(828) 274-0959dustin@cbwadvisors.com
Author archive: kring
If the pool is no longer safe for your customers, do you possess the tools to help them keep their heads above water?
Fully funded group insurance products made sense for many employers for a long period of time. The concept was simple; buy health insurance from a carrier and pool the risks. This way, when one company had a bad year, the other companies in the pool would absorb the blow for a company on the ropes. …
Wellness as an Employee Benefit?
Because workers compensation is not thought of as an employee benefit and wellness programs are instituted with health insurance related goals in mind, most employers do not consider the impact that a wellness program can have on their workers compensation premiums. While a wellness program may not have a noticeable impact on the frequency of…
Message from Preston – October
It stands to reason that healthier employees will use less sick time. But ultimately, companies need to make a commitment to helping their employees stay in better shape. “Employers should focus on health and wellness at work,” says Randy Boss, a CBWA advisor at Ottawa Kent, Jenison, MI. “Businesses should allocate 2%-3% of their budget…
Wellness and the high cost of prescription drugs
In recent years, the use of narcotics in treating injured workers has faced heavy scrutiny, and for good reason. Statistics released at the latest National Council on Compensation Insurance, Inc. (NCCI) Annual Issues Symposium, which took place in Orlando, Fla., are unsettling. While the overall share of prescription drugs as a percentage of medical costs in workers’ comp has stayed steady at around…
The Drug-Free Workplace vs. Medical Marijuana
According to a recent report on CNBC, medical marijuana is casting a cloud of confusion over Corporate America. Indeed, employers that operate in the 14 states where pot is now legal as a prescription painkiller are struggling to reconcile zero tolerance drug policies with a patient’s right to get high. The matter is more complicated…
Even if you love your job, it may be killing you
Researchers found that men sitting at their desks more than six hours a day are nearly twice as likely to be overweight than those who sit for less than 45 minutes a day. While women fared slightly better—spending on average 20 more minutes on their feet at the office than men—researchers conclude that a sedentary…
Three important reasons to become a CBWA
Stop the Spreadsheeting Circus: Tired of spreadsheeting? Become a CBWA and learn to write business by Broker of Record Letter. How? By using our unique approach to wellness–a process we’ve branded as Benefits Risk Management. You’ll be able to show employers how they can identify, analyze and control their employee’s health risks. Navigate through the Layers…
A Message from Preston – August
Unless you live at the polar ice caps, or possibly in a meat locker, you have most likely been subjected to what is now shaping up to be one of the more intense summers this country has seen in some time. Now maybe this isn’t an issue if your employer client base is predominantly businesses…
Can an Employer Really Drop Employee Benefits?
It’s no secret employers and employees alike are anxious about the Affordable Care Act (ACA). Timelines, decision trees, minimum benefit requirements, enough new paper notices to destroy an entire rain forest—you name it, there is quite a bit out there that employers are faced to deal with. Employees, on the other hand, are getting inundated…
Wellness Program Offers Great Resources
One of the great tools available to CBWA agents is the WellEvents Library. This tool provides turnkey, fun and engaging wellness population programming. One of the population programs is called “weight gain, no way!” This program is designed to reward employees for just staying the same weight and tracking their weight. IF they lose more,…