Health & Wellness Voluntary Benefits

Health & Wellness Voluntary Benefits

Cancer
Your employees’ risk of cancer is great. In the US slightly less than 1 in 2 men and 1 in 3 women will develop cancer.

Cancer Facts and Figures 2018: click here

  • What percentage of people survive cancer?
     
    • Over the past three decades, the 5-year relative survival rate for all cancers combined increased 20 percentage points among whites and 24 percentage points among blacks
       
    • Yet it remains substantially lower for blacks (70% versus 64%, respectively)
       
  • In 2018, there will be an estimated 1,735,350 new cancer cases diagnosed and 609,640 cancer deaths in the United States
     
  • Estimated new cases of cancer in 2018
     
    • 856,370 new cases of cancer in males
       
    • 878,980 new cases of cancer in females
       
  • Estimated deaths due to cancer in 2018
     
    • 323,630 deaths due to cancer for males
       
    • 286,010 deaths due to cancer for women

Pierce Insurance’s portfolio of cancer and specified disease policies is designed to provide you with cash during covered cancer treatments. Unexpected costs can escalate out of control: (travel for treatment, food and accommodations, out-of-pocket medical expenses, child care, lost income, in-home care). Costs are not only financial but also emotional. Let Pierce Insurance’s expertise provide the best cancer and specified disease policy for your employees and retirees.

 
Critical Illness

Critical Illness Insurance Is An Employer Benefit Providing Important Financial Protection When Employees Need It Most

Critical Illness insurance products meet the changing financial protection needs that arise from medical breakthroughs and earlier diagnoses of serious (but no longer deadly) diseases.

An employee who is diagnosed with cancer will more than likely survive.  The same is true for employees who have heart attacks or a stroke.  But, survival comes with a steep cost.

Facing a critical illness is difficult enough without having to worry about the added financial stress.  Critical Illness insurance is designed to help individuals bridge the financial gap between traditional insurance coverages and the added costs associated with a critical illness.  The product helps put financial control back into the hands of the individual, allowing one to focus on recovery. It also helps reduce the fear of having to tap into the equity in one’s home or into retirement, education or other savings accounts.

American Heart Association: Heart Disease and Stroke Statistics 2017 At A Glance

  • Cardiovascular disease, listed as the underlying cause of death, accounts for nearly 801,000 deaths in the US.  That’s about 1 of every 3 deaths in the US.
  • Coronary Heart Disease is the leading cause (45.1 percent) of deaths attributable to cardiovascular disease in the US, followed by stroke (16.5 percent)
  • Heart disease accounts for 1 in 7 deaths in the US, the #1 cause of death in the US
  • Stroke: someone in the US has a stroke every 40 seconds
  • Strokes account for 1 in 20 deaths

In 2018, there will be an estimated 1,735,350 new cancer cases diagnosed and 609,640 cancer deaths in the United States click here

Help ease the financial impact of critical illnesses

Critical illness coverage is a valuable supplement to existing benefit plans.

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Dental
Regular dental care is important to your employees. They want a healthy smile – and they want to maintain good dental health now, so they can avoid costly treatments later. That’s why we offer multiple dental coverage options through preferred provider organizations (PPOs). And like all our benefits, Pierce Insurance dental is supported by excellent service and valuable employee communications.

Pierce Insurance has partnered with the top dental providers in the United States. Regular dental care is important to the health of your employees. There is a great deal of research (Mayo Clinic) that strongly links poor oral health to overall health problems such as: diabetes, heart disease, premature birth, and respiratory disease.

Based on your plan selection, your employees and retirees are covered for preventive, basic, and major services. Our plans:

  • Are easy to administer
  • Provide multiple plan options
  • Provide out-of-network benefits
  • Offer competitive rates

Help keep your employees and retirees happy and productive through Pierce Insurance dental programs.

Employee Assistance Program
An Employee Assistance Program (EAP) is a confidential, employer-paid workplace service. An EAP helps employees deal with work-life stressors, family issues, financial concerns, relationship problems, and even drug or legal concerns. It is often available to both employees and their families to help workers remain productive at work.

An EAP helps employers because it makes for happier employees. Employees have a confidential place to go with their personal problems. It also helps employees deal with stressors — from drug abuse to legal problems — so they don’t carry over into the workplace.

Types of Benefits Provided by an EAP

Most EAP programs provide a similar set of benefits that range from counseling referral services to other resources across a broad range of topics. Typically, anything that could cause an employee distress on the work or home front can be handled with a quick confidential phone call to the EAP. This includes things like:

  • Mental health issues
  • Marriage and family issues
  • Health management issues
  • Interpersonal communication issues
  • Financial and legal issues
  • Substance abuse issues

Left untreated in the workplace, issues like anxiety, family problems or drug abuse translate into poor performance, missed work, bad customer service, and workplace injuries that may cost you in terms of disability and worker’s compensation. An EAP is designed to give employees the help they need to resolve all kinds of issues, so they can remain on-the-job and productive.

Pierce Insurance can provide an expert opinion on which EAP would be the best fit for your business based on industry, geography, and size.

Pet Insurance
One of the areas where companies have created a draw for new employees is the addition of pet insurance to the benefits lineup. Outside the workplace, pet insurance has become a burgeoning business over the last decade, with a handful of insurance companies providing a range of basic to comprehensive coverage for four-legged family members.
 
As an employer-sponsored benefit, policies for pets speak directly to the heart of younger, highly talented potential hires and create differentiation among otherwise similar employers and run of the mill benefits packages. More companies are now offering pet insurance as a partially or fully paid benefit to employees in 2017, and the trend is expected to continue well into the next decade.
 
Why Pet Insurance?
 
According to the Society for Human Resource Management, nearly 9% of organizations reported offering pet health insurance as a voluntary benefit in 2016, representing a 5% increase from 2011. Within Fortune 500 companies, one in three offer some level of pet insurance coverage to employees, and more are on the path to adopting a benefits package that includes pet coverage to eligible workers.
 
Pet Insurance has become a popular choice among hundreds of companies because of the close emotional bond employees have with their pets. No longer are dogs, cats, or other household pets acquired for practical purposes; they are now as much a part of a family as a close friend or small child. And in some cases, pets are welcomed at the office every day of the week.
 
Pet Insurance offers a way for employers to recognize and salute that bond employees have with their household pets and show that they care about the same things employees do.
Telemedicine
In brief, telemedicine is the remote delivery of healthcare services and clinical information using telecommunications technology. This includes a wide array of clinical services using internet, wireless, satellite, and telephone media. Employees will benefit from reduced medical cost, convenience, and potentially fewer medical complications. Employers will benefit by shifting cost away from the medical plan and fewer missed days of work by employees. Telemedicine has been growing rapidly because it offers four fundamental benefits:

  • Improved access for the patient and physicians
  • Cost efficiencies
  • Improved quality
  • Patient/ employee demand

Pierce Insurance represents the top telemedicine companies.

Vision
Vision benefits have clear advantages in the workplace. Employers should take a closer look at adding a vision plan to their voluntary benefits strategy. For starters, more than three-fourths of employees polled by Jobson Optical Research consider vision coverage important. Industry research (Industry Currents by EBN) also shows a solid link between vision care and employee satisfaction. For example, employees who have vision coverage are nearly twice as satisfied with their benefits as those who do not have it, according to MetLife’s 10th Annual Study of Employee Benefits Trends. In addition, Human Capital Management Services (HCMS) found that employees with vision coverage are twice as likely to say their benefits are a very important reason they stay with their current employer.

An eye exam can help identify not only eye and vision issues, but systemic diseases like diabetes, hypertension, high cholesterol, cancer, and more. Your employees need an annual eye exam to help them stay healthy.

Key features from the Pierce Insurance vision portfolio of benefits include:

  • Visit to any network provider
  • No waiting period
  • Annual eye exam
  • Family options

Wellness

Corporate Wellness with a Customized Approach

Pierce Insurance along with our partner offers fully customizable programs known for producing measurable results for our clients. We develop tailored programs using both “high touch” personal resources and high-tech data components to pinpoint the right approach for your workforce. We promote a 3-tiered wellness program:

  • Company Culture
  • Employee Wellbeing
  • Employee Engagement
Key Findings (Virgin Pulse: State of the Industry Survey 2017)
  • Employee wellbeing remains a top priority and positively influences employee engagement.
  • Increasing employee engagement is a priority, but organizations are unclear on the best approach.
  • Culture remains king with 95% responding that organizational culture is important in driving business outcomes.
Key Elements to a Successful Health & Wellbeing Program
  • Leadership commitment & support
  • Measure VOI, not just ROI
    • ROI:(return on investment) Benefit-to-cost ratio, Program savings to program cost and did you save more money than you spent?
    • VOI:(value on investment) includes outcomes not easily measurable, focuses on cost-effectiveness and what is the total value of my investment?
  • Talk to employees
  • Offer smart incentives
  • Establish a culture of health

Our approach to corporate wellness focuses on four core themes.

EDUCATE * INSPIRE * TRANSFORM* REWARD

Our Services

Program Design & Management
  • Implementation & set-up
  • 100% no risk fee guarantee
  • HIPAA,ACA,ADA, & EEOC compliance
  • Marketing & employee communications
  • Day to day wellness program management
  • Incentive strategy/premium differential design
  • Comprehensive, outcomes or participatory based design
Facility Design & Management
  • Fitness center design
  • Equipment procurement & installation
  • Facility staffing, personal training & class instruction
Testing and Coaching Services
  • On-site, telephonic, & virtual coaching
  • Occupational health screening & testing
  • Biometric screenings, flu vaccine, & TB testing
On-site Programs
  • Health fair design & management
  • Wellness seminars, lunch & learn presentations
  • Registered dietician services & on-site cooking demos
  • Fitness, Zumba, meditation & other activity-based classes
Technology
  • Wellness & challenge portals
  • Wearable & device integration
  • Data analytics & predictive modeling
Survey & Assessments
  • Ideal being assessment
  • Wellness interest survey
  • Executive culture survey

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