Author: Andrew

5 Personal Habits to Stop Spreading Germs in the Work Place

Posted on

February 3rd, 2020

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Cold and flu season is notorious for causing frequent, prolonged absences in the workplace due to illness. Businesses attempt several methods to reduce this problem by implementing hand sanitizer stations, employing industrial-strength cleaners, and providing employees with resources on staying healthy. While these are all good things to do, employees can take additional steps on their own to ensure their continued good health.

  1. Stay home when ill. Many employees feel compelled to come to work even when they’re sick. They may be afraid of falling behind on a major project or overburdening their team by not contributing their part of the work. However, coming to work with an active infection or illness can spread the disease and cause widespread absences, which will only worsen workloads and deadline delays. The best thing employees can do once they contract the flu or other illnesses is to stay home until they’re no longer contagious.
  2. Limit sharing. Borrowing a pen or sharing a bag of chips may seem charitable, but it’s asking to spread germs. Coworkers don’t always show signs of sickness despite being infectious in the early stages of their illness. Limiting contact with coworkers during cold and flu season is a smart tactic to avoid germs.
  3. Keep hand sanitizer close. Employees accept forms, sign for packages, use communal office equipment, and perform several tasks that bring them into close contact with each other even if they avoid sharing personal items. Having hand sanitizer to use after touching office supplies and equipment can cut down on the spread of germs.
  4. Stop touching your face. People touch their faces constantly throughout the day without thinking about it. Rubbing their eyes, scratching at their nose, and covering their mouth while they yawn are instinctual actions, but they also spread germs. Employees that frequently touch their faces are giving germs easy access to invade their bodies and spread disease.
  5. Keep a tidy workspace. Wiping down surfaces, keyboards, and phones with disinfectant wipes can halt germs in their tracks. Being mindful of coffee cups and food containers are also critical as germs can linger on these surfaces and infect employees when they drink or eat. Thoroughly cleaning dishes and keeping food containers sealed can help prevent this.

Educating employees on personal habits to prevent illnesses is critical to reducing disease-related absences. If your workplace is struggling with absenteeism, Actec can help. Contact us to learn more about our absence management system.

What Customers Want from Their Insurance Provider

Posted on

January 27th, 2020

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When it comes to selecting an insurance provider, whether for home, auto, business, or otherwise, customers look at several core elements when making their decision. Insurers that want to remain competitive need to analyze what these individuals want in order to implement practices that will retain existing customers while enticing new ones.

When choosing an insurer, people consider the following metrics:

  1. Cost. Everybody has a price limit in mind for how much they’re willing to pay for the coverage they need. While some individuals will sacrifice coverage in lieu of a lower price tag, not many are willing to take this route. If a provider’s rates are too high, the individual will look elsewhere for coverage. While several factors influence what rates a provider can offer, insurance companies need to keep this fact in mind when considering their target audience.
  2. Customer satisfaction. Even if an insurer offers great rates, potential customers will give them a wide berth if the reviews are lukewarm. Satisfaction ranks pretty high on customers’ priority lists and includes courtesy, how easy it is to reach a representative, and timely communication.
  3. Discounts. With price being a significant influence on a customer, many insurance providers offer discounts to offset premiums. Many of these discounts benefit both parties, such as bundling services. The insurer secures two policies while the insured receives a discount. Other discounts include good student discounts, safety feature discounts, safe driver discounts, and discounts for individuals that belong to certain groups such as AAA.
  4. Claims. Claim satisfaction is a significant indicator for customer retention and acquisition. Even if a provider offers fantastic rates and discounts, no one wants to rely on a company with protracted, lackluster claims services. Customers expect the claims process to be simple to navigate from start to finish. They will not hesitate to find a new provider after a negative claims experience.

A variety of factors affect what insurance provider a customer will choose as well as whether they will stay with their existing provider. While cost and discounts can fluctuate, satisfaction with the claims process can make or break the customer-provider relationship.

When a customer initiates a claim, they’re trigging first notice of loss (FNOL). This represents the single greatest opportunity a provider has to ensure a satisfying experience. If a customer completes FNOL and leaves the interaction unhappy, it is very difficult to improve that individual’s satisfaction with the claim from there. Contact the experts at Actec to learn more about improving FNOL and customer claim satisfaction.

Addressing Excessive Workday Breaks

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January 20th, 2020

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Employees need breaks to re-energize and remain engaged with their work. Slogging through the workday without pausing to eat and take a mental break can lead to burnout and hinder productivity. However, employees who take excessively long breaks create problems as well. When an employee leaves for lunch and returns well after they’re due back, they can hold up projects or spread the behavior to other staff members.

If an employer suspects or notices staff members stretching their lunch break, they can take the following steps to rectify it and prevent further instances of it in the future.

  1. Outline clear policies. Many company handbooks discuss major attendance issues like how to request sick leave, how the employer handles tardiness, and so on. However, taking excessive breaks doesn’t always make the cut. While employees should know they can’t extend their lunch hours, providing clear, direct rules can resolve any confusion.
  2. Keep records. Having proof of break abuse can assist in facilitating a productive conversation with the offending employee. Making accusations without evidence of any rule-breaking can cause employees to become defensive.
  3. Find out the cause of the behavior. It’s rare that an employee is slacking off for the fun of it. If employers notice employees suddenly taking longer breaks, they should look for the root cause. Problems such as bullying, feeling unchallenged, or issues at home can leave an employee feeling fatigued and disengaged with their work.
  4. Establish a strategy. After addressing the problem, employers need to develop a clear plan of action for the employee while offering support if necessary. Simply telling an employee to stop taking long breaks doesn’t address what’s causing the behavior in the first place.
  5. Avoid micromanaging breaks. It’s not worth raising a fuss over employees that are only a couple of minutes late from their lunch, particularly if it’s not a frequent occurrence. The best way to know if extended breaks are becoming a problem in the office is to keep track of them with an absence management system.

Taking long breaks can lead to additional unwanted attendance issues. Arriving late, leaving early, and long breaks can all culminate in a rampant absenteeism problem. Contact the experts at Actec to learn more about our absence reporting solution.

How to Improve the Customer Experience for Better Retention

Posted on

January 13th, 2020

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Individuals selecting their insurance providers tend to be choosy because they know they can afford to be. With so many providers on the market, these people have endless options to research and snaring them relies on a combination of offering products and features they want at a competitive price. However, maintaining their loyalty is a challenge as well. Focusing on maximizing the customer experience whenever they call to file a claim or seek more information about their coverage can go a long way to retaining existing clients.

Not only that, but it costs significantly more money to obtain a new customer than it does to keep existing clients happy. As such, it behooves insurers to put time and effort into boosting customer service. When customers are happy with how their provider does business, they’re more likely to stay with that company even when their insurance needs change.

The following are some of the more effective means of improving the customers’ experience while interacting with their insurance provider:

  1. Keep it simple. When customers have to go through several phone trees or navigate down numerous website menus, they’re going to become frustrated fast. Building websites so that they’re customer-centric can cut down on confusion and keep their business.
  2. Remove unnecessary steps. While some customers may want to browse or compare their options, some know upfront what they want. Offering a direct option for these individuals to receive quotes or purchase coverage removes unnecessary hassles and keeps those clients satisfied.
  3. Open up additional communication options. Sometimes, customers have basic questions about their policies or coverage that would be much simpler to answer via a chat or text system. This is also beneficial during periods of crisis when customers need to produce documents following an incident.
  4. Allow for customization. Every customer’s insurance needs will be different and a one-size-fits-all policy isn’t going to work well. For example, customers that own vintage cars may not need full coverage during the winter months if they put them away in storage. Allowing for flexible coverage that shifts with their needs provides value and instills customer loyalty.

From digitization to ease of use, insurers can take several steps to overhaul their approach to customer service. Contact the experts at Actec to learn more about improving customer satisfaction through effective claims management, first notice of loss, and more.

How to Manage Employees Abusing Their Sick Leave

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January 6th, 2020

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There are several legitimate reasons an employee may call out of work. Illnesses, federally protected leave, and family emergencies can arise without notice. However, when employers begin to notice certain employees always seem to call out sick during the summer or holiday season, they may have an absenteeism problem on their hands.

The Effects of Absenteeism

Absenteeism rates vary depending on the industry, but the averages range from 2.1% to 4% of the workforce. While that may not seem very high at a glance, it can have far-reaching consequences. For businesses with 500 employees, this can mean as many as 20 employees are misusing their sick leave. This costs employers in several ways. Not only do they have to pay the employee for work they didn’t perform, but it also puts a strain on the remaining employees as they have to pick up the slack. This can result in missed deadlines, a loss of reputation, poor workplace morale, and a hit to profits.

Monitoring Sick Leave Abuse

The simplest way to prevent absenteeism is to be aware of it through an attendance system. Employers can keep an eye on potential sick leave abuse in the following ways:

* Recognize the signs and intervene early
* Find out why the employee is abusing their leave; there may be a larger problem at play causing the absences such as office bullying or a scheduling conflict
* Learn to say no to unrealistic requests for leave
* Ensure employees are aware of sick leave policies as well as the resulting disciplinary action for abusing sick leave

Of course, another element of monitoring sick leave is encouraging employees to use it correctly as well. Employees who come to work despite their illness can spread contagion and cause widespread absences.

Balancing legitimate sick leave requests while preventing absenteeism can be a challenge for employers. This is why having an absence management system is vital. Such systems can track absences, identify attendance trends, and more. Contact the experts at Actec to learn how we can help your business eliminate absenteeism.

4 Key Elements that Improve Customer Claim Satisfaction

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December 30th, 2019

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If an insurance provider’s claim cycle is out of touch with modern expectations, they will struggle to keep up with their more tech-savvy competitors. Optimizing the claim cycle can boost customer satisfaction as well as improve their loyalty. Insurers looking to improve their claims cycle as a means to boost customer retention should focus on the following areas:

  1. Be proactive. Accidents happen and claims follow suit, but insurance providers can take steps to avoid costly, time-consuming claims. This means running risk profiles on clients to identify who is most likely to report a loss. Instead of waiting for a high-risk client to submit a claim, insurers can take steps to help them reduce their risks.
  2. Make the process customer-centric. Insurance companies used to make business decisions that met their own preferences first before considering their customers’ outlooks. This was often the case because operations could flow more smoothly with convenient structuring. However, what is helpful for the insurer may impede the customer. Insurance providers that wish to remain relevant need to take steps to provide personalized, transparent, and rapid services that make the process easier for customers.
  3. Provide swift responses. Identifying threats and opportunities early allows insurance providers to develop a rapid response plan. Anticipating customer’s needs and concerns can keep business operations flowing smoothly. For example, younger generations rely heavily on social media and online reviews of companies and their services. By using smart software or artificial intelligence, insurers can monitor social media posts that mention them in both a positive and negative light. This gives them the opportunity to engage to prove their superior service skills.
  4. Go digital. Mobile apps for insurance providers aren’t a new concept, but some insurers are taking technological advancements to the next level to give them an edge. Connected devices, data analytics, and the Internet of Things are transforming how the industry operates. The data gives insurance companies actionable insights to improve the customer experience as well as detect fraud sooner.

Customer expectations are ever increasing and insurers need to be ready to meet them or risk heightened customer turnover rates. If your existing claims process is struggling to keep up with customer demands, Actec can help. Contact us to learn more about our claims management solutions.

5 Hallmarks of a Fair and Effective Attendance Policy

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December 16th, 2019

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In a perfect world, employees would arrive on time, work diligently, and leave on schedule. However, a plethora of events can affect attendance—unexpected traffic, surprise illnesses, or sick children can wreak havoc on employee attendance. The worst-case scenario is rampant absenteeism with employees abusing their paid leave or shirking their attendance by arriving tardy, ducking out early, or taking excessive breaks.

Of course, the solution is to enact an attendance policy with clear guidelines, but several elements go into making an attendance policy palatable to everyone while eliminating absenteeism:

  1. Consider the company culture. If a manager is reworking or developing an attendance policy for the first time, it’s likely in response to ongoing problems with attendance. Not having a policy in place can make people lax about arriving on time or remembering to call in promptly for illnesses. There may be cultural factors at play affecting this behavior as well. For example, if most of the employees have young children, they have bus and school schedules to consider before leaving for work. Incorporating flextime may help resolve the issue or give employees options to ensure they arrive on time.
  2. Provide straightforward definitions. Employers should provide clear definitions for attendance infractions. For example, there should be separate categories for no-shows, absences, unscheduled absences, and sick days. The disciplinary procedures should align with the type of absence as taking a planned day off work has very different effects than an employee who didn’t show up at all without notification.
  3. Discipline that suits the scenario. Employers should look at the overall effect each type of attendance scenario enacts on their business. For example, someone running five minutes late does not have as large of a ripple as someone who arrives an hour late. The same is true of someone scheduling an absence to take care of preventative healthcare such as getting the flu shot and an employee who calls an hour after they were due into work to say he or she isn’t coming. A three-strike policy for each scenario up a progressive discipline chain can allow managers to keep track of trends as well as give employees enough leeway to keep the policy fair.
  4. Get employee input and signatures. Even if a policy is fair, no employee is going to take kindly to having new rules dropped on them without notice. Consulting with employees to gain their perspective can offer insights employers hadn’t considered. Once everyone reaches a consensus, having employees sign the policy can help keep them accountable.
  5. Follow the golden rule. Treating others how you want to be treated isn’t a new concept, but employers can lose sight of it while juggling the many demands of running a company. The easiest benchmark is to make sure the employer can comply with the policy without bending over backward to do so. If the employer isn’t willing or able to meet the rules of the policy, then it’s too strict for employees as well.

If your business is struggling with attendance issues, Actec can help. Contact us to learn how our absence management system can help your company.

How to Boost Employee Morale During Winter Months

Posted on

December 9th, 2019

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Shorter days with less sunlight can take their toll on employees. Freezing temperatures and winter weather can also make employees less than thrilled to get out of bed and make the frigid trek to the office. With low spirits, employers may start to notice an uptick in employees calling out of work. While legitimate causes for an absence here or there can crop up, employers should always be on the lookout for signs of absenteeism.

Boosting morale with the following tips can help keep the winter blues and absenteeism at bay:

  1. Make the office warm and inviting. Maniacal control of the thermostat may contribute to employee discomfort. No one wants to go to an office that is freezing when the weather is already cold. Small touches like offering hot beverage options such as cocoa or cider can make the office a more pleasant place to be for employees.
  2. Put employee health first. Shorter days mean less sunlight, which can trigger depressive effects in some individuals. Keeping breakroom baskets filled with vitamin-C heavy fruits and Vitamin D supplements can help keep this problem at bay.
  3. Offer work-from-home-Fridays. With wintry weather and chilly winds, giving employees some flexibility during the winter can go a long way toward improving their mood. While not every job is suitable for telecommuting, employers could also consider shutting down the office for a week or two during the holidays to allow employees to maximize their family time without using their leave.
  4. Hold office parties during work hours. Employees don’t typically enjoy mandatory fun if it encroaches on their free time. However, hosting parties with free food and beverages during typical work hours is a big morale boost. When employees relax and socialize, it can reinvigorate their drive.
  5. Host office workouts. Cold weather has a way of sapping motivation, causing many people to slack off in the exercise department. Working out together can strengthen employee bonds and improve the overall mood in the office. In addition to releasing endorphins, exercise helps boost the immune system. This can help keep employees healthy during the cold and flu season.

Finding ways to keep employees happy and productive during the gloomy winter months can help prevent absenteeism. If your employees are calling out more often than usual, you may have an attendance problem. Contact the experts at Actec to learn how our absence reporting program can help your business.

How to Improve Customer Satisfaction During a Claim

Posted on

December 2nd, 2019

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It’s common knowledge that first notice of loss (FNOL) represents the greatest opportunity to establish the insured’s satisfaction level. After this point, it is difficult to move the needle so it’s vital to ensure a smooth start to the claim. However, there are other factors at play when it comes to customer loyalty and retention.

How Millennials Are Changing Insurance Claims

It’s no surprise that millennials and other younger generations have a preference for technology when it comes to initiating and managing their claims. There is also a growing mentality that customers should be able to receive updates on their claim anywhere, at any time, in any way they so desire. This most often means having access to an online portal either through their smartphone, tablet, or computer.

In fact, when polled, 52% of auto claimants and 54% of homeowner claimants reported they would not recommend a provider that bars or lacks access to their preferred digital channel. Among customers that ranged between the ages of 18-24, that statistic jumped to 58% for both categories.

What makes this loss of recommendation so damaging is that younger generations rely on technology for research. If their peers are leaving negative reviews, it makes it very difficult for that insurer to appeal to them. Exemplifying the point, 41% of customers under 35 will post to social media and review sites about their negative experience compared to only 26% of customers aged 35-54 and 17% of customers 55 and older.

The Effect of Technology on Customer Expectations

The biggest challenge insurers are facing isn’t a shift in what their customers expect; it’s a change in where customers set the bar. Technology has allowed claims to move from FNOL to settlement faster than ever while granting customers unparalleled levels of access and control over the process. The pace isn’t likely to slow down anytime soon given the rate and sophistication of new tech and devices available on the market.

While every generation is growing more tech-savvy, there is no doubt that younger generations are driving the demand for transforming the claims process. Retaining customers lies in meeting these heightened expectations with a foolproof claims process. Contact the experts at Actec to learn about our custom solutions for your claim intake needs.

4 Hidden Sources of Germs Making Employees Sick

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November 25th, 2019

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With cold and flu season well underway, many employers are keeping a wary eye out for the telltale sniffles and sneezing that precede an office-wide breakout of illnesses. While workplaces can take several steps to reduce the likelihood of spreading germs, germs linger in several sneaky places. Without addressing these areas, employees can begin to fall ill and not understand why. The following are some of the biggest sources of germs that hide in plain sight:

  1. Kitchen faucets. Everyone knows that office bathrooms are breeding grounds for disease as multiple people touch the door handles, faucet knobs, and towel dispensers. As a result, employees take more precautions in this high-traffic area. However, they rarely give the same attention to kitchen faucets. If the office has a breakroom or a kitchen area with a sink, it can be a breeding ground for germs.
  2. Cellphones. People use their phones more than ever and it’s become a Petri dish employees carry with them everywhere they go. Hands and mouths are the most common human sources of germs and both interact with phones on a regular basis. If employees pass around phones to share ideas or socialize during lunch, they could be spreading illness without realizing it.
  3. Gym equipment. Many workplaces offer access to onsite gyms or gym memberships to their employees as part of a wellness program. While exercise improves the immune system, gyms house a lot of germs that aren’t often correctly dealt with in a timely manner. While gym-goers should wipe down equipment before and after use as a standard of etiquette, a wet towel isn’t enough to disinfect it.
  4. Money. Employees go out for lunch or have meetings with clients over coffee all the time. During these interactions, they’re going to exchange cash, coins, or cards with the wait staff. Even if the restaurant requires employees to wash hands, there is no accounting for where money has been or whose hands it passed through.

Identifying the hidden sources of germs allows employees to take steps to prevent falling ill or spreading disease throughout the workplace. Frequent hand washing, keeping hand sanitizer close by, and avoiding touching the mouth, nose, or face can all help reduce an office-wide flu pandemic. If your workplace is struggling with illness and frequent absences, the experts at Actec can help. Contact us to learn about how our absence management system can reduce absenteeism and improve other elements of employee attendance.