Wellness in the Workplace: Changing employee Behavior Can supervene in Reduced Benefits Costs

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There are two great, unsettling facts that currently cloud the U.S. Business community: the first is that the cost of health Care has increased over 131% in the last ten years (source: Kaiser house Foundation), and the second is there are no signs of this trend ever slowing down much less reversing. With the impact of the health Care Reform bill only 2 ½ years away, many associates are looking for an reply to the expanding financial burden of offering group medical benefits to their employees. Manufactures analysts evaluation the increase in advantage costs for the year 2014 will mean an added 25% over current rates as millions of the uninsured - and previously uninsurable - will be obtaining health care coverage as part of The health Care Reform Act. According to The Centers for Medicare and Medicaid Services the cost for each person's health care will rise from the 2009 shape of ,160 to ,100 in the year 2018.

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A major factor in rising benefits costs is the over-utilization of health care services, which in turn is driven by an epidemic of poor health across the country, as seen by a dramatic increase in citizen obesity levels. In 1985, the division of Americans who were categorized as obese was less than 10%; in 2008, According to the town for Disease Control, that shape is more than 33%. As a result, the U.S. Is looking an upswing in persisting Diseases such as Diabetes, Stroke, Cancer and Heart Disease in direct proportion to the rise in obesity figures. Individuals who are obese or considerably overweight are also more likely to miss work due to doctor and hospital visits than wholesome individuals, and are using more sick days per year. The loss in productivity for U.S. Businesses due to unhealthy workers is predicted - over Billion each year According to a 2010 Duke University study.

In an exertion to stem this productivity loss and ever expanding cost of group medical benefits, businesses are turning more toward Employer-based Wellness Programs. Designed to sacrifice the over-utilization of health care services and create a healthier workplace environment, Wellness Programs have been shown to be an sufficient solution. Studies have shown that associates that implement workplace wellness initiatives can see measurable, unavoidable effects in the form of increased productivity, reduced absenteeism, less employee turnover and short-term disability claims. In addition, employers are experiencing an increase in employee loyalty and a strengthening of Business values and culture. The workers advantage as well, as associates who encourage their employees to share in wellness plans see good employee health, greater morale and fewer workplace accidents.

Effective Wellness Programs are those that are customized for the needs of each company's workplace although there are proper elements gift in most Wellness platforms. These include: study and normal health awareness; weight loss; a focus on nutrition and fitness; stress management; and, substance abuse data and counseling including aid with tobacco addiction. Historically, a lack of participation in programs like these has resulted from not tailoring the initiative to the workplace. Using employee surveys, for example, to uncover interests and incentives, will help insure a level of participation that attains meaningful results.

What is also known about Wellness Programs is that unless there are unavoidable elements in place, these well-intended initiatives will not always furnish the many effect. As a host of recent studies indicate, a Business can expect a nearly 6-to-1 savings-to-cost ratio after two years of speculation when implementing such a program but, that program must be adequately funded. There should also be in place the total preserve (and participation) of senior management. Leading by example will help participation grow and the desired results - a healthier, happier workforce, fewer medical claims and greater productivity - are more likely to occur.

In summary, the dark clouds continue to gather over the health Care horizon and as the situation continues to worsen, many businesses are discovering that doing nothing is no longer an option. Unhealthy employee behaviors drive up benefits cost. Without a change in behavior, there can be no revising in health expense. Businesses are also studying that sufficient wellness and productivity programs save money - considerably more money than they cost. As the old saying goes, "an ounce of stoppage is worth a pound of cure."

About Tevis insurance Solutions:
Tevis is an insurance Brokerage in Roseville, California that specializes in group medical employee benefits. They also offer voluntary benefits, alternative funded programs and consulting services.

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