Marsh & McLennan Agency Blog

Failing Feet? Home Remedies for a Common Culprit

We demand a lot out of our feet. To be sure, every day we ask them to take us wherever we need to go. You may not think about your feet much, but if they start to hurt, you’re quickly reminded how much you rely on your feet from the moment you get up until it’s time to sleep.

A Common Foot Condition

If your first steps out of bed are extremely painful, you may have plantar fasciitis (fashee-EYE-tiss). Plantar fasciitis happens when the ligament that supports your arch is repeatedly strained, causing tiny tears. These ligament tears can lead to pain and swelling in the heel and sole of your foot.

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Mergers and Acquisitions Will Change the Future of Health Care

In the last few years the health care industry has witnessed a significant increase in mergers, acquisitions and mega-mergers. However, an unusual proposal by CVS Health Corp. has made a bid to purchase Aetna, Inc. for more than $66 billion. The giant drugstore corporation is fighting to compete against a changing industry and potentially new competition from

CVS has been making efforts to delve deeper into healthcare by developing new services such as on-site urgent care clinics that expand the hours of availability for patients. By expanding its service-base, CVS will be able to propose a unified, seamless benefits package to large corporations and other major employers. Continue reading…

Smart Technology Improving Driving Safety

Every year, nearly 1.3 million people are killed in automobile crashes every year, averaging 3,287 deaths per day. In addition, 20-50 million are injured or disabled due to road crashes. Traffic accidents are the ninth leading cause of death around the world, accounting for 2 % of all deaths.

The good news is that innovative new technology is helping to curb these grim statistics; forward-thinking automobile industry leaders are taking note of these advances and working to integrate them into existing designs.

Distracted driving is a major concern, particularly in the U.S. The National Highway Traffic Safety Administration (NHTSA) reports that distracted driving claimed 3,450 lives and an additional 391,000 people were injured in 2016. Many distracted driving accidents are a result of drivers using cellphones while driving, creating an enormous potential for deaths and injuries on U.S. roads. Teenagers are the largest demographic that report being distracted when involved in a fatal crash. Continue reading…

Are You At Risk For COPD?

Your lungs are a pair of light, spongy, air-filled organs located on either side of your chest. If you’re good to your lungs, they will be good to you—flawlessly providing fresh oxygen through your entire bloodstream. In fact, with only a few exceptions, your lungs are likely to stay healthy throughout your lifetime as long as you take some simple steps to protect them.

This isn’t to say that lung disease isn’t a real or popular threat in the United States. In fact, chronic repository conditions like obstructive pulmonary disease (COPD) are the third-leading cause of death in the U.S. after heart disease and cancer. The American Lung Association (ALA) estimates that more than 11 million Americans have been diagnosed with COPD and millions more likely have the condition but are unaware of it.

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Three Near-Term Travel Industry Technology Trends

All too often, travelers are faced with travel-related challenges, such as lost baggage or missed flights. The Bureau of Transportation Statistics reports that almost 20 percent of all flights in 2017 were either delayed or canceled, with over 11,000 diverted. When these problems occur, airlines are typically not doing enough to communicate effectively with customers.

Airlines need to improve their communication with customers to be successful. Most everyone today has a mobile device; we’re all plugged in, all the time. Airlines already have the technology they need to communicate effectively with customers; it is critical that they utilize and expand on technological revolution as it applies to improving customer service.

For example, Delta Airlines now has a service that sends customers a text message to help them track their baggage. This type of customer service will increase brand loyalty and cause customers to choose a particular airline even if a lower-cost option is available. Continue reading…

How Hospitals Are Using Data To Drive Better Care

Picture a warehouse filled with unused and unopened medical equipment. Each surgical mask, syringe, and IV bag collecting dust and worth thousands of dollars. And ProPublica found that it’s not a warehouse that doctors use to buy equipment—it’s a 15,000-square-foot storage facility for supplies that hospitals have thrown away. Wasted healthcare spending doesn’t just affect self-insured employers; it also affects hospitals too. The system wastes about a quarter of what’s spent—about $765 billion a year.

Hospital waste can come in many forms: excess administration costs, unnecessary medical treatments, and inefficient hospital services. And while many other industries are using data to drive efficiency, healthcare seems to be one area where the technology is driving demand for both employers and hospitals.  Continue reading…

Mandatory Surcharge Update: NC Commercial Auto Loss Recoupment

The NC Reinsurance Facility is required by law to recover excess losses on business automobile insurance it provides. Effective October 1, 2018 this will result in a surcharge of 7.07% to all commercial auto policies in NC. This is a reduction from a previously announced 14.63% surcharge, due to improved loss experience. All commercial auto policyholders will see this reflected in their premiums for the 2018-2019 policy term.


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Is Your Deck in Danger?

Backyard decks are the perfect place to enjoy warm weather with family and friends. However, a poorly maintained or unsafe deck could possibly collapse, causing serious injuries.

In April, several people were injured when a residential deck collapsed in O’Fallon, Illinois, as family members gathered following a funeral. The group fell 10 to 12 feet.

Six adults were injured, according to the local fire chief. One person was critically injured and five others suffered minor injuries. Portions of the deck appeared to be aged which may have contributed to the collapse, according to media reports. Continue reading…

How the Circular Economy is Changing Today’s Business Model

The circular economy is a relatively new economic business model that is transforming industry. The circular economy is based on consciously designing production that creates useable waste products while keeping materials viable through reuse, repair, remanufacturing and recycling.

An early example of the circular business model emerged in Kalundborg, Denmark in 1972, where an oil refinery began sending excess gas to a gypsum-board manufacturer nearby, thus creating a loop in which one company’s waste product became the raw input material for another company. In a circular business model, recycling is the best economic way forward as a mitigating force against a world of increasing resource scarcity and mounting waste.

In a circular model, recycling is not an afterthought, but an essential part of business strategy. The circular economy is a new way of looking at the relationships between markets, customers and natural resources. Technological breakthroughs, especially digital in nature, is disrupting the way society produces and consumes, representing a huge opportunity for companies to stimulate a competitive advantage. Continue reading…

No Cell Phones While Driving

In January, Cargill instituted a policy banning employee use of handheld and hands-free cellphones while driving. The measure restricts about 150,000 workers worldwide from talking or texting on devices in any moving vehicle the Wayzata, MN-based company owns, leases or rents – and forbids work-related calls while operating personal vehicles.

Following the lead of numerous employers that have enacted workplace cellphone use policies in recent years, Cargill leadership expects the ban to steadily provide marked improvements to worker safety.

“It’s very difficult to identify and quantify, but we know that we are no different statistically than the rest of the population, and we know that we needed to do something,” said Al Johnson, vice president of environmental, health and safety for Cargill, an agricultural, food and industrial company.

Research from the National Highway Traffic Safety Administration shows that distracted driving contributes to about nine deaths and more than 1,000 injuries on U.S. roadways each day. And OSHA and the National Safety Council cite motor vehicle-related crashes as the No. 1 cause of on-the-job death, with distraction among the leading factors.

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