Rewarding Healthy Behaviors Summit
       San Diego: Jan 30-31
   Colleen Reilly, President Total Well-Being
Revolutionize your Wellness Program:
Increase Engagement and Get Results

5 Key Areas of innovation
    –    Health & Productivity Model
    –    Social Networking
    –    Gamification
    –    Integration
    –    Results Based Wellness
Skills & Strategies for the 3 Biggest Challenges
     –    Lack of Time
     –    Lack of Motivation
     –    Communications
Who is Leading the Way
   –     Limeade
   –     Keas
   –     Red Brick
Case Studies
   –    Small, Medium and Large Employee Base



                             www.employeetotalwellbeing.com   2
                                    303.696.5420
5 Key Areas of Innovation

       •   Health & Productivity
       •   Social Networking
       •   Gamification
       •   Behavioral Economics
       •   Results Based
           Wellness




                www.employeetotalwellbeing.com   3
                       303.696.5420
1. Health & Productivity




        www.employeetotalwellbeing.com   4
               303.696.5420
Where We Are Going



  YESTERDAY             TODAY                     TOMORROW



   Quality of        Traditional                    Health &
                                                  Productivity
   Work Life         Approach
                                                  Management


                       Activity                    Results
  Fun oriented         oriented                    oriented

                 www.employeetotalwellbeing.com                  5
                        303.696.5420
Traditional Population Health Management


     Traditional PHM programs work, but there are still
         challenges:
                                                          Lack of
                                                           engagement
                                                           and retention

                                                          Forced and
                                                           not fun

                                                          Lack of
                                                           sustainable
                                                           behavior
                                                           change




                      www.employeetotalwellbeing.com             6
                             303.696.5420
The Drivers
          Behaviors and
         measures linked to
           health costs




                                                                   Work factors that
     Underlying behavioral
                                                                  predict performance
      & emotional drivers
                                                                        & profit
        of productivity
          and health




Our 100% evidence-based approach—from global leaders in health & human capital—
 predicts 10x more of the variance in productivity than health-risk-only approaches.


                              www.employeetotalwellbeing.com               7
                                     303.696.5420
But there’s more to high performance…




                www.employeetotalwellbeing.com   8
                       303.696.5420
The Wellness Blueprint

  •It’s proven, and it focuses on risk and cost

                                                 GAINS FROM
         BUSINESS METRICS
                                           IMPLEMENTING WELLNESS
        % change in sick leave                           -25.3%

       % change in health costs                          -26.5%

  % change in workers’ compensation                      -40.7%

   % change in disability management                     -24.2%

        Cost / Benefit Ratio                             5.8x



                        www.employeetotalwellbeing.com            9
                               303.696.5420
2. Social Networking




     www.employeetotalwellbeing.com   10
            303.696.5420
Does the social play a role in wellness?




“People are connected, and
so their      health is
connected.”
•- Nicholas Christakis, M.D.




                               www.employeetotalwellbeing.com   11
                                      303.696.5420
According to Dr. Christakis…


SOCIAL CONTAGION
•Increased risk of an
                                                                    “…the relevance of SOCIAL
                                                                     INFLUENCE also suggests
individual becoming obese
                                                                   that it may be possible to
when a person in his social                                                     harness
network becomes obese:                                                 this same force to slow
                                                171%
                                                                         the spread of obesity.

     No
 Increased                                                          NETWORK PHENOMENON
                37%              40%
    Risk                                                              might be exploited to
  •Neighbor      •Spouse         •Sibling      •Mutual friend         spread positive health
                                                                           behaviors.”
     •The Spread of Obesity in a Large Social Network over 32 Years,
     •Nicholas A. Christakis, M.D., Ph.D., M.P.H., and James H. Fowler, Ph.D.


                                      www.employeetotalwellbeing.com                   12
                                             303.696.5420
MAKES WELLNESS FUN!
       Challenges and groups | Activity plan sharing
Peer-to-peer invitations | Peer coaching | Profile searching
                  www.employeetotalwellbeing.com    13

                                •
                         303.696.5420
3. Gamification




   www.employeetotalwellbeing.com   14
          303.696.5420
Gamification

 The gamification of incentive programs describes the use of
 “game-play” elements from online social games to promote
 employee productivity and health




                        www.employeetotalwellbeing.com         15
                               303.696.5420
Gamification

Gamification has been utilized in employee training
and wellness programs to track progress while also
providing recognition and rewards
Examples of gamification elements in employee
wellness programs
         •Electronic badges
         •Leaderboard recognition
         •Achievement levels
         •Online challenges

These elements have been successfully utilized in:
    •Employee weight loss competitions
    •Fitness and nutrition challenges




                               www.employeetotalwellbeing.com   16
                                      303.696.5420
4. Integration



   www.employeetotalwellbeing.com   17
          303.696.5420
The 3 Pillars of Engagement




      Culture

                 Communications

                                                 Incentives




                www.employeetotalwellbeing.com                18
                       303.696.5420
Create Breakthrough Results


                                                   Resolution:
                                                  0–9% Trend




   Conflict:
Beat 14% Trend

                 www.employeetotalwellbeing.com        19
                        303.696.5420
To change behavior, change offer and delivery


      Programmatic

                                                                       Integrated




                Platform can improve overall health and productivity through:
                • Robust wellness offerings with incentives
                • Consumer-driven health plan
                • Self-service tools



                          www.employeetotalwellbeing.com                        20
                                 303.696.5420
Wellness & Benefits Framework




               www.employeetotalwellbeing.com   21
                      303.696.5420
Fit Your Culture


Comprehensive
                        Fits Your Culture                Fits Your Goals
Awareness                                                80% Participation
Well Being Assessment                                    75% Engagement
Biometric Screening


Actions                 Fits Busy Lives
Challenges
                                                         Simple
Social
                        Mobile. Games. Devices.          Easy to use.
Mobile & Devices                                         Easy to manage.
Routing to Resources


Rewards
Incentives
Real-time Reporting



                        www.employeetotalwellbeing.com                     22
                               303.696.5420
5. Results-Based Wellness




        www.employeetotalwellbeing.com   23
               303.696.5420
www.employeetotalwellbeing.com   24
       303.696.5420
www.employeetotalwellbeing.com   25
       303.696.5420
What is going on?

                  Insurance Increases Over Last 10 Years
           150%                                        131%

           100%

            50%
                        14%             15%
             0%
                         Life          Auto           Health
   Key Things to Note:
       •   Auto and Life Insurance are both based on personal responsibility
       •   Health Insurance is NOT!
       •   When personal responsibility is introduced it can motivate:
            • Positive Actions
            • Lower Costs

                            www.employeetotalwellbeing.com                     26
                                   303.696.5420
Best Practices for Results-Based Wellness

  1. Develop long term strategy

  2. Understand the law

  3. Identify criteria/standards that will be used in your program

  4. Identified baseline data

  5. Identify a reasonable alternative

  6. Communication




                        www.employeetotalwellbeing.com           27
                               303.696.5420
Legalities- 5 Things You Need to Know


 1. Must be re-assessed at least once per year

 2. Must be designed to promote health and wellness

 3. May not exceed 20% of total cost of coverage offered

 4. Must be available to all "similarly situated individuals" appeals and
    "reasonable alternative" must be offered and wellness exemption for
    participants that it is medically inadvisable to reach the wellness results

 5. Must disclose the availability of the appeal in all plan materials




                            www.employeetotalwellbeing.com                  28
                                   303.696.5420
Time




www.employeetotalwellbeing.com   29
       303.696.5420
Keep It Simple




                 www.employeetotalwellbeing.com   30
                        303.696.5420
Make Time for Health


  •Set a plan: schedule healthy meals and workouts
  ahead of time

  •Divide and conquer: if you are particularly busy, split
  up fitness activities into manageable 15 minute
  sessions

  •Socialize and get healthy: spend time with a friend or
  family member while walking, hiking, doing yoga, or
  cooking



                     www.employeetotalwellbeing.com      31
                            303.696.5420
Motivation



 www.employeetotalwellbeing.com   32
        303.696.5420
Behavioral Economics


•   Rule 1: Prospect Theory — We hate losses more than we love gains.
•   Rule 2: Discounting — We like certainty more than uncertainty.
•   Rule 3: Framing — We view economic losses or gains in context.
•   Rule 4: Endowment Effect — We like what is already ours.
•   Rule 5: Optimism — We overestimate our chance of success.
•   Rule 6: Fairness — We abhor anything that appears unfair.
•   Rule 7: Availability — We are more motivated by stories than by
    statistics.




                        www.employeetotalwellbeing.com         33
                               303.696.5420
We’re Always Making Choices




                                                 important to me
  good for me                                    right now
                              vs




                www.employeetotalwellbeing.com            34
                       303.696.5420
Communication




   www.employeetotalwellbeing.com   35
          303.696.5420
Communication




Communication – all about the source, content, style, channel, frequency
 Goal: raise awareness, motivate, involve, engage
 Results: understanding, support, accomplishment, engagement
                                                                 36
                         www.employeetotalwellbeing.com
                                303.696.5420
Video Examples



• http://www.youtube.com/watch?v=aUaInS
  6HIGoNelnet

• http://employeetotalwellbeing.com/




               www.employeetotalwellbeing.com   37
                      303.696.5420
Leaders



www.employeetotalwellbeing.com   38
       303.696.5420
Limeade

•Limeade specializes in online corporate wellness
•By using the Limeade system, employers can launch challenges, perform
assessments, and promote wellness programs

•Limeade allows employees to set and track goals while earning incentives




                           www.employeetotalwellbeing.com              39
                                  303.696.5420
KEAS
•Keas is a corporate wellness provider that combines social media and online
games to promote employee health and productivity
•The online program can be accessed via home computer and mobile phone




                               www.employeetotalwellbeing.com                  40
                                      303.696.5420
Case Studies



   www.employeetotalwellbeing.com   41
          303.696.5420
What is Nelnet?




                  www.employeetotalwellbeing.com   42
                         303.696.5420
Wellness Framework




                                                         IMPACT
                                            EFFECT
                INTERVENTION
  NEEDS




   IDENTIFY ISSUES… BUILD PROGRAM…CHANGE BEHAVIORS… MAKE A DIFFERENCE




                      www.employeetotalwellbeing.com         43
                             303.696.5420
Wellness Framework- More Detailed

                          GOALS
                 Employee Engagement
             Innovative Solutions and Delivery



              METRICS / DESIRED OUTCOMES
                  Financial Performance
                  Consumer Engagement
                    Population Health



                    STRATEGIC LEVERS
                   Strategy and Governance
                     Change Management
                    Financial Management
                            Delivery
                            Design

                  www.employeetotalwellbeing.com   44
                         303.696.5420
To change behavior, change offer & delivery



    Programmatic                                                   Integrated


    Wellness          Medical                                    Integrated
    programs          benefit            EAP
                                                                 Wellness &
                                     HRA
                                                                  Benefits
      Disability
                     Absence

                   Platform can improve overall health and productivity through:
                   • Robust wellness offerings with incentives
                   • Consumer-driven health plan
                   • Self-service tools


                             www.employeetotalwellbeing.com                        45
                                    303.696.5420
Senior Management Support




                                          Buy in from key players:
                                             Wellness Steering Committee
                                             Wellness & Benefits Advisory
                                              Committee
                                             Wellness & Safety Leaders
                                             Wellness Champions


                    www.employeetotalwellbeing.com                  46
                           303.696.5420
Cross Country Chase


                                                •Physical activity team
                                                challenge

                                                •Teams lead by 3 key
                                                executive leaders
                                                (CEO, CFO, President)

                                                •High participation and
                                                competition




               www.employeetotalwellbeing.com                     47
                      303.696.5420
Wellness & Benefits Plan Design


   Mandate to complete Health Screening and Well-Being
    Assessment for Medical Benefits Eligibility

   Earn 2500 Wellness Points quarterly and earn up to $1200 into
    Health Savings Account

   Meet Nelnet Biometric Screening Goals and earn 20% of Health
    Care premiums

   Meet Biometric National Guidelines and be entered into a raffle
    for FREE health care premiums for one year.




                       www.employeetotalwellbeing.com          48
                              303.696.5420
Nelnet Medical Trend



 $16,000,000
 $14,000,000
 $12,000,000
 $10,000,000
  $8,000,000
  $6,000,000
  $4,000,000
  $2,000,000
         $0
               2006      2007        2008         2009   2010




                      www.employeetotalwellbeing.com            49
                             303.696.5420
Recognition


         THE FABULOUS MELISSA DUNN!
          TODAY!

          BEFORE                  Congratulations
                                     Melissa!




     BEFORE




               www.employeetotalwellbeing.com       50
                      303.696.5420
Thank You!

C. Reilly rewarding healthy behaviors summit

  • 1.
    Rewarding Healthy BehaviorsSummit San Diego: Jan 30-31 Colleen Reilly, President Total Well-Being
  • 2.
    Revolutionize your WellnessProgram: Increase Engagement and Get Results 5 Key Areas of innovation – Health & Productivity Model – Social Networking – Gamification – Integration – Results Based Wellness Skills & Strategies for the 3 Biggest Challenges – Lack of Time – Lack of Motivation – Communications Who is Leading the Way – Limeade – Keas – Red Brick Case Studies – Small, Medium and Large Employee Base www.employeetotalwellbeing.com 2 303.696.5420
  • 3.
    5 Key Areasof Innovation • Health & Productivity • Social Networking • Gamification • Behavioral Economics • Results Based Wellness www.employeetotalwellbeing.com 3 303.696.5420
  • 4.
    1. Health &Productivity www.employeetotalwellbeing.com 4 303.696.5420
  • 5.
    Where We AreGoing YESTERDAY TODAY TOMORROW Quality of Traditional Health & Productivity Work Life Approach Management Activity Results Fun oriented oriented oriented www.employeetotalwellbeing.com 5 303.696.5420
  • 6.
    Traditional Population HealthManagement Traditional PHM programs work, but there are still challenges:  Lack of engagement and retention  Forced and not fun  Lack of sustainable behavior change www.employeetotalwellbeing.com 6 303.696.5420
  • 7.
    The Drivers Behaviors and measures linked to health costs Work factors that Underlying behavioral predict performance & emotional drivers & profit of productivity and health Our 100% evidence-based approach—from global leaders in health & human capital— predicts 10x more of the variance in productivity than health-risk-only approaches. www.employeetotalwellbeing.com 7 303.696.5420
  • 8.
    But there’s moreto high performance… www.employeetotalwellbeing.com 8 303.696.5420
  • 9.
    The Wellness Blueprint •It’s proven, and it focuses on risk and cost GAINS FROM BUSINESS METRICS IMPLEMENTING WELLNESS % change in sick leave -25.3% % change in health costs -26.5% % change in workers’ compensation -40.7% % change in disability management -24.2% Cost / Benefit Ratio 5.8x www.employeetotalwellbeing.com 9 303.696.5420
  • 10.
    2. Social Networking www.employeetotalwellbeing.com 10 303.696.5420
  • 11.
    Does the socialplay a role in wellness? “People are connected, and so their health is connected.” •- Nicholas Christakis, M.D. www.employeetotalwellbeing.com 11 303.696.5420
  • 12.
    According to Dr.Christakis… SOCIAL CONTAGION •Increased risk of an “…the relevance of SOCIAL INFLUENCE also suggests individual becoming obese that it may be possible to when a person in his social harness network becomes obese: this same force to slow 171% the spread of obesity. No Increased NETWORK PHENOMENON 37% 40% Risk might be exploited to •Neighbor •Spouse •Sibling •Mutual friend spread positive health behaviors.” •The Spread of Obesity in a Large Social Network over 32 Years, •Nicholas A. Christakis, M.D., Ph.D., M.P.H., and James H. Fowler, Ph.D. www.employeetotalwellbeing.com 12 303.696.5420
  • 13.
    MAKES WELLNESS FUN! Challenges and groups | Activity plan sharing Peer-to-peer invitations | Peer coaching | Profile searching www.employeetotalwellbeing.com 13 • 303.696.5420
  • 14.
    3. Gamification www.employeetotalwellbeing.com 14 303.696.5420
  • 15.
    Gamification The gamificationof incentive programs describes the use of “game-play” elements from online social games to promote employee productivity and health www.employeetotalwellbeing.com 15 303.696.5420
  • 16.
    Gamification Gamification has beenutilized in employee training and wellness programs to track progress while also providing recognition and rewards Examples of gamification elements in employee wellness programs •Electronic badges •Leaderboard recognition •Achievement levels •Online challenges These elements have been successfully utilized in: •Employee weight loss competitions •Fitness and nutrition challenges www.employeetotalwellbeing.com 16 303.696.5420
  • 17.
    4. Integration www.employeetotalwellbeing.com 17 303.696.5420
  • 18.
    The 3 Pillarsof Engagement Culture Communications Incentives www.employeetotalwellbeing.com 18 303.696.5420
  • 19.
    Create Breakthrough Results Resolution: 0–9% Trend Conflict: Beat 14% Trend www.employeetotalwellbeing.com 19 303.696.5420
  • 20.
    To change behavior,change offer and delivery Programmatic Integrated Platform can improve overall health and productivity through: • Robust wellness offerings with incentives • Consumer-driven health plan • Self-service tools www.employeetotalwellbeing.com 20 303.696.5420
  • 21.
    Wellness & BenefitsFramework www.employeetotalwellbeing.com 21 303.696.5420
  • 22.
    Fit Your Culture Comprehensive Fits Your Culture Fits Your Goals Awareness 80% Participation Well Being Assessment 75% Engagement Biometric Screening Actions Fits Busy Lives Challenges Simple Social Mobile. Games. Devices. Easy to use. Mobile & Devices Easy to manage. Routing to Resources Rewards Incentives Real-time Reporting www.employeetotalwellbeing.com 22 303.696.5420
  • 23.
    5. Results-Based Wellness www.employeetotalwellbeing.com 23 303.696.5420
  • 24.
  • 25.
  • 26.
    What is goingon? Insurance Increases Over Last 10 Years 150% 131% 100% 50% 14% 15% 0% Life Auto Health Key Things to Note: • Auto and Life Insurance are both based on personal responsibility • Health Insurance is NOT! • When personal responsibility is introduced it can motivate: • Positive Actions • Lower Costs www.employeetotalwellbeing.com 26 303.696.5420
  • 27.
    Best Practices forResults-Based Wellness 1. Develop long term strategy 2. Understand the law 3. Identify criteria/standards that will be used in your program 4. Identified baseline data 5. Identify a reasonable alternative 6. Communication www.employeetotalwellbeing.com 27 303.696.5420
  • 28.
    Legalities- 5 ThingsYou Need to Know 1. Must be re-assessed at least once per year 2. Must be designed to promote health and wellness 3. May not exceed 20% of total cost of coverage offered 4. Must be available to all "similarly situated individuals" appeals and "reasonable alternative" must be offered and wellness exemption for participants that it is medically inadvisable to reach the wellness results 5. Must disclose the availability of the appeal in all plan materials www.employeetotalwellbeing.com 28 303.696.5420
  • 29.
  • 30.
    Keep It Simple www.employeetotalwellbeing.com 30 303.696.5420
  • 31.
    Make Time forHealth •Set a plan: schedule healthy meals and workouts ahead of time •Divide and conquer: if you are particularly busy, split up fitness activities into manageable 15 minute sessions •Socialize and get healthy: spend time with a friend or family member while walking, hiking, doing yoga, or cooking www.employeetotalwellbeing.com 31 303.696.5420
  • 32.
  • 33.
    Behavioral Economics • Rule 1: Prospect Theory — We hate losses more than we love gains. • Rule 2: Discounting — We like certainty more than uncertainty. • Rule 3: Framing — We view economic losses or gains in context. • Rule 4: Endowment Effect — We like what is already ours. • Rule 5: Optimism — We overestimate our chance of success. • Rule 6: Fairness — We abhor anything that appears unfair. • Rule 7: Availability — We are more motivated by stories than by statistics. www.employeetotalwellbeing.com 33 303.696.5420
  • 34.
    We’re Always MakingChoices important to me good for me right now vs www.employeetotalwellbeing.com 34 303.696.5420
  • 35.
    Communication www.employeetotalwellbeing.com 35 303.696.5420
  • 36.
    Communication Communication – allabout the source, content, style, channel, frequency  Goal: raise awareness, motivate, involve, engage  Results: understanding, support, accomplishment, engagement 36 www.employeetotalwellbeing.com 303.696.5420
  • 37.
    Video Examples • http://www.youtube.com/watch?v=aUaInS 6HIGoNelnet • http://employeetotalwellbeing.com/ www.employeetotalwellbeing.com 37 303.696.5420
  • 38.
  • 39.
    Limeade •Limeade specializes inonline corporate wellness •By using the Limeade system, employers can launch challenges, perform assessments, and promote wellness programs •Limeade allows employees to set and track goals while earning incentives www.employeetotalwellbeing.com 39 303.696.5420
  • 40.
    KEAS •Keas is acorporate wellness provider that combines social media and online games to promote employee health and productivity •The online program can be accessed via home computer and mobile phone www.employeetotalwellbeing.com 40 303.696.5420
  • 41.
    Case Studies www.employeetotalwellbeing.com 41 303.696.5420
  • 42.
    What is Nelnet? www.employeetotalwellbeing.com 42 303.696.5420
  • 43.
    Wellness Framework IMPACT EFFECT INTERVENTION NEEDS IDENTIFY ISSUES… BUILD PROGRAM…CHANGE BEHAVIORS… MAKE A DIFFERENCE www.employeetotalwellbeing.com 43 303.696.5420
  • 44.
    Wellness Framework- MoreDetailed GOALS Employee Engagement Innovative Solutions and Delivery METRICS / DESIRED OUTCOMES Financial Performance Consumer Engagement Population Health STRATEGIC LEVERS Strategy and Governance Change Management Financial Management Delivery Design www.employeetotalwellbeing.com 44 303.696.5420
  • 45.
    To change behavior,change offer & delivery Programmatic Integrated Wellness Medical Integrated programs benefit EAP Wellness & HRA Benefits Disability Absence Platform can improve overall health and productivity through: • Robust wellness offerings with incentives • Consumer-driven health plan • Self-service tools www.employeetotalwellbeing.com 45 303.696.5420
  • 46.
    Senior Management Support Buy in from key players:  Wellness Steering Committee  Wellness & Benefits Advisory Committee  Wellness & Safety Leaders  Wellness Champions www.employeetotalwellbeing.com 46 303.696.5420
  • 47.
    Cross Country Chase •Physical activity team challenge •Teams lead by 3 key executive leaders (CEO, CFO, President) •High participation and competition www.employeetotalwellbeing.com 47 303.696.5420
  • 48.
    Wellness & BenefitsPlan Design  Mandate to complete Health Screening and Well-Being Assessment for Medical Benefits Eligibility  Earn 2500 Wellness Points quarterly and earn up to $1200 into Health Savings Account  Meet Nelnet Biometric Screening Goals and earn 20% of Health Care premiums  Meet Biometric National Guidelines and be entered into a raffle for FREE health care premiums for one year. www.employeetotalwellbeing.com 48 303.696.5420
  • 49.
    Nelnet Medical Trend $16,000,000 $14,000,000 $12,000,000 $10,000,000 $8,000,000 $6,000,000 $4,000,000 $2,000,000 $0 2006 2007 2008 2009 2010 www.employeetotalwellbeing.com 49 303.696.5420
  • 50.
    Recognition THE FABULOUS MELISSA DUNN! TODAY! BEFORE Congratulations Melissa! BEFORE www.employeetotalwellbeing.com 50 303.696.5420
  • 51.