Goodyear Tyre & Rubber Holdings - Principal Officers Association

Goodyear Tyre & RubberHoldingsFund perspective on wealthcreation through employeerisk management

Qualified ActuaryRiaan Botha Approved Pension Fund Valuator 9 Years in EB and Pension Fund Industryin RSA Advisor to various Retirement Funds andCorporates Employed by Jacques Malan Consultantsand Actuaries

Sarel Steyn Sarel is a clinical psychologist - Employee Wellbeing and Critical IncidentStress specialist Former university lecturer International hostage negotiator Internationally certified business coach Qualified hypnotherapist and master trainer Sarel has been studying and teaching human performance for over 20years specializing in Employee Wellbeing Programmes, managerialdevelopment and training Since 2002 extensively involved on a national level, in the training ofmore than 800 managers and supervisors, regarding managing andmotivation. Sarel has consulted and dealt with various organizations and individualsin South Africa, New Zealand and Turkey regarding the development,training, implementation and management of Critical Incident StressManagement support programs. He has received training from, and offered training to, variousuniversities and institutes and the FBI in the USA.

Wellness Overview (2) A sample study of more than 100 000 employees inmore that 60 companies, found that 65 out of every1000 employees take time off for psychologicalreasons They have found that this has increased over the lastyear costing these companies R1,2 billion annually Employees unfortunately experience emotional,financial, substance abuse, family and other psychosocialproblems that impact on their performance inthe workplace on a daily basis Evidence show that when companies promote &focus on health issues, absenteeism reduces (CAMSSolutions, 2007)

Background Trustees identified need to manageclaims & risk to ensure retirementfunding is maximized PO of various group funds met withInsurer to discuss the concept Insurer recognised potential value forthemselves, fund & company

Create customized employee wellness risk solutions thattranslates employee risk management intopsychological & financial wealth

COMPREHENSIVE EMPLOYEE RISKMANANGMENT SOLUTION (CERMS)- Holistic and comprehensible- Soft on people hard on standards- Audit- Monitor- Interpret- Coordinate- Engage- Manage- Keep score- ProtectMembers – Employer - Insurer – Medical Aid

COMPREHENSIVE EMPLOYEE RISKMANANGMENT SOLUTION (CERMS)Engagement ofassociatesStaff turn overStated benefitsGarnisheesHIV PrevalenceOH&S StatisticsCorporate Wellness IndicatorsAbsenteeismMedical aid reportsWellness daysDeath statisticsEAP UtilizationDisability cases

COMPONENTS OF ABSENTEEISMAbsenteeism Rate5.0%4.5%4.0%3.5%3.0%2.5%2.0%1.5%1.0%0.5%0.0%CAMS Focus (Illustration)Avoidable -Other thanMedicalAvoidable - MedicalCost of IncapacityTotal Sick AbsenteeismAll Medical AbsenteeismAbsenteeism withEffective HealthManagementLow Mid HighIncome Levels

Absenteeism TT weekly sick certificate GY weekly Long List AMR monthly Early notification to Fund Diagnosis – health education Referral – OH/EAP/HR Manage Medical Service Providers

HIV/AIDS VCT as part of medical surveillance Education & awareness Get Wise – Be Tested Effectiveness of CRMS - TT VCT Drive –Fund approved TT – NYS – 63 %

Creating EngagementSeptember 2007

Staff Turn Over/EAP/Garnishees Monitor staff turn over - morale Usage of EAP Referral to other service providers &monitoring Stress related absence - garnishees Review garnishees Financial Wellness Day

OHS Risk assessment – stressors Medical surveillance Biological monitoring IOD Statistics Primary Healthcare

Medical Aids Report Annual report Chronic disease Specialist visits Hospitalization

Death Statistics2005 2006 2007 2008 2009No ofdeathsAv Ageat death35 23 26 13 739,5yrs40,2yrs49,5yrs47,7yrs37 yrsAvlengthofservice8,4yrs8,5 yrs 14 yrs 12,3yrs5,7 yrs

Disability All absence of 3 weeks or morenotification done Early identification of potential claims Discussions with Business managers Liaison with Medical Practitioners Ensure Dr’s understand job description Rehabilitation 2006 to date 37 return to works

Wellness Days Customized & priority HRA’s Blood grouping Vision screening Renal functions Exercise Weight loss Smoking

Stated benefits 24 Hr Company Policy Trauma – referral CSID Prevention of PTSD Family support Claim submission to Insurer

Value add to Members One point of entry for all claims Query resolution Disease intervention should improvemember’s health More than one assessor involved Holistic wellness approach Awareness of the disability procedure Health awareness

Benefits for Employer One point of entry for all claims Prevention & early detection Allows for early notification Query resolution Co-ordinated claims management Fewer claims resulting from pre-assessment Pre-assessment of claims – trigger needs for furthermedical evidence Positive impact on claim experience and thereforereduction risk costs – maximising retirement funding Maintenance of standards Detailed and regular reporting

Benefits for Insurer/Fund Improved claims service Back office time spent on administrationeliminated Only real claims submitted Improve claims experience for the Fund Reduce risk to Insurer & Fund Better coordination of claims Positive impact on experience Model sets Insurer apart from the market

Notification period Prior to 2000 – more than 6 months 2005 – 2 months Current – 3 weeks

Group Life Assurance One of the funds has reduced the premium by50 % Another reduced the premium by 25 % All other funds have had no premium increasePermanent Health Insurance One of the funds reduced the premium by13% All other funds have had no premium increase

GOOD TOGREATWhy Some CompaniesMake the Leap…and Others Don’t

Comprehensive Employee Risk Management SystemCERMS

Contact detailsTascha OlivierCell: 0827848224tascha_olivier@goodyear.co.zaDr MunisiCell : 082 414 3905Email: munisinf@global.co.zaRiaan BothaCell: 083 556 4020Email: riaan@jmajhb.co.za

Contact detailsTel: 041 581 0965Fax: 086 509 5161Website: www.wellnesshouse.co.zaMaggie Clack : maggie@wellnesshouse.co.zaCell: 082 783 7431Sarel Steyn: sarel@wellnesshouse.co.zaCell: 082 579 4901