Health

Offering flexibility in the workplace has become more commonplace, with more employers seeing the value of providing a greater variety of benefits and allowing employees to select the most suitable option for themselves and their families. However, some employers are still struggling with the flex benefits design and implementation. This is because employers are using traditional approaches to building and communicating benefits choices. Flexible benefits programs require a face-lift in the digital age, and this is accomplished through the use of data analytics and personalized communication. Today's employees not only expect more personalized benefits but also guidance on how to use them in an easily accessible way. They want to be able to access personal data insights at any time with any device. By integrating data with technology, employers can offer a "personal coach" on-demand that provides: 1.  Self-assessments that help employees understand what benefits they may need, enabling employees to select suitable benefits choices. 2.  Easy access to claims history to understand past needs and help inform future ones. 3.  An online marketplace for employees to purchase additional benefits, like travel insurance, fitness activity trackers or DNA screenings. 4.  Helpful medical cost information, such as average cost of clinical consultations, typical hospital surgery costs, etc., for employees to make smart choices. 5.  Interactive guidebook to illustrate benefits offerings to support employees through their life events, such as marriage, birth of newborn, promotion, etc. 6.  Reminders for employees to take action on their benefits. 7.  A tailored rewards statement to help an employee better understand the value of their benefits package. But the advantages of data analytics aren't just for employees. Employers can leverage real-time data using an online platform to better understand how benefits are being utilized. With the click of a button, you can see data charts and insights, like employees' selections, program usage and demographics for specific countries, using real-time data insights. This enables employers to review program effectiveness and make decisions on the plan design based on real-life data points. With the right technology and analytics mixed with personalized communication, the full potential of flex benefits programs can be realized. This not only has huge returns for an employer but also the employee. In fact, a recent Thomsons Online Benefits report found that 79% of employees surveyed who reported a variety of benefits to choose from also said they would recommend their employer to a friend. Using data analytics coupled with targeted communication enhances the employee experience and helps companies maximize the ROI for the benefits it provides its workforce. With flex benefits playing such a big role in staff retention and bringing on new talent, can you afford to miss out by using old methods?

Alice Peng | 20 Sep 2019
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Health

Typically, when weighing the pros and cons of a job, people consider the salary, the location, and the opportunities for professional growth and personal fulfillment. But here is a new consideration: quality of life. Welcome to working in a world forever altered by climate change, escalating populations and urban sprawl. These global environmental problems are impacting some regions particularly hard, most notably Asia and its megacities. What Is 6.3 Days a Year Worth to You?   According to a recent Mercer Marsh Benefits research report, “Medical Trends Around the World 2018,” the leading health risk to Asian employees is environmental risks, especially indoor/outdoor air pollution. Respiratory illnesses and related diseases are at disturbing levels across Asia, where medical inflation is around 10% for the entire region.[1] The stakes are high for Asian economies, including China, which is the world’s second-largest economy, employing more than 774.5 million people. Many decades of unbridled growth and lax environmental laws have taken a devastating toll on China and its workforce, especially its urban areas. Workers in Asian megacities, particularly in northern China, are familiar with the terminology of pollution. Particle matter (PM) count is just another component of the weather, like the percent chance of rain or the air temperature. Residents of megacities know that a PM 2.5 means hazardous pollution levels, and to mitigate activities that involve breathing unhealthy air. Going for a jog or commuting to work by bicycle without wearing a mask can contribute to debilitating health consequences. Companies are, however, taking steps to defend the health of their employees, by providing preventative solutions such as indoor air purifiers, offering educational programs (including smoking cessation), and allowing flex scheduling on days with high PM levels. But more needs to be done. The Guardian reports that China and India are attributed with half of all premature pollution-related deaths in 2015, which amounts to about 6.5 million deaths every year, according to a WHO study on indoor and outdoor pollution.[2] The destructive consequences of bad air in Asia have become unavoidable workplace issues, with employers and employees finally acknowledging the costs to health and productivity. For some perspective, the German Institute of Global and Area Studies discovered that high-level filtration systems could improve the life expectancy of office staff, in one organization’s China office, by an average of 6.3 days a year. Consider that for a minute: losing about a week of your life every year because you live and work in a city plagued by pollution. High-level filtration system? Yes, please. Environmental Heroes: Asia’s Growing Middle Class   Something interesting happens when families enter the middle class and become accustomed to a higher quality of life. Instead of fighting for survival and worrying from one day to the next about how to provide for their children, they increasingly engage with the world around them. They purchase and enjoy the nice shoes they’ve always wanted. They buy healthier ingredients and eat healthier foods. They take time to appreciate life and leisure, instead of being constantly overwhelmed by the struggle to simply exist. For an emerging middle class, quality of life factors—like health and fitness—become a regular expectation. Asia’s growing middle class does not expect to work in environments—workplaces included—that threaten their well-being. These rising expectations are driving an environmental movement across Asia. Take China, for example, where middle-class demands for better conditions are urging the Chinese government to take action. In fact, China revised the Air Pollution Prevention Law in 2014, which defined local governments’ rights and responsibilities in air pollution control. In January 2018, China launched a government initiative to assess and address public health issues created by environmental pollution.[3] These efforts signify a monumental shift in government policy as it officially recognizes the problem, and thereby invites a discussion about the cost of economic expansion as it relates to the health of its citizens and employees. The Way Forward: Innovating for a Healthy Workforce   Asia, like the rest of the world, has a long way to go in pollution reduction. However, there is no progress unless there is first an acknowledgment of the problem, and secondly, real resources are mobilized and marshalled in the right direction. Asia’s governments, employers, and people are focused on the continued growth of the region’s economies, but these endeavors cannot reach their full potential if pollution and unhealthy conditions undermine the productivity of Asian workforces. To solve these formidable environmental problems, Asia and the international community, must rely on human ingenuity and innovation to clean up the mess we have made and left for our children—the world’s future workforce. The air pollution problem in Asia may inspire real, meaningful change.[4] Megacities and local governments are working hard to improve conditions and grow beyond the images of smog-plagued urban settings posted on the Internet. This bodes well for the region’s employers, employees, and expats who make a living in these metropolises. And if you need any evidence of Asia’s commitment to improving air pollution levels, check out the “world’s biggest air purifier” that China just built. For residents and employees in Xi'an, China, it just may be a lifesaver. 1 2018 Mercer Marsh Benefits Medical Trend Survey https://www.mercer.com/our-thinking/health/mercer-marsh-benefits-medical-trends-survey-2018.html 2 How Clean Indoor Air Is Becoming China's Latest Luxury Must-have Helen Roxburgh - https://www.theguardian.com/cities/2018/mar/27/china-clean-air-indoor-quality-shanghai-cordis-hongqiao-filters 3 China To Monitor Human Health Impacts Of Pollution For First Time Li Jing - http://www.climatechangenews.com/2018/01/31/china-monitor-human-health-impacts-pollution-first-time/ 4 How a 'toxic Cocktail' Is Posing a Troubling Health Risk in China's Cities https://e360.yale.edu/features/how-a-toxic-cocktail-is-posing-a-troubling-health-risk-in-chinese-cities

Alice Peng | 17 Sep 2018
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