Archive for January 31, 2009

Corporate Wellness Program: Maintaining Motivation and Interest

Once you start a program you will have a range of employee members. Some will already be very engaged in being active and eating well and your program will only reinforce and enhance their health. On the other end of the spectrum will be employees who may not engage no matter what you do.

The remaining group is probably the largest group in most employers: employees who are at various stages of readiness to improve their health given the right type of programming and motivation. Summarized below are some tips you may want to employ once your program is up and running.

Key Factors in Corporate Wellness Program

In today’s society there are many key factors that influence people’s health behaviors. Look at the following list in maintaining participation in your program:

  1. 1. TIME. Staff members are busy, so the more you can work activity and healthy eating into their existing schedules, the better your chances for success. Example: A walk during lunch doesn’t take away from existing time, it just uses it differently. Also look at the time of the day and length of any activity you might be promoting, since both time components may be factors.
  2. ACCESS. How accessible is your Corporate Wellness Program. Is it onsite or at a nearby site? Do you offer access at breaks or outside of normal work hours?
  3. KNOWLEDGE. Staff members need to know “Why” they are taking part in (the benefits) and also will need information about the “How to” in areas that are not commonly known.
  4. COST. Make sure that you can provide no cost or reduced cost Corporate Wellness Programs will help participation rates. Coupled with incentives for participation, rates of participation will likely increase dramatically.
  5. INCENTIVES. Some employees need incentives to get started in a Corporate Wellness Program. A full list of Corporate Wellness Program incentive options can be on the website.

Key Time Periods in Corporate Wellness Program

Good habits are often difficult to develop. There tends to be some critical times when employees drop out or fall off of a physical activity or diet program. The first key time zone seems to be around 6 weeks. If employees can start and stay consistent with a program through the first 6 weeks, they have made a fairly serious commitment to incorporate the habits into their lifestyle.

The second key time is at about 6 months. Those who made it past 6 weeks may get bored and/or distracted from their program after several months. If employees can get past 6 months and sustain behavior through a full set of weather seasons, they have a very good chance of making the changes permanent.

Look at these time periods and think about how you can “boost” your staff members to get them past these critical time markers. Promoting individual or group “challenges”, using incentives, or increased publicity/marketing are a few of the things you can do to help get your staff members through these key time periods

Goal Setting for Corporate Wellness Program

Setting goals has been shown to lead to better participation and more employees making a strong commitment. Whether it be a team goal of walking the equivalent of once around your state or an individual goal of so many miles or minutes of activity, the fact that there is something concrete to shoot for increases the likelihood employees will stick with the program.

Buddy Systems or Team Goals for Corporate Wellness Program

The social aspects of improving one’s health cannot be underestimated. Many studies point to tight social groups being the backbone for a successful campaign because each individual has a commitment to something bigger than themselves and besides, it’s just more fun for most employees. Build your program around some type of teams or partners and see what happens.

Team “Campaigns” for Corporate Wellness Program

Some employees like competition and others don’t. Nevertheless, a worksite wide campaign has the advantage of keeping the message more visible and alive. Encourage campaign participation, but make it voluntary so that those who prefer that type of motivation can join while others can participate in their own way and at their own pace. If the idea of a campaign seems like too much work, consider tapping into existing campaigns where someone else provides resources for you.

Incentives for Corporate Wellness Program

Incentives are often helpful in maintaining or raising interest. Significant incentives such as cash or health insurance rebates have proven to be very strong motivators for employee participation. However, even smaller incentives can be beneficial. Listed below are some sample incentives:

  • Achievement awards. Verbal praise and a pat on the back are motivational to some, but a token of recognition of achievement may offer more. A colorful certificate to congratulate an employee for achieving a health-related goal is one example.
  • Public recognition. Announced recognition at campaign mid-point or wrap-up festivities.
  • Food. Include some healthy foods to kick-off, revitalize or wrap up a wellness campaign.
  • Entertainment. Events serve a purpose in jump-starting, reenergizing or wrapping up a campaign. Having entertainment of any kind can boost morale.
  • Merchandise. There is a long list of merchandise incentives, including sports equipment and small gift certificates to use at local merchants.
  • Monetary rewards. Nothing says incentive better than cash. Worksites that have used cash or rebates as an incentive have shown much higher participation rates.
  • Time off. Maybe the next best incentive to cash, or for some employees even better. This type of incentive makes good business sense if the number of absences drops significantly and attendance is used as one of the criteria.

Why Wellness?

There are a number of reasons why Corporate Wellness Programs are beneficial.

  1. Improved Morale – When the organizational culture begins to change as a result of your health promotion efforts, you and your staff members may actually begin to see and feel a new level of energy within the business. Ultimately, one of the most ambitious goals of any broad-based health promotion program is to attempt to influence the attitudes and actions of the organization’s most valuable resource — its staff members.
  2. Reduced Turnover – As we all know, employee replacement costs can be quite high for any kind of business. The effort and expense associated with running employment ads, reading applications, checking references, interviewing qualified candidates, hiring and training a new employee can be a serious burden on any business. In light of the challenges that high employee turnover pose, many employers are looking to health promotion programs as an additional perk that can help to prevent staff members from jumping ship.
  3. Increased Recruitment Potential – In the midst of a very tight labor market, employers are forced to pull out the stops in order to recruit new talent. In some instances, health promotion can prove to be a very valuable tool in sealing the deal.
  4. Reduced Absenteeism – When an employee misses work in a business setting, the entire organization is forced to absorb his/her responsibilities. Even in the event of the occasional absence caused by things like colds and the flu, work can back-up and tensions can build. Even worse is a long-term absence caused by a major health event that requires hospitalization and/or rehabilitation. By preventing certain types of illness caused by poor lifestyle habits, health promotion programs can play an important role in reducing absenteeism.
  5. Health Care Cost Containment – Most employers don’t start a health promotion program with cost containment in mind. However, cost containment for certain health problems should be considered a viable goal by many employers.
  6. Improved employee Health Status – One of the greatest advantages of a well-designed health promotion initiative is the promise of improved health. There is a growing body of evidence that suggests well-designed health promotion initiatives can successfully impact such behaviors as tobacco use, high-risk alcohol use, and more.

Corporate Wellness Programs: Focus on Health Education Activities

1.    Have a current policy outlining the requirements and functions of a broad-based Corporate Wellness Program.
2.    Have a wellness plan in place that addresses the purpose, nature, duration, resources required, members in, and expected results of a Corporate Wellness Program.
3.    Orient staff members to the Corporate Wellness Program and give them copies of the physical activity, nutrition, and tobacco use policies.
4.    Promote and encourage employee participation in the physical activity/fitness and nutrition education/weight management program.
5.    Offer health education information to staff members.
6.    Have a committee that meets at least once a month to oversee the Corporate Wellness Program.
7.    Offer regular health education presentations on various physical activity, nutrition, and wellness-related topics. Ask voluntary health associations, medical providers, and/or public health agencies to offer onsite education classes.
8.    Host a Health and Wellness as a kick-off event or as a celebration for completion of a wellness campaign.
9.    Designate specific areas to support staff members such as diabetics and nursing mothers.
10.    Conduct preventive wellness screenings for blood pressure, body composition, blood cholesterol, and diabetes.
11.    Offer confidential Health Risk Assessments.
12.    Offer onsite weight management/maintenance initiatives for staff members.
13.    Offer weight management/maintenance, nutrition, and physical activity counseling as a member benefit in health insurance contracts.

Where to Start with Corporate Wellness Programs

Ten Steps Toward Strategic Corporate Wellness Programs

The Corporate Wellness Program management world is evolving rapidly. Each month, there are new research findings that support the premise that Corporate Wellness Programs and disease management have a long-term impact on medical costs.

Many large employers that started Corporate Wellness Programs three to five years ago are showing savings in health, disability, and workers compensation costs. Small to mid-size employers are watching all this and wondering where to start with wellness.

Getting senior management support and budget approval is one of the challenges at the beginning of a Corporate Wellness Program. This is the case because Corporate Wellness Programs can be expensive, averaging $150-300 per employee per year in large employers.

Most of the savings are not realized for a number of years. This long-term investing is hard for employers on the move.

The key to success for Corporate Wellness Programs is to take a strategic approach. Here are ten steps to consider when starting a Corporate Wellness Program.

  1. Start with senior management. Without senior management support, a health promotion strategy can fall flat. Start with the health of your executive team and discover your wellness champions at the top of the business.
  2. Analyze the problem. Look at your medical claims and analyze the trends. Which conditions are driving your medical, disability, and workers’ compensation claims and which are modifiable? What’s worked and what hasn’t thus far? What is the long-term impact of doing nothing?
  3. Hold an initial wellness meeting. Invite your key stakeholders both inside and outside the business. Ask your broker to facilitate the meeting and invite key health vendors including health, disability, Employee Assistance Program (EAP), fitness, and occupational nursing. Review claims and utilization information and identify key areas of concern. Look at current offerings and see how they can be tailored to the needs of the population.
  4. Look at both healthy and unhealthy staff members. Since 85 percent of claims are usually attributed to 15 percent of claimants, it is essential to reach those with the most costly conditions while also reaching employees who are at risk for developing preventable diseases in the future. Voluntary Corporate Wellness Programs such as lunch and learns wellness seminars miss many of the employees who need them most. Look at initiatives that are population-wide or target intact workgroups. Wellness incentives help but do not motivate everyone.
  5. Set short-term goals for the Corporate Wellness Programs. Set some realistic short-term goals based on your key areas of concern. Are there any plan design changes that could have an immediate impact on spending? Are there some programmatic actions that could have immediate results?
  6. Determine what staff members are thinking. Hold some focus groups to determine where employees are with wellness. What’s working? What isn’t? How much interest do employees have in the Corporate Wellness Programs? What obstacles and barriers are staff members experiencing when they try to change behavior?
  7. Make sure you have a high-impact Employee Assistance Program (EAP). Your first wellness dollars should go into upgrading your Employee Assistance Program (EAP). A highly utilized Employee Assistance Program (EAP) can provide a foundation for all of your future wellness activities. A good Employee Assistance Program (EAP) is a trusted link to the hearts and minds of staff members. At no additional cost, the Employee Assistance Program (EAP) can provide needed follow-up coaching and personal attention for staff members who are working on modifiable health behaviors or involved in disease management initiatives. Nutritionists, fitness, pregnancy, and stress management specialists are all part of a high-value Employee Assistance Program (EAP).
  8. Set three to five year goals for medical savings and measure them. Get help from your broker and insurance carrier help you on long-term goals for your health, disability, and workers compensation plans. Establish program metrics that will help you to measure ROI. Go beyond participation rates, completion rates and program satisfaction. Measure changes in readiness, changes in behavior, and changes in risk factors. Establish rigorous methods to measure medical savings over the long term.
  9. Set goals for organizational health. Look at the more intangible benefits of a wellness initiative and quantify them whenever possible. Include employee turnover rates, cost of new hires, employee morale, benefit satisfaction information, and employer of choice issues in setting goals. Establish ways to measure success in these areas.
  10. Add specifics to your short and long-term plan. Include a Corporate Wellness Program strategy, a communication strategy, and a Corporate Wellness Program incentive strategy that will fit with your corporate culture. Focus on integration of related components along a health continuum with communications that are focused, simple, and human. Establish a budget that includes key components such as consumer education, health promotion, health risk assessments, and regular biometric screens.

Benefits of Corporate Wellness Programs

Corporate Wellness Programs are crucial to improving the health of our nations. Most adults spend more of their waking hours at work than anywhere else, making it a excellent venue for promoting healthful habits. The worksite organizational culture and environment are powerful influences on behavior and this needs to be put to use as a means of assisting staff members to adopt a healthier lifestyle. Benefits to Corporate Wellness Programs include:
• Weight reduction
• Improved physical fitness
• Increased stamina
• Lower levels of stress
• Increased well-being, self-image and self-esteem

Employers can also benefit from Corporate Wellness Programs. According to recent research, employers’ benefits are:

• Enhanced recruitment and retention of healthy staff members
• Reduced medical costs
• Decreased rates of illness and injuries
• Reduced employee absenteeism
• Improved employee relations and morale
• Increased productivity

A U.S. Department of Health and Human Services report revealed that at worksites with physical activity initiatives as components of their Corporate Wellness Programs have:

• Reduced medical costs by 20 to 55%
• Reduced short-term sick leave by six to 32%
• Increased productivity by two to 52%

Thanks to modern medicine, life expectancy for Americans has continually increased. How much we enjoy these additional years, however, depends greatly on how we have lived our lives. If our quality of life is to remain high so that we can fully enjoy these extra years, we must practice good eating habits, be active and refrain from using tobacco products.

Corporate Wellness Programs

Who needs Corporate Wellness Programs? If you work in an office or a worksite or are a member of an business who spends a considerable amount of time at work, you will benefit from a well-designed worker Corporate Wellness Program. Employees spend a minimum of about 200 hours a month at work – a considerable amount of time.

Furthermore, stress, distractions and the pressures of the job can take its toll on the employee, which makes it important that a Corporate Wellness Program is implemented. Today, all across America, Canada, Europe and Asia, top Corporate Wellness Programs are being used to help improve employee conditions at work and reduce the cost of worker medical.

Some of the top Corporate Wellness Programs currently in use today include:

<h3>Health Risk Assessments (HRAs)</h3>

Health Risk Assessment is a top Corporate Wellness Program currently in use globally. Organizations that implement it determine the safety and health concerns of workers by the assessment of appropriateness of the facilities and equipment against the needs of the staff members.

It can, for example, guide the business into determining how much air quality within an office room affects the users and then help the assessment team to come up with the measures necessary to correct the problem. An HRA can also evaluate the level of exposure workers have to certain hazardous or dangerous materials and practices.

<h3>Immunizations</h3>

This isn’t always practiced in every country since there are regions where government sponsored immunization shots are available. However, it has also become an important component of the top Corporate Wellness Programs in many employers in North America.

Immunization, flu shots, such as those used to combat flu, for example, are offered to workers for free.

<h3>Employee Assistance Programs (EAPs)</h3>

Employee Assistance Programs (EAPs) consist of a wide variety of services. It can range from providing educational resources to staff members regarding health issues to sponsoring health services and medical care. In many employers, medical and insurance have also become a staple part of their benefits system.

<h3>Weight Management Programs</h3>

This is another Corporate Wellness Program that employers use, particularly those that offer in-house commissary or cafeteria services. Instead of serving richer, high-calorie fare, cafeterias offer options for a healthier diet, usually in the form of low-calorie foods and sugar substitutes.

<h3>Employee Wellness Newsletters – Health Education Programs</h3>

One of the top Corporate Wellness Programs that employers can implement is a self-powered tool using a newsletter to promote wellness, coupled with a visible campaign. The campaign may be done periodically and focus on a specific topic, such as tobacco use hazards, cancer, stress, carpal tunnel syndrome, safety in the workplace, etc.

The newsletter in itself can be an effective means to deliver information to staff members or members of an business but it is far from perfect. Some staff members, for example, may not read the newsletter in its entirety or even pay attention to it. If the issues outlined in the newsletter are promoted through an active and highly visible campaign, it will be easier to maximize positive results.

<h3>Physical Fitness and Exercise Programs</h3>

Another top health promotion program for employers is one that involves physical activities. Companies often sponsor physical fitness-related events such as marathons and business sports initiatives to encourage staff members to remain fit or lose excess weight. In mid- to large-sized employers, employers may even pay for gym memberships or in-house physical fitness facilities.

<h3>Corporate Wellness Program Incentives</h3>

Some of the top Corporate Wellness Programs implemented by employers involve incentive rewards. This involves business-sponsored initiatives that reward staff members for achieving specific wellness goals. Participation in health campaigns and signing up for Corporate Wellness Programs are two of the most commonly rewarded schemes. Rewards can range from special recognitions to points (for bigger rewards) to specific gifts. In a few cases, cash may also be used.

However, incentive systems have had mixed reactions and levels of success. But it continues to be one of the top choices among employers who are willing to modify it in order to fit their unique needs.

<h3>Group Activities</h3>

In many employers, employers take advantage of peer pressure in order to encourage workers to participate in Corporate Wellness Programs. This is currently one of the favorite worker Corporate Wellness Programs currently in use today and growing in popularity. Peer pressure is often leveraged to help promote competitions and to persuade staff members to be active in business-sponsored health fairs.

Corporate Wellness Programs – The Good and The Bad

Corporate Wellness Programs at the corporate level are beneficial, right? Wellness statistics clearly show that such Corporate Wellness Programs are not only cost-effective to the organization but can assist the employee in developing a healthier lifestyle. With the rising cost of medical, Corporate Wellness Programs simply make sense. So where does the problem come in? Let’s examine the topic from both perspectives.

<h3>Corporate Wellness Programs: The Good </h3>
• A sampling of ROI for Corporate Wellness Programs: Bank of America: 600 percent; General Motors:370 percent; Pepsico: 300 percent; Citibank: 465 percent; and the Washoe County School District leading the pack at a whopping 1,560%. (Campbell,J., Wellness Improvement Experts, www.wellnessimprovementexperts.com, Albuquerque, New Mexico.)
• Companies with Corporate Wellness Programs have realized a 28 percent reduction in sick leave, a 26 percent reduction in adjunctive medical costs and a 30 percent reduction in disability and workers compensation costs. (Health Affairs, Volume 21, No.2, March, 2002.)
• The Washoe county School District in Northern Nevada realized a $15.60 ROI for every dollar spent due to a 20 percent reduction in absenteeism. (Hardy,A. (2005). At the Top Of The Class. WELCOA’s Absolute Advantage Magazine, 5(1), 14-20.)
• Corporate Wellness Programs provide the structure, encouragement, incentives and ongoing support that many people need in order to make lifestyle changes.
• Employees also realize returns on their efforts. FiServ, a financial services technology business, gave staff members who filled out a health risk assessment a significant discount on their health insurance premium. (Holland, Kelley, The New York Times, July 22, 2007.)

<h3>Corporate Wellness Programs: The Bad</h3>
The flip side of the argument centers on basic human rights. Do we want/need our employer to tell us to eat our veggies or lose 30 pounds? Some employers are doing just that and at least one lawsuit has resulted because of it.
• Three hundred employers have requested assistance from a national employment and labor law firm to institute more aggressive Corporate Wellness Programs.(Cornwell, Lisa, Associated Press, Albuquerque Journal, September 10,2007.)
• Clarian Health, based in Indianapolis, Will begin reducing employee paychecks by $10.00 for every employee who has a Body Mass Index (BMI) of greater than 29.9 because not enough staff members were utilizing their wellness services.(Cornwell, Lisa, Associated Press, Albuquerque Journal, September 10,2007.)
• Scott Rodrigues filed a suit against his prospective employer, Scotts Miracle-Gro, because he believed the business’s antitobacco use policy violated his civil rights. The business has a policy against hiring staff members who smoke and Mr. Rodrigues’drug screen was positive for nicotine.(Holland, Kelley, The New York Times,July 22,2007.)
• employee advocates are concerned that health discrimination may not be covered under the Americans with Disabilities Act.(Cornwell, Lisa, Associated Press, Albuquerque Journal, September 10,2007.)

Penalizing staff members by hitting them where it hurts the most,their pocketbook, does not appear to be a favorable approach to molding human behavior.
Such tactics may result in increased resentments and retaliation, primarily in the form of absenteeism and presenteeism (decreased productivity on the job.) Voluntary, incentive-based initiatives, such as the one in the Washoe County School District, can and do produce results. A positive attitude on the part of management along with an opportunity for staff members to have a stake in the decision-making may yield the greatest dividends to both employer and employee.The motivation and resolve needed to change unhealthy lifestyle habits can best be derived from the basic tenets of encouragement, respect and support.

Health and Wellness Planning Guide

Getting Started – Secure management support
• Justifications for having a Health and Wellness
• Health risk assessments
• Help for high-risk population: smokers, obese staff members
• Early detection of diabetes, heart disease risk factors (high cholesterol, high blood pressure)

Health and Wellness Participation – Identify your audience
• Employees only, whole family, retirees?
• Community involvement? Theme?

Health and Wellness Time Line
• Set a date and time Allow 4-6 months of planning time

Health and Wellness Planning
• Identify health-related screenings, tests, other activities you’ll offer Identify educational literature and other learning opportunities Health and Wellness will provide Include any “fun” activities, or food/beverage needs for the fair

Health and Wellness Location & Logistics
• Look at location big enough to accommodate the largest volume of employees at “peak time” periods
• Determine how booths/stations will be set up

Health and Wellness Vendors
• Target relevant health/safety-related community and corporate vendors to provide services, educational materials, incentives and giveaways

Health and Wellness Marketing
• Determine marketing tools to be used to inform staff members/members (posters, mailings, e-mail)
• Determine any incentives or giveaways that will be included in the fair or used to encourage participation in the fair

Health and Wellness Scheduling
• Coordinate timing and events with staff and/or volunteers

Health and Wellness Personnel
• Schedule appropriate experts Physician or similar medical personnel to provide patient consultation for review of blood draw lab results
• Nurse(s) to administer vaccinations
• Administrative/all-purpose individual to facilitate paper work, finger sticks and to provide general assistance
• Pharmacist or pharmacist assistant if appropriate Dietitian for nutritional counseling suggested personnel designated for health fairs

Footnotes

1 The Robert Wood Johnson Foundation via Reuters Health E-Line.
2 Kaiser Daily Health Policy Report, (9/11/03)
3 www.cdc.gov/nccdphp/dnpa/press/archive/lower_cost.htm
4 “Is Stress Nibbling Away at Your Bottom Line?” By Stephen Alper, Nov. 15, 2002.
5 Health Promotion in the Workplace, Michael P. O’Donnell, page 415.
6 http://www.bmpcoe.org/bestpractices/internal/dayto/dayto_6.html

Worksite Wellness Program Incentives

According to Gordian Health Solutions, the effectiveness of Corporate Wellness Programs in improving health and reducing medical costs is directly linked to incentives: the more substantial the incentives, the higher the success rate. Incentives can range from tokens of achievement, such as t-shirts, water bottles and sports equipment, to more substantial financial awards, such as cash incentives or copay vouchers for the successful completion of a program.

Nationwide Insurance is seeing results from a small incentive program initiated by one of the business’s onsite nurses. To encourage lunchtime walking, the employee has informally launched a “shoelace program” modeled after the karate-belt color system. Employees progress through the color scale until they reach “black-lace” status. The reward system has resulted in more staff members making commitments to walk during their lunch hour.

At the high end of the reward spectrum, some employers pay cash to staff members who meet wellness goals. LuK, Inc. offers staff members $250 for kicking the tobacco habit and remaining smoke free for 12 months. For logging fitness points that add up to 10 miles a month, staff members are eligible for health assessments, which can result in reward amounts of up to $225.

The most effective motivator, according to Gordian research, comes through linking participation in Corporate Wellness Programs directly to insurance premiums. Doing so clearly demonstrates to staff members the positive effects of wellness on their own medical costs. often, the first step in linking wellness programming to insurance coverage is lowering deductibles for wellness care or eliminating deductibles altogether. By adding this benefit, employers can encourage staff members to undertake routine screenings and other procedures to respond to health problems before they become chronic. Early detection benefits both patient health and employer health costs.

<h3>Incentivizing Corporate Wellness Program participation with medical credits</h3>

More frequently, employers are going beyond increased wellness care coverage and looking to demonstrate the importance of wellness by linking participation to staff members’ bottom lines. Worthington Industries has recently rolled out a program that allows staff members to eliminate their portion of the insurance premium by enrolling in a Healthy Choices Corporate Wellness Program.

During the first year of the Healthy Choices program, staff members and their spouses complete Individual Health Assessments and medical screenings to determine their levels of health risks. Nurses, dietitians and physical fitness specialists are available to help moderate- and high-risk members develop individual action plans for improved health through the use of educational materials, behavior modification, telephone help from third-party program health coordinators, and formal health management initiatives. By completing the assessments, staff members earn their full premium credit. Because some plans at Worthington require no employee contribution, a cash award takes the place of a credit in those cases.  During year two of the program, the wellness bar is raised slightly. To continue to receive the wellness credit, members in the moderate- to high-risk category will be required to work at setting goals with third-party health coordinators.

Year three raises the bar again, requiring members to show progress in meeting goals and to continue to work with health coordinators to reach goals.

After year three, Worthington Industries staff members will be on the wellness track. The business believes that will mean a healthier workforce and cost savings for staff members and the business. The well being of Worthington staff members is the foundation of this program, and both staff members and the company are expected to benefit from the long-term advantages of the Healthy Choices Corporate Wellness Program.

While Worthington has taken a broad approach to wellness, other employers have found success in offering incentives in specific areas. Longaberger, for example, offers a discount on medical policies for staff members who do not use tobacco. An individual employee who doesn’t use tobacco saves $7 per bi-weekly pay. For tobacco-free staff members with family coverage whose families are also tobacco-free, the savings increases to $14 per pay.

<h3>The next step: Penalizing harmful behaviors</h3>

As it stands, medical is the only type of insurance that doesn’t focus on penalizing for behaviors that put the insured party at risk. With medical costs rising so dramatically, that could soon change. Just as an accident likely raises auto insurance premiums, increasing premiums for those who engage in unhealthy behaviors is a possible next step in employers’ attempts to manage medical costs.

Reports that staff members would support this type of action are stacking up. One Ohio employer conducted an informal survey that indicated staff members would consider it a morale boost if health-conscious staff members were relieved of some of the burden of subsidizing care for staff members who engage in behaviors that adversely affect their health. Whether or not this type of program gains popularity, one thing is sure: the need to control the rise in medical costs is becoming ever more pressing.

<h3>Take the first step</h3>

Whatever the strategy, from offering staff members health resources to providing incentives for healthy behaviors, employers have a real opportunity to improve morale and productivity, reduce absenteeism and control medical costs through wellness. The first step is committing to taking one, no matter what size effort is appropriate for your organization.

Big strides start with small steps.

Corporate Wellness Programs: Focus on Injury Prevention

Preventing injuries is a high priority for employers, especially in factory settings such as Honda. That’s why the business offers several initiatives—including line-site process evaluations —to identify potential hazards and help reduce the chance of injury. As part of an early intervention program, Honda staff members who are feeling pain can receive a massage of the affected area during work time.

Stretching initiatives are another effective tool in injury prevention. According to the Best Practices in Manufacturing Web site, Dayton Parts, Inc. (DPI) in Harrisburg, Pa., conducted research that revealed approximately 80% of all manufacturing injuries occurred within the first two hours of each shift. After implementing a program that required production staff members to stretch for 10 to 15 minutes at the beginning of their shifts, they saw a dramatic reduction in injuries.

While the DPI Corporate Wellness Program costs about $75,000 a year to operate, in conjunction with other business initiatives, it has helped bring the annual cost of workers’ compensation from $700,000 to $200,000 per year.6

To help prevent lengthy absences and reduce workers’ compensation claims, Honda instituted a work recovery program. Through the program, workers who have had an injury can work in a modified job—getting better. Employees in the program spend their work days receiving physical conditioning to increase overall fitness, physical therapy to restore functionality, health education and nutrition counseling. The program is based on information that shows fewer work days are lost when an employee stays connected to the work environment.

The Ohio Bureau of Workers’ Compensation, www.ohiobwc.com, provides a “10-Step Business Plan” as a guide for employers in providing Corporate Wellness Programs that aim to reduce injuries. The plan includes information on safety and health initiatives to prevent occurrences of on-the-job accidents, including:

employee involvement – To ensure the success of any Corporate Wellness Program, staff members must participate in the safety and health-management process. This can be done through safety and health audits, accident investigations, or by forming safety and health involvement teams, focus groups or committees.

Orientation and training plan – Conduct orientation and training sessions to educate staff members on the business’s safety policies. These sessions should include procedures for the safe use of machinery and tools, chemical hazards and how to prevent contact or exposure, specific job/task safe practices, and hazard recognition and prevention.

Communication – Open communication keeps staff members informed and provides suggestions and feedback on the effectiveness of the Corporate Wellness Program. Through memos, bulletin boards and staff meetings, important safety and health information can be conveyed throughout the organization, keeping all management staff and staff members knowledgeable about the business’s safe practices.

The business plan also outlines incentives for post-injury procedures, including:

Medical treatment and return-to-work practices – arly return-to-work strategies help injured or ill workers return to work in a timely manner. Companies should establish a disability management policy to help injured or ill staff members obtain quality medical treatment, making their transition back to work quick and effortless.

Timely notification of claims – Employers should document workplace injuries immediately after they occur and promptly send that documentation to a claims handler. Quickly providing claim information demonstrates care and concern for the injured employee, prevents delays and confusion with the claim process, and reduces the potential for abuse or needless litigation.

Record keeping – Internal documents should be kept to record work-time injuries and to assess the success of the business’s safety efforts. Business audits, surveys and injury or illness reports can all be used to analyze which safety practices and policies have proven successful, and what areas of health and wellness need improvement.