Take Control of Your

Corporate Risk BurdenWith StarrWellness

What is Corporate Risk Burden?

Corporate Risk Burden is defined as:

The cost of risk per employee

A number you would like to see lowered and can be controlled by:

Pre-Disease Risk

Productivity Lifestyle

Risk

Risk Factors for Every 100

Employees • 25 have cardiovascular disease

• 12 are asthmatic

• 6 are diabetic

• 26 have high blood pressure

• 30 have high cholesterol

• 38 are overweight

• 21 smoke

• 31 use alcohol excessively

• 20 don’t wear seat belts

• 24 do not exercise

• 44 suffer from stress» Source: Dept of Health and Human Services, 2007

Making Changes

70% 71%

82%91%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Stroke Cancers Heart Disease Diabetes

- Exercise

- Healthy Eating

- Monitor Cholesterol, Blood Pressure, Glucose

- Avoid Tobacco Use

% of chronic diseases that are likely lifestyle related and avoidable

Fact: A Significant Portion Of

Health Care Costs Are Avoidable or

Potentially Modifiable

Reliable estimates are that 30% to 60% of an employer’s health plan costs could be potentially modified or avoided altogether.

How Companies are Responding to

Increased Health Care Costs

FACT: No Matter Which Strategy You Choose, Wellness Has To Be One Of

Them

“No company will be successful in the global marketplace without healthy and productive people. If we don’t do it, someone else in the world will and our competitive advantage and our way of life will be lost.”

- Dr. Dee Edington

The Bottom Line…

“Carefully designed studies consistently show a benefit between $2.15 and $5.64 in a 12 to 24

month period, for comprehensive or broad based wellness program efforts…”

By USHC

ROI in Worksite Health Promotion

Benefit of Worksite Wellness

Programs

Why add a Wellness Program?

Statistically, the results of a commitment to an employee wellness program are notable, including:

– Reduction in health care costs by 20-55%

– Decrease in short-term sick leave by as much as 32% (Ceridian Prop ROI Tool, 2003)

– A savings of between $3 and $6 for every $1 invested in wellness (U.S. CDC)

– Drop in work comp and disability by as much as 30%

– Enhanced recruitment and retention for all positions

– Reduce your Corporate Risk Burden

US Corporate Wellness, 2008

Our Preferred Partner US Health Center

-City of Wauwatosa

-Quad Graphics

-West Bend School District

-Gehl Corporation

• Health Advancement Company

– We help identify health risks – We provide tools to help mitigate these risks– We provide medical professionals to assist in managing these risks

• Founded by Dr. Raymond Gavery, M.D. with 25 years experience in building health assessment tools

• 9 year old company working with groups from 50-20,000 employees some of which include:

-City of Green Bay

-Bayfield County

-Steinhafels Furniture

-Marcus Corporation

Program Overview

• Health Risk Assessment (HRA)

• Personalized Health Desktop

• Biometric Testing

• Coaching

• Aggregate Report

• Customized programs to obtain results (20% Discount)– Exercise & Nutrition Programs

– Stress Management

– Smoking Cessation

• Predictive modeling on over 40 diseases

• Measures Corporate Risk Burden

• Measures Readiness to Change

• Measures Program Interest

• Greater Participation Equals Higher ROI

• Doesn’t just count health risks

What’s unique about this HRA

A Customized Scalable Portal

HRA

Co

st

Wellcentives Biometric Score

StarrWellnessprovides detailed health information for your employees.

You can’t change something unless you know it exists.

HRA

Corporate

Risk Burden (Cost of Risk

per Employee)

Pre-Disease

Risk

Productivity

Lifestyle Risk

Corporate Risk

Burden

HRA

Corporate Reporting

HRA

Co

st

Corporate Risk Burden - Predisease

HRA

Co

st

Corporate Risk Burden - Productivity

Productivity

• Absenteeism – being sick and not actively working.– on average absenteeism equates to 20% of your annual health care

costs

• Presenteeism– being sick but still coming to work and the resulting loss of

productivity that occurs– on average presenteeism equates to 180% of your annual heath

care costs

THESE DOLLARS ARE SEEPING OUT OF YOUR ORGANINZATION!You do not write a check for these dollars.

Cost of Presenteeism

Employees may be at work, but due to health concerns, they are not working optimally:

• Annual cost to companies- $180 Billion

• Persistent problem in over 50% of workplaces

Center for Work and Health(03) and Journal of Occupational and Environmental Medicine ( 04)

Lifestyle Risk

• Do you smoke?

• Do you always wear a helmet?

• How often do you order out fast food?

• Do you wear a seatbelt?

• Are there smoke detectors in your home?

• How much time do you spend in front of the TV instead of exercising?

HRA

Lifestyle Aggregate Data

HRA

Corporate Risk

Burden (Cost of Risk

per Employee)

Pre-Disease

Risk

Productivity

Lifestyle Risk

Corporate Risk

Burden

The Next Step: Programs of ROI

• Diet and Nutrition• Exercise and Physical Activity• Stress Management• Tobacco Cessation• Alcohol and Substance Abuse • Encourage Preventative Screenings• Mandate Seatbelt Usage• Conduct Flu Shots• Medical Self-Care

Why Wellness With The Starr

Group?

• Portable

• Includes Spouses

• Not Health Plan Specific

• Certified Wellness Coach on staff

• Aggregate Report to ensure results

• Your data not your insurance companies

• Higher ROI

• Only Preferred Partner in WI

The Starr Group is a Preferred Partner,

what does this mean for you?

• Health Risk Assessment (HRA) (FREE)• Personalized Health Desktop (FREE)• Biometric Testing (20% Discount)• Coaching (20% Discount)• Customized programs to obtain results (20%

Discount)– Exercise & Nutrition Programs– Stress Management – Smoking Cessation

Why Should You Listen to

The Starr Group?

• Corporate Wellness Award Winner in Southeastern Wisconsin by BizTimes in 2011

– Finalist in 2010 & 2009

• Well Workplace Award Winner by The Wellness Council of America in 2011

• Platinum Fit Friendly Company Award Winner by The American Heart Association in 2010 & 2011

• Top 3 finalist in Milwaukee’s Healthiest Employers in 2011

For further information please

contact us…

414-421-3800www.starrgroup.com

www.starrwellness.comdburgett@starrgroup.com

5005 Loomis Road, Greenfield, WI 53220