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Benefits: 10 Key Take Aways

Over the last several weeks we went over the no or low-cost ways to make your company a great place to work. We went over many tips on what you can do right as far as offering benefits to your staff to make them want to work with you and your company. 

We talked about:

  • Why you need to look after your employees
  • Good leadership
  • Creating the right environment
  • Challenges, training and development
  • Employee perks
  • Company benefits
  • Choosing the right benefits
  • Communicating benefits correctly
  • Ways to get benefits wrong

In a nutshell, here are 10 most popular takeaways from this series on benefits.

  1. It pays to make your company a great place to work. Although base pay is still vitally important, it is not the only thing talented employees are looking for.
  2. Good leadership is vital. 27% of people who don’t trust their managers, don’t plan to stick around.
  3. Workplace culture starts at the top. To created a culture of communication, collaboration, fun and respect, the boss has to lead by example.
  4. Millennials rank training and progression opportunities as a top reason to stay in their job.
  5. Flexible working is a popular perk and could improve your employees’ productivity.
  6. Voluntary benefits enable you to offer attractive benefits at no or low cost.
  7. The benefits employees want are dependent on their circumstances and their outlook – so flexibility is key.
  8. Company-offered benefits such as accident insurance and hospital indemnity insurance can fill in the gaps in health care coverage.
  9. With paid time off plans and incentives to reduce unscheduled leave, offering paid leave can be a cheaper and more realistic option for small businesses.
  10. By effectively communicating benefits to your employees you help them understand the value of offering, which helps them get the most out of it. Voluntary benefits providers can help with this.

 

Highest regards,

 

 

Stacia

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“Brace” Yourself! A Great Addition to Your Benefits Package

Brace Yourself! Picture this: you wake up early on a bright, sunny Tuesday morning, you go to the kitchen and brew your daily cup of coffee and pop some bread in the toaster. You turn on the morning news as you do every other morning, and you sit at the table as you wait for your coffee and toast. Then you notice a strong, sharp ache in your tooth. You take some ibuprofen and hope with all your heart that it goes away, are at least becomes a duller pain, but sure enough, it doesn’t. You still go to work and carry on with your day, but you’re absolutely miserable. Your toothache seems to make everything hurt.

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You don’t want to make an appointment because it’s so ridiculously expensive.

 

Then you remember, your work has a dental insurance plan that would cover your appointment. You call and make an appointment with your dentist right away, and he can get you in. You’re so happy, and you think how you wouldn’t be able to afford an appointment if your work didn’t cover you.

 

So many people don’t have the luxury of being covered by a dental insurance plan, which forces them to overlook their dental issues. There are so many people that are quick to overlook a tooth ache and call it a minor issue, when in all reality, dental hygiene or a lack of it, has been a proven contributor of diabetes, heart disease and blindness. With this realization, many companies are beginning to offer dental coverage as part of their benefits package. In fact, ninety-six percent of employers are offering this kind of coverage to their employees, and it’s becoming a huge factor when people are considering careers.

 

As an employer, you most likely offer sick leave or a similar type of coverage, so your employees are able to get better faster and miss less work.

 

Having a dental insurance plan added to your benefits package is the same concept. With the amount of conditions linked to dental problems, your employees could miss more days than they need to because a dental package could have prevented all of it. Not good for you, not good for your employees. By covering procedures like root canals, routine cleanings, and crowns, you can save yourself and employees a lot of money with flexible plans and family coverage options.

 

What are you waiting for? Don’t miss out on a great candidate and more opportunities. Get your dental coverage package today!

Warm regards,

 

Stacia

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Coverage So Good It Looks Like an Accident

Let’s face it, accidents happen, they are an inevitable part of everyday life.

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The fact that accidents happen at all, is just plain stressful.

 

Let’s ask some important questions:

 

  1. What do you do when an accident happens?
  2. Do you have the coverage for yourself and your employees?

 

If you don’t have coverage for accidents included in your benefits package that could be detrimental to your business.

 

The most troubling part about an accident, is the unplanned factor. Which can send your employees out of work for days or weeks on end. Added to that, when hospital bills and other medical expenses are incorporated, it can quickly become overwhelming and seem like there is no hope, especially if the employee is unable to work.

 

This is where accident coverage comes in handy, extra expenses are covered and your employee can focus on getting better faster. Saving you time and money.

 

Almost forty million Americans sought medical help in 2014 for poisoning and injury. You might be thinking, you don’t need accident coverage for your employees because of the work safety policies you have in authority, but almost forty-nine percent of those forty million accidents happened at home.

What’s even more shocking, is that most people don’t have finances or a plan to cover those expenses.

 

Accidental coverage plans can help offset these expenses, along with provide coverage for initial care, transportation, surgery and follow up care your employees may need. Especially when the cost of medical care, not to mention urgent or after hours care,  has skyrocketed and is only going to continue to do so.

 

You can’t put a price on piece of mind that your protected for the inevitable.  So do yourself, and your employees a huge favor, help life go right by getting them the accidental coverage they and their families need.

Warm regards,

 

Stacia

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Know What Coverage Options Benefit You and Your Team Most

When choosing coverage for your company, there are many factors that you need to keep in mind.

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  • Should your coverage include families?
  • Should your benefits be offered to part-time workers?
  • What demographic works best for you and your team (Millenials, Baby Boomers and Generation X)?

 

It is always important to think about how the benefits you want to offer will fit with factor such as the key objectives of your business, what competitors are offering to their employees, the budget you have to work with (are you going to fully fund these coverages, share the cost with your employees, or make your employees solely responsible to fund them), and the wants of your employees. Most employee demographics today span a wide range of generations.

 

Another important thing to consider is what millenials are looking for in coverage as opposed to Generation X.

 

To explain this further, Millenials have a lot of the same values as the older generation, along with benefits that will help with the balance of work and other aspects of their lives.

 

Some of these coverages include, paid leave, retirement plans and parental leave.

 

On the other side of the spectrum, Generation X looks for an employer who will fill the gaps in regular coverages they already have.

 

They ask themselves about the “what ifs” in life, things that will require immediate attention; not later in life like Millennials. Coverages they look for include, hospital indemnity insurance, life insurance, accidental insurance, and disability insurance.

 

Once you know the coverage options you want to offer, it is important that you consider the legal matters, large mistakes can result in large penalties and greatly affect your ability to offer benefits to your employees.

 

Follow these rules, and you will come up with the perfect package to not only benefit you, but your employees and their families as well.

 

Warm regards,

 

Stacia

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Accident Insurance: Learn Why You Want It Today

What does accident insurance actually do?

We all know that accidents happen. But what does that mean for you and your pocketbook? Think about the all too typical sprains and dislocations – these are the most common reason for accident insurance claims. A normal emergency room visit normally costs more than $2,000. For those Americans with a high-deductible health insurance plans – which is the majority of Americans – you would be responsible for paying the entire bill out of pocket.

 

This is where accident insurance comes to play.

 

Accident insurance pays benefits to help with the costs of unexpected injuries, such as a sprain, dislocation, fracture, cut or a burn. The payments from the accident insurance will go directly to you for usage. The money can be spent however you need the money to be used. Accident insurance pays the out-of-pockdet medical expenses and / or other costs not covered by insurance such as your transportation. Accident insurance can even be used to pay the babysitter while you go to the medical appointments. Additionally, your benefit payments will not be reduced by other coverages you have through your current health insurance plan.

 

Commonly, you and your children all have active lifestyles. Sports, dance, exercising, hiking and more all hold the potential for an accident. Accident insurance covers the void between an unexpected medical bill and what you may have in savings for emergencies that will happen. Approximately 40 million Americans seek medical help for injuries every year.

 

Accident insurance may be available through your employer or as a supplemental choice to add to a benefits package. Some benefits packages will have accident insurance as a voluntary supplemental choice. If you are not sure if you have it as an option, ask your HR department if it is available. If it is a voluntary benefit, you would pay for the protection yourself so there is not direct cost to your employer. The bonus? It’s really affordable. Generally, the cost is around $5-$8 a week for coverage, although it may vary in cost depending on the number of family members covered. (Costs will vary obviously by plan, how many people are covered, and state guidelines too.)

 

Look into the options you may have available. The initial cost would be low to you, and the savings potential would be exponential.

Highest regards,

Stacia


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Telemedicine is the Answer

Have you heard the term “telemedicine” before this article? If not, you have probably used it. Dictionary.com defines telemedicine as “the diagnosis and treatment of patients in remote areas using medical information, as x-rays or television pictures, transmitted over long distances.

 

Take a step back and think about things for a moment: we live in a world where instant access in the new normal. You can select next-day shipping for your online purchases. You can binge watch any show for several seasons. Any type of music is a quick swipe away from hearing. If you want an answer to any question, just ask your phone.

 

With all of this information just click away, why should immediate access to medical care be a long wait? Telemedicine is changing the way we look at healthcare. It’s more about getting the correct answer quickly and less about making an appointment and waiting to be seen.

 

Telemedicine is not a new concept but it is a growing option for employers to add to their health care packages. Ultimately, this helps to cut costs for health care and improve access for all employees. Now, 80 percent of employers offer a telehealth benefit to their employees. This may be access through apps on their phones, access to ask a nurse a question 24/7 through a phone line/internet service, and many more.

 

For many employers and employees, this may mean the difference between taking time off to visit a physician or being able to make quick inquiry and access to pick up a prescription at a local pharmacy quickly. This saves time for employers, employees, and licensed physicians. It’s predicted that this could save companies more than $6 billion a year in health care costs. With the savings of time and money, it is no surprise that employers and employees are flocking to the idea of telemedicine as a solution to give more access to everyone for healthcare options!

Highest regards,

Stacia


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Learn How Yoga Can Help You In The Workplace

When people think of yoga, they often think of yoga mats, complicated positions and retreats in the mountains requiring days of silence. However, I am here to tell you that if you can breath, you are in luck with yoga. Yoga is something you can even do at work without anyone knowing you are doing it.

This practice is about using our innate tools to quickly rid our own suffering. Now you may be thinking, “Stacia, I am not suffering” but we all suffer more than we’d like to admit.

 

Such things like negative thoughts, boredom, frustration and even anger are triggers letting you know there is some kind of suffering going on.  So how does simple yoga help this? It all starts with breathing. When we breathe with intention and attention, we are present to the very moment.

 

It doesn’t matter if you wear a three-piece suit, medical scrubs, a uniform or construction boots and a hard hat to work.

 

Remember if you can breathe, you can do do yoga at work. Try this right now, inhale and notice what happens to your body’s toros. Exhale, and notice again what happens to your body. Repeat this 15 times while counting to 1, 2, 3 each time you inhale and exhale.

 

When you focus on breathing this intently, your mind isn’t wandering to anything else, putting a quick halt to any pain and suffering going on in your world, body, life. You calmed your nervous system and unknowingly to you, you decrease your cortisol, the stress hormone. If you are depressed or sad, this same breathing techniques is known to help.

 

There is no required number of rounds for breath-work, but the longer you can do each, the more you’ll feel the effects. Believe it or not, you are practicing yoga.

 

Warmest regards,

Stacia