Here’s What the Health Insurance Renewals Process Looks Like

Between rising costs and health care reform, there are a lot of factors to consider for your renewal. With our visual presentation, it’s easy to understand all your options – and legal obligations – simplifying the conversation.

However, we understand you may be new to the renewal process or need a refresher on what it looks like, so we pulled this article from Just Works:

If your company provides health insurance plans to employees, or is considering offering it for the first time, you’ll have to become familiar with the annual renewals process.

Health insurance renewals are a yearly occurrence in which companies adjust their rates and offerings and allow employers to select the best plans. The process includes insurance companies, employers, and employees at various stages.

Why Do Health Insurance Renewals Happen Every Year?

For employees, renewals occur annually to allow you to change your plan based on your current needs. As an employee of your company, you’ll have the opportunity to switch plans, add a dependent, or opt out if needed. You can also keep things the same as they were in the previous year.

As an employer, renewals are an opportunity to change which plans your employees will have access to and your company’s contribution.

For insurance carriers, renewals happen annually to make sure plans are up-to-date with rules and regulations, adjust pricing to take into account inflation in the health insurance industry, and reassess risk.

What Does the Renewals Process Look Like?

  • Reassessment stage. Insurance companies reassess pricing for the upcoming year and then decide on any altered costs and services to the employer. These costs generally rise year-to-year with inflation rates in the healthcare industry due to technology, research, administrative costs, and other factors.
  • Presentation stage. Insurance providers present available plans to companies. You will be presented with the options your employees will have access to and pricing for the upcoming year.

  • Selection stage. You’ll have the opportunity to select the plans your employees will have access to. Your employees can have access to up to four plans, and you can make your selections online. Once you make your selections, you’ll choose your contribution amount (how much you want to contribute per plan for each of your employees).
  • Employee enrollment stage. Once you’ve selected which group plans your employees will have access to, open enrollment will begin for your employees. They’ll be presented the plans you’ve selected to be available for them. This is their opportunity to switch due to different life circumstances and based on their budgets.
  • Completion stage. Once your employees have selected their plans, coverage is effective on the date your insurance provider or PEO stipulates.

What is the Timeframe for Renewals?

Not all plans renew on the same calendar year schedule. If you’re with a PEO, you’re on a master policy that must renew at a specified time, regardless of when your company signed on. Although you can’t choose the renewal date, master policies are what allow PEOs to give small businesses enterprise-level rates.


 

 

Source:
JustWorks (1 September 2017). "Here’s What the Health Insurance Renewals Process Looks Like" [Web Blog Post]. Retrieved from address https://justworks.com/blog/healthcare-renewals-process


7 Ways Your Company Can Lead by Example by Supporting the Lives of Others

Be a business the gives back. In this article, adventure into some great ways to support your community and be a charitable employer.


Business moves the world. So how do you want your company to contribute?

To one degree or another, many of us feel the world today lacks quality leadership. But what better way to fight against that trend than by inspiring greatness in our future leaders? It all begins with leading by example. That’s a tall order, though, and not very specific — so let’s explore seven ways your company can assume thought leadership in the ongoing search for a better quality of life for all.

  1. Giving Back to the Community

If no person is an island unto themselves, that goes double for companies. We tend to think of our careers as somehow separate from the rest of waking life, but the truth is that communities and businesses are very much intertwined. Communities are responsible for the growth and success of businesses — and the other way around, too.

So? Give back as often as you can to the community that has made your business what it is today. We’ll talk in greater detail in a moment about what corporate citizenship should look like, but just getting that sentiment into your corporate culture and set of values is a great place to start.

  1. Be a Better Global Citizen

Making your business the source of positive influence in your community is one thing. But how are you being a global citizen?

Some folks in America seem to believe globalization should be feared and fought against, but rational business leaders know better. As the world draws closer together, we’ll be better prepared than ever to tackle some of the problems that affect us all in equal measure. But first we have to recognize our place in the larger global community.

One example would be The Exterior Company, based in Lancaster, PA, which recognizes their role on the global stage by contributing some of their profits to organizations committed to raising the standard of living in the poorer parts of the world.

 

  1. Know Your Values

Let’s get philosophical. Do you know what you value, personally? Would an onlooker identify your company as a “principled” one, even if they might not agree with the principles themselves?

The world needs businesses and leaders who know what they believe in. Not so we can blindly agree with them, but because all viewpoints help make the conversation a richer one. Even Hobby Lobby helped improve the conversation surrounding LGBTQ rights in America — even if they are, manifestly, and according to most Americans, standing on the wrong side of the issue.

American consumers wish for and respect companies that take the time to craft cohesive and forward-thinking sets of values. Why not show thought leadership here, and in the process, improve your company’s standing in the public eye?

  1. Donate Your Time

Money is a very valuable resource. But to many folks who don’t come from privilege, time is an even more precious commodity.

You can help support the lives of others — and lead by example in the process — by committing some of your free time to pro-social pursuits. Think of what would happen in the world if every employer allowed and encouraged their team members to commit some of their billable hours to charity work or another kind of community service.

Think of it like this: Corporate America boasts some of the most gifted and thoughtful people in the world. Folks for whom problem-solving comes naturally. What a shame and a waste it would be if all that talent were used merely to generate profits for private enjoyment.

 

  1. Raise the Standard of Living

If you’re new to business, you’ll recognize quickly that the conversation around workers’ well-being has changed in recent years. For example, global competition has thrown into sharp relief the ways that American corporate culture lags behind the rest of civilization. We have not yet joined the consensus on the fundamental right to paid sick leave and parental leave, for example.

There may be no better way to lead by example than to demonstrate how worthy your employees are of living high-quality lives. Your workers are your brand ambassadors — you want them to be able to go out into the world and proudly say their needs are taken care of. This improves the quality of our conversation everywhere.

 

    1. Raise Your Employees’ Awareness of the World Around Them
 I try not to use this column to tout my own business, but I do take every chance to support my team of employees who are dedicated to supporting the lives of others through our FX Builds program. We have been exceedingly fortunate over the years in attracting a very high caliber of employee — folks who genuinely care about making the world a better place. And so we wanted to help them achieve something tangible in service to that commitment.

With FX Builds, we’ve helped establish a culture within our organization that ties daily excellence to funds-matching for charitable giving. We’ve already helped break ground on schools in distant countries where public education isn’t something that can be taken for granted.

The point, simply, as it is with other entries in this list, is to make your local team more aware of the larger world and to look for ways to live more fully and conscientiously within it. It’s probably easier than you might think. And if you do it thoughtfully, you can leverage the passion your team already brings to the table.

 

  1. Focusing on Sustainable Living

According to the scientific community, Earth is experiencing its sixth major extinction event even as we speak. Is that enough of a wake-up call?

It is clear that the individual has failed planet Earth. None of us could reuse enough plastic shopping bags in fifteen lifetimes to reverse the climate change that is already making life difficult in the poorer parts of our planet. And nothing about this is going to improve until we admit there’s a problem and agree on who’s in the best position to make a difference.

That means business leaders must actually lead by example, doing the heavy lifting the individual cannot on their own. It means taking advantage of cheaper-than-ever solar power everywhere you can afford to have it installed. It means not using more paper or other finite resources to do your work than is strictly necessary. It means turning off the computers in your office overnight.

To be perfectly honest, company leaders don’t have to look very far at all to lead the way in sustainable living. And if we can do it in the fight for sustainability, we can do it in every venue that requires decisive, progressive-minded leadership.

If every employer in the world used their resources and influence to help solve this and other crises we face in the world today, the future would be very bright indeed. Word is getting out that pro-social companies — being, after a fashion, like families themselves — are in a truly unique position to change life as we know it for the better.

 

Read the original article.

Source:
Craig W. (5 December 2017). "7 Ways Your Company Can Lead by Example by Supporting the Lives of Others" [Web blog post]. Retrieved from address https://www.forbes.com/sites/williamcraig/2017/12/05/7-ways-your-company-can-lead-by-example-by-supporting-the-lives-of-others/#786463064bbe


The 10 Smartest Things To Look For In Every New Hire

Shutterstock

If you’re hiring a new member of your team, congratulations. You have a business that is thriving enough to need more hands. But be prepared, as the shortage of highly skilled workers means finding and retaining quality, creative employees, which can be pretty tough.

According to a 2017 Creative Group study:

41% of surveyed advertising and marketing executives say it’s challenging to find creative talent today.

52% of advertising and marketing executives say they are concerned about retaining their current creative staff in the next 12 months.

For any company, especially companies that do creative work, the people you hire are your most important asset. So how do you hire the right ones (and avoid the wrong ones)?

It can be easy to become overly focused on things like previous employers, degrees and awards — the stuff that may pique a hiring manager’s interest during the applicant-screening process. But in my decade of experience hiring people for our creative agency, I’ve learned that the key to hiring the right people is starting with a clear understanding of the attributes you want in a new hire: the values, characteristics, personality traits and beliefs that will make them an active agent, not a passive employee.

When you hire someone, you aren’t just adding a body. You are introducing a new element to your culture, your work and your skillset. They will become a conduit for your company’s vision and values, and they will influence — and be influenced by — the people around them, for better or worse. That’s why finding people with the right foundation is everything.

After hiring many roles, both successfully and poorly, I’ve distilled the 10 traits that I think are most important for a new hire — beyond their resume.

1. Hunger: Experience is important and necessary for most roles you hire for. However, you don’t want people who have already accomplished everything and are just looking to coast. The best people want to grow, no matter where they are.

2. Humility: Accomplishments are impressive, but they become less so if someone constantly brags about them. You want to hire team players who want everyone to get the glory (and don’t leave passive-aggressive notes in the kitchen about how the dirty dishes in the sink inconvenienced them). Also, look for people who understand the difference between humility and false humility. To quote C.S. Lewis, real humility is someone who “will not be thinking about humility: he will not be thinking about himself at all."

3. Intelligence (Intellectual And Emotional): Book smarts are good. Street smarts are better. Both are ideal. The best employees have not only the technical ability but also the intuition and common sense to get things done — without oversight — under what are sometimes very stressful circumstances.

4. Self-Awareness: Self-awareness is vital when interacting with other people, whether it’s clients, coworkers or colleagues. Understanding your actions and how they are interpreted and make others feel, is often the difference between being someone who is a pleasure or a pain to work with. The good news is this trait is pretty easy to assess in an interview.

5. Curiosity: An unknown source once said, “Knowledge is having the right answer. Intelligence is asking the right question.” To grow, improve and work more efficiently, you need people who are interested in challenging old paradigms, testing, experimenting and learning. That all comes down to interest and curiosity. Great hires will proactively ask questions and seek out information to make the right decisions or suggest new ideas.

6. Scrappiness: Our company was a bootstrapped startup founded by three broke 20-something guys, so scrappiness is built into our DNA. But it’s an employee trait that benefits any organization. You want people who can get stuff done when things aren’t easy, who can always find a way and who don’t need you to hold their hand.

7. Resilience: Failure and frustrations are inevitable in creative work — even on a daily or weekly basis. People who have defied odds, made interesting career switches or taught themselves new things already come equipped with demonstrated resilience. When you go through a rough patch, as every company does, you’ll be grateful that you have people who are willing and able to weather a storm or two instead of jumping ship at the first sign of difficulty.

8. Flexibility: People who are willing to embrace change, who can dig in and help others out — even when a task isn’t technically in their job description — are the secret to helping a company evolve. At our company, we have many people who’ve held several different positions, some of which span across multiple departments, in just a few years. Their flexibility and knowledge benefits each new team and makes us stronger as a whole.

9. Kindness: No one wants to work with an unpleasant person — even if that person is highly capable. Note, however, that being kind is different from being nice. According to Merriam-Webster, "nice" is defined as: "1. pleasant; agreeable; satisfactory. 2. fine or subtle. 3. fastidious; scrupulous." The same source defines "kind" as: "having or showing a friendly, generous, and considerate nature. Affectionate; loving." Being nice is fine; being kind is absolutely necessary.

10. Passion For What We Do: A truly successful company, no matter the size, is full of people who are invested in the cause, vision and values. Even if you’re a small operation without the same financial resources as your competitors, the only way to build a healthy, happy organization is to hire passionate people who share your vision.

To quote Shafqat Islam, the CEO of NewsCred, in the company's public culture document, under the "People" section, he writes: “This is the only thing that matters — we can screw up in everything else, but if we hire the best people, things will work out. A great team with a bad idea can still execute and make it work. A bad team with a great idea will fail every time.”

 

Read the original article.

Source:
Ritchie J. (6 December 2017). "The 10 Smartest Things To Look For In Every New Hire" [Web blog post]. Retrieved from address https://www.forbes.com/sites/forbesagencycouncil/2017/12/06/the-10-smartest-things-to-look-for-in-every-new-hire/#30d66c776704

SaveSave


Cyber Risks & Liabilities - January/February 2018

Troubling Lack of Cyber Concern by CFOs

Gone are the days when chief financial officers (CFOs) solely had to focus on managing their organization’s financial risks. These days, CFOs need to think about the costs of cyber security as well as the costs associated with not having enough of it. When their security tools are inadequate or threats go unnoticed, there is an increased risk of incidents that can costs thousands or millions of dollars in repairs, lost business and reputation. CFOs need to apply new strategies when it comes to tackling cyber risks.

Work With the Chief Information Security Officer

According to recent data, 39 percent of IT workers don’t believe their senior management understands the impact that a security breach could have on their company’s reputation. CFOs should become active members of their security teams, instead of passive observers, in an effort to protect their revenue with a more focused and effective cyber security plan. The most effective partnerships involve weekly cyber exposure reviews with management and IT.

Invest in IT

A recent report found that firms that invest more in IT security experience an average of 6.8 fewer breaches and save more than $5 million. With the growing number of available devices that employees can use to stay connected and do their jobs, new approaches are needed to deal with increased cyber exposure that may have been more easily contained in the past.

Be Accountable

CFOs need to realize how cyber risk affects financial risk. According to a recent study by Ponemon Institute, data breaches result in an average stock price decline of 5 percent and an average revenue decline of $3.4 million. CFOs cannot manage risks of that magnitude by themselves. It is in the best interest of the entire company if its CFO partners with others in the organization who have a vested interest in managing cyber risk.

The Biggest Cyber Security Disasters of 2017

Like 2016 before it, 2017 was not without its share of cyber security incidents—incidents that impacted companies of all sizes and affected multiple industries. The following are some of the biggest cyber security disasters of 2017:

  • WannaCry—Using a tool that was allegedly stolen from the U.S. National Security Agency, cyber criminals exploited a flaw in Microsoft’s Windows system in order to spread malware dubbed WannaCry. The attack, which took place May 12, 2017, has impacted over 200,000 users in at least 150 countries.
  • Equifax—In September of 2017, Equifax, one of the largest credit reporting agencies in the United States, was the victim of a massive cyber attack. This attack compromised the personal information of over 143 million people.
  • Yahoo—In late 2016, Yahoo reported more than 1 billion user accounts were impacted by a 2013 breach. Later in 2017, it was revealed that over 3 billion Yahoo accounts were compromised.
  • Verizon—In July of 2017, it was reported that 14 million Verizon subscribers may have been affected by a data breach. The majority of those impacted by the breach were individuals who had previously contacted Verizon customer service.
  • Gmail—In May of 2017, it was revealed that Gmail users were targeted in a sophisticated phishing scam. The scam sought to gain access to accounts through a third-party app. Over 1 million users have been impacted.

Trump Administration Releases Rules on Disclosing Cyber Flaws

The Trump administration publicly released its rules on whitehouse.gov for deciding whether to disclose cyber security flaws or keep them secret. In doing so, the administration hopes to bring more transparency to its cyber processes.

The U.S. government initially created the Vulnerabilities Equities Process (VEP) under former President Barack Obama, to determine what to do with discovered flaws. The process was designed to balance law enforcement’s and U.S. intelligence officers’ desires to hack into devices with the intention to warn manufacturers of the need to patch holes in their security. However, the government has attracted criticism for jeopardizing internet security by stockpiling detected cyber vulnerabilities in order to preserve its ability to launch its own attacks on computer systems.

The new Trump administration charter explains how the VEP functions and names the agencies involved in the vulnerability reviews, including intelligence agencies as well as several civilian departments that include the Departments of Commerce, Treasury, Energy and State.

The National Security Agency is the executive secretariat of the interagency group. Its job is to coordinate debates over flaws that the various agencies submit in case there is a disagreement about whether to disclose them. If the disagreements cannot be reconciled, the group will vote on whether to disclose or retain the flaws.

The new rules also require the creation of an annual report to provide metrics on the amount of flaws discovered, retained and disclosed. Portions of the report are to be made public. Decisions to retain vulnerabilities are to be reconsidered every year.

According to White House security coordinator Rob Joyce, the revised rules are intended to shed light on the process for how various federal agencies weigh the costs of keeping a flaw secret. Joyce said the rules are the most sophisticated in the world and that they set the United States apart from most other nations.

More than 90 percent of flaws are ultimately disclosed, according to Joyce, although critics argue that they’re not shared quickly enough.

 


7 Ways Employers Can Support Older Workers And Job Seekers

With all the focus on helping the younger generation achieve success in their careers, let's not forget to support our older workers and job seekers. Read this post for 7 tips for employers to help support older workers.

Credit: Shutterstock

With the unemployment rate (4.1%) at its lowest since 2000, employers are struggling to retain their best workers and attract qualified new ones. Although their efforts are often directed at Millennials, in places where people in their 20s and 30s are increasingly hard to find, employers are equally focused on people in their 50s and 60s.

For example, in May, more than 170 New England employers, policymakers and business leaders came together for an event notably titled, Gray is the New Green: Unleashing the Power of Older Workers and Volunteers to Build a Stronger Northern New England. And at a recent Manchester, N.H., workforce strategies event, AARP-N.H. State Director Todd Fahey urged HR professionals to talk with older employees about the possibility of continuing to work on a flexible basis after they hit the traditional retirement age of 65.

As a boomer and a career coach, I’m heartened by this turn of the events. Of course, I’m not so naïve as to think age discrimination is over. I agree with what Chris Farrell just said in a Next Avenue post: “Older workers still face a serious uphill climb in the job market in many respects.”

So how can employers do a better job of finding, retaining and supporting older job applicants and employees?

To find out, I interviewed Greg Voorheis, the mature worker program coordinator and Governor’s Award coordinator for the state of Vermont. I also watched a video he conducted with executives from the 2017 Governor's Award winner, Chroma Technology Group, a manufacturing firm in the biotech space, based in Bellows Fall, Vt. Incidentally, workers 55 and over currently make up nearly 30% of Vermont's workforce.

7 Tips for Supporting Older Workers and Job Seekers

Here are seven tips from Voorheis and Chroma:

1. Advertise job openings in newspapers in addition to online outlets. “One of the things we’ve learned over the years is that the mature population still really likes written material, like newspapers,” says Voorheis.

The Chroma Technology Group advertises its openings in print and welcomes hard copy applications to accommodate people who might not be comfortable applying online.

2. Display photos and videos of older people in recruitment marketing materials. That helps make it very clear that all ages are welcome to apply.

3. Cut down on ageism by using a group-interview model. HR departments are often staffed by younger workers, and that can result in unnecessary age bias — conscious or otherwise. This is why Chroma uses teams of four to eight people to do its hiring. “That way, no one person’s perspective carries too much weight. And if there are biases, they are minimized,” says the company's HR director, Angela Earle Gray.

4. Encourage mentoring. When older workers mentor younger workers, that helps the employees and it’s good for the company, too.

“Experience is an important thing to pass on,” says Chroma President Paul Millman. “Work habits, ways of doing things, and attitudes towards work all mature over time.”

Chroma uses peer work trainers to both help onboard employees and to continue mentoring them until they’re able to demonstrate competency in their new roles.

5. Provide ample training for older workers. Experienced employees are usually eager to get training that will keep their skills sharp and make them more employable. Yet sometimes employers hesitate to provide it because they worry about the return on investment for workers who might retire soon. Chroma takes a different tack by encouraging all workers to seek training opportunities.

“If you can show us how that is going to benefit you, we’ll find a way to get you that training, or something similar,” says Gray.

6. Offer flexible work arrangements.Voorheis says seasonal work, such as the snowbird programs offered at IBM, can be especially attractive to older workers.

Even though Chroma prefers employees to work full-time, it offers telecommuting and flextime to accommodate workers’ needs. And when staffers have needed to go part-time for a stretch, the company has tried to make that work. “We’re not fond of ridding ourselves of employees,” says Millman.

Sabbaticals are another popular option at Chroma. Long-term employees have the option to take an extended leave, for up to 11 weeks. The leave is unpaid, but the company continues to pay for medical and dental coverage.

7. Provide a wide range of benefits. Chroma also offers generous retirement benefits, company stock and a variety of wellness programs, including reimbursement for gym memberships and fitness programs. It runs monthly employee education programs, too, on topics like retirement planning, wellness and advance-care planning.

“We take very good care of mature workers at Chroma,” says Gray. “But it was never a conscious choice to do that. The conscious choice was to take very good care of all our employees.”

Voorheis echoes that sentiment, saying: “Good behaviors and programs that benefit mature workers benefit workers of all ages

 

Read the original article.

Source:
Collamer N. (27 November 2017). "7 Ways Employers Can Support Older Workers And Job Seekers" [Web blog post]. Retrieved from address https://www.forbes.com/sites/nextavenue/2017/11/27/7-ways-employers-can-support-older-workers-and-job-seekers/#443ed6745ff0

SaveSave


R-E-S-P-E-C-T: How To Earn Respect At Work

It's important to feel respected in the workplace. Here are some helpful tips for keeping and earning respect at work.


Someone I was coaching recently wrote in their development plan that one of their goals was to “earn the respect of more people at work.” I thought that was an interesting goal and asked her to tell me more about her comment. She said, “I just don’t feel like people respect me so I want to earn more respect.” When I asked her specifically what behaviors she thought she needed to exhibit in order to earn respect, there was a long pause and she gave me a blank stare.

You’d be surprised how many times I go through this same “respect” discussion. So here’s the deal…respect is something you have to earn – it’s not something handed out free on a silver platter. If you want to earn respect then you need to ask yourself this question, “How can I change my behavior to earn more respect from others?”

Here are some of my personal suggestions for earning respect:

  • Use active listening skills – really listen and hear what people are saying.
  • Treat others with dignity and courtesy at all times.
  • Keep all your commitments – and never make a commitment you can’t keep.
  • Be patient with people; realize that most people want to do what’s right.
  • Treat others as they would like to be treated; in other words, learn to flex your social style so you can work better with others.
  • Don’t state your opinions unless you can back them up with data. And be sure you fully understand the situation before you comment on it.
  • Be sincere.
  • Be generous.
  • Be humble.
  • Be confident, but exhibit confidence without arrogance.

Sometimes I think we speed through life so quickly that we don’t take enough time to really hear other people. To do so takes the ability to be patient, generous with your time, and sincerely care about others. These are all behaviors that will lead to earning more respect from co-workers.

 

Read the original article.

Source:
Quast L. (27 February 2012). "R-E-S-P-E-C-T: How To Earn Respect At Work" [Web blog post]. Retrieved from address https://www.forbes.com/sites/lisaquast/2012/02/27/r-e-s-p-e-c-t-how-to-earn-respect-at-work/#164b42015749


With Below Average Cost, Increasing Enrollment, CDHPs Have Big Impact

According to the UBA Health Plan Survey, enrollment in CDHPs continues to grow in most regions. Receive information like this but customized to your business by taking our Benchmark Survey.


When most experts think of group healthcare plans, Preferred Provider Organization (PPO) plans largely come to mind—though higher cost, they dominate the market in terms of plan distribution and employee enrollment. But Consumer-Directed Health Plans (CDHPs) have made surprising gains. Despite slight cost increases, CDHP costs are still below average and prevalence and enrollment in these plans continues to grow in most regions—a main reason why it was one of the top 7 survey trends recently announced.

In 2017, 28.6% of all plans are CDHPs. Regionally, CDHPs account for the following percentage of plans offered:

Prevalence of CDHP Plans

CDHPs have increased in prevalence in all regions except the West. The North Central U.S. saw the greatest increase (13.2%) in the number of CDHPs offered. Looking at size and industry variables, several groups are flocking to CDHPs:

Regional offering of CDHPs

When it comes to enrollment, 31.5% of employees enroll in CDHP plans overall, an increase of 19.3% from 2016, after last year’s stunning increase of 21.7% from 2015. CDHPs see the most enrollment in the North Central U.S. at 46.3%, an increase of 40.7% over 2016. For yet another year in the Northeast, CDHP prevalence and enrollment are nearly equal; CDHP prevalence doesn’t always directly correlate to the number of employees who choose to enroll in them. Though the West held steady in the number of CDHPs offered, there was a 2.6% decrease in the number of employees enrolled. The 12.6% increase in CDHP prevalence in the North Central U.S. garnered a large 40.7% increase in enrollment. CDHP interest among employers isn’t surprising given these plans are less costly than the average plan. But like all cost benchmarks, plan design plays a major part in understanding value. The UBA survey finds the average CDHP benefits are as follows:

CDHP benefits

 

Read the original article.

Source:
Olson B. (7 December 2017). "With Below Average Cost, Increasing Enrollment, CDHPs Have Big Impact" [Web blog post]. Retrieved from address http://blog.ubabenefits.com/with-below-average-cost-increasing-enrollment-cdhps-have-big-impact

SaveSave


Top 10 Corporate Wellness Habits to Adopt During 2018

With the New Year in full swing, you may be considering how to turn your life around for the better -  drop pounds, kill unhealthy chocolate addictions, quit binging every Netflix season ever, etc... But what about making lasting habits within the workplace?

 

Too often, we make a list of resolutions, and we forget where we spend most our time. Work is work, but that doesn’t mean we can’t implement some of the changes we make in our personal lives in the workplace, as well.

 

Today, we thought we’d offer up 10 different ideas for employers (or for employees to offer to their boss) to try and implement within the workplace – from wellness challenges to recess. Try one, combine a few, or do them all! The best part about making resolutions is making them unique to yourself and your company. So, don’t be afraid to get creative!

  1. Offer healthy alternatives to traditional junk food items

 

Just a simple switch of snack foods in the office can cut unnecessary calories! Snacking on healthy items can make mindless snacking not so bad.

  1. Offer standing desks

 

This easy switch will be one of the new year’s trendiest wellness tactics. Select desk options that allow users to easily switch between standing and sitting while working to allow for better blood flow throughout the day.

PIXNIO - Image usage: Image is in public domain, not copyrighted, no rights reserved, free for any use.

  1. Try a wellness challenge

 

There’s nothing like some healthy interoffice competition to get people motivated. Select a wellness challenge that is easy and effortless to incorporate into your workplace. This could be a monthly or a weekly challenge, switch it up each month/week to keep things interesting!

 

  1. On-site yoga classes

 

Another wellness trend that will continue into 2018 is managing stress through yoga. Mindfulness and meditation offer a slew of benefits to help employees relieve stress. Invite an instructor to your office every couple of weeks to guide the team through a yoga class.

  1. Celebrate “Wellness Wednesday”

 

Make hump day something to celebrate and begin to tackle wellness in the office in a manageable way. One day a week can be a gateway to a much healthier lifestyle.

  1. Listen to your employees

Survey employees to find out what is working and what isn’t instead of wasting time and energy on things that aren’t engaging your employee population. Use a site like Survey Monkey or Google Forms to create a survey to collect feedback from employees.

  1. Participate in a 5K or other group fitness activities

Find a 5K in your community or choose another group fitness activity and cover the entry fee for anyone choosing to participate.

 

  1. Post signs near elevators and escalators encouraging employees to take the stairs instead

Sometimes just seeing this reminder is all the motivation needed to be a little more active!

  1. Schedule recess

Pick a 15-minute time of the afternoon for everyone to get away from his or her desk. Go outside, socialize with each other and enjoy some fresh air! Taking walks has also been shown to increase creativity.

  1. Reward volunteers

 

Pay your employees for any volunteer hours up to a certain amount or allot a certain amount of time each month for employees to get away from their desk and get active in the community. Ideas include volunteering at a local food bank or cleaning up a local park, beach, or trail. You’ll benefits from both team building and group physical exercise!

 

Give one or more of these ideas a try and if they work out for you, let us know! The important lesson here is to remember your work-life is just as important to better as your personal life. When it comes to New Year Resolutions, make sure they encompass every aspect of your life and definitely don’t forget to include your employees in your thoughts.

Stay healthy, have fun, and Happy New Year!

Health Resolutions You Can Stick To In 2018

 Picture: PA Photo/thinkstockphotos.
Picture: PA Photo/thinkstockphotos.
It has once again reached that time of year when we start to think of New Year resolutions to make and break. But do we ever really keep them?

We ask the experts which resolutions we should be making this year, and how we can actually stick to them.

Whether it's giving up smoking, exercising more, or getting our 5-a-day, most of us have usually given up before January ends.

But with a little help from the pros, you can live a happier, healthier life in 2018...

1. Drink more water

Health and fitness mentor Sarah-Anne Lucas (birdonabike.co.uk) says starting a daily ritual is the answer to New Year resolutions. She suggests drinking more water: "Water intake is massive. Most people do not drink enough, but what we'd all like is more energy. That comes down to what you put in, so increase your water intake. It's the first thing you put in your body in the morning. Go and get yourself a minimum of 100ml water and get it into you. To progress that practice, add lemon, to make the body alkaline. Lemon water is amazing, it also adds a bit of flavour."

2. Learn to meditate

Life-coach and mindfulness practitioner Dr Caroline Hough (aspiring2wellness.com) says we can train our minds to reduce stress, making us more likely to achieve our goals: "It involves sitting and meditating for 20 minutes. Bring yourself into the moment and be aware. That's an awareness of your external environment, so just looking at the flowers and the trees and the sunshine and appreciating it instead of rushing through life. Be aware of your internal environment, by noticing if you're very stressed, for example if you're clenching your muscles. We tend to live our lives at a level of stress which is unhealthy."

3. Start self-watching

Professor Jim McKenna, head of the Active Lifestyles Research Centre at Leeds Beckett University, advises we record our successes to motivate ourselves: "Whatever you want to do, whenever you achieve, write it down. You're trying to achieve it every day, so it needs to be nice and small, and all your job is then is to keep the sequence running. It's really as simple as that. What you're capitalising on there is positive self-regard, but also the fundamental process of self-watching. There's a lot of success in seeing your own achievements. When you collect all that up, you can start saying, 'Actually I've got nearly 10 occasions there when I did well, I'm doing well, I'm someone who can change'."

4. Look after your skin

Louise Thomas-Minns (uandyourskin.co.uk), celebrity skin therapist, recommends we pay more attention to protecting and caring for our skin: "Wash your skin nightly. Not removing make-up, daily dirt, oil, grime and pollutants from the skin every night will result in infections and outbreaks. Your skin regenerates at night too, so give it a helping hand. And don't pick! Picking at your skin will result in scarring and create more spotty outbreaks. Wear SPF every day to slow ageing and protect from the harmful effects of UV rays. Find out your skin type from a skin health expert, so you stop wasting time and money on incorrect products."

 

Read the original article.

Source:
Go Active (6 December 2017). "Health Resolutions You Can Stick To In 2018" [Web blog post]. Retrieved from address http://www.goactiveincumbria.com/get-started/other/article/Health-Resolutions-You-Can-Stick-To-In-2018-e9f9d40d-ca39-48ed-be2e-b2f88f4061eb-ds


9 things to leave off your LinkedIn

In our rapid-fire digital age, the Internet has completely revamped the way we traditionally look at recruiting. Resumes are sent as PDFs, online portfolios reign supreme, and LinkedIn has become the new Facebook for recruiters in every industry.

Wondering what you shouldn’t include on your LinkedIn profile in order to appear as marketable as possible to potential employers? Read on to find out.

1. Job titles that don’t say what you really do

When trying to describe your previous positions, it works to your advantage to be as precise as possible. That way, recruiters know exactly what your skillset is, and how it might fit into their company.

2. Your age

Unfortunately, some people have reservations hiring someone they think is either too young or too old. Don’t get knocked out of the running for a job by including school graduation years or other age identifiers.

3. Bad spelling, punctuation, and grammar

When writing up descriptions of your responsibilities in each job, take care to avoid punctuation, grammar, or spelling mistakes. Look at it as a test of your writing and communication abilities—highlighted for everyone to see.

4. A goofy profile photo

Unfortunately, some people don’t seem to realize that LinkedIn is not the place to put a goofy or odd profile photo—unless you’re looking for a job at the local comedy club. Spend a little money on getting a quality headshot that will impress those who see it, not make them wonder if you’re a serious candidate.

5. References from previous positions

There’s no reason to include references with phone numbers or contact information on your LinkedIn page. If an employer is really interested in hiring you, they’ll contact you for them directly. However, do encourage people you’ve worked with or for to leave recommendations for you on your LinkedIn profile page. They can really make you stand out from other candidates.

6. Salary or pay

One of the most unprofessional things you can do is include your salary for each position you held at various companies on your LinkedIn profile page. Unless you’re asked, it doesn’t make sense to disclose such personal information on such a public platform.

7. High school jobs

Unless you just graduated from high school, then jobs you had in high school (or earlier!) don’t belong on your professional LinkedIn page. While you may have enjoyed your summer job flipping burgers or mowing lawns, it’s not going to make much of an impression on someone who’s doing the hiring for a position with much greater responsibilities. It’s much better to put your best foot forward by showcasing standout roles in more recent jobs.

8. Personal information

Refrain from adding information about your ethnicity, religious affiliation, political party, or other potentially sensitive or controversial information. Regardless of how open-minded your recruiter may be, saying less is definitely safer than saying too much when you don’t know your audience.

9. Unprofessional posts or memes

Don’t forget that your LinkedIn profile and any posts you make on LinkedIn are potentially going to be viewed by the very person who is going to interview you for your dream job. What do your posts say about you? What about those funny memes (silly cat photos and so forth) that everyone seems to be passing around today? Will they make the interviewer even more excited to make you a job offer, or stay far away?

 

Read the original article.

 

Source:

Economy P. (4 December 2017). "9 things to leave off your LinkedIn" [web blog post]. Retrieved from address http://workwell.unum.com/2017/12/9-things-to-leave-off-your-linkedin/