1. Accessing Employee Loyalty: Benefits, Recognition & Common Sense Why do people leave their jobs? There are TWO main reasons:  -A BAD BOSS  -FEELING UNAPPRECIATED or DISCONNECTED from Company Mission

3. Independent Agents (must be licensed by the state) -Who do they work with? -What is the fee schedule? Health agents may also sell Medigap insurance or Medicare Advantage insurance to seniors, long- term and short-term disability, long-term care insurance, dental and visual insurance and so- called "dread disease" policies.

4. Benefits Brokers -What insurances do they offer? (Health, Dental, Disability, Life, Other?) -Do they have a specialty? -What companies do they work with? -How do they get paid? (Invoice or commission rolled into services) -Do they assign someone to your account?

5. Accessing Employee Loyalty: Benefits, Recognition & Common Sense

6. VisitsVisits VISITS BCBS Cuurent BCBS Alternate 1 BCBS Alternate 4 FALLONNHP Preventive Care $0 Primary EBT: $15 SBT: $25 BBT: $50 EBT: $20 SBT: $30 BBT: $50 $25 $20 Specialist$50 $40 $35 Emergency Room $150$200 $200 After Deductible $100 After Deductible

7. Accessing Employee Loyalty: Benefits, Recognition & Common Sense Drug Plan BCBS CURRENT BCBC ALTERNATE 1 BCBS ALTERNATE 4 FALLON NHP Tier 1$15 $20$5$15 Tier 2$30$35$40$15$25 Tier 3$50 $6035/ 60$45 RatesCurrent Single1$430.02$495.73$438.73$486.12$373.27 Fam 1$1,133.57$1,306.80$1,156.55$1,288.22$1,157.13 Monthly Premium $1,563.59$1,802.53$1,595.28$486.12$1,530.40 Annual Premium $18,763.08$21,630.36$19,143.36$5,833.44$18,364.80 Percentage Change 15.3%2.0%13.5%-2.1%

8. Accessing Employee Loyalty: Benefits, Recognition & Common Sense AFLAC -Can offer products to individuals and companies -Employees pay 100% of the premiums -Employer collects payroll deductions and pays the bill monthly -Offer Disability income plans (the duck!) -Offer Accident, Cancer Care, and Dental plans **To start program, all employees may have to take at least one service

9. Accessing Employee Loyalty: Benefits, Recognition & Common Sense Retirement Plans  -Offered by major companies (TD Ameritrade, Fidelity, Northwestern Mutual) -Matched plans often require that the 100% of the match be deposited even if the employees don’t use it all -Can have minimal fees and easy on line administration

10. Accessing Employee Loyalty: Benefits, Recognition & Common Sense Life Insurance -Often packaged with other services (STD/LTD, AFLAC) - Term Life (pay in and only receive benefits if death occurs) -Whole Life (pay in and can cash out or borrow against it) -Cheap if purchased below age 35

11. Benefits can help employees feel $$$$$$ VALUED $$$$$$

12. Professional Development - AKA: an investment in people’s potential  -Attendance at Conferences, Trade Shows and other educational events  -Courses for software and hardware used in the organization  -Assistance for employees persuing advanced degrees (if it benefits your organization)

13. OTHER IDEAS -FLEX Time (giving employees a set amount of time off which can be used any way they need) -FLEX Schedule (let employees shift their hours occasionally around organizational activities) -Birthday is a Day OFF! -Low Cost Outings (Do you have an ice cream stand near you? A mini golf course? A movie theatre?) -In House Retreat – Encourage all employees to eat lunch or dinner together

14. RECOGNITION  -Look employees in the eye and use positive reinforcement when speaking to them - Make sure it is REAL. Send a note or an email to an employee thanking them when they stay late to help with a project, fix a problem, etc. (put a copy in their file) -Treat employees as people first (How you treat them can affect how they treat the people in your community)

15. RECOGNITION  -When there’s a problem, let employees come up with an idea to solve it and if its sound, let them TRY it. - Give employees the opportunity to weigh in on equipment purchases before they are made -Let responsible employees make purchases on behalf of the organization (blank DVD’s, office supplies, etc. on a budget) -Lead by example (do as you want them to do)

16. Don’t forget to RECOGNIZE employees for their contributions… And maybe they will recognize yours!