Roger Kirtley, Wellness at Work Conference, June 14, 2010

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The Delaware State Chamber of Commerce held its inaugural Wellness at Work Conference on June 14. 2010.

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Roger Kirtley, Wellness at Work Conference, June 14, 2010

  1. 1. Wellness<br />
  2. 2. Market Overview<br />Average Health Insurance Premiums 1999-2009<br />$13,375<br />131% Premium Increase<br />$5,791<br />128% Worker Contribution Increase<br />Note: The average worker contribution and the average employer contribution <br />may not add to the average total premium due to rounding.<br />Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009.<br />2<br />
  3. 3. What is Driving the Costs?<br />Cost<br />Population<br />80%<br />10%<br />90%<br />20%<br />
  4. 4. What is Driving the Costs?<br />Cost<br />Population<br />30%<br />2%<br />8%<br />50%<br />90%<br />20%<br />
  5. 5. Health Risks<br />According to the CDC, chronic diseases are the most common and costly of all health problems, but they are also the most preventable. <br />Four common, health-damaging, but modifiable behaviors - tobacco use, insufficient physical activity, poor eating habits, and excessive alcohol use - are responsible for much of the illness, disability, and premature death related to chronic diseases.<br />We are doing it to ourselves<br />
  6. 6. Health Risks<br />For every 100 employees in America<br />25 smoke<br />17 Binge Drink<br />10 have depression<br />9 have diabetes<br />8 have had a heart attack or stroke<br />
  7. 7. Health Risks<br />For every 100 employees in America<br />77 Have poor nutritional habits<br />68 do not exercise regularly<br />59 are overweight or obese<br />34 have high cholesterol<br />
  8. 8. Cancer Screenings*<br />Cervical cancer screening rate: 79.3%<br />Colon cancer screening rate: 42.2%<br />Prostate cancer screening rate: 57.6%<br />Breast cancer screening rate: 54.9%<br />The cost to treat breast cancer:<br />Early stage: $25,000<br />Late stage: $125,000<br />*American Cancer Society<br />
  9. 9. Wellness Options<br />
  10. 10. Answer = Risk Management<br />
  11. 11. Wellness Options<br />Encourage strong relationship with Internist<br />Health Risk Assessment<br />Biometric Screening<br />Smoking Cessation<br />Biggest Loser Contest<br />Financial Incentives<br />
  12. 12. How a company’s approach to health impacts it’s costs<br />
  13. 13. Lyons Companies<br />One of the largest independent brokers in the region<br />Full Service Consulting/Insurance Brokerage for Property & Casualty and Employee Benefits<br />Traditional / Alternative Funding / Captive Programs<br />Partner in Assurex Global<br />Represented by 20,000 professionals in over 500 offices around the globe<br />Committed to bringing innovative & strategic solutions to the marketplace.<br />
  14. 14. Health Care Reform<br />Thank You!<br />For more information visit<br />www.lyonsinsurance.com<br />Roger D. Kirtley<br />Risk Management Advisor<br />(302) 472-2955<br />rkirtley@lyonsinsurance.com<br />

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