The Delaware State Chamber of Commerce held its inaugural Wellness at Work Conference on June 14. 2010.

1. Wellness

2. Market Overview Average Health Insurance Premiums 1999-2009 $13,375 131% Premium Increase $5,791 128% Worker Contribution Increase Note: The average worker contribution and the average employer contribution may not add to the average total premium due to rounding. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009. 2

3. What is Driving the Costs? Cost Population 80% 10% 90% 20%

4. What is Driving the Costs? Cost Population 30% 2% 8% 50% 90% 20%

5. Health Risks According to the CDC, chronic diseases are the most common and costly of all health problems, but they are also the most preventable. Four common, health-damaging, but modifiable behaviors - tobacco use, insufficient physical activity, poor eating habits, and excessive alcohol use - are responsible for much of the illness, disability, and premature death related to chronic diseases. We are doing it to ourselves

6. Health Risks For every 100 employees in America 25 smoke 17 Binge Drink 10 have depression 9 have diabetes 8 have had a heart attack or stroke

7. Health Risks For every 100 employees in America 77 Have poor nutritional habits 68 do not exercise regularly 59 are overweight or obese 34 have high cholesterol

8. Cancer Screenings* Cervical cancer screening rate: 79.3% Colon cancer screening rate: 42.2% Prostate cancer screening rate: 57.6% Breast cancer screening rate: 54.9% The cost to treat breast cancer: Early stage: $25,000 Late stage: $125,000 *American Cancer Society

9. Wellness Options

10. Answer = Risk Management

11. Wellness Options Encourage strong relationship with Internist Health Risk Assessment Biometric Screening Smoking Cessation Biggest Loser Contest Financial Incentives

12. How a company’s approach to health impacts it’s costs

13. Lyons Companies One of the largest independent brokers in the region Full Service Consulting/Insurance Brokerage for Property & Casualty and Employee Benefits Traditional / Alternative Funding / Captive Programs Partner in Assurex Global Represented by 20,000 professionals in over 500 offices around the globe Committed to bringing innovative & strategic solutions to the marketplace.

14. Health Care Reform Thank You! For more information visit www.lyonsinsurance.com Roger D. Kirtley Risk Management Advisor (302) 472-2955 rkirtley@lyonsinsurance.com