What in the World? Thinking About Expatriate Benefits…

Author: Ann Marie Olszewski | Marsh & McLennan Agency 

One of the most important steps in a person’s career can be an international assignment. Even relatively small firms, involved in international business or trying to expand their global footprint, may have a need to send employees overseas for weeks, months or years at a time. Along with considerations like housing and compensation, health and welfare benefits are a critical part of the package for expatriates. Here are a few points to consider:

  • Why not simply cover the expatriate under the local insurance plan? Countries providing some level of national health care to their citizens may extend that coverage to foreign workers. Thus, local health insurance could be available. However, this does not mean the quality of care and access to providers will meet the employee’s expectations and needs. In addition, expatriates frequently travel from one country to another, with occasional trips back to the United States, and a local health plan is unlikely to provide coverage outside of a limited geographical area.

An international expatriate health plan will be portable, meaning it provides coverage regardless of the employee’s location. It will also have its own referral network of providers and facilities, which removes the guesswork for the expatriate when determining where to seek care. This is especially valuable for two reasons. First, the expatriate may not speak the local language, making it difficult to assess quality providers and presenting challenges when seeking care. Next, most foreign providers will require payment up-front, but network providers in an expatriate plan may accept negotiated rates and bill the insurance company directly.

  • What is the length of the expected assignment? Employees residing abroad for fewer than six months will not require an actual expatriate health plan. In these cases, short-term medical travel insurance makes more sense, in the event urgent or emergency treatment is required. For example, such plans will cover hospitalization for a heart attack, or an office visit for a bad cough, but not services related to routine wellness or behavioral health.

Short-term medical travel insurance is available from several carriers. These plans may include a variety of associated benefits, including emergency prescription replacement, assistance with lost travel documents, and phone translation services. Coverage could be for a single trip, or for multiple trips within a year.

An employee who will be residing outside the U.S. for six or more months may need an international expatriate health plan providing a broad array of benefits, which closely resembles the coverage he or she had in the home country.

  • How many expatriates require health coverage? If only one employee is being sent on an overseas assignment, then an individual international expatriate policy is probably the only viable option. However, group coverage may be available from some insurers for as few as two expatriates. It makes more sense to have one group expatriate health plan, than to offer several expatriates different individual plans that are inconsistent with each other. It’s also more cost-efficient.

A group expatriate health plan allows the employer to offer the same comprehensive coverage to all expatriates, regardless of their location. In addition, medical underwriting may not be required, which is important if any of the expatriates or their dependents have a pre-existing health condition. (Individual policies will always require medical underwriting, which means coverage could be denied in some cases. The premium could also be increased and/or dollar maximums applied to the expatriate’s particular health condition.)

Finally, maternity coverage may be of interest to younger expatriates. Maternity services will generally be covered in a group plan, with no waiting period, but may be excluded entirely from an individual policy, or be covered only with a higher premium and after an extended waiting period.

  • Are other benefits included in an international expatriate health plan? It will depend on the carrier, the plan elected, and whether coverage is individual or group. An employer may want to add ancillary benefits like dental, vision and life insurance. However, all expatriate health coverage, whether short- or long-term, individual or group, should include emergency medical evacuation. However, be sure to determine whether pre-existing conditions are included in the event of medical evacuation.

The challenges of an overseas assignment are potentially as great as the rewards. A well-crafted international expatriate health plan can go a long way to ensuring the employee’s success while working abroad.

Learn more about MMA Michigan:

@mma_michiganFind out more & join the conversation on social media! #MMAinsights

Linkedin: https://www.linkedin.com/company/mma_michigan

Facebook: @marshmma

We look forward to hearing how we can help!

About Marsh & McLennan Agency – Marsh & McLennan Agency LLC, a subsidiary of Marsh, was established in 2008 to meet the needs of midsize businesses in the United States. MMA operates autonomously from Marsh to offer employee benefits, executive benefits, retirement, commercial property & casualty, and personal lines to clients across the United States.


U.S. Business Immigration: Holiday Year-in-Review (or “Thanks for the Lump of Coal!”)

Submitted by: Christian Allen

For more reasons than are probably appropriate to include here today, 2017 will be forever burned into the memories of everybody in the US immigration industry, and all HR professionals who were involved in hiring and/or employing foreign workers in the US. No matter your political persuasion, “All Things Immigration” turned out to not be anything like we all expected at the beginning of the year, following a historic Presidential election result.

The year actually started out with some fairly good immigration news for businesses. We got a new I-9 Employment Eligibility Verification form from the US Citizenship and Immigration Services agency (the “USCIS”). The new form included some long-overdue changes, making it much more user-friendly for busy HR people. Simultaneous immigration regulation changes also tweaked several parts of the underlying employment verification rules. Those changes allowed for simple things like temporary work card extensions to be treated more reasonably, thereby avoiding common short-term (but always costly) gaps in work authorization for otherwise lawful workers in the US.

We all had our own opinions on the new President’s positions about a southern border wall, the danger posed by illegal immigrants in the US, and the problems with so-called “sanctuary cities”. I don’t think anybody was naïve enough to believe that the new administration wouldn’t attempt some changes to the US immigration system (e.g. President Obama’s “DACA” program was squarely in their crosshairs). However, most reasonable business people also assumed that only Congress could change the immigration laws in this country and effect substantive change on the US business community. I spent the better part of the first half of 2017 giving multiple presentations on Congressional powers to legislate, exclusive federal control of immigration, publicly available facts/statistics on US immigration, and why the vast majority of any new President’s immigration priorities would not have a major impact on US businesses employing temporary or permanent professional foreign workers.

Again, putting aside political differences about a broader immigration agenda for the US, that “Stay Calm and Hire (Legally) On” message within the HR community was essentially how everybody felt going into the annual legal circus that is the H-1B cap lottery filing season on April 1st. Few people had given much serious concern to yet another one of the President’s several Executive Orders; this one entitled “Buy American and Hire American”. The Order didn’t change any immigration laws (again, only Congress could), nor was it a regulation formally changing the government’s implementation of the existing laws. In fact, the small parts of the Order referring to immigration at all, simply consisted of odd policy directives to federal agencies to ensure that they were enforcing existing laws (which many agencies initially took as an offensive insinuation that they’d somehow not been doing their jobs). However, by the end of the summer, it became very apparent that those same agencies had received some sort directive to, in fact, severely alter long-standing processes and practices, the relative certainty of which US business had come to rely on in a healthy economy, with significant skilled and professional labor shortages, across many industries.

Almost without warning, employers started seeing routine temporary work visa applications being suddenly denied by US consulates across the globe. If any rationale was provided for these denials at all, it was usually just a vague reference to an undefined “Hire American” preference for US workers, which has never been a requirement in the US law for those types of visas. Employers with European operations were particularly blindsided by a sharp uptick in denials of ‘E’ and ‘L’ class work visas for top managers and critical technical personnel being temporarily transferred to the US. Similar results were being reported from the US borders and international airports, where US Customs and Border Protection officers were erroneously denying entry to individuals, including a group of lawful Canadian nurses in Detroit, who were stranded and off work for days. Their hospital employers had to scramble to secure expensive overtime coverage in order to ensure patient care that week. And then, a deluge of so-called “Requests for Evidence” started arriving from the USCIS, in connection with those H-1B cap lottery petitions employers had filed on April 1st.

After celebrating the “good luck” of having their petition selected in the Kafkaesque 1-in-3 odds of the H-1B cap lottery, many well-intentioned companies were hit with long, rambling, 10-page letters from the USCIS, demanding copious amounts of additional evidence to prove that the company was a genuine employer, with a valid professional job offer. Also included in those requests were lengthy arguments that entry-level, but still entirely professional workers were somehow no longer eligible for H-1B work visa sponsorship; this again, despite no changes in the immigration laws or regulations at all. Employers and their attorneys have been scrambling for months to respond to these queries, wasting an enormous amount of time, energy, and resources on something which would have been virtually unheard of in the two prior decades. Informal estimates of the number of such novel USCIS requests this summer were in the thousands, and many of those H-1B petitions are still not yet resolved today. A Wall Street Journal article last month summed up the situation well, including this quote: “The goal of the administration seems to be to grind the process to a halt or slow it down so much that they achieve a reduction in legal immigration through implementation rather than legislation.”

So … what does all of this mean for employers and HR professionals in 2018? The short answer is, nobody knows. Until Congress takes up meaningful immigration reform legislation, it’s likely the various federal agencies will continue to take actions which make the US immigration system effectively unusable for many employers. The economic impacts of that on US industry are obvious. For the busy HR professionals in the day-to-day trenches, that translates to a need to be hyper-diligent about your company’s immigration compliance; to be significantly more proactive about routine work visa sponsorships, than you’ve ever been in the past; and to work even more closely with competent immigration counsel, to help your business units and their critical foreign workers to navigate an ever-changing landscape of unwritten government rules.

As always, DW Immigration is here and on-call to provide that help. For the next 10 days, though, try not to think immigration. Instead, Happy Holidays to All! We look forward to working with you again in 2018 and beyond.


About the Author: Christian Allen is a senior attorney in Dickinson Wright’s Troy office, where he practices exclusively in the area of immigration law.  He has extensive experience guiding employers of all sizes and in all industries through the maze that is the US immigration system. Chris can be reached at 248-433-7299 or CAllen@dickinsonwright.com, and you can visit his bio here. Remember to also subscribe to our All Things HR blog here.

More Than Meets the Eye: Seeing the Smaller Details of the HSA

By: Marsh & McLennan Agency

More Than Meets the Eye: Seeing the Smaller Details of the HSA

Ann Marie Olszewski

Many employers, with plan years renewing on January 1, are currently in the thick of annual enrollment activity. According to Marsh & McLennan Agency’s 2017 Southeast Michigan Mid-Market Group Benefits Survey, 52 percent of employers surveyed offered a qualified high deductible health plan (HDHP) to employees, and about a quarter of all survey participants’ employees are enrolled for this type of coverage.  A health savings account (HSA) is a complex and often confusing component of HDHP enrollment. Communicating the myriad details of the HSA to employees is always a challenge.

Employers typically provide information about the HSA’s annual contribution maximums and expenses eligible for reimbursement. They will usually relate the basic eligibility guidelines. But there are aspects of the HSA that are lesser known, yet likely to affect some account holders and their dependents. We will examine a few of those provisions here.

  • It’s Not Just for Medical Expenses. It is common to think of the HSA only in terms of medical care, but it can also be used to pay for eligible dental, vision and hearing expenses not covered by another health plan. This means an employee can use HSA funds for a hearing aid or orthodontia treatment. It can also be used to pay for COBRA premiums if the employee’s health coverage terminates.
  • HSA Contributions Made by Veterans. A veteran, eligible for Veterans Health Administration (VA) benefits, is unable to make HSA contributions if VA medical benefits for non-preventive care were received in the preceding three months. This rule was amended as of January 1, 2016. Veterans receiving VA benefits for service-related disabilities, who are otherwise eligible to make HSA contributions, may still make tax-deferred HSA contributions.

If you employ any veterans, you may want to point out this important exception to the HSA eligibility rules.

  • Adult Children and HSA Eligibility. The Affordable Care Act allows children to remain covered on a parent’s medical plan through age 26. However, the IRS did not change the definition of an eligible dependent for purposes of the HSA. The child must be the parent’s tax dependent and under age 19, or under age 24 if a full-time student, in order to have expenses paid by the employee’s HSA.

A child who is not the employee’s tax dependent, but is covered by the employee’s HDHP, may be able to open an HSA of his or her own. Interestingly, the child is not limited by the annual HSA contribution for single HDHP coverage. The child may actually contribute up to the amount permitted for family HDHP coverage, because the child is enrolled in a family contract (i.e., at least two members). The employee may also contribute the amount allowed for family HDHP coverage to his or her own HSA.

You may have several employees covering adult children in an HDHP. It would be helpful to remind them that children who are not tax dependents cannot use the employee’s HSA to pay for their expenses. These children should instead consider opening their own accounts.

  • Mid-Year HDHP Enrollment, Coverage Tier Changes, and the Full Contribution Rule. Eligibility to make HSA contributions is determined on a month-by-month basis. You may have new hires enrolling in the HDHP mid-year, or switching from single to family coverage following a status change like marriage. However, this does not mean their total HSA contribution must be pro-rated based on the number of months they were actually eligible to fund the account. In such cases, the employee may make the “full contribution” permitted for the calendar year.

An employee who takes advantage of the Full Contribution Rule is essentially being permitted to overfund the HSA, based on his or her actual monthly eligibility. However, there is one thing the employee must do to avoid being penalized for this later: the employee must remain eligible to continue making HSA contributions during all 12 months of the following calendar year. This does not mean the employee must keep funding the HSA, only that he or she remains eligible to do so during the “testing period” (i.e., stay enrolled in a qualified HDHP, and not be enrolled for other non-qualifying health coverage). Otherwise, any contributions from the prior year, exceeding the amount based on the employee’s actual monthly eligibility, will be treated as income and subject to a 10 percent tax penalty.

Employees need a strong knowledge base in order to take full advantage of their HSAs. By bringing certain features of these accounts to employees’ attention, employers encourage increased awareness and engagement with a consumer-driven approach to health care.

Learn more about MMA Michigan:

Health & Benefits- Troy     Property & Casualty- Livonia

(248) 822-8000                       (734) 525-2463

Find out more & join the conversation on social media! #MMAinsights

Twitter: @mma_michigan

Linkedin: https://www.linkedin.com/company/mma_michigan

Facebook: @marshmma

We look forward to hearing how we can help!

About Marsh & McLennan Agency – Marsh & McLennan Agency LLC, a subsidiary of Marsh, was established in 2008 to meet the needs of midsize businesses in the United States. MMA operates autonomously from Marsh to offer employee benefits, executive benefits, retirement, commercial property & casualty, and personal lines to clients across the United States.

Thrive through Open Enrollment and All Year Long with These Resilience Building Tactics

Author: Susan Morgan Bailey

Summer is nearly over – a signal for many HR and Benefits professionals that Open Enrollment “season” will soon begin.  For many, the time leading up to and through open enrollment (OE) is busy, stressful and exhausting.  Whether or not your organization is, like others reported in the SHRM 2017 Employee Benefits survey, expanding their focus on wellbeing, keeping the health and wellbeing of your team members and yourself top of mind, is the best way to survive OE (and the rest of the year too).

Building resilience is key to managing stress and avoiding exhaustion.  Resilience is the difference between growth or breakdown.  How can you “grow through what you go through” verses end up feeling sick or run down after a particularly challenging time?  Build resilience by cultivating your super powers through attitude, behavior and social support.

If you change the way you look at things, the things you look at change. Wayne Dyer

Begin each work day by remembering you ultimately get to choose how you will feel about that day, the projects on your to-do list and the people you’ll be interacting with.  Your ability to choose your outlook and response to people and situations is a skill you can grow that begins with becoming aware.  Take note of your inner and outer dialogue.  Do you “get to” tell the employees in your organization about all the great benefits and resources you offer to help them being the best, most healthy humans they can be or do you “have to” tell them?   Feel the different sentiment of each of those lead phrases?  Finding opportunities to have an attitude of gratitude – even if you aren’t feeling it – and grow your optimistic mindset will benefit you beyond building resilience.

Take Action: Research shows you can reduce stress and increase happiness through gratitude practice. Start or end your day by writing down three things you are grateful for on a notepad on your desk.

An empty lantern provides no light. Self-care is the fuel that allows your light to shine brightly. Anonymous

Many of us land in HR and benefits roles because we are, by nature, caregivers and helpers who often put others needs before our own.   As the above quote highlights, we can be much more effective at work and at home if we take time to recharge our batteries.   Cultivating resilience depends on nurturing the vessel that propels us through our days. These two behaviors are sure-fire techniques to refuel and maintain balanced energy through stressful times.

Move. Bend, stretch, walk, run or box. Choose a type of physical activity that feels good and schedule time for the activity into your week.  Remember some minutes are better than no minutes.  Apps like Sworkit can provide guidance on what do, in whatever time you have, without special equipment.

Sleep. The percent of people who can survive long-term on 5 or less hours of sleep per night is zero.   Adults need 7-8 hours of sleep per night. Sleep is your body’s recovery time. If we don’t have time to sleep, the body and brain do not have time to rejuvenate.   Consistent sleep habits improve focus, productivity, clean out stress hormones, balance hunger hormones and more.    Have trouble falling asleep and staying asleep? One of these apps might help you get more ZZZZ’s.

Take Action: Habits are easier to create when we intentionally build them in to our daily routine. In the same way you brush your teeth at relatively the same time in a regular pattern of activities each day, examine your day to find a way to make movement and sleep a regular habit.

Good communication must be H.O.T. – Honest, Open and Two-way. Dan Oswald

Research indicates social support is essential to health, wellbeing and longevity.   Lack of social support can be as bad for your health as smoking. Taking time to nurture relationships year-round and making time for socializing and relaxing with friends and family is key to building resilience.  Strong relationships are built on a foundation of honest, open, two-way communication. Don’t assume your family, friends and colleagues understand how you are feeling and what life is like for you during open enrollment season.  Be proactive and share your concerns about the potentially stressful time ahead.  Let them know how they can be helpful and support you.

Take Action: Schedule time to spend time with friends and family.   Whether it’s family dinner at least one night a week or Saturday morning walks with a friend, find time to connect and spend time face-to-face with those you love.

Like many skills, resiliency is one that can be grown with practice.  Begin with an attitude of gratitude, make taking care of yourself a priority habit and nurture your network of support and your resiliency super powers will flourish all year long.

Learn more about MMA Michigan:

Health & Benefits- Troy              Property & Casualty- Livonia

(248) 822-8000                                (734) 525-2463

Find out more & join the conversation on social media! #MMAinsights

Twitter: @mma_michigan

Linkedin: https://www.linkedin.com/company/mma_michigan

Facebook: @marshmma

We look forward to hearing how we can help!

About Marsh & McLennan Agency – Marsh & McLennan Agency LLC, a subsidiary of Marsh, was established in 2008 to meet the needs of midsize businesses in the United States. MMA operates autonomously from Marsh to offer employee benefits, executive benefits, retirement, commercial property & casualty, and personal lines to clients across the United States.

Suicide Can be Prevented, and You Can Help

Submitted by:  Alejandra Juarez, New Directions

As suicide rates climb, it can be hard for HR leaders like you to know if or how you play a role in prevention. Startling statistics growing by the day means everyone can make a difference. As an employer, you can help. Here’s how:

  • Build a healthy workplace: Create an environment that values employees and their families. Strive for a culture that promotes open communication, connection and respect.
  • Promote mental health resources: Fear or stigma is a primary reason why people don’t seek mental health treatment. Constantly remind employees that it’s okay to reach out for help and use an Employee Assistance Program (EAP) or behavioral health benefit. And start at the top – when employees see their CEO paying attention to mental health, they will too.
  • Recognize and respond to suicide warning signs: The number one way to prevent suicide is to educate everyone to recognize the warning signs and respond quickly. Education can take place through manager training programs, company newsletter articles, lunch and learns, staff meetings or company intranets.

Learn more by downloading a free Suicide Awareness Month Resource Toolkit  that includes facts about suicide, ways to prevent it and more on what employers can do. September is Suicide Prevention Awareness Month, but any time of year is good to spread the word about suicide prevention. You can help bring hope. You might even save a life.

Join the conversation on New Directions on LinkedIn or New Directions on Facebook


About New Directions – Founded in 1995, New Directions helps people live healthy, balanced lives. The fast-growing health care company provides managed behavioral health services, an employee assistance program (EAP), student assistance program, organizational consulting, and health coaching to private and public health plans, Fortune 100 companies, large and medium employers, and labor groups.

Back-to-School is a Balancing Act for Working Professionals

By: Ulliance

Back-to-school can be stressful for students returning to classes, but it can also be unsettling for parents…especially for those working 40 (or more) hours a week. Between managing schedules, running the household, and caring for young children, a new school year requires a real balancing act for working professionals. Many parents and their children experience anxiety leading up to the first day back-to-school, and it can linger until everyone’s settled into the new routine. Some may describe this experience as “organized chaos,” trying to purchase school supplies, first day of school outfits, and simply returning to the busyness of autumn.

Here are a few tips to help minimize the back-to-school jitters for both children and parents:

  • Maintain an optimistic attitude – Children are aware of their parents’ emotions. If you’re positive about the first day of school, they will be, too.
  • Start establishing a routine for children several weeks before school begins – Know how cranky you get when you’re tired. Remember that kids don’t have coping skills like adults do. Children require 8-10 hours of sleep, so getting a full night’s sleep will help increase productivity in the classroom.
  • Shift your children into “education” mode – Visit museums and encourage reading to reinvigorate their excitement about learning.
  • Model good behavior in front of children – Once school begins, work on a project while they’re doing homework to teach them the importance of hard work.

For parents struggling with getting into the back-to-school groove, your organization’s employee assistance program can provide support to help manage your sanity that will create a smooth transition for your student. An EAP will also teach you how to effectively manage anxiety and stress that will ultimately translate into increased productivity at home and in the workplace.

Ulliance, an international human resource management service company headquartered in Troy, Michigan, has been helping address personal concerns and working through conflict through its Life Advisor Employee Assistance Program. For more information about Ulliance, please visit www.ulliance.com or call 866-648-8326.

Cyber Attack.. Are You Prepared?

By: Marsh & Mclennan Agency

The threat of a cyber-attack is no longer a case of IF it will happen but WHEN it will happen

How can you protect your organization?

A cyberattack can include a computer virus, phishing, Trojan horse, hacking, ransomware, and unauthorized access to company and customer information.  Cyber liability coverage protects your organization from claims by other individuals or organizations because of a cybercrime. The policy provides support if there are lawsuits against an organization for failing to protect the confidential information of others.  This coverage could be essential.  According to the 2016 Verizon Data Breach Report, the global cost of cybercrime will reach $2 trillion by 2019, a three-fold increase from the 2015 estimate of $500 billion.

An organization may purchase cyber liability coverage for a number of reasons:

  1. The organization will only have to make one call to their insurance carrier if they believe a cyber breach has occurred.  The carrier will manage the breach investigation (invaluable as many companies will not have the resources to manage the breach).
  2. Cyber coverage can also cover the theft of information in paper files (important as companies store years of information both on- and off-site).
  3. ERISA plan fiduciaries may have increased liability.  Fiduciaries should review their TPA’s protection of electronic plan data.
  4. Directors and Officers can have personal liability for failing to implement systems and controls to protect their organization’s data.
  5. There is an increase in cyber coverage requirements for an organization’s contractual obligations with customers.

What may be the most important feature of a cyber liability policy is the support it will provide.  Most cyber liability carriers will hire a forensic specialist to determine if a breach occurred, help determine the scope of the breach, and identify who must receive notification of the breach.

The cyber coverage included in most package policies will not include the scope of coverage that is needed.  It is important to understand not all cyber policies are the same. Cyber liability coverage should be reviewed along with all liability coverage associated with the organization.

What are other organizations doing to protect themselves?

There is relatively little data on what cyber issues small and midsize organizations have been faced with and what things they are doing to protect themselves.  For the last two years, Marsh & McLennan Agency has conducted a cyber survey focusing on small and midsize employers.  This year they are partnering with Marsh and Microsoft to launch its third annual survey.   The intent of the survey is to better understand how they compare to their peers around the country in the areas of cyber exposure, adoption of risk management techniques, and their overall understanding of the risk they face.

In the Marsh & McLennan Agency 2015/2016 cyber survey, they found that 60% of all cyber-attacks struck small to medium-sized businesses because even one successful attack could shut down a company completely because of the enormous costs associated with recovery.  This data is alarming when only 34.6% of these businesses believed the threat of a cyber-attack wouldn’t be severe enough to warrant the investment of time and resources.

The ultimate take away is there are clear benefits from addressing cyber and data security at the executive level.  Starting and maintaining regular discussions about cyber security and loss mitigation techniques can lead your organization to have an active role in safeguarding themselves if – and when – a cyber-attack occurs.

If you are a small to midsize organization, you can contribute your thoughts on cyber risk and participate in the Marsh & McLennan survey by clicking here: www.marshmma.com/2017GlobalCyberSurvey.aspx

Learn more about MMA Michigan:

Health & Benefits- Troy                 Property & Casualty- Livonia

(248) 822-8000                                 (734) 525-2463

Find out more & join the conversation on social media! #MMAinsights

Twitter: @mma_michigan

Linkedin: https://www.linkedin.com/company/mma_michigan

Facebook: @marshmma

About Marsh & McLennan Agency – Marsh & McLennan Agency LLC, a subsidiary of Marsh, was established in 2008 to meet the needs of midsize businesses in the United States. MMA operates autonomously from Marsh to offer employee benefits, executive benefits, retirement, commercial property & casualty, and personal lines to clients across the United States.

Get Out of the Shade: Shed Some Light on Your Benefit Plans

By: Ann Marie Olszewski

Depending on when your plan year renews, the summer months may be relatively quiet from a benefits perspective. Annual enrollment may have recently ended, or you may be just beginning the planning process for 2018. Take advantage of the lull by reminding your employees about the benefits available to them, and how they can be used to greater personal advantage.

Here are some items to think about:

  • EAP? What’s that? An Employee Assistance Program (EAP) may be included, at no additional cost, with your company’s life or disability coverage. You may also be paying a fee for upgraded benefits. But chances are, no matter how robust your EAP, your employees have forgotten about it!

Contact your EAP for an updated brochure, as well as information about other perks that may be included, such as will preparation. By distributing such materials mid-year, you shine a spotlight on a benefit that’s easily disregarded during the rush of annual enrollment. Remind employees of what the EAP provides: Free face-to-face counseling sessions? Personalized community referrals on everything from child care to finding a dog trainer? Financial resources to help you manage debt and create a budget? By keeping this benefit consistently in front of employees, they are more likely to recognize its usefulness in all types of situations.

  • Have you seen your doctor lately? According to the Centers for Disease Control and Prevention, Americans access preventive services at around half the recommended rate. Your company’s medical plan likely covers the entire cost of certain preventive services, including wellness exams, mammograms and vaccinations. Consider issuing a communication piece to remind employees that there is no cost-sharing for such services when they use a network provider. But cost is only part of the issue – employees may not recognize the importance of seeing a doctor when they feel well. Be sure to stress that early detection of silent or minor conditions can save them money and maintain their good health in the future.
  • What they don’t know . . . is a great opportunity. Employees may not understand how their health plan works, especially if it’s a consumer-driven health plan (CDHP) with an associated health savings account (HSA). Take some time now to provide brief but carefully targeted communication pieces that explain difficult concepts, such as a person’s eligibility to make and receive HSA contributions.

Similarly, perhaps some of your benefit plans offer unexpected perks, such as hearing aid discounts for members enrolled for vision coverage. Contact your carriers for flyers, payroll stuffers and other associated materials that shine a light on these value-added benefits.

Think of mid-year communications as a kind of “continuing education.” Keep rolling out information during the year, so employees will understand more about your company’s benefit plans and be better prepared to make thoughtful decisions during annual enrollment.

  • Don’t forget about wellness. If your company’s wellness plan collects health information from participants, you need to give advance notice to employees about the program so they can decide whether to participate. For example, if your plan year renews on January 1, 2018, and you will conduct biometric screenings this fall, you could issue this notice to employees during the summer.

This notice is required by the EEOC for plan years beginning on or after January 1, 2017. If you choose, you can develop your own notice, as long as it clearly explains what information will be collected, who will receive it, how it will be used, and the steps taken to maintain its confidentiality. However, to make this easier, the EEOC has provided a sample notice, which you should customize based on the specifics of your company’s wellness plan.

Many employees pay scant attention to their benefits package, even if they think it’s important to have coverage. To better incorporate your benefits into a total health and wellbeing strategy, don’t limit communications to new hires and at annual enrollment. Remind employees, throughout the year, of how their various benefits protect them and their families, and assist them in maintaining their health and lifestyle. Regular, concise communication is critical to increasing their knowledge, appreciation and participation in your company’s benefit programs.


Learn more about MMA Michigan:

Health & Benefits Troy: (248) 822-8000

Property and Casualty Livonia: (734) 525-2463

Find out more & join the conversation on social media! #MMAinsights

Twitter: @mma_michigan

Linkedin: https://www.linkedin.com/company/mma_michigan

Facebook: @marshmma

We look forward to hearing how we can help!

About Marsh & McLennan Agency – Marsh & McLennan Agency LLC, a subsidiary of Marsh, was established in 2008 to meet the needs of midsize businesses in the United States. MMA operates autonomously from Marsh to offer employee benefits, executive benefits, retirement, commercial property & casualty, and personal lines to clients across the United States.

Stepping Into a Healthy Habit at Work

Whether or not you achieve it, who in the age of the Fitbit isn’t aware of the 10,000 steps-a-day goal to better health? Many of us are completely obsessed. Water cooler conversation at work has shifted from dissecting scenes of a favorite TV show or the latest sports team win, to ways in which we route, trudge along and track our trail to wellness.

With one health study after the other trumpeting the benefits of walking, the desire to pound the pavement has never been greater – even for those who never come close to 10,000 steps a day. Just putting one foot in front of the other can help:

  • Maintain a healthy weight
  • Prevent or manage various conditions, including heart disease, high blood pressure, cancer, type 2 diabetes and even dementia
  • Strengthen bones and muscles
  • Improve mood and increase energy
  • Enhance balance and coordination

While walking benefits each of us personally, it also benefits the workplace. Employees who walk at work, be it five minutes between meetings or 30 minutes during lunch, return refreshed, better focused and energized. Walking with others is a social activity that provides a valuable networking opportunity.

According to statistics from the British Heart Foundation, the benefits of employees walking at work are measurable and significant:

  • Physically active employees take 27 percent less sick days than non-active employees.
  • Individual work performance can improve 4 – 15 percent when employees engage in regular physical activity.
  • Staff turnover can be reduced 8 – 13 percent for organizations that offer an on-site fitness program.

For HR professionals looking to take the first step in launching a walking program, the Centers for Disease Control and Prevention offers a 4-week Walking Campaign toolkit click here, complete with fliers, e-blasts, a pocket guide, sample texts for mobile applications and electronic encouragement cards to get employees up and out of their seats.

Walking is just one of many health habits a comprehensive Life Advisor Wellness Program from Ulliance offers employees in the quest to balance their personal life with their work life … and improving the bottom line in the process. For more information about Ulliance, visit www.ulliance.com or call 866-648-8326.