Outside of the community-rated world, medical cost is largely a function of a group's own claims experience. The National Institute for Health estimates that 75% of all healthcare spending is lifestyle-related. If employees take better care of themselves, claim costs will decrease. Rose & Kiernan has developed a host of strategies to help employees become aware of their own personal health issues, and to engage them in the process of making behavioral changes. Far beyond some nebulous concept of "wellness," we seek to deliver a substantial return on investment (ROI) for employers who are willing to provide employees incentives to maintain good health. Even our community-rated clients can benefit from implementing a wellness program. It can boost morale, improve productivity and can lower absenteeism. Rose & Kiernan has the tools to incorporate wellness into your corporate culture.