Tag Archives: zachry

Practical Tips for the New Traveler

Practical tips and thoughts on travel for the new insurance broker, underwriter, risk manager; or someone who is new to business travel.

Pre-Trip — Plan, Plan, Plan

  • Understand that there are risks associated with travel. As an employee and representative of your firm, your responsibility is to take necessary steps to mitigate them.
  • Read and understand your organization’s travel policies. Follow the policies on travel authorization, approved vendors and rates. The organization will only pay for the travel that it authorizes, and only at an approve rate. Check for spending guidelines or limits per diem on personal meals, etc. Do not expect to be reimbursed for failure to follow the written guidelines.
  • Use the company travel agent and the company credit card if one exists. This is not just for financial information for your company, but often additional protections and insurances built into these resources should something go wrong.
  • Get your travel documents in order. If your state-issued drivers license does not meet the ID requirements, you will need to have an alternative document such as your passport with you to travel beginning in 2018. For more information on compliant states, use the Homeland Security website: https://www.dhs.gov/real-id.
  • If you are traveling alone, leave an itinerary with an immediate family member. Leave a copy with your manager if your company does not have a central travel agent. Ensure that your contact information is current at all times with your HR department and with your travel agent.
  • If you are traveling with a group, put together an itinerary. The itinerary should include, who is traveling with you, their cell phone numbers; the flight information (airline and flight number); ground-transportation information (local phone contact); the hotel name, address, telephone number, and reservation number; meeting times and places — with telephone numbers, of host names, telephone and fax numbers, and e-mail addresses; meal arrangements; and scheduled entertainment.
  • If traveling as a group, appoint a central coordinator to double check to make sure you are all on the same flights and staying at the same hotel.
  • Travel costs escalate the closer to your date of travel. Wherever possible, make your travel and accommodation arrangements as soon as you know when you will be traveling. Follow your company travel policy on non-refundable tickets.
  • As an employee traveling, you should always manage travel expenses as part of your overall budget.
  • If an airline is checking your bag, always doublecheck the tag to ensure that it goes through to the right location. (There are a lot of San Juan and San Jose cities out there)
  • Always have a spare set of underclothes and a toothbrush in your carry-on luggage.
  • List what you want to take and practice packing it. Consider bringing your laptop, cell phone, reports, contracts, brochures, clothes and shaving kit toothbrush medication and your lens prescriptions if you wear glasses or contact lenses. If visiting foreign countries, make sure that you have the proper electronic conversion to keep your laptop and phones alive. 220 volts can wreak havoc with your stuff if you are not careful.
  • Have a list of your medications and lens prescriptions where you can access them quickly in the event you need to replace while traveling.

See also: The Insurer of the Future – Part 6  

Airline Rules

  • Be a smart flyer. You will have missed connections and missed meetings. In most cases, things will all work out. Anger does not help the situation. Do not stand in lines -– use your phone and call your travel agent or airline directly.
  • If you park at the airport, take a photo of your parking space. It will save you from wandering around a parking lot following a long trip late at night when you are the most tired (especially if you return on a different airline than the one on which you left).
  • Take a photo of your luggage with your phone. It will help you recover it if it is lost.
  • Dehydration is caused by flying, and studies show that deep vein thrombosis (DVT) can be a risk for frequent flyers; drinking water on all flights and getting up to stretch are simple preventative measures that can be taken.
  • Once you arrive at the airport, secure your car keys (other than on your person). Once you lock your car, you won’t need them again until you return. There usually are special pockets in backpacks or suitcases to use. That way, you always will know where they’ll be when you need them.
  • Global Entry and TSA Pre work well. In time saved and travel friction reduced, the status is worth every penny. If traveling international, get Global Entry. It can take as much as six months to get an appointment for Global Entry.
  • Enroll in every frequent flyer program whether or not you routinely fly a particular airline. Make sure that you have a spreadsheet of the programs and the security code to access them online.
  • Check in early and review your seat selection. With equipment changes, the airlines may move you around without your knowledge.
  • Determine if you are an aisle or a window person.
  • There is a reason exit rows are premium seats. If there are upgrades to be had, it is likely that an “exit row” person will be moved to business class. Ask at the gate to get the open seat if one opens up.
  • When things are blowing up at the airport, use the latest technology to re-schedule your flight and get a place where you can sleep for the night. Waiting in lines during these events can be a colossal waste of time.

Money, Money, Money

  • The company credit card should not to be used for non-business expenses.
  • Have the right currency on a foreign business trip. Take enough cash to cover your needs or to get you to the next cash machine. Some countries or places do not have cash machines.
  • Watch when you are using the credit card to make sure it is not being used inappropriately. Keep it in sight whenever possible.
  • Keep all of your receipts. Take a picture of them with your cell phone when you pay the bill. Document who was at the dinner. Be aware of what the company does and does not pay for. Submit your documented expenses as quickly as possible.

During the Trip – While There, You Are Not Here

  • If you travel enough; you will eventually get a bug. They are not fun. Cancel your appointments. If necessary, go to a doctor or hospital. Do not be a dead hero.
  • Drink lots of water. However, do it strategically. In inclement weather or remote locations, access to bathrooms can be problematic.
  • Exercise upon arrival is a great way to “reset” your internal time-clock. Sunshine works wonders. Take a walk outside (no matter the time of year).
  • Use the gym at the hotel unless the concierge has recommended a jogging route; running around in some cities is both dangerous and often a sign that a crime has been committed.
  • If you are visiting an exotic location (such as Cleveland, Ohio) for business, take advantage of the experience. Tourist destinations are just that because there is usually something worth seeing. Avoiding tourist destinations usually results in not seeing the good things.
  • Don’t be obnoxious, rude or inconsiderate; America has enough problems with our reputation in the world; in fact, lean the other way. Go out of your way to be polite, friendly and considerate. Learn enough of the local language to say “hello, good morning, good day, good evening, yes please, thank you, no thank you and two cappuccinos take away.”
  • The Google translation program is amazingly helpful in reading menus and other written documents.
  • Use the opportunity for international travel to open your eyes to how the rest of the world thinks, acts, lives and believes; Americans often think that choosing a latte is the toughest decision they make in a day.
  • Take pictures (cell phone or full camera.) Anyone can get a picture of the Eiffel Tower. Get a picture of you in front of it.
  • Follow the local signs concerning when not to take a picture. Do not take pictures of any military person or institution without permission.
  • Never give money to panhandlers, beggars or street people; you are likely to be swarmed and possibly attacked. If you want to help the local poor, donate money to a religious institution.
  • Always leave an extra donation in a church or museum that you have visited.
  • Local guides are usually worth every penny.
  • Carry 3×5 cards to PRINT the name and address of hotels and restaurants to give to taxi drivers who may not speak English or even the local language. NEVER leave a hotel in a new city without a card with the hotel’s name and address
  • Try not to schlep your bags to all of your business meetings. Most times, you can leave them at the hotel even if you are checked out. If you do, always count the bags every time you move (in and out of taxi, in and out of business offices, etc.)
  • Read up on the country you are visiting, and ask for advice from others who have been there. A little cultural knowledge goes a long way and can make the difference between a successful trip and failure.
  • Embrace the culture of places that are different from the one you call home.
  • Know how to dress for the culture and business you will be doing; most countries outside the U.S. tend to be a little more formal.
  • Little things count. For example: Wearing a green hat in China means your wife is having an affair.
  • Drink local wines and beer. Ask for advice from dinner guests or restaurant help. This could help avoid some weird stuff (cherry beer late at night with a sandwich at the Holiday Inn by the Brussels airport).
  • In business situations, do not overdrink. Always be sober enough to get safely back to your hotel if you are somehow left alone.
  • If you are with a group and get lost from that group, plan to meet back at the last place where everyone was aware that the group was together.
  • When visiting certain countries, realize the potential for your technology to be hacked and any information you had in that computer to be used against you.
  • If an alarm goes off, do not ignore it. Take stock and determine where you should be.

See also: Risk Exposed to Your Art Business  


  • Try to stay above the first floor of a hotel or motel. Also try to stay low enough for the fire ladder to get to your window (usually seventh floor).
  • If you forgot a personal item, the front desk has it. Don’t pay for one in the little store.
  • Pick hotels that have in-house gyms. Exercise, even 30 minutes on a hotel stationary bike, can help with digestion, sleep and staying awake in meetings in a warm room.
  • Stay at places that include breakfast in the price of the stay.
  • During a power outage, your phone and laptop can provide you with needed light.
  • Tip the concierge if you get help from him or her.

Ground Transportation – Do Not Get Ground Down

  • No matter where you go, take identification that allows you to drive. Consider getting an international driver’s license – https://www.consumer.ftc.gov/articles/0050-international-drivers-license-scams
  • Uber and Lyft are a non-regulated means of travel available in most cities. There are increasing reports of violence from passengers using these forms of travel. Be cautious when using non-regulated transport.
  • Purchasing auto insurance for rental cars is usually determined by company policy.

Traveling Internationally

  • Read the State Department warning on travel. If traveling overseas, enroll in the State Department’s STEP program and list all locations.
  • Get your international travel documents in order. Passport should be current and not expiring in the next six months, or some countries will not allow you to enter.
  • Keep your passport safe at all times. Keep a notarized photo copy of your passport separate from your passport and keep it safe, as well. This will allow you to get a replacement while traveling much faster.
  • Use chip-enabled cards only while traveling overseas to prevent theft.
  • Most international car rental locations may only have manual transmissions. Know ahead of time if you can’t use a stick.
  • When you’re planning the dates of an international business trip, review local bank holidays and religious holidays, which could affect your ability to schedule meetings or access services that may be closed.
  • Bring a full set of electronics (chargers, adapters, etc.) for the phone, laptop and tablet in your briefcase.
  • Before travel, identify any recommended or required vaccinations in the countries where you are traveling. Ensure that your flu, pertussis and pneumonia vaccinations are up to date. Finally, in many countries of the world, TB is a common illness. If you travel frequently internationally, speak to your physician on whether he or she recommends an annual TB test.

International Communication

Most of us travel with a laptop and cell phone at all times. Using your cell phone and getting Wi-Fi access worldwide is possible but can be expensive if you don’t pre-plan.

  • You should download all local Google maps for where you will be visiting onto your cellphone. This will save you data fees and allow you to get information even if you have no signal.
  • Before an international trip, you will need to activate international service on your phone.
  • Data is VERY expensive overseas. You should turn off your roaming on your phone prior to your trip. Use Wi-Fi dialing and Wi-Fi access to get emails, texts, etc.
  • Be very aware of the Wi-Fi provider and only use trusted sources.
  • Make sure you are aware of your company’s international data and phone policy – it will be different from the normal usage.

Travel Resources:

Who Will Make the IoT Safe?

After reading about the “distributed denial of service” (DDOS) attack that shut down major sites across the internet in late October, it is amazing to me that, conceptually, my refrigerator could be used by evildoers to attack servers in the cloud. I miss the old birdcage refrigerator that we had in our basement.. but I sure like looking on the internet to see just how old the milk is when I am in the grocery store.

To my knowledge, this is the first such attack using internet-connected devices, or the Internet of Things (IoT).

One weakness to the Internet of Things is that (as we have attached more of our home devices to the internet), there was no one overriding body responsible for creating a minimum security level to limit access by the wrong people to our microwave ovens.

But if such a body is created, then it could be more difficult for small and creative companies to make anything. Another problem with a central body creating security levels is that it really would only increase manufacturing costs. And, knowing oversight bodies, I’m sure we would then be using outdated technology in all of the devices, without really making anything secure, My internet espresso maker could then cost $1,200 instead of $1,000 and still would make bad cappuccinos when I went on my phone from by bedroom and turned it on.

See also: Insurance and the Internet of Things  

Finance companies such as banks and credit card companies, medical organizations, the phone companies and computer companies have significant financial incentives to create secure devices. Yet they have had significant problems keeping their information and systems secure from the internet mischief makers.

(A quick digression: The U.S. government severely punishes private companies when there is a breach. Not only did their data go away, not only did their sales drop because of a reputation problem, not only did their customers sue them, but then, as a cherry on top, rather than helping the victim of the data breach the government fines them. Yes, I know the company should have been more diligent with the data, but…. Note that a hack of the IRS hack has cost the U.S. government more than $30 million in payments on fraudulent tax returns, and the IRS has yet to fine itself for the breach.)

Most of the people I know who have spent any time thinking about about purchasing self-driving automobiles have said they worry that hackers could take over their car (their underlying concern seems to be that it will then be driven into the San Francisco Bay, where they could not open the doors or roll down the windows to get out). There is (and should be) far more concern over the loss of control of a car than loss of control of a pizza oven, but to me it is all really part of the same problem.

So my first question was: “Is there a locus or specific place where we can plug in some type of security to help stop the mischief?”

Looking for insight, I charged down to Best Buy and asked one of the Geek Squad folks if there was such a place or way to limit outside access or control to my internet-connected electronic toothbrush? (I did come out of Best Buy with a brand new, three-year software internet security program for my new computer for only $49.95, discounted to $9.95 because I was going to look at the possibility of purchasing an internet-connected pet feeder)

The Geek Squad person said that the best opportunity for such security is the routers in homes, but, no, there is no Ronco device ($19.99 and… if you call in the next two minutes… you can have TWO Ronco internet security devices. He also said that, fortunately, my floss is still not internet-connected, so I would not have to worry about one of my teeth being yanked out by an evildoer from Nigeria who was trying to get that pesky $25 million out of the country….)

So here are some follow-up questions:

  1. Should there be an oversight body for all devices that will be responsible for creating a minimum standard for security for all of the internet-connected heating systems in the world? (The NSA will still want back-door access to all of the data from your garage opener.) If there is an oversight body, and it creates a minimum security program or level, will it be enough to keep the evildoers out of my kitchen? (I think not.)
  2. Who will go on Shark Tank with the next device (Ronco??) to help create some sort of security for all of the devices in your home? This seems like a great opportunity for someone.
  3. Perhaps it is the cable operators (those who supply the infrastructure of the connections) who should be held responsible for identifying viruses as they go across the cables and stop them. (That is where the NSA gets all of its data, anyway.)
  4. Will I ever be able to look at my internet Ronco coffee maker the same way and not wonder if it is actually a drone for a hacker in Uzbekistan? Will the hackers burn my pizza for me instead of me burning it? Or, worse, will they undercook things? Will a hacker drive my car (in two years, Uber’s car) off the Golden Gate Bridge? (And will I actually be in the car when he does?)
  5. Will the evildoers now open my garage door and take my Xmas stuff i have on the back wall? (There is really a serious question of personal security that will get larger as the bad guys find out how to easily get into businesses and buildings.)
  6. Will the government take over my sprinkler systems and stop me from wasting water? (In California, this is a serious issue, and the underlying question of how much will or can the federal state and local government eventually do with the Internet of Everything will be an interesting battleground for the next 15 years.)
  7. Who has the data, and where are all of the devices? Information is king (and queen) nowadays, and knowing where the devices are will allow the evildoers to attack the weakest links. I bet they first hacked the companies who sell the devices to find out where they are. (Should you sign up for a warranty if that information will result in telling the mischief makers where you are and how you are connected?)
  8. Just how safe is the cloud? The attack in October was a distributed denial of service attack, but can the evildoers use my internet-connected fireplace to hack the cloud?
  9. Will all of these security problems have anything to do with privacy issues? What if the miscreants leak my information to Wikileaks about the fact that I have peanut butter in the refrigerator?

As the saying goes: Inquiring minds want to know.

There is an amazing amount of mischief that can be created if we do not have secure devices.

See also: How the ‘Internet of Things’ Affects Strategic Planning  

Think about it… and perhaps unplug your internet-connected litter robot until you know it will only be used by your cat for its original purpose.

The First 100 Days in a New Job

The term “the first 100 days” was coined in a July 24, 1933, radio address by President Franklin D. Roosevelt, who was referring to the 100-day session of the 73rd United States Congress between March 9 and June 17, 1933.

As a board member, I think it is a great idea for a new CEO to think in a similar fashion and prepare a memo outlining what he/she will be doing for the first 100 days of the new job. The first 100 days is the time when the new CEO determines the culture of the organization, gets his/her arms around the finances and the budget and determines who has what skills and experience to help lead the organization and who he/she can rely upon to achieve the goals set by the board. There are several books on the market outlining the steps a new CEO should take in his or her first 100 days.

See also: Insurance CEOs See Wave of Disruption  

As a parallel to the first 100 days concept for the president of the U.S., when one starts a new job with a new company, the culture tends to give the person a level of credibility and deference from leaders in the organization that is not usually afforded to existing employees. I call it Teflon. For me, the game was to retain the Teflon beyond the first 100 days, or to work on my “Teflon renewal process.” I would do that by outlining my goals and expectations in a 100-day memo — and then I would achieve the goals set out in that document.

Every time I was promoted, got a new boss, was involved in a restructuring or saw my role changed, I would prepare a memo for my boss (and myself) outlining my plans for the first 100 days. The document outlined my 100-day goals as well as my mid-term and long-term goals for my department. It also provided insight into my key performance indicators and into the strengths and weaknesses of the team.

The memo outlined my expectations for what I would accomplish as well as the expectations of what I needed from my people to accomplish the goals. More importantly, the memo got me into the habit of doing what I needed do on a daily basis for me to be successful in my new role. This memo also resulted in establishing the way in which I would communicate with my boss.

As a best practice, I recommend everyone consider preparing such a document when they get a new job or role. I also recommend that, as a manager or supervisor, you ask your employees to outline their goals and expectations in their own 100-day document.

See also: CEOs Defy Common Sense on Wellness

Now all I have to do is to prepare my 100-day plan for when I am at home — I need some Teflon with the wife.

Here is an article that provides some detail on how to produce a 100-day action plan for a CEO.

Southern California Is Home to Fraud

Those who are familiar with the California workers’ compensation system are aware that much of the fraud, and a very high percentage of the liens, in the state are in Southern California. These three articles (here, here and here) show why workers’ comp fraud is making a home in Southern California.

Before the passage of SB-899 in 2004, there was one back fusion surgery for every laminectomy (surgery to reduce pressure on the spinal cord or nerves) provided in workers’ compensation in California even though only 3% of laminectomies by group health providers resulted in fusions.

Prior to SB-899, it was almost impossible for the payers to say no to physicians’ requests for multiple surgeries. Back then, six and seven unnecessary back surgeries on a patient were not uncommon — and, apparently, for the benefit of the doctors, not of the injured workers.

To compound the problems for the injured worker, when the multiple back surgeries were not successful, the employee was then given opioids for the intractable pain. This resulted in a large number of injured workers who are now opioid addicts.

Opioid-addicted injured workers now account for a high percentage of the complex and advanced IMRs (independent medical reviews done by Maximus).

Pending regulations from the Division of Workers’ Compensation for a pharmacy formulary (using evidence-based medicine) will help reduce the number of inappropriate requests and questionable denials.

Already, passage of SB-863, with a focus on evidence-based medicine and medical decisions made by medical professionals, helped significantly reduce the abuses and improve the care for the injured workers of California. The IMR process outlined in SB-863 takes medical decisions away from non-medical professionals. It helps protect the injured workers from abuses like those outlined by the FBI in the articles I linked to above.

It would be interesting to see how many of the millions of the liens filed in the system are associated with the indicted doctors mentioned in the article.

An Overlooked Risk in Workers’ Comp

Sleep deprivation is an issue that is often overlooked, yet frequently the cause of decreased productivity, accidents, incidents and mistakes that cost companies billions of dollars each year, reports Circadian, a global leader in providing 24/7 workforce performance and safety solutions for businesses that operate around the clock.

Often, the experts at Circadian say, employers are unaware of the impact fatigue or sleep deprivation is having on their operation until a tragic accident occurs. Only then do managers ask the question: “What happened?”

Sleep deprivation is much more dangerous than you might realize. It’s not just annoying, like when an employee snoozes in a meeting or yawns during a conversation. Here are 10 real dangers associated with the overlooked problems in a sleep-deprived workforce:

  1. Decreased communication: When workers are tired, they become poor communicators. In one study, researchers noted that sleep-deprived individuals drop the intensity of their voices; pause for long intervals without apparent reason; enunciate very poorly or mumble instructions inaudibly; mispronounce, slur or run words together; and repeat themselves or lose their place in a sentence sequence.
  2. Performance deteriorates: Performance declines frequently include increased compensatory efforts on activities, decreased vigilance and slower response time. The average functional level of any sleep-deprived individual is comparable to the 9th percentile of non-sleep-deprived individuals. Workers must notice these performance declines, right? Not quite. In fact, sleep-deprived individuals have poor insight into their performance deficits. Also, the performance deficits worsen as time on task increases.
  3. Increased risk of becoming distracted: Sleep-deprived individuals have been shown to have trouble with maintaining focus on relevant cues, developing and updating strategies, keeping track of events and maintaining interest in outcomes and, instead, attend to activities judged to be non-essential. In fact, research suggests that there is a symbiotic relationship between sleep deprivation and attention-deficit hyperactivity disorder (ADHD) because of the overlap in symptoms.
  4. Driving impairments: Because of federal regulations, the trucking industry is well aware of the driving impairments associated with sleep deprivation. However, plant managers are unaware of the ways in which sleep-deprived workers may be dangerously operating machinery (e.g. forklifts or dump trucks). In fact, 22 hours of sleep deprivation results in neurobehavioral performance impairments that are comparable to a 0.08% blood alcohol level (legally drunk in the U.S.).
  5. Increased number of errors: The cognitive detriments of sleep deprivation increase concurrently with a worker’s time on a given task, resulting in an increased number of errors. These errors include mistakes of both commission (i.e., performing an act that leads to harm) and omission (i.e., not performing an expected task), which can wreak havoc at any work facility. Errors especially are likely in subject-paced tasks in which cognitive slowing occurs and with tasks that are time-sensitive, which cause increases in cognitive errors.
  6. Poor cognitive assimilation and memory: Short-term and working memory declines are associated with sleep deprivation and result in a decreased ability to develop and update strategies based on new information, along with the ability to remember the temporal sequence of events.
  7. Inappropriate moodines: Inappropriate, mood-related behavior often occurs in outbursts, as most sleep-deprived individuals are often quiet and socially withdrawn. However, a single one of these outbursts can be enough to destroy the positive culture of a work environment and cause an HR nightmare. These behavioral outbursts can include irritability, impatience, childish humor, lack of regard for normal social conventions, inappropriate interpersonal behaviors and unwillingness to engage in forward planning.
  8. Greater risk-taking behavior: Brain imaging studies have shown that sleep deprivation was associated with increased activation of brain regions related to risky decision making, while areas that control rationale and logical thinking show lower levels of activation. In fact, sleep deprivation increases one’s expectation of gains while diminishing the implications of losses. What does this mean for your workers? Sleep-deprived workers may be making riskier decisions, ignoring the potential negative implications and taking gambles in scenarios in which the losses outweigh the benefits.
  9. Inability to make necessary adjustments: Flexible thinking, preservation on thoughts and actions, updating strategies based on new information, ability to think divergently and innovation are all hurt by sleep deprivation. A worker may be unable to fill a leadership role on request when sleep-deprived, resulting in a frustrated management team.
  10. Effects of sleep deprivation compound across nights: Four or more nights of partial sleep deprivation containing less than seven hours of sleep per night can be equivalent to a total night of sleep deprivation. A single night of total sleep deprivation can affect your functioning for as long as two weeks. To your brain, sleep is money, and the brain is the best accountant.

According to Circadian, when you have sleep-deprived or fatigued workers, productivity levels and quality of work will be compromised. Furthermore, you create an environment where it becomes not a matter of if your workplace will have an accident or incident but a matter of when, and to what magnitude.

Sleep deprivation is no laughing matter, no matter how frequently our society treats the issue light-heartedly. Eventually, our biological drive to compensate for sleep deprivation wins, and the loser might be your workers, your employer or even you.

The expectation is that employees return to work in January feeling recharged and ready to perform their best. In reality, one in every five workers is sleep-deprived, and those who sleep poorly are 54% more likely to experience stress in their job, according to a new study from international employee health and performance organization Global Corporate Challenge (GCC).

The report, “Waking Up To the Sleep Problem Every Employer Is Facing,” also found that 93% of poor sleepers were more likely to display workplace fatigue, a common symptom of excessive daytime sleepiness (EDS) – the condition proven to increase risks of absenteeism, accidents and injury in the workplace.

“Independent research undertaken on GCC participants in the 2014 challenge demonstrates that sleep improves with increased step count in a linear fashion,” said Dr. David Batman, director of research, FCDP. “There are significant increases in productivity and reduction in fatigue and stress levels at work and home. Extrapolation of these results leads to an obvious conclusion that simple exercise improves sleep, and the combined result will be an increase in personal and business performance.”

The results come from the health and performance leaders’ first series of GCC Insights papers, based on aggregate data drawn from employees in 185 countries. With more than 1.5 million people having now been through the program, the data sample is one of the largest, most diverse of its kind.

This GCC Insights paper also provides practical recommendations for employers who recognize that their workers’ mental and physical health inextricably is linked to business success – a realization that, for many, signals a need to rethink outdated well-being strategies in exchange for a longer-term commitment to employee health.

“The cost of poor sleep habits among employee populations has been grossly underestimated; it is having profound consequences for productivity and health,” said Glenn Riseley, founder and president at the GCC. “Luckily, enlightened employers are now changing their cultures so that sleep is no longer seen as a luxury but as a priority.”