ChamberCare Business Resources (PEO) Now Available

Who can predict the future of health insurance renewals? From major shake-ups in Washington to adjustments at the state level, the volatility of the insurance markets is leaving human resource and business professionals unsure of the path forward.

As part of the Indiana Chamber’s ChamberCare Solutions, we’re now offering the ChamberCare Business Resources (PEO). This unique program can help Hoosier companies with two or more employees manage their human resources, including compliance and reporting assistance and securing stable and affordable benefits.


Indiana Chamber Senior Manager of Membership Strategy Brett Hulse notes the value of the PEO to small businesses.

“This Professional Employer Organization (PEO) program is a great option for small businesses that are looking for savings and long-term stability with regard to their health insurance, while also providing access to HR and compliance resources that you would find at a large company,” Hulse notes.

Is your company the right fit for participation? If you answer “Yes” to any of the questions below, this program might be a good match for your business:

  • Would better benefits improve your ability to attract or retain employees?
  • Do issues with employment law compliance (e.g. employee classification, ADA, FMLA, etc.) concern you?
  • Do you have a 401(k) program for your employees? Would you like to reduce the cost and eliminate the fiduciary liability associated with this benefit?
  • Have you had any employee/labor issues for which you had to hire an attorney?
  • Is your handbook up to date and functional for your business?

“The Indiana Chamber has helped thousands of small businesses save money while offering competitive benefits to their employees for nearly 15 years. We’re excited to partner with Human Capital Concepts (HCC),” Hulse adds.

For additional details, or to learn more about how a PEO might be a great option for your business, contact Human Capital Concepts; to learn more about Indiana Chamber membership, contact Brett Hulse.

Takeaways From 2017 Indiana Health and Wellness Summit

Thank you to those who attended the 2017 Indiana Health and Wellness Summit at the beginning of the month. We hope you enjoyed the fantastic keynote speakers, breakout sessions and exhibitors. As the largest gathering of wellness professionals in Indiana, we strive to provide an exceptional experience to all who attend.

Wellness Summit

The summit connected more than 400 Indiana professionals with an opportunity to network and learn from others. I enjoyed honoring our 19 new AchieveWELL organizations, learning best practices and meeting dedicated wellness leaders from across the state.

Over the last several days, I have reflected on my key takeaways from the event and narrowed it down to these four items:

1) Wellness isn’t about the program; it’s about the people: Wellness champions should not get too hung up on implementing wellness programs, as the “program” is only the beginning. To truly effect change, wellness champions need to keep the employee (not ROI or reduced health care costs) at the center of all efforts.Stretch

2) Wellness requires top leadership support supplemented by grassroots efforts: Leaders must communicate the value, motivate the employees, link wellness to overall business goals and “walk the walk”. At the same time, employees need to drive efforts from the bottom up. Initiatives created and led by them will have a greater chance of buy-in.

hygiene kit

3) Workplace wellness efforts should go beyond the four walls of the organization to reach the community: An emphasis on wellness within the organization is important, yet the value of strong community wellness and employer support of communities cannot be overstated. Community initiatives should move beyond only financial support to truly engage employees.

4) The evolution of wellness: These elements of wellness – mental, physical, purpose, community and financial well-being – continue to be the backbone of a sustainable and comprehensive workplace wellness program. The wellness conversation continues to evolve, however, as workplaces look to address employee well-being as it relates to food insecurity, housing crises, workplace violence, diversity and substance abuse.

Jennifer Pferrer is the executive director of the Wellness Council of Indiana. Find out more about the Wellness Council of Indiana at

Donnelly Co-Sponsor of Chamber Policy Priority – Delaying Health Insurance Tax

Great news on a long-term policy priority for the Indiana Chamber! A bill has been introduced to delay the implementation of the Affordable Care Act’s Health Insurance Tax (HIT) until 2020 and to make the fees tax-deductible. As things currently stand, the tax would come into effect in early 2018 and bring with it increased health care costs.

Joe Donnelly

Senator Joe Donnelly is one of two co-sponsors of the measure from Sen. Heidi Heitkamp (D-ND).

The Indiana Chamber opposes HIT because of its impact on the small business community. HIT rests entirely on the insured marketplace, so that means businesses and their workers will feel the brunt. Higher premiums for consumers, including small and family-owned businesses – no thanks! And to make matters worse, the tax does not sunset but increases through 2024 and is adjusted for premium growth.

A recent report funded by UnitedHealth Group says that HIT would “increase 2018 health care costs by $158 per person on the individual market, and by $245 for Medicare Advantage participants.”

The HIT has been a bipartisan bone of contention for years, with a previous one-year delay in implementation already having passed Congress.

The Heitkamp-Donnelly bill, S. 1978, now will be reviewed by the Senate Finance Committee.

The Indiana Chamber will continue to voice its approval for this measure to our delegation members.

Open Enrollment is Here, Save with ChamberCare


The end of the year is approaching, which means your organization is likely exploring health insurance options for 2018. Did you know that since 2004, the Indiana Chamber has helped thousands of small businesses receive significant savings on this ever-growing expense? As your organization makes this important decision, please consider our ChamberCare Solutions program, which includes the following options:

  • ChamberCare Business Resources: Save money by avoiding community rating and receive significant assistance with HR and payroll functions.
  • ChamberCare Savings: An excellent choice for companies with 51-99 employees. Save 5% on any Anthem plan.
  • ChamberCare Exchange: Access to quality, affordable health plans that are ACA-compliant. Also, deep discounts on dental, vision, life and disability coverage.

As you navigate these important decisions, be sure to ask your insurance agent if ChamberCare Solutions is a good option for your business. Visit our web site for more information.

Hoosiers Need More Zzzzzzzzs (Employers Can Help)

Sleepy worker

Ten years ago, sleep was not one of my top priorities.

I slept whenever I wanted (outside of my work hours). It was glorious.

Now that I’m a parent of two small children and come home to chores and tasks and homework and all the things you have to squeeze in to a 24-hour period (along with any sort of relaxation at the end of the day … Netflix on the couch, anyone?), sleep is the thing that gets squeezed out of my schedule.

I know skimping on sleep is not a healthy habit and that I need to make it more of a priority. But, like other busy people, I have a lot of priorities. What’s the motivation for more sleep?

It turns out I’m not the only Hoosier with this particular challenge. A recent article in the Indianapolis Star reports that more than 38% of Hoosiers say they don’t get the recommended amount of sleep per night (at least seven hours).

The article’s headline claims Indiana is the 8th most tired state. While we beat out Hawaiians (who came in last), the residents of South Dakota are seemingly very well rested.

Why should employers care if their employees aren’t prioritizing their rest?

Obviously, sleepy employees make for less productive employees. That’s not surprising.

What is surprising is how much the unrested employees might cost employers. The National Safety Council this week revealed a cost calculator to show the impact of sleepy employees.

Other concerns for employers include health care-related costs – from paying more over time for employees with sleep disorders who require medicine or machinery to get their required rest to the correlation to Indiana’s obesity rate, which can impact sleep quality. All of this can cost employers in terms of health care expenses and absenteeism issues.

So what is an employer to do? For one, the Wellness Council of Indiana offers employers a road map to implementing wellness programs in the workplace. Whether or not your wellness game plan directly targets the sleep of your employees, you can take steps to encourage your employers to eat, move and sleep better. Here are a number of resources you might find useful, including this article on sleep habits; one on workplace fatigue risk management; and this newsletter focusing on the dangers of insomnia and suggestions for how to deal with the condition.

You can also simply ask your employees if they feel well-rested and if there is any other way you can motivate them to get better rest. Perhaps an internal policy change regarding work hours or flexible scheduling could make a bigger impact than you realize. Even encouraging employees to make sure they take advantage of their vacation time could help ensure rested, rejuvenated employees who are ready to work.

What other ideas do you have for encouraging employees to get more rest (at home)?

Workplace Wellness 101 and More

Companies looking to save money on health care costs (and who isn’t) are increasingly turning to wellness programs or initiatives. The best part of this approach is that there are more and more examples from which to learn.

The Indiana Chamber has compiled case studies, best practices, research, legal information and more on the Business of Health web site. The Getting Started section just might be the place for your organization to save some money, enhance the productivity and loyalty of your employees — and take a little chunk out of the health care monster that demands federal guidelines and solutions.

Check it out. Let us know what you think.