(828) 274-0959dustin@cbwadvisors.com

The first step in earning the CBWA designation is partaking in a 2 day certification institute. The 2 day institute is an intense, enlightening–and exciting–journey through the 5 steps of benefits risk management.

This institute is designed to lay the framework for agents and brokers on how to implement benefits risk management to generate real results for their clients.

Cost of the institute is $495, and $175 a month.  There is an opportunity to upgrade your benefits as needed.

If you are not satisfied at the end of the Institute, simply tell us, return your materials and you don’t pay..not a penny…and hey, we’ll give you $100 to say “thanks for kicking the tires.”

First Day

Introduction

  • Eliminating the head trash about quoting as the only way to compete
  • Examining the Traditional Benefits Broker
  • How do employers view wellness? Why?

Intro to Benefits Risk Management

  • Purpose of CBWA Designation
  • How we got here
  • The perfect storm for benefits risk management
  • Giving you back control of the process
  • A “Titanic” look at the problem
  • How the Brokers plays defense
  • Applying the 5 steps of risk management to benefits

Business Case for Benefits Risk Management

  • Making a clear business case to all management team members
  • Looking to the experts
  • From a health strategy to an economic strategy
  • The business problem
  • Changing the Conversation
  • Natural flow of health
  • Lifestyle scale for individuals and populations
  • Examining the Costs (vs. low, medium and high risk individuals)
  • Economics of Health Status
  • Change in costs follows change in risks
  • Costs associated with Wellness Score

Identifying Risk

  • Why wellness programs fail
  • Problems associated with “jumping in” too quick
  • What if no one shows up?
  • Finding the holy grail of wellness programs
  • Wellness is not a “check-off” list
  • Participation generation and the participation generation loop (i.e. trap)
  • Creating an experience & the Kickoff 90%+ Participation Process

Analyzing Risk

  • Rearview vs. windshield
  • Compared to workers’ compensation…
  • Executive summary review exercise
  • Employee status report exercise
  • Cost to risk factors exercise
  • Low, medium vs. high risk
  • Yes, a Star Wars discussion…
  • Focus, focus, focus!

Second Day

Controlling Risk:

  • 5 fundamental pillars
  • Senior leadership
  • Align operations
  • Cultivate winners
  • Reinforce culture
  • Quality assurance
  • Levels of engagement
  • Setting and managing expectations
  • Understanding the failure of wellness past
  • Meeting James O. Prochaska
  • Understanding the sages of change
  • Don’t Get Worse
  • The incentive debate
  • Carrot vs. stick
  • Key measurements
  • Economic impact of each strategy

Finance Step: Quote, Quote, Quote

  • Exposing quote, wait & hope
  • The “Spectrum of Finance”
  • Looking at finance through the “CBWA Prism”
  • Hibernation Isolation
  • Utilizing BenefitsBlueprint

Utilizing the Wellness401k Platform

  • WellConnect
  • BenefitsBlueprint
  • Employers for Better Health
  • CBWA University
  • HealthInsight
  • Kickoff 90%+
  • WellCheck
  • CBWANetwork
  • CBWALibrary
  • Marketing Locker
  • WellCoaches
  • WellEvents
  • WellPoints
  • BenchmarkPlus
  • Committee Navigator
  • Renewal Advantage
  • Executive Briefings on Demand

Going Home

  • “Driving the bus” as a CBWA
  • 6 stages of implementation
  • Tools & Resources
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