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SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill

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Page 1: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

SMOKING CESSATION Helping Employees Break the Habit

January 25, 2018

Diane Andrea

Wellness Consultant

J.W. Terrill

Page 2: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Surgeon General’s Report on Smoking and Health

1964 Report first issued, 42% of Americans smoke

1966 Required warning labels on cigarettes

1969 Begin to phase out cigarette ads on TV and radio

Page 3: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

1970 37% of Americans smoke

1971 Last cigarette ad airs on TV

1975 Army and Navy stop providing cigarette rations to troops

Page 4: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

1980 33% of Americans smoke

1986 Surgeon General Report dedicated to the health effects of

secondhand smoke.

Page 5: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

1990 26% of Americans smoke

1993 The White House goes smoke-free

1999 Outdoor and transit billboard ads for tobacco products

banned

Page 6: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

2000 23% of American’s smoke

2009 Congress authorizes biggest federal tobacco excise tax ever

2014 16.8% of Americans smoke

Page 7: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

50th Anniversary Surgeon General’s Report on Smoking and Health Key Findings

• Cigarette smoking has declined

• Still the leading cause of death and disease

• Secondhand smoke causal factor for stroke

• Increase number of women developing smoking related disease

Page 8: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

“We are at a historic moment in our fight to end the epidemic of tobacco

use that continues to kill more of our citizens than any other preventable

cause.”

Rear Admiral Boris D. Lushniak, M.D.,

Acting U.S. Surgeon General

Page 9: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Negative Health Effects

• Cancer

– Lung, trachea, esophagus, oral, lip, nasal cavity, larynx, stomach,

bladder, pancreas, kidney, liver, uterine, colon, rectum

• Respiratory disease

– COPD, emphysema, TB, asthma

• Heart disease

– Stroke, cardiovascular disease, PAD, abdominal aortic aneurysm

Page 10: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Negative Health Effects

• Type 2 Diabetes

• Compromises immune system

• Eye disease

• Reproductive health

Page 11: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Power of Nicotine Addiction

• Fast acting

• Increases dopamine

• Especially with children and teens

Page 12: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Current Smokers

Page 13: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Smokers

$5,800 per year

Page 14: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Page 15: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Employer Survey

Believe it is beneficial to provide employees with smoking cessation benefits.

The CDC guidelines would be effective to helping employees quit.

Companies that provide comprehensive smoking cessation benefits

Offer no smoking cessation components.

93%

71%

2%

19%

Page 16: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Employer Survey

42% 35% 32%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

Establishing asmoke-freeworkplace

policy

Coveringcounseling

Coveringprescriptionmedications

Page 17: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

CDC and AHRQ Recommendations

• Cover at least 4 counseling sessions

• Cover smoking cessation prescription medications

• Cover OTC NRT

• Provide counseling and medication coverage for at least 2 smoking

cessation attempts per year

• Eliminate or minimize co-pays or deductibles for counseling and

medications

Page 18: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Recommendations

• Treat as a chronic disease

Page 19: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Employer Best Practices

• Smoke-free workplace

• Plan design coverage for medications

• Smoking cessation programs

Page 20: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Smoke-Free Workplaces

• Smoking restrictions indoors

– Reduces exposure to second-hand smoke

– Reduces number of cigarettes smoked

– Increase in number of smokers who quit

Page 21: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Smoke-free Workplace

Page 22: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Workplace Smoking Bans

• Assess the need and interest

– Form committee

– Assess management interest

– Assess the workplace

– Gather input

Page 23: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Workplace Smoking Bans

• Planning phase

– Convene a planning committee

– Develop a policy

- http://www.cdc.gov/nccdphp/dnpao/hwi/downloads/CDC_tobacco_polic

y.pdf

Page 24: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Workplace Smoking Bans

• Communication strategy

• Implement the initiative

– Offer cessation resources

– Announce the policy

– Create a supportive environment

– Enforcing the policy

Page 25: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Workplace Smoking Bans

• Evaluation

– Pre and post implementation surveys

– Smokers who have quit

Page 26: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

The Business of Quitting

• Cover smoking cessation prescription medications

• Cover OTC NRT

• Cover at least 4 counseling sessions

• Provide counseling and medication coverage for at least 2 smoking

cessation attempts per year

• Eliminate or minimize co-pays or deductibles for counseling and

medications

Page 27: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Effective Medications

• Bupropion SR (Wellbutrin)

• Varenicline (Chantix)

• Nicotine gum

• Nicotine inhaler

• Nicotine lozenge

• Nicotine nasal spray

• Nicotine patch

Page 28: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Counseling

• Individual, group and telephonic

• Problem solving/skills training

• Social support

• Counseling + Medication = Most Effective

Page 29: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Resources

• American Lung Association Freedom From Smoking™

– Onsite classes

• American Cancer Society Quit for Life

– Telephonic coaching

• Carrier resources

Page 30: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Free Resources

• www.smokefree.gov

• www.becomeanex.org

• www.lung.org/stop-smoking/

• www.heart.org

• www.cdc.gov/tobacco/osh

– Tips from former smokers

Page 31: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Quit Line

• 1-800-QUIT-NOW (1-800-784-8669)

Page 32: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Complementary and Alternative Quit Methods

• Helpful

– Meditation-based therapies

– Yoga

– Guided imagery

• Not sufficient evidence

– Acupuncture

– Hypnosis

– Dietary supplements

Page 33: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Examples of Incentives

• Benefit enhancements

• Lower deductibles

• Reduced premiums

• Flexible benefit credits to attend tobacco cessation classes or telephonic

counseling

• Cash

Page 34: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Benefits Package Options

• Beneficiaries

• Medications

• Counseling

Page 35: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Tobacco Use Premium Differentials

• Allowable up to 50% of total premium

• Offer as a discount

• Follow ACA guidelines

Page 36: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

ACA Guidelines for Tobacco Use Premium Differentials

• Total reward for a nonsmoker cannot exceed 50% of the total employee-

only coverage.

Page 37: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

• Eligible individuals must be given an opportunity to qualify for the reward at

least once per year.

Page 38: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

• A reasonable alternative standard must be made available to any individual

for whom it is unreasonably difficult due to a medical condition to satisfy the

standard

Page 39: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

• Reasonably designed program, not overly burdensome, not to be a

subterfuge for discriminating bases on a health factor and not be highly

suspect in the method chosen to promote health or prevent disease.

Page 40: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

• The plan must disclose in all plan materials describing the terms of the

program with the availability of other means of qualifying for the reward.

“Stop smoking today! We can help! If you are a smoker, we offer a smoking

cessation program. If you complete the program, you can earn this discount.”

Page 41: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Key Points to ACA Guidelines

No more than 50% differential

Employer paid program

Employee receives discount regardless if they quit smoking or not

1

2

3

Page 42: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Verification

• Serum

• Urinalysis

• Saliva

• Affidavit

Page 43: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Affidavit

I am a smoker or tobacco user and:

I will participate in and complete a company approved smoking cessation program*. Information on company approved programs is available through Human Resources, and you are

responsible for enrolling and completing the program and providing written verification of the

program’s completion to Human Resources by _____________.

*If, due to a medical reason, you are unable to achieve the standard for the tobacco free discount contact

the human resources office to determine requirements for alternative qualification for the discount.

I will not participate in a company approved smoking cessation program and realize I will

not receive the discount.

Page 44: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Electronic Cigarettes

• Battery-operated device

• Vaporizes nicotine

• Not regulated by FDA

Page 45: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Electronic Cigarettes

• Can they help?

• Decide

Page 46: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Page 47: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

J.W. TERRILL• MARSH & McLENNAN AGENCY LLC

Q& A Diane Andrea

[email protected]

Page 48: SMOKING CESSATION Helping Employees Break the Habit · SMOKING CESSATION Helping Employees Break the Habit January 25, 2018 Diane Andrea Wellness Consultant J.W. Terrill . J.W. TERRILL•

Legal/regional regulatory statement to be added here if required.