More Than Meets The ROI: The Value Of Investing In A .

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More than Meets the ROI: The Value ofInvesting in a Healthy WorkforceJune 7, 2017

2017 OBJECTIVES AND CHALLENGESOurEMPLOYERS’Point of View72%67%72%Meet Cost & BudgetTargetsImprove EmployeeHealth & WellbeingOffer enges26%19%Deliver OutstandingEmployee ExperienceDemonstrate Impact ofPrograms onEngagement14%33%Source: Aon 2017 Health SurveyAon US Health and BenefitsProprietary & Confidential May 20171

Y O U N G H E A LT H YTobaccoUse18%Debt 29,317Obesity33.3%Depression16%TobaccoUse22.1%Debt 30,039TobaccoUse26.5%Obesity32.8%Depression16%Debt 23,332Obesity30.9%Depression20%Ret. Bal. 21KRet. Bal. 85KRet. Bal. 165K48%*36%*16%*Baby Boomers1946–1964Developed chronic diseaseover time of employmentGeneration X1965–1978Millennials1979–1996Entered the workforce withchronic diseaseSource: Future of Workspace Survey* U.S. predicted split of workforce by 2020Aon US Health and BenefitsProprietary & Confidential May 20172

I M PA C T O F C H R O N I C D I S E A S E86% of all healthdollars are spent onchronic diseases5% of complex50% of healthcare spend25% higher risk ofwork-related injuries2X75% of patientschronic patientsresponsible forandthe numberof WC claims causedby obesitywith chronicdiseases arenon-compliantDiabeticemployeesare out of work12 days1 out of 2 adults has a chronicdisease and 25% have 2 or moreThe U.S. obesity rate currently: 40% of women 35% of men 17% of childrenProjected to be 44% in all 50 U.S.states by 2030longerThe top 7 chronicdiseases cost U.S.companies 1 trillionin lost productivityannuallyAon US Health and BenefitsProprietary & Confidential May 2017Sources: CDC Chronic Disease Prevention andHealth Promotion. 2015; Milken Institute 20073

I M PA C T O F S T R E S SMany aspects of lifeare stressing me out.Top5Stressors50%FINANCIAL SITUATION41%40%36%33%WORK CHANGESWORK SCHEDULEWORK RELATIONSHIPSIn 2017, 54% of consumersreported high stress levels – up5% since 201637% reported an increase instress in the past year – up 4%Consumers experiencing lowstress are more likely than thoseexperiencing high stress to viewthemselves as healthy1 in 5 consumers/family memberssought behavioral healthservices in 2016 and 74%had 1 obstacles ingetting treatmentCONTROL OVER HOWI DO MY WORKSource: 2017 Consumer Health Mindset Study: Aon Hewitt, the National Business Group on Health, and Kantar FuturesAon US Health and BenefitsProprietary & Confidential May 20174

W H AT I S T O TA L W E L L B E I N G titudes andreactions to everydaylivingEnergy tocomplete dailyliving tasksFuelSleepMovementResilienceWellbeing means having theappropriate resources,opportunities and commitmentneeded to achieve optimalfunction, health and performancefor the individual and SecurityFoundationFinancialConfidently manageeveryday and futurefinancesAon US Health and BenefitsProprietary & Confidential May 2017FamilyFriendsWorkColleaguesSocialConnectionsto others5

I M PA C T O F T O TA L W E L L B E I N G81%41%less likely to seekout new employerin next yearless work missedbecause of poorhealthHigher wellbeing levels improvebusiness results – beyond thecost of healthcareEmployees who have strongoverall wellbeing are:75%22%of consumers saywellbeingprograms are agood investmentmore profitableas organizations10%higher customerratingsAon US Health and BenefitsProprietary & Confidential May 2017 2x as likely to be engaged intheir jobs compared toemployees with moderatewellbeing 6x as likely to be engagedcompared to those who are atrisk½ Pointhigherperformance ratingby supervisorsSources: Gallup, “State of The American Workplace Employee Engagement Insights for USBusiness Leaders,” 2013; 2017 Consumer Health Mindset Study: Aon Hewitt, the NationalBusiness Group on Health, and Kantar Futures6

FRAMEWORK FOR SUCCESSAon US Health and BenefitsProprietary & Confidential May 20177

CLOSE GAPS IN THE HEALTHEXPERIENCE CYCLEStay HealthyPerformerReduce RiskGood Health Is Good for Business1. Start and end with wellbeing2. Require the right careAvoidCare3. Change the way you pay forcare4. Hold people accountable andfully support them5. Manage the most complexSupportCarePatientManage DiseaseAon US Health and BenefitsProprietary & Confidential May 2017WellbeingNeedCareConsumerOptimize Value8

TARGET EFFORTS8 Risks and Behaviors DrivePOOR STRESSMANAGEMENT15 Chronic ConditionsDiabetesAllergiesCoronary ICIENT SLEEPBack PainSMOKINGEXCESSIVE ALCOHOLCONSUMPTIONCongestiveHeart FailureObesityLung DiseaseCancerKidney DiseaseAsthmaHigh CholesterolReview health plan, pharmacy,absence and workers’compensation data with focus onkey risk factors and clinicalconditions driving top cost andutilizationCreate a combined overview ofkey conditions and risksinfluencing different areasArthritisPOOR DIETPHYSICALINACTIVITYHighlight gapsAccounting for 80% of total costsfor all chronic illnesses worldwide Low participation Undesired outcomesPOORSTANDARD-OF-CARE CHOICELACK OF HEALTHSCREENINGSources: World Economic ForumAon US Health and BenefitsProprietary & Confidential May 20179

WHAT ARE EMPLOYERS DOING?Physical 71%Financial 66% Healthy food 65% Financial wellbeing 61% Sit-to-stand workstations 62%Environment Active/stretch breaks 35%Social ces Standing/walkingmeetings 31%EnvironmentEmotional 56%Community Team based challenges 56% Flexible work time 65% Social areas 54% Work/life balance 57% Social networking 39% Stress management/resiliency 42%Source: Aon’s 4 Square Wellbeing Model, adapted from World Health Organization; Aon 2017 Health SurveyAon US Health and BenefitsProprietary & Confidential May 201710

WHAT DO EMPLOYEES WANT?Emotional 85%Physical 80%1. Managing stress1. Getting enough sleep2. Taking time off nmentSocial 46%WellbeingCommunity3. Following medical adviceResourcesResourcesResources3. Learning about somethingnew2. Eating healthy ( 7%)EnvironmentCommunityCommunity1. Spending time with family& friends2. Managing work/life commitments4. Exercise ( 6%)Financial 74%1. Not living beyond my means2. Regularly saving for retirement3. Paying off credit card balancesmonthlySources: 2016 and 2017 Consumer Health Mindset Study: Aon Hewitt, the National Business Group on Health, and Kantar FuturesAon US Health and BenefitsProprietary & Confidential May 201711

C A P I TA L I Z E O N C U LT U R EStrong HealthCulture(29%)45%Have comparedhealth servicescostsWeak HealthCulture(21%)27%14%Have avoided caredue to costs31%69%61%View their healthas very good orexcellent45%Say health andwellness programsmake thecompany moreattractive46%33%Have normal BMI25%Employees in strong workplacehealth cultures are better healthconsumers and in better healthConsumers are 4X more likely tobe engaged at work if a companyhas a strong health cultureThose in strong health culturesare more likely than those inweak health cultures to viewwellbeing as important29%Cite health andwellness programsas one of thereasons they stayat their job27%Source: 2017 Consumer Health Mindset Study: Aon Hewitt, the National Business Group on Health, and Kantar FuturesAon US Health and BenefitsProprietary & Confidential May 201712

G E T T I N G H E A LT H Y I S N O T E A S Y29%of consumerssay at least oneobstacle getsin the way77%of consumershave regretted ahealth decisionA truly healthy lifestyle takesmore time, attention and/ormoney than consumers arewilling to spend44%of EmergingMillennialsgive up and hopefor the bestSource: 2017 Consumer Health Mindset Study: Aon Hewitt, the National Business Group on Health, and Kantar FuturesAon US Health and BenefitsProprietary & Confidential May 201713

M A K E T H E H E A LT H Y C H O I C E T H EEASY CHOICEWillpower is limitedSource Roy E Baumeister, Ellen Bratslavsky, Mark Muraven, and Dianne M. Tice Case Western Reserve UniversityAon US Health and BenefitsProprietary & Confidential May 201714

ADDRESS EMPLOYEE FINANCIAL NEEDS9%36%Finances are the top driver ofstress 1 in 5 employees report thatissues with personal financeshave been a distraction at work 37% of employees say that atwork each week, they spendthree hours thinking about ordealing with issues related totheir personal financesFREEDOMEmployees’ top help requests: 91% save for retirement/longterm needs25%GROWTH30%FOUNDATIONBui l dingf i na nc ialf r e e dom 49% establish an emergencyfund 49% save for children’seducation 47% pay off all or a portion ofstudent loans or refinance atlower ratesSECURITYSource: Aon Hewitt 2016 Financial Mindset StudyAon US Health and BenefitsProprietary & Confidential May 201715

MULTI-FACETED APPROACH TOOBESITY45% 40%WorksiteEnvironment35% 44%44% tedMarketing39% 45%“No single solution createssufficient impact to reverse obesity;only a comprehensive, systemicprogram of multiple interventionsis likely to be effective.”Shapeof theWorkforceProviderInvolvement50% 37%Family BehaviorChange17% 59%* McKinsey Group InstituteBenefitDesign42% 40%Source: 2016 Aon Health Care Survey.Red currentPurple futureAon US Health and BenefitsProprietary & Confidential May 201716

R E C O G N I Z E & R E WA R Drecognitioncash &gift e(charity)According to Aon’s 2016 HealthSurvey, the most commonlyoffered incentives are:timeoff 47% cash and gift cards 46% raffles 44% recognition 32% creating greater purposerewardbehaviorwithbehavior39% of survey respondents offerpremium differentials and 32%offer HRA/HSA contributionsSource: Aon Hewitt 2016 Health Care SurveyAon US Health and BenefitsProprietary & Confidential May 201717

E X PA N D F O C U S B E Y O N D H E A LT HAon US Health and BenefitsProprietary & Confidential May 2017Healthy andProductivePopulationLifestyle Risks andBehaviorsEngagementCollect individual level dataStudy data associations todetermine cost and businessimplications of population health18

BROADEN SUCCESS MEASURESHealth ionWellbeingWorkforceEngagementAttraction &RetentionAbsence Client& CustomerSatisfaction18%13%From 2016-2017, the percentage ofemployers using health care costsas a primary success measuredropped from 79% to 59%TalentManagement7%Source: Aon 2017 Health SurveyAon US Health and BenefitsProprietary & Confidential May 201719

CALL TO ACTION1. Secure leadership support2. Understand and address employee needs and motivators3. Go beyond programs to incorporate wellbeing into the workday4. Make the healthy choice the easy choice5. Communicate, communicate, communicate6. Track and measure the results that really matter to your business7. Don’t be afraid of changeAon US Health and BenefitsProprietary & Confidential May 201720

QUESTIONS?Aon US Health and BenefitsProprietary & Confidential May 201721

CONTACT INFORMATIONRobin Bouvier, Vice PresidentAon Health & BenefitsHealth & Wellbeing Expert200 Hayden Rowe StreetHopkinton, MA 01748Mobile [email protected] US Health and BenefitsProprietary & Confidential May 201722