Roger Herman

Relph Benefit AdvisorsMarch 30, 2012

Why is Relph promoting health?Our philosophy is simple:

Healthy Employees = Healthy Employers

Survey Says…According to a recent agency survey, wellness

and stress related programs were of interest to enhance your lifestyle.

We want to provide you with information, tools and resources to improve your lifestyle.

Health Awareness 101

What’s going on inside of you??

How do you know you’re healthy???

What do you need to do??

Are you ready for a change?

So, its all about choices that we make!

What kind of lifestyle do you want?

Lifestyle ChoicesProduce The Majority of Costs

Related To Our Health

The Evolution of Modern Man

SUPERSIZE “ME”

Healthcare Dollars

Lifestyle-Driven 71¢

Non-LifestyleDriven29¢

$0.00

$0.20

$0.40

$0.60

$0.80

$1.00

Purdue University study

“How much of health cost is related to our Lifestyle?”

71¢ of everyHealthcare

$1.00is Lifestyle

driven

Total Benefits Relief™

Unified Benefit Management

A chronic disease is generally one that is hereditary “it runs in the family!!!”

or

is the result poor diet and living conditions, using tobacco or other harmful substances, or a

sedentary lifestyle.

133 million (1 in 3) people … have a chronic disease (asthma, diabetes, cardiac/heart, cancer, obesity, COPD/lungs…)

27.5% of Americans Obese in 2012

25.3% of Americans Obese in 2011Like gaining 3-6 lbs/yr

37.5% increase in Obesity since 2001

42.6% increase in Diabetes since 2001

Obesity

2.2%

Hero or Hypocrit?

Paula Deen – “Butter Queen” – type 2 diabetesCauses of type 2: obesity, unhealthy lifestyle

In 2009 ……The CDC Reported

Eliminate these major risk factors:

ObesitySmokingLack of physical activityPoor nutrition  

‐and at least 80% of all heart disease, stroke, and type 2 diabetes would be prevented and ‐more than 40% of all cancers.”

When is the last time you did preventive

maintenance on YOU?

Lets Get PHYSICAL!!!

But it is more than just activity…

Health…its not just for the jocks anymore!

What is your health IQ?? • Nutrition • Exercise• Weight • Tobacco Cessation• Alcohol Consumption• Safety – seat belt, helmet• Stress management• Follow the prescription• Know your numbers – BP, Cholesterol,

HDL/LDL, BMI, BF

3 of 4 don’t take medications as prescribed

1 in 3 never fill their prescriptions

People who don’t take medications as prescribed cause….

…1 in 3 medication-related hospitalizations

…125,000 premature deaths per year

…$290 Billion extra cost

I FEEL GOOD!!!

Man vs. Automobile

How often do you change the oil in car?

Do you just put gas in your car?

OR Do you change the oil, replace the

wipers, change tires, wash, brake pads…

WELL…How about your body?

Find time to check yourself:

BP machines

Exams Covered in Full on health plan

How do you feel? Stressed? Lightheaded?

What are you doing about it?Enhance your lifestyle!!!!

Optimal Elevated High Critical

Systolic BP Below135 135-139 140-179 over 180

Diastolic BP Below 85 85-89 90-109 over 110

Blood Sugar (Glucose) Below 100 110-124 125-299 over 300

Total Cholesterol Below 200 200-239 240-299 over 300

TC/HDL Ratio Below 4.0 4.0-4.4 over 4.5

LDL Cholesterol Below 100 100-129 over 130

Body Fat %- Male Below 22% 22-29% over 30%

Body Fat %- Female Below 26% 26-31% over 32%

BMI (Body Mass Index) Below 30 30-34 35-39 over 40

Where are your numbers?

Blood Pressure

It's sometimes called "the silent killer"

because HBP has no symptoms, so you may not be aware that it's damaging your arteries, heart and other organs.SystolicThe top number, which is also the higher of the two numbers, measures the pressure in the arteries when the heart beats (when the heart muscle contracts).DiastolicThe bottom number, which is also the lower of the two numbers, measures the pressure in the arteries between heartbeats (when the heart muscle is resting between beats and refilling with blood).

Blood Pressure

Cholesterol

Cholesterol is one of the many substances created and used by our bodies to keep us healthy. Some cholesterol is produced naturally, while some comes from food we eat.

There are two types of cholesterol: "good" and "bad."

Cholesterol

• LDL (Bad) Cholesterol– too much LDL (bad) cholesterol circulates in the blood, builds up in the inner walls of the arteries – it can form plaque, a thick, hard deposit that can narrow the arteries and make them less flexible.

• HDL (Good) Cholesterol– HDL cholesterol is known as "good" cholesterol, because high levels of HDL seem to protect against

heart attack. – Low levels of HDL (less than 40 mg/dL) also increase the risk of heart disease.

• Triglycerides– Triglyceride is a form of fat made in the body– Elevated triglycerides can be due to overweight/obesity, physical inactivity, cigarette smoking, excess

alcohol consumption and a diet very high in carbohydrates – People with high triglycerides often have a high total cholesterol level, including a high LDL (bad) level

and a low HDL (good) level. – Many people with heart disease and/or diabetes also have high triglyceride levels.

Cholesterol

Blood Sugar (Glucose)

Blood glucose test measures the amount of a type of sugar, called glucose, in your blood.

It is often the first test done to check or pre-diabetes and diabetes.

Healthy blood glucose: Fasting Glucose under 100Pre-diabetes: Fasting Glucose 100 - 125Diabetes: Fasting Glucose more than 125

Body Mass IndexWhat is BMI?Body mass index assesses your body weight relative to height.

• BMI values less than 18.5 are considered underweight• BMI values from 18.5 to 24.9 are healthy• Overweight is defined as a body mass index of 25.0 to less than 30.0• Obesity is defined as a BMI of 30.0 or greater

Body Mass Index

Body Mass Index

Body Fat

Category Women MenEssential fat 10-12% 2-4%Athletes 14-20% 6-13%Fitness 21-24% 14-17%Acceptable 25-31% 18-25%Obese 32% plus 26% plus

A person's body fat percentage is the total weight of the person's fat divided by the person's weight and consists of essential body fat and storage body fat.

The American Council on Exercise provides the following ranges for body-fat percentage:

Waist Circumference

What is the waist circumference?Waist circumference is the distance around your natural waist (just above the navel).

The goal for waist circumference is less than 40 inches if you're a man and less than 35 inches if you're a woman.

How does lifestyle change occur? • Baby steps

– Ie: Walk n Talk during lunch

• Who will organize it? YOU!!!• Who will lead it? YOU!!!• Who will participate? YOU!!!

If you lead, they will follow!!!

Municipality Rochester

• 47 yr old woman – diagnosed with multiple issues related to weight – cholesterol, high bp, pre-diabetic.

• Doc prescribed mulitiple Rx’s• She educated self to control her symptoms without Rx.

– New lifestyle, attitude, positive outlook, energized– Engaged her husband to get screened, and now they live a

healthier lifestyle, together. – They cook together, walk together, talk more, have more

common interests, encourage and support each other…– Sense of incredible accomplishment, pride in self

Doctor couldn’t believe the results without Rx

Savings? Better outcome? Happier? Proud?

PATHSTONE

I have grumbled about the inconvenience of the health screening but wanted to let you know that I've ...

"seen the light"!

I've always had a bit if a sense of 'bravado' about my health...exercise and eat basically whatever I want. UNTIL

my MD called 2 weeks ago to tell me that my lab work showed seriously increased/high cholesterol.

I'm going to try to bring it down with diet. (WOW what a learning process!) The point is I rarely go for a physical

and wouldn't have known about this without the screening. Mea Culpa! (my mistake)

You can not change behavior until you are willing and ready to do so!!!

Focus on those things you can win…

…then work toward those that are more difficult.

How to engage in your own healthSimple ideas:

Smokers – 1 less smoke a day, (½ a smoke break)

Weight – portion control 1 meal a day

Exercise – walk 5 mins more a day

Fruits & Veggies vs Chips & Dip 1x a week

Moderation

“Water, taken in moderation, cannot hurt anybody.”

Mark Twain - Author

“Throw moderation to the winds, and the greatest pleasures bring the greatest pains.”

Democritus – Greek Philosopher

Slide 41

Ideas to Weight Loss

• Activity!!!• Portion Control – “fork control” • Smaller plate• Take ½ of it home – 2 in 1 – ask for doggie bag

before eating• Don’t Supersize!!!• Hold the Fries and Pop!• Mix in a Veggie or Fruit – baby carrots,

celery/peanut butter, apple, grapes, banana • Snacks – popcorn, rice chips, granola bars

Ideas to Manage Stress

• Exercise• Discuss with friend/family/counselor• Eat healthier• Yoga or Meditation• Time out for you – read, music, game, • Environment Change – people, places,

things around you that are not positive influences, find positives

• Think positively, rather than negatively “I think I can, I think I can….”

Ideas for Motion• Walk/Jog – work, home, find trails, lunch/breaks• Take the Stairs• Park further away• Hike/Bike – parks, canal, lake • Stretch/Yoga/Pilates• Dance• Skate – roller/ice• Walk down every aisle of the grocery store• Walk in place or stretch while you watch TV• Walk around the house or up and down stairs while you talk on the

phone• Get up from your desk and take a lap around the office once each

hour while you are at work• Gardening

Ideas for Tobacco Users

• Reduce use• Alternatives – patch, vapor cigarette, gum• Exercise is addicting!• Identify/avoid triggers, ie: after dinner• Remember the health benefits• Relaxation – yoga, meditation• Phone a friend• Feel good about your choice to change• Read The Easy Way to Stop Smoking>>• Remember all the good things that

come with quitting!

Ideas to Eat Healthier• Portion control – smaller plate, take home

bag• Cook at home• Eat fresh – fruits, veggies – farm markets• Less fat, sugar, salt• More water!!! • Eat slower• Moderation!!!

Resources• Relph Benefit Advisors

www.viewmybenefits.com• Mayo Clinic website

www.RelphHealth.com• MVP website – Wellstyle Extras, Discounts

www.mvphealthcare.com• Community Partners • EAP• Peers/Coworkers/Family/Friends• Maps/trails – Get up and get out!

The key resource is YOU!

viewmybenefits.com

Username: Password:

Username: Password:

Last 4 SS#   +   1st 4 of last nameLast name

relphbeneS u b m itR e s e trelphbeneS u b m itR e s e t

www.viewmybenefits.com

• Login: Orleans• Password: Employee

– Benefits information, EAP, medical, dental, etc…– Links to helpful websites – Mayo, MVP

Mayo Clinic Health Assessment

New User?Register with your valid email address at www.RelphHealth.com

For More Information…

• American Heart Association - www.heart.org• American Diabetes Association -

www.diabetes.org• American Cancer Society – www.cancer.org• National Heart, Lung & Blood Institute -

www.nhlbi.nih.gov• Parks/Trails -

– www.wnyhikes.com– www.nyparks.com

Wellness Calendar

Manufacturing - Syracuse

• Mid Aged Woman– Never went to docs for routine checkups– Felt a little sluggish but ignored it

– Employer offered screenings – found silent stroke symptoms & rushed to ER

– ER doc said 2-3 more days

DUTCHESS

My name is xxxxxxx. I was hired by Dutchess ARC 6/7/07. I have had High Blood Pressure for the past 12 years. My doctors have all told me to lose at

least 30-40 lbs. I have tried over the years, but I was not successful.

As a result of ARC’s Biometrics in January 2010, I finally received my wake up call. I was of course extremely overweight and on top of that the test results showed that my Glucose levels were elevated. Which make me a borderline diabetic. I know how horrible that disease can be; therefore I did not want to live with it.

The Nurse told me that I have a chance to reverse that test result by exercising and changing my diet. I immediately started exercising daily and I have completely changed my diet.

As a result I have lost 10 lbs and counting. I am now very determined to lose not only 30-40 lbs, but my goal is to lose 100 lbs in order to get back to my ideal weight. Hopefully the weight I was in High School.

Thank you Dutchess ARC from the bottom of my heart. This will be the start of a NEW LIFE for me.

OCCUPATIONS

After receiving my values from our biometric screen here – my blood sugar was 700! I was immediately told to call

my physician who I haven’t seen in years and was not planning to see.

I went to the emergency room right after work and it’s a good thing I did. They told me I would have been in a

diabetic coma by the weekend had I not come in.

Thank God Occupations offered this at work or I would have never known I was a diabetic!

Eat This, Not That!

McDonald’s

Quarter Pounder

Premium Grilled Chicken Club Sandwich

McDonald’s

Quarter Pounder

Premium Grilled Chicken Club Sandwich

Calories: 410 cal

Fat: 19 g

Calories: 530 cal

Fat: 17 g

B‐

C+

Subway

6‐Inch Double Roast Beef Sub

6‐Inch Tuna Sub

Subway

6‐Inch Double Roast Beef Sub

6‐Inch Tuna Sub

Calories: 400 cal

Fat: 7 g

Calories: 540 cal

Fat: 30 g

A+

C

Domino’s 

2 Slices Classic Hand‐Tossed Pizza

2 Slices Crunchy Thin Crust Pizza

Domino’s 

2 Slices Classic Hand‐Tossed Pizza

2 Slices Crunchy Thin Crust Pizza

Calories: 310 cal

Fat: 7 g

Calories: 420 cal

Fat: 17 g

C+

B‐

Trivia…

Breakout Trivia1. Rank these items in order of sugar content –greatest to least

4 Krispy Kreme glazed donuts

1 Starbucks Grande Vanilla Frappucino

1 bowl of Froot Loops (3/4 cup before milk)

1 can of Coca-Cola (12 oz)

1 pint of Ben & Jerry's Chunky Monkey Ice Cream

Breakout Trivia

2. The number 1 source of added sugar in our diet comes from:a. Bread and bread productsb. Beveragesc. Frozen foodsd. Candy

3. If a food claims to be “Low Fat,” it means that one serving has how many grams of fat? 

a. 2 grams of fat or lessb. 5 grams of fat or lessc. 3 grams of fat or lessd. 1 grams of fat or less

Breakout Trivia

5. Which of the following counts as 2 servings of vegetables?a. 1 cup of tossed saladb. ½ cup of mashed potatoesc. 1 cup of mashed potatoes

4. _____________ is NOT a rich source of vitamin A.  a. Broccolib. Iceberg Lettucec. Spinachd. Red Pepper

Bonus:  Name the benefits of Vitamin A???   

Crazy Facts….

Which has more sugar?

1 bag of Skittles (2.6oz) 20oz Pepsi11.5 teaspoons of sugar 16.5 teaspoons of sugar

Bonus: What is the recommended daily intake of sugar???10 teaspoons

How many carrots to equal the sugar of a…

Snickers = 2 lbs, 8 oz of carrots – 15 large carrots

Pop Tarts = 13 oz carrots, 6 large carrots

Cookie 20 yrs ago Cookie today55 calories 220 added calories 275 calories1.5 inch diameter 3.5 inch diameter

Coffee 20 yrs ago Coffee todayw/ whole milk & sugar w/ whole milk & mocha syrup45 calories 305 added calories 350 calories8 oz 16 oz +

Finally…..remember….

S.H.A.P.E. Happens!

S – strengthH ‐ healthA ‐ actionP ‐ prideE ‐ energy

Why Short Term Disability (STD)??

Paycheck protectionwho pays you if you can not come to work??

NYS DBL - $170 per week

STD pays above the $170 so you have income if out on disability

Why have STD coverage?“The inability to perform each of the main duties of

your regular occupation due to injury or sickness”

– Injury – not on the job, ie: broken leg– Pregnancy– Illness/Diseases – ie: pnemonia, cancer

STD Change for May 1st

• Currently is Lincoln Financial

• Moving to Mutual of Omaha – May 1st

Lower cost, better service

STD (Income Replacement)

SHORT-TERM Disability – Voluntary – Employee Paid

• - Replaces 40% of your weekly earnings, max of $1000/week• - 14 Day Elimination• - 3/6 Pre-existing Condition (Example: high blood pressure)• - 26 week benefit

STD benefit will not be offset by benefits payable under your employer sponsored NYS DBL plan or Paid Time Off as long as the total received from all sources does not exceed 100% of your pre-disability earnings

Please refer to your Mutual of Omaha enrollment materials for your premium costand benefits

The Voluntary STD & LTD coverage is Guaranteed Issue (no medical information required) if you choose to enroll the 1st time you become eligible or at each

annual open enrollment.

Disability Payment$1200

$1000

$800

$600

$400

$200

$0

After-TaxPaycheck$1,085

After-TaxPaycheck$1,085

NYSDisability

$533

NYSDisability

$533

Monthly Salary $1,500 ($18,000/year)

Disability Payment$1200

$1000

$800

$600

$400

$200

$0

After-TaxPaycheck$1,085

After-TaxPaycheck$1,085

VoluntaryShort-Term

Disability$600

VoluntaryShort-Term

Disability$600

NYSDisability

$533

NYSDisability

$533

Total Disability Payment $1,133

Monthly Salary $1,500

What do you need to do??

• Currently enrolled – review forms, do nothing, unless want a change

• New enrolled – review forms, cost, benefits. Sign return form to Diane by April 13th.