Download - Dilemma for Benefits Communications Central Virginia Employee Benefits Council March 5, 2008
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Dilemma for Benefits Communications
Central Virginia Employee Benefits CouncilMarch 5, 2008
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A Looming Disconnect
• Increasingly complex benefit responsibility for employees
• Wider use of “new media”
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Choosing Benefits
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Example
• 25 year old single female new hire• Full time• $36,000 salary
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Complex Decisions
• Which medical plan? $$ now and later?
• FSA/HSA/HRA?
• Do I save a % of my pay? How much is that?
• What investment funds to select?
• Can I buy more vacation?
• Do I have the right life insurance?
• Do I have to have disability benefits?
• Am I ever going to have fun again?
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Difficult Financial Concepts
• Net pay• Cash flow• Pre tax• Investment funds• Tax bracket• Eligible claims• Year end carryover• Deductible• Reasonable & customary fees
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Where Do They Get Their Information?
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Information in Age of Aquarius
• Boomers (over 45)– Meetings
– Handouts
– Booklets
– Local community contacts
– Internet
– Videos
– Peers
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Information in New Media
• Gen X and Millennial (under 45)– Peers– Cell phones– Text messages– Online communities– Blogs – E-mails– Internet– Podcasts– Print– Video– Meetings
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New Media
• Technology based
• Mobile
• Interactive
• User-generated
• Wireless
• Peer to Peer
• Instant Speed
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New Media
• Blogs
• Podcasts• Sound
• Video
• Text Messaging Networks
• Online Communities
• Craigs list
• Vault
• ITunes– NPR rebroadcast
• YouTube
• Otair
• Omnilert
• Wesabe
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New Media
• www.wesabe.com• www.mint.com• www.cleverdude.com• www.choate.com• www.abcnews.go.com• www.richmond.craigslist.org• www.youtube.com
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Blocking & Tackling
• Who’s your audience?• What’s your message?• What behavior needs to occur?• What does the audience pay attention
to?• Or getting to “open”• What media is available?• Timing?• Budget?
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25 Year Old New Hire???
• Millennial• Generation X
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Questions?
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Dilemma for Benefits Communications
Jackie P. Jackson804-864-1925jpjackson@jackconsultingllc.comwww.jackconsultingllc.com