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Corporate Wellness
    Programming To Maximize
    Return On Investment (ROI)

            Presented by:
  Aida Visakay, Employee Benefit Advisor
John Buckley, Corporate Wellness Specialist
 Andrée Laney, Employment Law Attorney
Introduction
• Aida Visakay: AxisPointe
  President and CEO of AxisPointe, a boutique employee
  benefit advisory firm since 1991. A speaker and author on
  Health Care Reform.

• John Buckley: Health Fairs Direct
  Johns Hopkins Graduate, Nationally recognized corporate
  wellness speaker and author, owner of Health Fairs Direct
  since 2000.

• Andrée Laney: Bressler, Amery & Ross
  Employment Law Attorney in firm’s Florham Park, NJ
  Office; counsels businesses on legal issues from
  recruitment through termination.
Why Wellness as a Business Strategy?
•   Reduce Medical Cost
•   Increase Performance
•   Reduce Absenteeism
•   Increase Presenteeism
•   Brand Company
Where Do Your Dollars Go?
What
can you
control?
                   20%
How are you
going to       80%
control it?
Cost of Chronic Diseases
                      Per Person Per Year
•   Depression/Stress:    $3,000
•   High Blood Pressure: $343
•   Obesity:              $2,500
•   Overweight:           $401
•   Smoking:             $1,623

    Milliman and Robertson Consulting, Journal of
    Occupational Medicine, Journal of Occupational and
    Environmental Medicine, Journal of Occupational
    Medicine, CDC
Annual Cost of Obesity (2002)
          Cost of obesity in the United States                                                           $ 117 Billion
          Overweight population in the United States                                                           35%
          Obese population in the United States                                                                31%
          Obesity-related deaths in the United States                                                       300,000
          Additional drug costs for overweight patients                                                       $ 684
          Number of lost workdays due to obesity                                                          39,000,000
          Number of doctor visits due to obesity                                                          63,000,000
          Percentage of cancer deaths that can be prevented through
                                                                                                               33%
          nutrition, exercise, and weight management
          Number of diseases with higher prevalence due to obesity                                              15


Sources: “The Surgeon Generals Call to Action to Prevent and Decrease Overweight and Obesity”, US Department of Health and Human Services
           www-incentahealth-com.netsolads.com/LowerHealthCosts.html
Impact of Weight on
              Chronic Diseases

15% increased risk of the
following chronic diseases:
 • Diabetes
 • Heart Disease
 • Respiratory
 • Cancer
Wellness Options by Cost & ROI
                                           Best
                                    ROI    Value
  Least
Expensive
                   Service            ?
                                      ?
            nsurance Companies
                                     2.5
            n-House                 17.5
                                    2.51
  Most
Expensive
            ealth Fair              4.75
                                     4.5
            nline Wellness Portal
Case Studies
                Using Wellness
• RX renewal with a 96% loss ratio:
  9.5% increase. Same carrier
  negotiated to 3.5%; different
  carrier negotiated to 0% increase.

• Medical & RX with a loss ratio of
  98% after a 2 year wellness
  program we reduced claims to a
  56% loss ratio: recommended
  partially self-insured.
The Basic Goals for
Achieving Positive -ROI with Wellness:
  • Hit a Broad Range of
  Potential Issues to
  Encourage Individual
  Lifestyle Changes
  • Give All Employees
  Access to Wellness
  Programs
  • Personalize Wellness
  Programs Using Today’s
  Social Media
Organize Wellness Around
               Online Wellness Tracker
    Provide a Central Platform To Organize Your
           Year-Round Wellness Activities
•    Includes All Employees***
•    Fun Interactive Wellness Challenges
•    Reward Positive Behavioral Changes
•    Encourages Avoiding Negative Behaviors
•    Tracking Behavioral Change (Aggregate Data)
•    Promotes Team Building
•    Educational, Coaching, HRAs, Webinars, Etc.
Step 1
               Full Service Wellness Events
            Health Fairs
3.   HRA/Medical Screenings -
     Create Need for Change

•    Local Exhibitors Resources –
     Handle Issues

•    Flu Vaccinations -
     Standard Protection

•    Wellness Related Promotional Items
     –
     Rewards & Incentives to Participate
Step 2
    Receive Aggregate Data from Vendor
Review Aggregate Data
 from Medical Screenings:
Establish Baseline of Issues to
be Addressed and Plan Year-
Round Programs for
Intervention

Option:
Combine aggregate data into Online
Portal to combine with behavioral data
already collected.
Step 3
        Implement Program Components
Target Programs to Address
 Health Risk Factors:
 •   Weight
 •   Blood Pressure
 •   Blood Sugar
 •   Cholesterol
 •   Smoking
 •   Lack of Exercise
 •   Work-Life Balance

 Choose programs to encourage personal change with the least
      amount of cost/effort on the part of the company.
Step 4
         Implement Programs & Incentives
               Programs:
•   Lectures/Workshops
•   Exercise Programs
•   Wellness Challenges (Wellness Portals)
•   American Heart Association
     – “Fit Friendly Company”

       Employee Incentives:
•   Gift Cards
•   Days Off
•   Reduced Insurance Premium                 All health and wellness activities are not
•   Reduced Cost to Health Clubs               created equal from an ROI standpoint.
•   Prizes                                   Careful Planning and Execution are Critical
                                                      to achieve a Positive ROI.
STEP 5
REPEAT EVERY 4 TO 6 MONTHS
Remember
The goal is to encourage
                      Remember:
individual lifestyle changes. Essential
Components:
   • YEAR ROUND Wellness Programming
   • Interactive Wellness Challenges
   • Incentive Based Activities
   • Address a Broad Range of Interests
   • Target Individual Health Risks
   • Bring Resources To Your Employees

    Wellness programs are individualized based
           on your company’s culture.
Wellness Program Legal Checklist
 Part of an insurance plan or a
  standalone?
 Who administers wellness program?
 Are incentives based on participation
  or standards?
 Provides medical or non-medical
  benefits?
 Mandatory or voluntary?
 Comply with applicable federal and
  state law.
 Maintain confidentiality.
 Receive only aggregate data.
Health Care Reform (PPACA)
          Stay Tuned
     Future of Act uncertain.
  Be prepared to be compliant.

    Impact on Employers
• $200 million worth of grants to
small businesses for wellness
programs.
• Must provide free preventive care.
HIPAA: Privacy and Nondiscrimination

• Applies only to “group health
  plans.”
• Prohibits discrimination based
  on health factors.
• Prohibits sharing identifiable
  health data with employer.
• Penalties for violations: $100
  to $1.5 million per year.
GINA: Voluntary Disclosure Only
• Prohibits acquiring, disclosing or
  discriminating based on genetic
  information.
• Employees can disclose genetic
  information voluntarily.
• EEOC suggests that employers include
  “Safe Harbor” language on all wellness
  program materials.
• Violations may trigger administrative
  claims/lawsuits of discrimination.
• Can subject employer to HIPAA fines.
ADA: Confidentiality & Accommodation

• Prohibits discrimination based on
  disability.
• Generally prohibits inquiries about
  employees’ disabilities.
• Requires reasonable accommodation
  if necessary to participate in program
  or meet incentive standard.
• Requires all employee medical
  information to be kept confidential
  and maintained separate from
  personnel files.
ERISA: Mandatory Programs

• Applies to wellness
  programs that provide
  or pay for medical care.
• Prohibits interfering
  with employees’ rights
  under employee
  benefit plans.
Other Laws To Consider

•   Title VII
•   ADEA/OWBPA
•   FMLA
•   FLSA
•   NLRB
•   Workers Compensation
•   Lawful off-duty conduct protections
•   State anti-discrimination laws
Questions??
Aida G. Visakay, CEO, CFP               Contact us for:
AxisPointe, Employee Benefit Advisors
P: (973) 299-0022                       • How to set up benefits plan
E: avisakay@axispointeinc.com           to maximize ROI.

John Buckley                            • How to set up a wellness
Health Fairs Direct                     program to maximize your
P: (732) 563-9749 x 105                 wellness budget and achieve
E: jbuckley@healthfairsdirect.com       the greatest ROI.

Andrée Peart Laney, Esq.                • For questions regarding
Bressler, Amery & Ross, P.C.            legal compliance.
P: (973) 245-0686
E: alaney@bressler.com

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Corporate Wellness Pogramming To Maximize Return on Investment (ROI)

  • 1. Corporate Wellness Programming To Maximize Return On Investment (ROI) Presented by: Aida Visakay, Employee Benefit Advisor John Buckley, Corporate Wellness Specialist Andrée Laney, Employment Law Attorney
  • 2. Introduction • Aida Visakay: AxisPointe President and CEO of AxisPointe, a boutique employee benefit advisory firm since 1991. A speaker and author on Health Care Reform. • John Buckley: Health Fairs Direct Johns Hopkins Graduate, Nationally recognized corporate wellness speaker and author, owner of Health Fairs Direct since 2000. • Andrée Laney: Bressler, Amery & Ross Employment Law Attorney in firm’s Florham Park, NJ Office; counsels businesses on legal issues from recruitment through termination.
  • 3. Why Wellness as a Business Strategy? • Reduce Medical Cost • Increase Performance • Reduce Absenteeism • Increase Presenteeism • Brand Company
  • 4. Where Do Your Dollars Go? What can you control? 20% How are you going to 80% control it?
  • 5. Cost of Chronic Diseases Per Person Per Year • Depression/Stress: $3,000 • High Blood Pressure: $343 • Obesity: $2,500 • Overweight: $401 • Smoking: $1,623 Milliman and Robertson Consulting, Journal of Occupational Medicine, Journal of Occupational and Environmental Medicine, Journal of Occupational Medicine, CDC
  • 6. Annual Cost of Obesity (2002) Cost of obesity in the United States $ 117 Billion Overweight population in the United States 35% Obese population in the United States 31% Obesity-related deaths in the United States 300,000 Additional drug costs for overweight patients $ 684 Number of lost workdays due to obesity 39,000,000 Number of doctor visits due to obesity 63,000,000 Percentage of cancer deaths that can be prevented through 33% nutrition, exercise, and weight management Number of diseases with higher prevalence due to obesity 15 Sources: “The Surgeon Generals Call to Action to Prevent and Decrease Overweight and Obesity”, US Department of Health and Human Services www-incentahealth-com.netsolads.com/LowerHealthCosts.html
  • 7. Impact of Weight on Chronic Diseases 15% increased risk of the following chronic diseases: • Diabetes • Heart Disease • Respiratory • Cancer
  • 8. Wellness Options by Cost & ROI Best ROI Value Least Expensive Service ? ? nsurance Companies 2.5 n-House 17.5 2.51 Most Expensive ealth Fair 4.75 4.5 nline Wellness Portal
  • 9. Case Studies Using Wellness • RX renewal with a 96% loss ratio: 9.5% increase. Same carrier negotiated to 3.5%; different carrier negotiated to 0% increase. • Medical & RX with a loss ratio of 98% after a 2 year wellness program we reduced claims to a 56% loss ratio: recommended partially self-insured.
  • 10. The Basic Goals for Achieving Positive -ROI with Wellness: • Hit a Broad Range of Potential Issues to Encourage Individual Lifestyle Changes • Give All Employees Access to Wellness Programs • Personalize Wellness Programs Using Today’s Social Media
  • 11. Organize Wellness Around Online Wellness Tracker Provide a Central Platform To Organize Your Year-Round Wellness Activities • Includes All Employees*** • Fun Interactive Wellness Challenges • Reward Positive Behavioral Changes • Encourages Avoiding Negative Behaviors • Tracking Behavioral Change (Aggregate Data) • Promotes Team Building • Educational, Coaching, HRAs, Webinars, Etc.
  • 12. Step 1 Full Service Wellness Events Health Fairs 3. HRA/Medical Screenings - Create Need for Change • Local Exhibitors Resources – Handle Issues • Flu Vaccinations - Standard Protection • Wellness Related Promotional Items – Rewards & Incentives to Participate
  • 13. Step 2 Receive Aggregate Data from Vendor Review Aggregate Data from Medical Screenings: Establish Baseline of Issues to be Addressed and Plan Year- Round Programs for Intervention Option: Combine aggregate data into Online Portal to combine with behavioral data already collected.
  • 14. Step 3 Implement Program Components Target Programs to Address Health Risk Factors: • Weight • Blood Pressure • Blood Sugar • Cholesterol • Smoking • Lack of Exercise • Work-Life Balance Choose programs to encourage personal change with the least amount of cost/effort on the part of the company.
  • 15. Step 4 Implement Programs & Incentives Programs: • Lectures/Workshops • Exercise Programs • Wellness Challenges (Wellness Portals) • American Heart Association – “Fit Friendly Company” Employee Incentives: • Gift Cards • Days Off • Reduced Insurance Premium All health and wellness activities are not • Reduced Cost to Health Clubs created equal from an ROI standpoint. • Prizes Careful Planning and Execution are Critical to achieve a Positive ROI.
  • 16. STEP 5 REPEAT EVERY 4 TO 6 MONTHS
  • 17. Remember The goal is to encourage Remember: individual lifestyle changes. Essential Components: • YEAR ROUND Wellness Programming • Interactive Wellness Challenges • Incentive Based Activities • Address a Broad Range of Interests • Target Individual Health Risks • Bring Resources To Your Employees Wellness programs are individualized based on your company’s culture.
  • 18. Wellness Program Legal Checklist  Part of an insurance plan or a standalone?  Who administers wellness program?  Are incentives based on participation or standards?  Provides medical or non-medical benefits?  Mandatory or voluntary?  Comply with applicable federal and state law.  Maintain confidentiality.  Receive only aggregate data.
  • 19. Health Care Reform (PPACA) Stay Tuned Future of Act uncertain. Be prepared to be compliant. Impact on Employers • $200 million worth of grants to small businesses for wellness programs. • Must provide free preventive care.
  • 20. HIPAA: Privacy and Nondiscrimination • Applies only to “group health plans.” • Prohibits discrimination based on health factors. • Prohibits sharing identifiable health data with employer. • Penalties for violations: $100 to $1.5 million per year.
  • 21. GINA: Voluntary Disclosure Only • Prohibits acquiring, disclosing or discriminating based on genetic information. • Employees can disclose genetic information voluntarily. • EEOC suggests that employers include “Safe Harbor” language on all wellness program materials. • Violations may trigger administrative claims/lawsuits of discrimination. • Can subject employer to HIPAA fines.
  • 22. ADA: Confidentiality & Accommodation • Prohibits discrimination based on disability. • Generally prohibits inquiries about employees’ disabilities. • Requires reasonable accommodation if necessary to participate in program or meet incentive standard. • Requires all employee medical information to be kept confidential and maintained separate from personnel files.
  • 23. ERISA: Mandatory Programs • Applies to wellness programs that provide or pay for medical care. • Prohibits interfering with employees’ rights under employee benefit plans.
  • 24. Other Laws To Consider • Title VII • ADEA/OWBPA • FMLA • FLSA • NLRB • Workers Compensation • Lawful off-duty conduct protections • State anti-discrimination laws
  • 25. Questions?? Aida G. Visakay, CEO, CFP Contact us for: AxisPointe, Employee Benefit Advisors P: (973) 299-0022 • How to set up benefits plan E: avisakay@axispointeinc.com to maximize ROI. John Buckley • How to set up a wellness Health Fairs Direct program to maximize your P: (732) 563-9749 x 105 wellness budget and achieve E: jbuckley@healthfairsdirect.com the greatest ROI. Andrée Peart Laney, Esq. • For questions regarding Bressler, Amery & Ross, P.C. legal compliance. P: (973) 245-0686 E: alaney@bressler.com