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R&R Insurance Blog

Workplace Wellness: How to Manage a Generationally Diverse Workforce

Posted by Tricia Dretzka-Kaye

iStock_82857389_LARGE.jpgWhether embedding a “health-first” mentality into an employer brand proposition or developing a multi-channel communication system to better deliver health messages to all employees, it is becoming increasingly clear: health is declining, individual attitudes are shifting, and the role of the employer in helping health decision-making is becoming more and more important.

Across all generations there is an opportunity for employers to improve their approach to health care-related technology. Millennials, Gen Xers, and Boomers all cite that an information-based website, including cost and quality information, is the most important thing an employer can do to assist in getting employees to access to the best health care services and programs.

Many workplaces today are generationally more diverse than in the past. Therefore, it is often difficult to determine the best form of communication, what health issues are important, and understand how each generation values the world of work and wellness.


Millennials (Generation Y), 1981 - 2000

  • Leading positive health-thinking and behaviors
  • Think holistically about health, prioritize stress management and sleep
  • Want an innovative wellness program that caters to their needs and aligns with their preferences
  • Collaboration with peers via discussion boards, team based competitions, peer to peer challenges, and motivational coaching.
  • 73% of this generation says a company’s health and wellness programs makes one employer more attractive over another.

Generation X, 1965 - 1980

  • More interested in the program’s voluntary benefits than the health benefits; want incentives for participating
  • Like to be provided with online educational resources such as blogs or health libraries
  • Work/life balance is a continual complaint

Baby Boomers, 1946-1964

  • Larger emphasis on financial wellness than bodily wellness.
  • Look for onsite support and need opportunities to ask questions
  • Like to research and consume content
  • Stuck in their ways
  • Workaholics


Learn more about the differences between each generation by downloading my Generational Wellness in the Workplace white paper. Understanding each lifestyle better can help employers leverage employees’ differences as strengths and provide a variation of resources that provide value in different ways.

Questions? Don't hesitate to contact me. 


Topics: Workplace wellness, Improve Employee Wellness

Does Your Business Have a Wellness Program In Place?

Posted by Bill Katzfey

iStock_000064575089_XXXLarge-1-1Is your organization taking advantage of the numerous ways to save money on health insurance? Are you looking to reduce your insurance premiums?

While there are numerous benefits to implementing and maintaining a robust wellness program, reducing the number of employees who smoke is an important piece of the wellness puzzle. Proactively providing smoking cessation programs will have a direct impact on your health insurance premiums. In addition, smokers commonly have longer recoveries from surgery and often need repeat surgeries which causes work comp claims to skyrocket on individual surgical claims.

The Charolotte Observer recently published an article with examples of doctors refusing to operate on those who smoke. According to research, one study found that smokers who got joint replacement surgery had an 80 percent higher chance than nonsmokers of needing repeat surgery because of complications from infection.

Click here to read the full article.

Are you looking to revamp or jumpstart a wellness program at your organization? Contact me to learn more about the resources R&R has available to assist.

Topics: Wellness, Improve Employee Wellness, corporate wellness

Three Ways to Increase Profit Using WellCompForLife

Posted by the knowledge brokers

WellCompForLifeTake control of the health and productivity of your employees - and increase profit. WellCompForLife is R&R Insurance Services’ total solutions approach to that will provide your company with the tools to increase the life span and productivity of your employees - and ultimately your bottom line!

The top three driving trends impacting an employer’s bottom line are Obesity, Workplace Injuries and the Aging Workforce.

Addressing These 3 Corporate Burdens to Increase Your Profit

1. Obesity - Yes, That Means Lose The Weight
Findings show that obese workers were more likely to report occupational injuries, with a great frequency of strains and sprains, along with falls and overexertion injuries. Consider these statistics: A comparison of obese employees to normal weight employees: 50% more workers’ compensation claims, 13x more lost work days, 7x higher medical costs, 11x indemnity claim costs. And this is just the workers compensation part. The negative effects of obese employees on your health insurance costs are overwhelming. Diabetes, heart disease, chronic pain - can all be attributed in part to being overweight. That means you have to do something about it - employee wellness programs, fitness, healthy eating, lifestyle changes for your employees and their families.

2. Reduce Workplace Injuries: Reduce the injuries to reduce the work comp claims!

  • Slip-and-fall injury prevention: ensure a safe working environment by maintaining parking lots and sidewalks; encourage employees to wear appropriate footwear for wet or slippery conditions. Make sure you have handrails at all stairwells and inclines/declines - special attention to this for your aging workforce.
  • Ensure employees can meet the physical requirements of the job: consider a post-offer, pre-employment physical for new employees – be sure the physician covers medical history as it may reveal something not seen during the physical (the cost of the test would pay for itself when preventing a back or shoulder claim!) Pay special attention to your aging workforce for their physical requirements.
  • Ergonomics enhancement: ask employees for suggestions on how their job can be tweaked to avoid fatigue or soreness; consider job rotation for repetitive tasks (also promotes cross-training!)
  • Wellness programs to aid injury prevention: help prevent strains, sprains, and falls by improving flexibility, strength, and balance. Great examples is starting a flex and stretch program, cover part of a gym membership, or hold exercise classes like yoga, Pilates, or Tai Chi.Also, having a structured return-to-work program has several benefits, the most important of which is the reduction of lost-time (lost-time has 3 times greater impact on your workers compensation premium dollars than a no-lost-time claim).

There are literally dozens of ways to increase safety and reduce injuries at your place of work. If they aren't apparent to you, bring a knowledgebroker in - we'll take a look around and give you some pointers.

3. Address the Aging Workforce
Experts predict that by the year 2020, 25% of the US workforce will be 55 years or older. Couple this statistic with the fact that most people are working past the traditional retirement age of 65 and organizations need to pay special attention to this sector of the workforce.

On average, older workers are injured less frequently than younger workers. However when older workers are injured, it will be more severe and have a longer recovery time. See Preventing Injuries in an Aging Workplace.

R&R Insurance has found that if businesses address the health of their employees, reduce their number of injuries and keep a close eye on ways to accommodate the aging workforce, you will see a significant positive effect on your bottom line! WellCompForLife processes will increase the health and longevity of your employees and their families giving you a lot more control over your health and work comp insurance costs, all while improving the productivity of their employees. This is control business owners don't realize they have. At R&R Insurance, we call this program WellCompForLife!

Join the WellCompForLife discussion on LinkedIn!

For more information about WellCompForLife, contact a knowledgebroker today!

Topics: Return to Work, Safety, Workers Compensation, Employee Benefits, Wellness, obese employees, lost work days, indemnity claim costs, Business Insurance, Self Funded Health Insurance, WellCompForLife, wellness programs, Improve Employee Wellness, increase the health and longevity of your employee, Increasing Your Profit, lower Employee Health Risk