(828) 274-0959dustin@cbwadvisors.com
Category archive: Advisory
Message from Preston – March
You don’t have to be a Harvard University graduate to know that obesity results from energy imbalance: too many calories in, too few calories burned. But according to a recent study by the Harvard School of Public Health, a number of factors influence how many calories people burn each day, among them, age, body size,…
Use Employee Wellness to Keep the Healthcare Sky from Falling
Randy Boss, a certified risk architect for Ottawa Kent Insurance in Jenison, MI recently penned an informative article that will run in the March 2014 issue of Health Insurance Underwriter magazine. Here are excerpts from the article. All you hear they hear is healthcare costs are out of control and the government is making it…
The Risk of “Sudden Cardiac Arrest”
This risk issue is important because “Sudden Cardiac Arrest” can happen to anyone, anytime, anywhere and at any age. Without early intervention the outcome is not good. What you need to know is sudden cardiac arrest (SCA) is a condition in which the heart suddenly and unexpectedly stops beating. If this happens, blood stops flowing…
Winter is no friend to staying healthy
Researchers at Good Samaritan Hospital in Los Angeles analyzed four years’ worth of death certificates (that’s 1.7 million) in seven locations across the country: LA County in California, Texas, Arizona, Georgia, Washington, Pennsylvania, and Massachusetts. What did they find? The death rate—due to heart attacks, heart failure, cardiovascular disease, and stroke—from January to March is…
A Message From Preston – December
Why is it that when it comes to watching our weight and trying to maintain a healthy lifestyle we consider the period between Thanksgiving and New Years Day to be some kind of a blank check period to throw caution to the wind? “It doesn’t make sense to watch my diet because I know I…
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…
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,…