two years ago.”
Absenteeism and Presenteeism
Economists Coin Term Presenteesism for on-the-job Health Slowdowns
Cornell Chronicle article that describes Cornell’s research on the impact of presenteeism (new term). Does not provide hard numbers, but gives rough statistics to represent presenteeism as a percentage of total health cost, as well as other comparisons.
Impact of Employee Absences Survey Highlights
Mercer’s research on the financial impact of absenteeism for employers.
Employee Benefits News article on the financial impact of absenteeism in the workplace. Provides statistical data from a recent Mercer study, as well as researcher insight and information on what employers are doing to curb the trend.
Productivity Cost of Health Risks Calculated
Employee Benefits News article on the cost of presenteeism to the employer. Provides figures on loss of productivity capacity and how that translates to financial loss.
Employee Benefits News article on Waste Management (Texas-based company) and their reduction in health care costs (due to absenteeism/presenteeism) through integration of wellness.
Unhealthy Employees Cut Productivity
Article gives reference to the Journal of Occupational and Environmental Medicine study on presenteeism and its effects on productivity.
An abstract referring to the American Productivity Audit. Provides information on lost productive work time due to health conditions.
U.S. Chamber of Commerce report on the costs of absenteeism and presenteeism for U.S. employers.
Health and Development Through Physical Activity and Sport
The World Health Organization (WHO) report on workplace physical activity programs. Found that businesses can increase productivity by 2-52%.
References a NASA case study reporting a 12.5% increase in productivity in their fitness program participants versus non-participants. Found that participants were able to improve their work performance as well as enhance their concentration and decision-making powers.
Case Studies
Wellness Program Leads to Healthier Employees, Healthier Bottom Line
This Scripps news release provides information on the outcomes of Scripps Hospital’s employee wellness program. Excellent case study to show an example of what successful program outcomes look like.
Incentives
Employers Plan Health Incentives for Workers
Blue Cross/Blue Shield article that provides good statistics on the current rate of employers offering incentives to participate in wellness programs. It also makes mention of the connection (through statistics) between employers who offer incentives in relation to leading-edge employers.
Finding an Answer to the Million Dollar Question
Employee Benefit News article that describes author Michael Puck’s unsuccessful first attempt at a wellness program. It gives Puck’s personal insight on how to learn from his mistakes and create a successful program. Key statistics (participation rates) are also included.
Firms Offer Bigger Incentives for Healthy Living
USA Today article on the trend towards increased incentives as part of wellness programs, citing the case study of Affinia Group.
Public Attitude Shifts in Favor of Employer Incentives to Change Employee Health Behavior
Article on the trend towards incorporating financial incentives into wellness programs, including opinion polls.
Penalties
Ohio Firm Latest to Join Workplace Smoking Crackdown
Plansponsor News article describing the case of Scott’s Miracle Grow Company, and there new wellness program which mandates for employees to stop smoking or be fired.
Lawyers Smolder Over MI Firms No-Smoking Policy
Plansponsor News article that provides opposing views on the subject of employer implemented smoking bans for employees (discrimination or legal and effective health policy?). Provides the case example of Weyco Company. Also makes mention of a Union Pacific Railroad no-smoking policy.
Workers Who Take More Sick Leave
Short Plansponsor News article that reports on the extra health costs related to absenteeism, and new penalties for employees that smoke tobacco.
Bona Fide Wellness Regulations
HIPAA nondiscrimination provisions for wellness programs provided by the Federal Register.
Nondiscrimination and Wellness Programs in Health Coverage in the Group Market
This Federal Register document contains final rules governing the provisions prohibiting discrimination based on a health factor for group health plans and issuers of health insurance coverage offered in connection with a group health plan.
Northwest to Kick Off Smoker Health Coverage Surcharge
Plansponsor article on a new Northwest Airline’s policy used to penalize smokers in an effort to reduce health insurance premiums.
Peach State Slaps on $40 Employee Smoking Surcharge
Plan Sponsor article on a new tobacco surcharge for Georgia state employees who smoke. The surcharge would be used to help limit the increase in health insurance premium costs.
Why Adopt a Wellness Program
Annual Medical Spending Attributable to Obesity
Health Affairs article on the link between obesity and increased medical spending.
Health Education, Preventable Lifestyle-Related Illnesses and Health Care Costs
Refers to a Center for Disease Control and Prevention (CDC) report on the percentage of health care costs (70-90%) attributable to preventable illnesses.