Recommending a Benefits Strategy

Recommending a Benefits Strategyfor Today and Tomorrow

What is your Health Care Cost Containment Strategy?

for Today and Tomorrow

How far can an employer go toward mandating wellness in the

workplace?

By 2016 Health Care Costs are projected to reach $4.2 trillion

This represents 20% of every dollar we spend!

Here comes a “perfect storm” in the workplace driven by three factors.

One: Medical costs are acceleratingTwo: Employees and dependents have more health needs

than ever before with an obesity epidemic, tobacco related illness and sedentary life styles

Three: A great skilled worker shortage lies just ahead

Having a healthy workforce is enormously beneficial.

Wellness Works!

Results of a Healthy Workforce… Productivity goes up Turnover goes down Workplace injuries decline Disabilities decline Work life expands Morale improves Applicants gravitate to a healthy workplace

Tomorrow’s Challenge:Mandating Employee Wellness

What is a mandatory Wellness Plan? Requires employees to participate Imposes a penalty if you do not participate Must take a health risk assessment, blood pressure, cholesterol,

BMI, fasting glucose etc. If an employee refuses to participate they lose coverage Some plans even assign professional “health coaches” who will

draw up action plans and will follow up to monitor progress

Note: An incentive that is conditioned on participation in a health program, rather than achievement of a particular health target or standard, generally is not discriminatory under HIPAA.

Tomorrow’s Challenge:Mandating Employee Wellness

“While it may seem like a contradiction that anemployer can maintain a health fitness program targeting obesitywhile protecting overweight employees from rude or demeaningtreatment, this is exactly what the future promises. In a sense,this is no more complex than applying the golden rule to wellness.Almost all people want “wellness,” yet few want to be insulted orteased in their efforts to become well.”Source: The 2008-2009 Littler Report “Employer MandatedWellness Initiatives: The Continuum from Voluntary to Mandatory Plans.”

INSIDE THE PLAN: HIPAA Rewards or penalties cannotexceed 20% of total cost Reasonably designed to promotehealth or prevent disease Annual eligibility Alternative standards forparticipants with medicalconditions Plan material must disclosealternatives and waiver

Mandatory Wellness Plans

ROI is from $2 to $10 for every dollar invested in a wellness plan.

OUTSIDE THE PLAN• Disability discrimination• Age discrimination• Workers compensationretaliation claims• Lawful off-duty conduct• Privacy statutes• Collective bargaining agreements• Retaliation claims

1999

Obesity Trends* Among U.S. AdultsBRFSS, 1990, 1999, 2008

(*BMI 30, or about 30 lbs. overweight for 5’4” person)

2008

1990

No Data <10% 10%–14% 15%–19% 20%–24% 25%–29% ≥30%

Obesity Trends* Among U.S. AdultsBRFSS, 1985

(*BMI ≥30, or ~ 30 lbs. overweight for 5’ 4” person)

No Data <10% 10%–14%



No Data <10% 10%–14%



No Data <10% 10%–14% 15%–19%



No Data <10% 10%–14% 15%–19%



No Data <10% 10%–14% 15%–19% ≥20%



No Data <10% 10%–14% 15%–19% 20%–24% ≥25%



No Data <10% 10%–14% 15%–19% 20%–24% ≥25%



No Data <10% 10%–14% 15%–19% 20%–24% 25%–29% ≥30%



No Data <10% 10%–14% 15%–19% 20%–24% 25%–29% ≥30%



No Data <10% 10%–14% 15%–19% 20%–24% 25%–29% ≥30%

Pulmonary diseaseabnormal functionabnormal functionobstructive sleep apneaobstructive sleep apneahypoventilation syndromehypoventilation syndrome

Nonalcoholic fatty liver diseasesteatosissteatosissteatohepatitissteatohepatitiscirrhosiscirrhosis

Coronary heart disease Diabetes Dyslipidemia Hypertension

Gynecologic abnormalitiesabnormal mensesabnormal mensesinfertilityinfertilitypolycystic ovarian syndromepolycystic ovarian syndrome

Osteoarthritis

Skin

Gall bladder disease

Cancerbreast, uterus, cervixbreast, uterus, cervixcolon, esophagus, pancreascolon, esophagus, pancreaskidney, prostatekidney, prostate

Phlebitisvenous stasisvenous stasis

Gout

Medical Complications of ObesityIdiopathic intracranial hypertension

Stroke

Cataracts

Severe pancreatitis

Health Risk Factors Matter .. Let’s learn about each employee’s

Metabolic Syndrome Risk Cluster HDL Cholesterol Triglycerides Waist Circumference Blood Pressure Fasting Glucose

Now let’s Graph these Important Risk Factors ... Complete a Health Risk Assessment Form

Perform Biologics (BP; HDL vs. LDL; Waist Size, Glucose)

020406080

100120140160180200

BMI 18-25 BMI 30-34 BMI 35-39 BMI 40+

Medical Cost

WC Cost

WC Lost Time

Recommended Obesity Class I Obesity Class II Obesity Class III

Increase your Wellness Score!Culture Change will focus on:

• Losing weight

• Feeling better

• Looking better

• Living Life better—Long Term

What does this 10 week program look like?

10 Week Program will address: Eating habits Hunger Hydration Exercise Personal health habits

Program Specifics:

Initial Requirements: Health Risk Assessments must be completed Health Screenings (offered on-site)

A personalized Health Profile and Summary is provided on-site

If a person has three or more of the five Risk Factors out of synch then a Health Coach is made available to go over the results with the person.

If a Classroom Experience is deemed necessary the person is enrolled

The simple Program message is, “It is not what you eat, but how and when you eat that matters!”

Classroom Specifics:

Instructor Led: 30 to 40 participants at a time One day per week over the lunch-hour Weigh in and hear status updates from participants Weekly lesson Attendance is mandatory There is a $150 charge if you do not complete the

course (otherwise it is free of charge) Can get an on-line instructor led program too

How Do you translate clinical information into Savings?

As you improve basic health you reduce the frequency and severity of health plan claims, resulting in:

More appropriate use of Dr. office visits and Rx usage Fewer unnecessary Dr. office visits Less Rx use for modifiable behavior-driven medical needs Fewer Emergency Room visits Fewer inpatient admissions Shorter length of stays for appropriate hospital inpatient care

How Do you translate clinical information into Claims Savings?

If your BMI is under 30 and your Glucose is 50 to 99 then let’s say the health plan cost is $1000 per claimant.

If your BMI is over 30 and your Glucose is 50 to 99 then the cost per claimant is $1,134.

If your BMI is under 30 and your Glucose is 100 to 150 then the cost per claimant is $1,768.

If your BMI is over 30 and your Glucose is 100 to 150 then the cost per claimant is $2,252.

First things first Get a physical! Your physician MUST be involved in this process

with you. They can check for any asymptomatic pre-existing conditions and will provide you with ideal body composition stats just for you. (Avoid the generic “recommended” weight tables)

Motivation What/who made you think you need to lose

weight? Where does your motivation come from? The only motivational source that will facilitate

success is internal emotional motivation True strength comes from your heart not your

muscles!

Support Who is on your side? (friends, family, spouse,

co-workers) Is there anyone who will do it with you? Get commitment for the long haul and be open to

accountability Find a source that will be compassionate and not

critical

The human body, what an amazing MACHINE!

Like a car; no maintenance + bad fuel = long-term problems and premature failure

GUARANTEED!

From this To this

I feel fine, why do I need to change anything?

Currently 34% of U.S. Adults 20+ morbidly obese (was 15% in 1976)

Currently 31.9% of U.S. Children 2 – 19 morbidly obese ( was 5% in 1976)

Currently up to 1/3 of U.S. medical care expenditures Obesity or lifestyle related

Heart disease at the top of the list for death 10 years running, only ¼ of the cases genetically linked, otherwise categorized as preventable!

See a trend here? This is just the tip of the iceberg!

Source: cdc.gov

Body systems Musculoskeletal (muscle & bone) Cardiovascular (heart, veins, arteries) Respiratory (lungs) Neurological (brain and nerves) Digestive (stomach, intestines, etc) Endocrine (hormones/glands) Metabolic (liver, pancreas, etc)

Optimal system function and care

Musculoskeletal: resistance exercise! Promotes muscle strength, promotes connective

tissue strength (ligaments and tendons), promotes bone density strength

System is designed to work hard, lack of exercise causes atrophy, energy loss, and radically increases potential for injury

Optimal system function and care cont…….

Cardiovascular: cardio respiratory exercise! Bouts of long duration cardio respiratory exercise not only

burn calories, it increases the efficiency of the heart to distribute blood to all of your body’s systems

Lack of exercise causes: fatigue, promotes poor circulation efficiency, diminished stroke volume, increased risk of heart disease, risk of premature death


Respiratory system: cardio respiratory exercise! Increases oxygen uptake efficiency, increases carbon dioxide

eradication efficiency, increases energy, increases endurance, facilitates long duration activities

Smoking not only increases potential for lung cancer, it can impair lung function by up to 90% in just 10 years!

YOU ONLY GET ONE SET FOLKS, TAKE CARE OF THEM OR IT WILL COST YOU!


Neurological system: ALL EXERCISE AND ACTIVE LIFESTYLE!

The human brain is the worlds most powerful and complex computer, the more you use it and stimulate it the more powerful and efficient it becomes!

WARNING! MOST HERBAL AND STIMULANT BASED DIET PILLS AFFECT YOUR NEUROLOGICAL SYSTEM AND CAN PERMANENTLY IMPAIR FUNCTION OR EVEN KILL YOU! THEY ARE NOT FDA REGULATED!


Digestive system: quality fuel for life! Primary function is to breakdown and allocate fuel

resources for all body systems. Care: eating whole/natural foods in modest, balanced

portions 4 – 6 times per day and staying sufficiently hydrated, consuming sufficient fiber

This system was not designed to break down and process chemical preservatives, shelf stabilizers, color additives, chemical flavor enhancers, or artificial foods

Lack of care will decrease energy, slow metabolism, increase fat storage, can lead to stored toxins in digestive tract, impair total body systems function, can and will cause permanent organ damage!


Endocrine system: chemical/hormone balance Includes: Pancreas, pituitary, hypothalamus, adrenal

glands, reproductive glands Affected adversely by poor lifestyle habits (bad nutrition,

smoking, alcohol use, drugs, and again DIET PILLS!) Care: caring for all of the afore mentioned systems will

directly promote endocrine health

WARNING! FAILURE OF THESE SYSTEMS HAVE DISASTROUS CONSEQUENCES THESE CHEMICAL BALANCES ARE EXTREMELY SENSITIVE!


Metabolic system: fuel + exercise=ENERGY! Fed by digestive and muscle systems, the metabolic system

regulates energy allocation through fuel processing/storage Becomes more efficient with increased demand! The more you

exercise (demanding energy resource, the more efficient your metabolic rate is) Bad fuel + bad lifestyle=poor energy

WARNING! HERBAL AND STIMULANT BASED DIET PILLS ADVERSELY AFFECT METABOLIC FUNCTION AND CAN LEAD TO PERMANENT LIVER DAMAGE!

This is what can happen if you do not take care of yourself

Obesity Type II diabetes Congestive heart failure Cancer Hypertension Osteoporosis Liver disease Joint problems Breathing difficulty Chronic injury Depression DEATH!

MOST OF THESE CAN BE AVOIDED BY JUST SIMPLY BECOMING MORE AWARE OF YOUR HEALTH AND MAKING CONSCIOUS DECISIONS ABOUT NUTRITION, EXERCISE, ACTIVITY, HABITS, AND LIFESTYLE!

Preventable disease Smoking/tobacco use Alcohol, health effects and

increased risk Obesity, cause and effect

Smoking Tobacco is the only product in the U.S. that causes death and

disability when used as intended — the single, most preventable cause of death in the U.S.

Every year, tobacco use kills more Americans than World War II and the Vietnam War combined. That’s more than 440,000 smoking-related deaths every year — the equivalent of three 747s being downed every day without any survivors.

Source: gdcada.org

What makes smoking so lethal? Short-Term Effects

The body’s response to nicotine is immediate — causing short-term increases in blood pressure, heart rate, and blood flow from the heart. Nicotine also causes arteries to narrow,5 while carbon monoxide reduces the amount of oxygen the blood can carry — two side effects which create an imbalance in the demand for oxygen by the cells and the amount of oxygen the blood is able to supply.6

Long-Term Effects

Smoking can cause chronic lung disease, coronary heart disease, and stroke, as well as cancer of the lungs, larynx, esophagus, mouth, and bladder.7 Smoking is also known to contribute to cancer of the cervix, pancreas, and kidneys.8

Smokeless tobacco and cigars also have deadly consequences — including lung, larynx, esophageal, and oral cancer.

Source: gdcada.org

What smoking looks like from the inside

Throat cancer

Benefits of cessation Your body begins to heal within 20 minutes after your last cigarette.

The poison gas and nicotine start to leave your body. Your pulse rate goes back to normal. The oxygen in your blood rises to a normal level.

Within a few days you may notice other things: Your senses of taste and smell are better. You can breathe easier. Your "smoker's hack" starts to go away. (You may keep coughing for

a while, though.) The nicotine leaves your body within three days. Your body starts to

repair itself. At first, you may feel worse instead of better. Withdrawal can be hard. But they are a sign that your body is healing.

Source: cdc.gov

How to quit

First step is to make the decision based off of the right motivational factors

Expect withdrawal and cravings, plan diversions accordingly Eliminate opportunity for temptation Be accountable to someone (friend, family, spouse) Understand that every cigarette you refuse to smoke is an

investment in your life and family Know that each day you go without gets easier Do not pass out when you see how much money you will save long

term (can literally be a second college or retirement fund!)

Alcohol Long Term Effects

Prolonged, use of alcohol (even moderate) can lead to addiction (alcoholism).

Long-term effects of consuming alcohol (even moderate quantities) can lead to: • permanent damage to vital organs • several different types of cancer • gastrointestinal irritations, such as nausea, diarrhea, and ulcers • malnutrition and nutritional deficiencies • sexual dysfunctions • high blood pressure • lowered resistance to disease

Source: gdcada.org

What the effects of alcohol look like inside

Throat cancer

Alcohol + smoking increases

risk of throat cancer by as much

As 70%

Alcohol, the other side of the coin

Teen alcohol abuseInfidelity and divorce

Depression and hopelessness

Untimely death of self and others

Consider this Social drinkers are responsible for the majority of alcohol

related traffic deaths (21,634 alcohol related deaths/homicides in 2006)

Social drinkers show a higher rate of unintended pregnancy and STD transmission

Majority of alcoholics began as social drinkers Domestic abuse is more prevalent with social drinkers 12,928 alcohol liver disease deaths (2006) persons 50

years of age and under

Souce: cdc.gov

What are we saying here?

Alcohol is poison, it has no nutritional benefits, can pose serious health risks, and altered consciousness can lead to life changing consequences

Simple cost/benefit when considering drinking, if you have to justify it, you probably should not do it

Good – moderation Better – sparse moderation BEST – find an alternative

Obesity

Since the mid-1970s, the prevalence of obesity and overweight has increased dramatically in the United States. The prevalence of overweight has tripled among children and adolescents, and nearly two out of three adult Americans are either overweight or obese.

Source: ers.usda.gov

The numbers Overweight and obesity costs total $117 billion in the United

States. Direct cost is $61 billion. Indirect cost is $56 billion. Direct costs include the cost of physicians and other professionals, hospital and nursing home services, the cost of medications, home health care and other medical durables. Indirect costs include lost productivity that results from illness and death.

Lost productivity costs related to obesity (BMI > 30) among Americans ages 17-64 is $3.9 billion. This value considers the following annual numbers (for 1994):

-Workdays lost related to obesity: 39.3 million-Physician office visits related to obesity: 62.7 million-Restricted activity days related to obesity: 239.0 million -Bed-days related to obesity: 89.5 million

Source: american heart association

What obesity looks like on the inside

Body scan showing subcutaneous fat and visceral fat

Fatty liver disease

Why do we get fat?

Fat storage is a primal survival mechanism meant to protect us from famine

Fat is simply stored energy meant to sustain life function Modern foods are energy “calorie” dense and nutrient deficient and

are easily stored as fat Many live convenience based lives and do not exercise or make

conscious nutrition decisions Chemical additives slow metabolic function and promote fat storage Weight loss industry sets consumers up for failure by promising

“miracles in a bottle”, “magic diet secrets”, or “fat eradicating exercise gizmo’s”

LACK OF EDUCATION!

Now how do we get rid of fat?

This is easier than you may think Optimum nutrition, exercise, reduce stress/anxiety, healthy

activities, and a good attitude Consume maintenance calorie intake or no greater than

10% caloric deficit and displace additional calories through exercise and activity (for optimal metabolic performance)

How do we get rid of fat cont…..

“diet” is another word for structured failure! Balance is a key component in both success and

longevity Seek academic based sources of education.

Knowledge is power! Work harder, consume less…the energy has to

come from somewhere

Why “weight loss” is not always the ultimate goal

The popular opinion “a pound of muscle weighs more than a pound of fat” is a myth. A pound is a pound is a pound, muscle, bricks, or fat!

Fat eradication is the focus, not just total body weight. Cutting too many calories leads to muscle loss not fat loss

but could make you weigh less. Do not rely solely on the scale.

Diet pills, making the nation fatter and the weight-loss industry richer!

Adversely affect sensitive endocrine (chemical) balances often permanently and can diminish your natural metabolic processes

Most rely on a diuretic effect for rapid weight loss (yep you’re losing water not fat)

Neurological stimulants can create nervousness, light headedness, heart attack, and even DEATH! With NO proven fat loss effects

Digestive manipulation supplements (ALLI for instance) cause uncontrollable flatulence, oily discharge, gastric cramping, enzyme damage, just to start. And they ARE NOT PROVEN TO WORK!

=

UN-REGULATED UN-PROVEN UN-SAFE!

Infomercial gadgets “take you for a ride alright”

Play on the emotions of those seeking weight loss, fitness, and better health Creative marketing schemes The “Money Back Guarantee scam” wants you to be too embarrassed to

return the item or make the item too cumbersome to re-package to return Play on popular myths (working abs makes your tummy slimmer) Not true! Touts exercise as “easy” if it’s EASY it’s activity not exercise and you’re

benefits are minimal.

+ =

Nutrition + Exercise + Active lifestyle= weight loss and good healthThat’s it, no gimmicks or gadgets necessary!

Food: Gas, diesel, or rocket fuel

Body knows food as fuel and NOTHING ELSE! Primal instincts; use it or store it Poor quality = poor performance What is good, what is bad? What about cravings? If you cannot pronounce it, you probably should not eat it Metabolism boosters and killers!

What is good, what is bad?

Good food: Natural, un-processed, low fat (saturated/hydrogenated/trans), low sugar, naturally prepared, as close to raw as possible, simple foods

Bad food: Processed (cannot pronounce the ingredients), high fat (especially saturated/hydrogenated/trans), high sugar, low nutrient/high calorie

Here’s the examples of the good stuff

Quality proteins: Lean poultry, fish, egg whites, soy, lamb, veal, 93% lean or leaner beef, nuts

Quality fats: Extra virgin olive oil, walnut oil, fish oil, flax oil, canola oil

Quality Carbohydrates: 100% whole grain breads and pasta, oats, barley, millet, brown rice, sweet potatoes

Fresh fruits and veggies in abundance! Miscellaneous: Salsa, fat free salad dressing (watch for high

sugar), fat free popcorn, Mrs. Dash (the queen of flavor!), Splenda, Smart Balance spread

This is the stuff that will get you!

Fast food (average meal is 1,200 – 1,500 calories!) Processed “foods” (preservatives, additives, color enhancers, shelf

stabilizers, artificial flavors, artificial colors, fillers, etc) the body does not process this stuff well or utilize it, most can be harmful in quantity!

High sugar foods (baked sweets, snack foods, candy, some “energy bars”)

Deep fried (this is a given!) Animal fat (fatty cuts of protein) Full fat dairy Convenience foods

Reading the labels

Notice the “servings per container” this is a multiplier. i.e: 350 calories per serving x 3 servings per container (but it looks like a single serving) = 1,050 calories per container.

This applies to the fat, and sodium as well and can add up quickly!

MOST WILL NOT EVEN NOTICE!

An example1 Ounce per serving, 6 servings per container, 160 calories per serving = 960 calories for “small” 6oz container!

For many, this “small” can of Pringles would be a mid-day snack or a side to a lunch or dinner item

This stuff adds up quickly and can be very deceiving!

Examples of “smart” meals Breakfast: Oatmeal sweetened with berries and Splenda, 1

serving egg beaters scrambled in olive oil with mushrooms and green onions, 4oz natural/unsweetened juice

Snack: small apple w/natural peanut butter (2 tsp) Lunch: Wrap (whole wheat tortilla) roasted chicken breast,

low fat cheese, low cal honey mustard, apple slivers, and baby spinach

Snack: 1c fat free cottage cheese 2 oz fresh berries Dinner: BBQ roasted chicken breast with steamed broccoli

and dinner salad (light dressing)

Hydration Supports: efficient muscle contraction, digestion, thermo-

regulatory system (sweating), blood viscosity, skin health, metabolic efficiency, nutrient/toxin transport, energy levels, tissue and cell health……….

100% pure H2O is optimal, typical adult should drink 16oz per hour for 8 hour day (128oz total)

Caffeine, alcohol, diet pills, and certain foods act as a diuretic and will require even more water intake

NO soda pop is not the same as water (if your body could use CO2 you would not exhale!)

Decaffeinated coffee and green tea sweetened with Splenda are fine

How many calories? Not the most important factor, but relevant Harris Benedict equation is simplest: Women: BMR= 655+(4.35 x weight in pounds) + (4.7x

height in inches) – (4.7x age in years) x activity quotient = maintenance calories – 10% = weight loss calories

Re-calculate for every 10 pounds lost This is in the book (broken down) and there are numerous

calculators on the web

Nutrition summary

Keep it: natural, simple, frequent, and in moderation Eat for the purpose of eating and nothing more, emotions do not

burn calories and junk/convenience foods should be seen as “not fit for human consumption”!

Stay hydrated your body needs the water to function You do not need to be a Dietician or Nutritionist to make sound

decisions. However seek education, the Nutrition For Dummies books are fantastic sources of easy to understand information without the hype

Plan ahead, pre-made meals are cheaper, more convenient, and healthier than “on the go” foods

Exercise time!

What is exercise? Now why would I want to do that? Can I just go “ride” on something at the health

club? I don’t have time to exercise Cardio vs. Strength training can’t I just do one or

the other?

What is exercise?

Exercise is simply the action of invoking composition and systems adaptation stimulus upon the body through movement and locomotion

Believe it or not, the body will not change unless you give it a reason to

Now why would I want to do that? The benefits of regular (4+ times per week) exercise are

immense! More energy, reduced effects of aging, stronger

bones/muscles, higher metabolism, increased neurological capacity/efficiency, healthier body composition, more active lifestyle, better self image, better quality of life, and the list is literally infinite!

YOUR BODY WAS DESIGNED TO WORK HARD, IF YOU’RE NOT, YOU’RE HURTING YOURSELF!

The “skinny” on the health clubs

Most machines isolate muscles in an un-natural plane of motion and can injure you permanently

Machine training is very inefficient for weight loss Learn how to use the functional gear: balls, bands, free

weights, discs, etc. Get educated (avoid sources that try to sell you something)

For Dummies books are great! Mix it up and have fun with exercise!

Examples of “free form” exercises

Exercise basics

Plan ahead, know what you are going to do and how you are going to do it

Keep records. Exercises, weight, reps, sets, etc. and plan for progression

Avoid social interaction (if you’re standing still you’re wasting time) try to stay on task

Whole body (upper push/pull, lower squat/lunge, core plank exercises,) circuit training is most efficient

Developing an exercise program Find at least 6 push exercises that use different modalities (dumb

bell, body weight, bands, barbell, etc.) Find at least 6 pull exercises that use different modalities (dumb bell,

body weight, bands, barbell, etc.) Find at least 6 lower body exercises that use different modalities

(body weight, barbell, dumb bell, ball, etc) Find at least 6 core exercises (plank front/side, bosu/ball plank, v-sit,

russian twist, etc) Find at least 6 “active rest” movement exercises using different

modalities (calisthenics, step, treadmill, elliptical trainer, etc)

Developing an exercise program cont…

Create a circuit consisting of at least five exercises using an exercise from each of the above categories. Mix it up each day.

Work 15 – 20 reps per exercise with as heavy a weight as you can handle safely (with good form)

Minimize rest between exercises

Cardio vs.. Strength

Cardio is aerobic (oxygen, carbohydrate, fat fueled) long duration/moderate intensity exercise. Examples: running, biking, stair master, calisthenics, etc meant to burn calories and increase cardiovascular health

Strength is anaerobic (ATP/CP fueled) short burst high intensity exercise meant to strengthen muscle, bone, connective tissue

Both components are VITAL to a proficient exercise program and can be achieved with functional circuit training

Having time to exercise

Do not “find” time to exercise, MAKE time to exercise! Plan ahead and work daily exercise into your schedule

even if it is 30 minutes in the morning and 30 minutes in the evening

Understand that exercise facilitates activity and the more you exercise the better you feel

Embrace the challenge and strive for more!

Exercise safety

NEVER do anything you’re unsure about NEVER be afraid to seek professional advice NEVER lift more than you can handle with PERFECT form NEVER continue if you become light headed, nauseous,

dizzy, or stop sweating NEVER get distracted when exercising AVOID obsession there can be too much of a good thing ALWAYS warm up and cool down ALWAYS stretch (dynamic/static, never ballistic)

Activity vs. exerciseWhat’s the difference?

Exercise facilitates activity and is meant to be work. The body does not change unless you give it a reason to!

Going well beyond the comfort zone to the “results zone” higher intensity is better!

Get involved with community programs, play with the kids, join a sports league, become active with a bike riding or power walking group, plan outdoor activities

“It’s not that easy”OH REALLY?

Humans are creatures of habit, and bad habits can be replaced with positive habits

Attitude, you have what you say Eliminating/distancing from temptations Evaluating your priorities Get educated Life is not just about you Make conscious/informed decisions

SIMPLE FIX! Eat clean, balanced, nutrient rich foods Exercise regularly (cardio & resistance) Stay active (sedentary lifestyle is harmful) Eradicate bad habits. Alcohol, smoking, drugs (including

weight loss or performance enhancing supplements) are all toxic to your body and hurt you every time you do it. Think about it, why would anyone intentionally poison themselves? Makes no sense does it?

Embrace life, it is a beautiful gift that should be treasured and enjoyed. It never lasts long enough and can be tragically cut short through negligence!

Make it work forever!

Understand that you’re endeavoring into a lifestyle change, not a diet!

We are creatures of habit, the more consistent you are the more likely you are to become and remain successful!

Get others involved and on board with you! Create accountability measures through record keeping

and partnership (yep get a snitch!) Embrace and know that challenges build character and

make you stronger!

GET EXCITED AND GET MOVING!

Life is a beautiful/precious gift, ENJOY IT! Inspire others to be healthy and re-gift the gift of life! Know your “golden years” will be quality times spent with

loved ones rather than burdensome and wishing for death Understand: “How your body treats you as you age is

dependent on how you treat it now”!

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Recommending a Benefits Strategy