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May 2009 Bulletin

News from The Benefit Specialists Corp.

From: The Benefit Specialists Corp. <sean.murray@telus.net>
Subject: News from The Benefit Specialists Corp.
Reply: sean.murray@telus.net
The Benefit Specialists Corp.
May 2009 Bulletin



Celebrating 10 Years of Business!

Thank you for all your support!
Just a Reminder,

As independent brokers we have the ability to go to any insurance company to get insurance quotes. If you are looking at your group benefit plan (or know of another company who is) and are wondering if you are using your dollars in the most efficient way possible please contact us and we will be happy to discuss this with you.

In This Issue
Janet Bullard RN, MN, CHPCA(C) - Aging and Health Issues are Stressful and Directly Impact Your Business.
Janet Bullard

 Janet Bullard RN, MN, CHPCA(c)

Aging and Health Issues are Stressful and Directly Impact Your Business.

The Evolving Problem:

Our increasing longevity is a result of advancing technologies, antibiotics and better living conditions in developed nations. An average lifespan of 47 years in 1900 is now closer 80 years with women still outliving men by approximately 3-5 years. The movement of the Baby Boomers into the Senior years is just beginning and following an already large cohort in their elder years. The most rapidly growing group in the senior years is the 80 + group, those with the highest care needs. One in five Canadians is a caregiver. Issues around Employee Parent Care are often unknown. Some of the history and reasons are as follows:

  • Child care is finite and generally accepted and supported by most employers
  • Parent Care is largely stigmatized and hidden for a variety of  reasons:
    • Fear of loss of employment
    • Personal embarrassment around parents declining health and increasing needs
    • The social acceptance and understanding of these issues are only beginning to surface as new 'normal' phenomena.
    • Belief that it is a family responsibility
    • Lack of knowledge re: options or help
  • Typical caregiver is a 46 year old employed female. Males now represent 45% of working caregivers.
  • US companies identified the risks of leaving employee needs for Eldercare unattended and have built Benefits Programs to address them. A MetLife Study on Balancing Employment and Eldercare (2003) found that almost 2/3 of caregivers acknowledged an impact on their career, including:
    • Immediate: decreased productivity, absenteeism, decreased work hours and change in work hours from full-time to part-time.
    • Mid to long term: impact on career advancement opportunities and moves, early retirement or quitting work all together, contributions to savings, retirement and pensions.
  • Calculate your company costs  www.elercarecalcualtor.org using a conservative Canadian estimate of 17% of employed caregivers in your company.
 
The Solution:

Being proactive, not reactive. The more personalized and comprehensive the work the more effective it is in maintaining the employee's productivity, presence at work and their health, stabilizing the work environment.
  • Various options include:
    • support your employees with simple resources and referral services
    • education; lunch n learns, workshops and articles
    • personalized consultation and planning work with the employee and their aging parents.
  • Parent care differs from childcare in that the needs will increase over time and become more complex
  • Early supports and interventions will make a critical difference as problems occur or escalate until the care journey ends in death.
  • Support for End of Life and Bereavement make significant differences in how the employee copes and is able to manage their work and family life.
  • Reduced health claims related to stress will increase the work presence and contributions and overall performance of employees
  • Reduced health claims can help control benefits costs upon renewal.
 
For more details on this issue and solutions contact:

 Janet Bullard RN, MN, CHPCA(c)
  403-863-8916
 www.proactivehealthcareadvisors.com


Guest Articles

Entering our tenth year in business we thought it might be a nice idea to include articles from other business experts.We hope to have a variety of authors to bring added value to our bulletins.

This month we are proud to include a guest article from
Janet Bullard  RN, MN, CHPCA(C).



 


Tell your friends!

The Benefit Specialists Corp. is more than willing to answer any questions you or anyone you know may have. If you know someone who has questions regarding the insurance industry or anyone who wants to join our mailing list please contact me, or forward this email to them and get them to click the join our mailing list button below.

Thanks!
 
Join Our Mailing List
Sean Murray
The Benefit Specialists Corp.
sean.murray@telus.net
403-547-5236
The information contained in this bulletin is for general information purposes only. The articles published in this bulletin have been collected by The Benefit Specialists Corp. (TBSC) and we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability or availability with respect to the information, products, services, or related graphics contained.  Any reliance you place on such information is therefore strictly at your own risk.  In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits out of, or in connection with, the use of the information contained in this bulletin.  Through this bulletin you are able to link to other websites which are not under the control of TBSC.  We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them
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The Benefit Specialists Corp. | 1131 Ranchlands Blvd. NW | Calgary | Alberta | T3G 1G4 | Canada