Indiana wellness tax credit worksite wellness - c2 your health llc - cindy cohen rn

Health-E 4 Life is a division of C2 Your Health LLC

www.CindyCohenRN.com

In the poem "An Ambulance Down in the Valley." by Joseph Malens
(1895) describes a debate about what is the best way to deal with the
problem if they had people falling off this cliff high above the city –

The solution was to:
 1) to raise funds to build a fence at the top of the cliff, or

 2) to park an ambulance down in the valley for it to efficiently haul
people off to the hospital.

A lot of the people asked, "Why build a fence? We've always had an
ambulance in the valley and it worked very well. Why should we
raise more funds to build a fence?“ A wise man said “an ounce of
prevention is worth a pound of cure.”


The average person goes to the doctor’s office
4 times per year.
Maybe this is you?

1 doctor visit is $174*
4 doctor visits per year
adds up to
$696 per year

* Average cost per visit


On average your doctor writes you
12 prescriptions per year. It may seem like a lot
however when you factor in antibiotics, high
blood pressure medications and such you can see
how it might add up.

1 prescription is $54.34*
12 prescriptions per year
adds up to
$652 per year

* Average cost per prescription


The average number of over the counter (OTC)
medications used in one month is 3.
Seem like a lot? Cold, flu, cough, headache, allergy,
indigestion, constipation … you?

3 OTC medications per
month is $30*
36 OTC medications per year
adds up to
$1,080 per year

* Average cost per medication $10.00


How much money does it cost you to miss work?
Do you miss a day of pay,
use up your paid days off and
get behind schedule?

The average person misses 8 days of
work due to either their illness or
their children.
What’s a day of pay worth to you?
Wage$$ = ??


4 doctor visits/year 12 Rx/year 36 OTC Meds/year
$174 = $696 $54.34 = $652 $30 = $1,080

$2,428 per year
You’ve saved
8 Missed days of work
Wage$$ = ??
or spent not
counting your
Saving on your
wages medical bills is
like having a
part-time job!

Center for Disease Control 2008

 84% of all businesses employed less than
500 people

 These businesses play a significant role in the
state’s employment rates and overall economy

 Small businesses are feeling a real pinch from
rising insurance and healthcare rates

 Businesses need help with wellness solutions for
their companies and their employees

Kelly School of Business
http://www.incontext.indiana.edu/2010/mar-pr/article2.asp

For every $1.00 spent on each employee the return
on investment is high however very
few employees were impacted
Program ROI Employee
Population
Disease $7 – 10.00 10 – 15%
management
Disability $7 – 10.00 10 -15%
management
Medical Cost $2 – 3.00 5 – 7%
management
Wellness Council of America 2010


For every $1.00 spent on each employee the
return on investment is:
Program ROI Employee
Population

Wellness $3 – 24.00* 100%
* ROI depends your wellness interventions & the aggressiveness of your wellness program

Wellness Council of America 2010


 Indiana’s businesses are entitled to a tax credit against their state tax liability in an
amount equal to 50% of the costs incurred for providing a qualified
wellness program for the business’ employees during the taxable year.
 Eligibility Criteria (http://www.in.gov/isdh/19950.htm)

 1) Must be actively engaged in business and
 2) On at least 50% of the working days during the preceding calendar year must
have employed at least 2 but no more than 100 eligible employees. The majority of
whom work in Indiana.

 Qualified Wellness Program: - A wellness program that is certified by the Indiana
State Department of Health under IC 16-46-13.

 For full legislation details please visit the link below
http://www.in.gov/legislative/ic/code/title6/ar3.1/ch31.2.html


 For a wellness program to become an Indiana State Department of
Health Certified Wellness Program, the plan must include all of the
following components:

1. Employee appropriate weight loss
2. Smoking cessation; and
3. Pursuit of preventative health care services

 Each of the above components must include the following:
i. Assessments
ii. Intervention-Educational Materials
iii. Rewards Program
iv. Measurement Tool

 Sample Wellness Plan Outline (http://www.in.gov/isdh/files/WellnessPlanOutline2.pdf)



Assessment Rewards Program
Intervention-Educational Materials Measurement Tools

Reduced risk
factors related to
obesity


2. Smoking Cessation

Rewards Program
Assessment
Measurement Tools
Intervention-Educational Materials

Reduced risk
factors related to
smoking




Reduced risk
factors related to
all disease



2. Smoking Cessation


Indiana Department of Health 2011
Ball State University

Contact information: Smoking cessation
Name of business - Contact name 1. Assessments
Address 2. Intervention - Educational
Phone number 3. Rewards Program
Email Address 4. Measurement Tool

Employee appropriate weight loss Pursuit of preventative health
1. Assessments care services
2. Intervention - Education 1. Assessments
3. Rewards Program 2. Intervention - Educational
4. Measurement Tool 3. Rewards Program
4. Measurement Tool

Sample Wellness Plan Checklist
(http://www.in.gov/isdh/files/Small_Employer_Application_Checklist_11.10.pdf)


Employee appropriate weight loss

Assessments
Biometric data as part of our annual health screening including, height, weight, body fat, to measure weight gain/loss.

Intervention – Educational Materials
Brochures, presentations and pamphlets
Monthly wellness newsletter including overview of the positive lifestyle changes and healthy eating choices.
Employer paid weight loss program such as Weight Watchers, Lifestep's Weight Management, etc.
Employer paid fitness program, gym memberships

Rewards Program
Rewards are based on the success of achievement of personal health goals
Rewards for participation/completion in wellness campaigns such as t-shirts, paid time off, gift cards etc.
“Walking to Hawaii” Gym Shoes = 10,000 steps per month x 4 months

Measurement Tool
Comparative results using the annual aggregate report provided looking at employee biometric/laboratory measures
Testimonials from employees about steps taken toward weight loss



Smoking Cessation

Assessments
Annual health risk assessment from in conjunction with our health screening that identifies employees who by self-
reported methods.

Bimonthly wellness newsletter including smoking cessation
Wellness brochures and smoking cessation materials and referral sources
Pay to attend a stop smoking class on or off worksite

Rewards Program
Rewards for smoking cessation class/coaching completion such as t-shirts, paid time off, gift cards etc.
Discount on medical plan premium for quitting

Measurement Tool
Comparative results using the annual aggregate report provided looking at employee biometric/laboratory measures and
self-reported smoking status
Testimonials from employees about their experiences



Pursuit of preventative health care services

Assessments
Annual health risk assessment in conjunction with our health screening that identifies employees that are ready to
make positive health behavior changes such as exercising, losing weight, and eating healthier
Reporting on about how many of your employees went in for routine preventative services
Biometric Data/Laboratory Evaluation as part of the annual health screening including total cholesterol, HDL, LDL,
cholesterol ratio, glucose, and triglycerides as well as height, weight and body fat that educates employees about
their levels before they reach an unhealthy level

Flyers and brochures that are specific to certain health conditions and wellness
Monthly wellness newsletter including online resources
Flu shots provided onsite at no cost in October
Wellness hour every month for employees to use at their discretion
Team development for American Heart Association Walk/American Cancer Society Relay for Life

Rewards Program
Rewards for participation/completion in wellness campaigns such as t-shirts, paid time off, gift cards etc.
“21 day challenge” … Eat 3 servings for fruits …. 7 servings of vegetables …. Drink 8 cups of water

Measurement Tool
Comparative results using the annual aggregate report provided looking at employee biometric/laboratory measures
Medical claim data comparison -Participation rates in health campaigns and initiatives


3
1 2
Employee Pursuit of
Smoking
appropriate preventative
cessation health care
weight loss services

Samples & Examples
Assessment Intervention/Educational materials Rewards program Measurement tool
Health risk Action steps, health Reduced health Participation rates,
assessment, health coaching, pamphlets, insurance, paid behavior change ,
coaching, blood magazines newsletters, time off, gift cards, testimonials , employee
pressure, body mass posters, access to health related satisfaction,
index, cholesterol websites, prizes and/or gift aggregate data
screenings certificates

Ball State University


- Commit to a worksite wellness program, seek the assistance of a
qualified vendor. 1. Employee appropriate weight loss

- Develop an outline of your wellness plan using the Educational Materials Measurement Tools
established criteria.

-Notify vendor that you want to apply for the wellness tax credit. 2. Smoking Cessation

- Submit your plan by email to Indiana Dept of Health via the online
Educational Materials Measurement Tools
application process.

-The applications are reviewed by a designated board to be approved
or deferred. The advisory board meets approximately 4 times a year.
(January, April, July, October 2011)
Educational Materials Measurement Tools

-Once approved by the board, a certificate will be sent to the applying
business.
www.wellnesstaxcredit.in.gov
-The certificate is to be submitted with tax preparation to the Indiana www.stateofwellness.org (webinar)
Department of Revenue. Seek the assistance of your tax preparer.)



 Identify your company’s wellness goals
 Get some help from a qualified wellness company to
assist you with:
1. The development of your wellness plan
2. The application process for the Indiana Small
Employer Tax Credit
3. Help you implement your wellness program
4. Assist you in continuous improvement with a focus a well
workplace


www.GetHealthE4Life.com
Health-E 4 Life is a division of C2 Your Health LLC

Cindy Cohen RN, Health Coach
C2 Your Health LLC, Owner

Cell phone 800-245-8917
CindyCohenRN@yahoo.com

http://www.CindyCohenRN.com

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