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Chronic Health Risks in Trucking: Cultivating Soil Resilience in Variable-Demand Operations
Part 2: Chronic Health Risks in Variable-Demand Operations. Cultivating Soil Resilience in Trucking and Beyond
January 29, 2026
By Humaculture, Inc.
This is the second in a 5-part companion series to ICSL’s analysis of post-COVID health trends and morbidity pressures. In Part 1, we explored how cultivating Organizational “soil” addresses rising chronic conditions across insurance and benefits programs. Here, we apply that framework to variable-demand operations—trucking, bus driving, construction equipment, forklifts, warehouse management, order picking, and similar roles—where the challenge of chronic health risks has been exacerbated.
While ICSL’s companion article, “Trucking Industry Health Crisis – Driver Deaths, Shortages, and Safety Risks,” diagnoses the clinical realities in trucking, Humaculture® focuses on the Organizational solution. We enrich “soil” (Structure, Assets, Processes—the Organization Domain) to build resilient People who thrive and produce Created Value.
As a leader in transportation and logistics, you know the operation runs on reliable People. Drivers who deliver. Warehouse managers who coordinate. Forklift operators who load. Order pickers who fulfill. Yet chronic health risks in trucking and variable-demand roles have exacerbated a manageable challenge into a critical bottleneck. Driver deaths. Persistent shortages. Rising accident severity. Workforce disruptions that ripple through service, safety, and costs.
Traditional responses proved insufficient. Higher pay. Recruiting bonuses. Stricter safety protocols. They slowed the decline but could not stop it. Retention stayed difficult. Accidents persisted. Frustration grew as the operation you built began to strain under health-related exits and disruptions.
But what if the most powerful leverage point lies in the Organizational “soil” that shapes resilience in variable-demand conditions?
The Limitation of Forcing the “Plant” Amid Chronic Health Risks in Trucking
Many operations instinctively reach for direct incentives or stricter rules. They force the “plant” (People) to perform despite irregular schedules, long hours alone, limited healthy food options, and sedentary demands. Generic wellness programs, often delivered through yet another standalone app that adds to fatigue, yield modest results at best. Research shows that less-integrated initiatives quickly lose adherence when they conflict with real-world demands. Brief, embedded routines, by contrast, maintain strong participation and deliver meaningful outcomes.
Temporary periods of constructive challenge can build deeper resilience. Think of focused intensity during peak seasons. Much like a seasonal drought prompts roots to grow stronger and access deeper nutrients. When balanced with adequate recovery, these challenges foster long-term adaptability and strength.
Chronic overload tells a different story. Unrelenting irregular hours without sufficient recovery turn constructive stress into toxic overload. The cost is clear. Elevated burnout. Health deterioration. Depleted long-term resilience. Short-term miles come at the price of sustained safety and retention. This mirrors the trends where chronic conditions drive higher disability, deaths, and crash severity.
The difference lies in consistently feeding the “soil”. We refine Processes to enable natural, sustainable growth.
The Humaculture® Topological Model: A Mentor for Sustainable Cultivation in Variable-Demand Operations
The Humaculture® Topological Model provides leaders with a proven framework. Three Domains interact fluidly without hierarchy to foster purposeful Value Creation. The Dynamic Matrix provides profound insights into the connections (topology) between them.
The cultivated “soil” is the Organization Domain—Structure, Assets, and Processes—that enables the “plants” (People) to thrive within the broader terrain (Environment).
Environment Domain
The broader terrain. Rules (hours-of-service regulations, safety standards), Natural Resources (fuel, equipment, rest facilities, capital for investment), Community (customers, regulators, potential employees).
- Challenges: Constant regulatory adaptation, variable fuel costs, customer pressure for speed, limited healthy food options at rest stops.
- Opportunities: Align external conditions with internal resilience through better rest planning, safety compliance, and partnerships among peer Organizations and vendors to improve access to nutritious food options.
Organization Domain
The cultivated “soil”. Structure (flat governance, route planning hierarchies), Assets (trucks, technology, financial reserves), Processes (Leadership and Operational). Leadership Processes set direction and norms: Strategic Planning aligns long-term routes with health needs; Resource Allocation funds reliable scheduling, equipment, and family-supportive benefits; Skill Development builds advanced safety and fatigue-management capabilities; Community Engagement incorporates customer feedback for realistic timelines; Cultural Nurturing fosters respect and mission resonance; Performance Nurturing provides feedback on routes and well-being. Operational Processes execute day-to-day reliability: predictable dispatching, payroll accuracy, maintenance schedules, compliance workflows, and administrative support for leave or family needs.
- Challenges: Irregular hours, equipment downtime, administrative delays, sedentary lifestyle demands.
- Opportunities: Reliable execution of these Processes creates a well-functioning operation where People rely on consistent management support, fair schedules, and financial stability.
People Domain
The “plants”. Personal Characteristics (age, gender, height, weight, behavioral heuristic), Skills/Training/Education/Experiences (CDL certification, HAZMAT training, Supply Chain Warehousing Certificate), Created Value (safe deliveries, on-time performance, customer satisfaction).
- Challenges: Isolation, sedentary lifestyle, poor nutrition access.
- Opportunities: Refined “soil” enables People to manage variability without chronic overload, producing resilient, healthy, productive Talent.
In variable-demand operations like trucking, effective workplaces do not emerge by accident. They require intentional orchestration of the Dynamic Matrix—meaningful challenge through purposeful work, responsive supervisor support, autonomy over aspects of tasks, co-worker backing through peer networks, respect for contributions, work-life fit with predictable recovery time, fair pay and advancement paths. Research from the Families and Work Institute shows such workplaces yield roughly twice-better health outcomes relative to low-effective workplaces, reducing chronic stress, fatigue-related risks, and claims severity while strengthening retention and safety.
The Decisive Choice: Refine the “Soil”
The turning point comes when the leader chooses intentional cultivation over leaving the Dynamic Matrix uncoordinated. Instead of another bonus program or compliance rule, they reallocate Assets toward merit-based Processes. They embed practical biometric feedback in Performance Nurturing. Adjust scheduling safeguards through Resource Allocation. Align Cultural Nurturing with mission and independence. Foster peer networks and mentorship to build belonging and support.
Published examples show this works. J.B. Hunt fosters belonging through driver appreciation events. Swift Transportation Mentor Program has experienced drivers mentor new ones on real-world skills, safety, and adaptation – focusing on performance improvement and retention through direct peer guidance. PAM Transport Driver Mentor Program allows mentors to earn extra pay while guiding new drivers on routes, safety, and lifestyle management – delivering practical, incentive-driven peer support for job success and resilience. Averitt Express provides paid training with personal driver trainers (experienced peers) for onboarding and skill development, supporting reliability and peer learning. Schneider’s Driver Ambassadors, selected for excellence, advocate improvements to the driver experience. Opportunities remain to develop virtual networks and revive depot meetups, creating informal communities that combat isolation and provide practical co-worker support for job success. These structures activate within Cultural Nurturing and Community Engagement, helping People feel connected despite the road.
Brief daily routines with high adherence have been shown to substantially reduce pain levels and support sustained focus—countering sedentary demands. Deeply integrated workplace resilience programs, including preventive coaching for lifestyle, nutrition, and gut/digestive health, deliver strong multi-dollar returns on investment when designed to attract and retain Talent already inclined toward health. These yield meaningful improvements in chronic disease risk factors, reductions in symptom burden, and corresponding lower medical spending and claims severity—addressing limited healthy food options on the road. Embedded support for health-related absences, when part of broader resilience Processes, significantly shortens disability durations tied to chronic conditions, producing high ROI.
HARS™ (Health, Absence, Resilience Support) is a sub-knowledge set within the Topological Model. It specifically addresses, analyzes, and predicts Process improvements to achieve the Three Promises in health, absence, and resilience areas.
Resolution: Measurable Victory and Renewed Operations
Organizations that consistently feed the Organizational “soil” achieve balanced, lasting success. The resolution is measurable victory: higher People Health Quotient (PHQ) and Organization Health Quotient (OHQ), meaningful reductions in disability costs and absenteeism, stronger retention and engagement, substantially multiplied Created Value, and a renewed operation ready for the next cycle.
For leaders in transportation and logistics facing chronic health risks in trucking, the results include:
- Economic. Strong multi-dollar returns on investment. Meaningful reductions in medical spending, disability costs, insurance premiums, and indirect disruptions. Easier recruiting of ideal drivers. Reduced turnover. More drivers passing DOT health examinations. Fewer safety incidents. This results in recovered productivity that directly protects operational stability.
- Effectual. Tangible risk reduction. Lower chronic disease progression. Decreased accident severity. Faster recovery from health events. This supports measurable declines in the key post-COVID morbidity drivers.
- Emotional. Authentic resonance through merit-based recognition, constructive challenge, and mission alignment. This builds voluntary engagement and retention rather than dependency or resentment.
The outcome is multiplied Created Value. Higher retention. Safer miles. More stable operations. Reduced shortages and disruptions. The operation becomes self-reinforcing. Resilient People produce sustainable fruit cycle after cycle.
Next week, in Part 3, we’ll examine chronic condition surges and broader workforce impacts. Companion to ICSL’s focused analysis.
Take the First Step
As a starting point, contact Humaculture® for a review of your medical, disability, workers’ compensation, and absenteeism data, mapped to the Dynamic Matrix. We’ll identify leverage points to cultivate resilience and Created Value in your unique terrain.
Read the companion ICSL article for the full view of trucking challenges. Join us in building operations where People don’t just endure variability. They flourish within it.
Contact us if you would like to learn more or have your data analyzed.
LinkedIn: humaculture-inc
Humaculture® — Cultivate Organizations, Grow People.
Cultivating Resilience: Organizational “Soil” Health in an Era of Chronic Risk
Above Image: Bent by winds, unbroken by storms. Holistically addressing chronic health condition costs.
Part 1: Rising Chronic Health Conditions Costs – Feeding Organizational “Soil” to Build Sustainable Resilience
January 22, 2026
By Steve Cyboran, Humaculture, Inc.
This is the first in a 5-part companion series to ICSL’s analysis of post-pandemic mortality and morbidity trends driving chronic health conditions costs. While ICSL illuminates the clinical and industry pressures deepening in 2025, Humaculture® offers the organizational framework for sustainable solutions—cultivating resilient “soil” (Structure, Assets, Processes) so People naturally thrive and produce Created Value.
As a leader of an insurance organization or an employer-sponsored benefits program, you are navigating an era where chronic health risks have moved from background concern to the primary driver of escalating costs. Throughout 2025, the burdens of chronic health conditions costs were unrelenting. Rising medical claims and stop-loss events. Prolonged disability durations. Increased accident severity. Elevated absenteeism and presenteeism. Workforce disruptions, customer service gaps, and lost productivity. As detailed in the companion analysis from ICSL, “The Insurance Crisis Deepens – 2025 Earnings and Chronic Disease Pressures,” the root drivers trace to five persistent post-COVID categories (Cardiac & Circulatory, Nervous & Neurological, Metabolic & Digestive, Cancer, and External causes) that continue to elevate morbidity, utilization, and both direct and indirect costs.
Traditional responses proved insufficient. Rate increases. Benefit restrictions. Siloed wellness apps. They treated symptoms while the underlying conditions persisted. Leaders felt the frustration. Short-term fixes delivered diminishing returns. Talent retention suffered under chronic stress. Created Value eroded as health-related disruptions compounded.
But what if the most powerful leverage point lies not in the claims data alone, but in the organizational “soil” that shapes human resilience day after day?
The Escalating Chronic Health Conditions Costs
The chronic health conditions costs employers and insurers face are not just financial. They disrupt service delivery, safety, and stability. Many organizations instinctively reach for direct incentives or punitive measures, which essentially attempts to force the “plant” (People) to perform despite less than ideal conditions. Generic wellness programs, often delivered through yet another standalone app that adds to employee fatigue, yield modest results at best. Research shows that less-integrated initiatives quickly lose adherence when they conflict with daily workflow. Brief, embedded routines maintain strong participation and deliver meaningful outcomes.
Temporary periods of constructive challenge (such as focused, time-bound intensity during critical projects) can build deeper resilience, much like a seasonal drought prompts roots to grow stronger and access deeper nutrients. When balanced with adequate recovery, these challenges foster long-term adaptability and strength.
In contrast, chronic extreme hours (unrelenting demands without sufficient recovery) turn constructive stress into toxic overload. The cost is clear: elevated burnout, family incompatibility, and depleted long-term resilience. Short-term gains come at the price of sustained health, mirroring the trends where delayed screenings and chronic stressors drive higher claims severity and indirect costs.
The difference lies in consistently feeding the “soil” – enriching Processes to enable natural, sustainable growth.
The Humaculture® Topological Model: A Mentor for Sustainable Cultivation
The Humaculture® Topological Model provides leaders with a proven framework. The Dynamic Matrix. Three Domains (Environment, Organization, People) interact fluidly without hierarchy to foster purposeful Value Creation.
- Environment Domain: The broader terrain (Rules, Natural Resources, Community) that sets external conditions.
- Organization Domain: The cultivated “soil” – Structure (governance, workflows), Assets (financial, physical, intangible), and Processes (Strategic Planning, Resource Allocation, Skill Development, Community Engagement, Cultural Nurturing, Performance Nurturing).
- People Domain: The “plants” – Personal Characteristics, Skills/Training/Education/Experiences, and Created Value (innovation, productivity, service delivery).
Processes are the enabling layer that turns resources into sustained growth. Performance Nurturing, for example, addresses four Areas of Focus – Knowing (what to do), Wanting (motivation), Ability (removing barriers), and Capacity (bandwidth) – to drive lasting behavior change. When purposefully designed and resourced, these Processes nurture Well-being (health and resilience) as the precursor to abundant Created Value.
In the context of today’s chronic risk pressures, this means shifting from reactive cost management to proactive “soil” enrichment:
- Brief daily routines with high adherence have been shown to substantially reduce disability days and pain levels.
- Deeply integrated workplace resilience programs, with strong leadership, resonating strategy, support to empower behavior change, and aligned workplace policies, deliver strong multi-dollar returns on investment, with meaningful improvements in health, reductions in absenteeism, and corresponding lower medical spending and claims severity.
- Optimized return-to-work support, when embedded in broader resilience Processes, significantly shortens disability durations, producing high ROI.
HARS™ (Health, Absence, Resilience Support) operationalizes this within the Matrix. It substantially reduces short-term disability and workers’ compensation duration and delivers measurable outcomes across health, absence, and productivity.
The Decisive Choice: Enrich the “Soil”
The turning point comes when the leader chooses cultivation over coercion. Instead of another benefit restriction or standalone initiative, they reallocate Assets toward merit-based Processes: embedding early biometric feedback in Performance Nurturing, flattening unnecessary hierarchy for faster decision cycles, and aligning Cultural Nurturing with mission resonance.
This is not entitlement. It is Equality of Opportunity. Well-tended “soil allows resilient Talent to thrive according to their ability to utilize the conditions provided.
The Resolution: The Three Promises Delivered. Starting with Economic Viability
Organizations that consistently feed the organizational “soil” achieve balanced, lasting success. For leaders managing benefits programs or insurance risk in today’s environment, the results begin with a clear Economic payoff with substantial containment of chronic health conditions costs:
- Economic: Defensible, actuarial-grade ROI. Comprehensive, deeply embedded resilience programs deliver strong multi-dollar returns on investment, with meaningful reductions in absenteeism, medical spending, disability costs, and indirect disruptions. Leaders often see meaningful improvements in employee resilience leading to corresponding reductions in medical costs, fewer catastrophic events, reduced workforce turnover, and recovered productivity that directly protects financial stability.
This economic viability is sustained and amplified by the other two promises:
- Effectual: Tangible risk reduction – lower chronic disease utilization, decreased accident severity, faster return-to-work, and measurable declines in the key post-COVID morbidity drivers.
- Emotional: Authentic resonance through merit-based recognition, constructive challenge, and mission alignment. This builds voluntary engagement and retention rather than dependency or resentment.
The outcome is multiplied Created Value. Higher productivity. Lower absence and presenteeism. More stable staffing. Reduced indirect costs (customer service disruptions, safety incidents, operational delays). The “garden” becomes self-reinforcing. Resilient People produce sustainable fruit cycle after cycle.
Next week, in Part 2, we’ll examine how trucking organizations are applying these same principles to address driver health, shortages, and safety risks. Companion to ICSL’s focused analysis.
Take the First Step
As a starting point, contact Humaculture® for a review of your medical, disability, workers’ compensation, and absenteeism data, mapped to the Dynamic Matrix. We’ll identify leverage points to cultivate resilience and Created Value in your unique terrain.
Read the companion ICSL article for the full diagnostic of 2025 trends. Join us in building organizations where People don’t just manage chronic risk. They flourish despite it.
Humaculture® — Cultivate Organizations, Grow People.
LinkedIn: humacultureinc
Introducing Our New Series: Cultivating Resilience Amid Rising Chronic Health Conditions
Above Image: Focused on Resilience.
January 22, 2026
By Humaculture, Inc.
The pressures are unrelenting. Rising chronic health conditions drive escalating costs. Medical claims. Disability durations. Workforce disruptions. Operational strain.
ICSL has launched a powerful 5-part series diagnosing these post-pandemic realities across insurance, employer benefits, and high-risk industries like trucking.
We at Humaculture® are proud to publish a companion series. We focus on the organizational path forward. Cultivating resilient “soil” (Structure, Assets, Processes) so People thrive and produce sustainable Created Value.
Our articles publish every Thursday.
Here is the full lineup:
- Rising Chronic Health Conditions Costs: Feeding Organizational “Soil” to Build Sustainable Resilience (Live now – companion to ICSL’s insurance crisis analysis.)
- Chronic Health Risks in High-Variability Operations: Cultivating “Soil” Resilience in Trucking and Beyond (Live now – companion to ICSL’s Trucking Industry Health Crisis.)
- Chronic Condition Surges and Workforce Impacts: Enriching Organizational “Soil” for Population Resilience (Live now – companion to “Real Employer Impacts – Post-COVID Disability and Cost Surges“)
- Beyond Pharmacology Alone: Integrative “Soil” Cultivation for Lasting Chronic Condition Mitigation (Thursday, February 19)
- Partnering to Address Chronic Risk at Scale: Aligning Forward-Living Protocols with Organizational “Soil” Health (Thursday, February 26)
ICSL provides the clinical and industry diagnosis. Humaculture® delivers the framework to turn insight into action. Balanced outcomes across the Three Promises. Economic viability through reduced costs. Effectual risk reduction. Emotional resonance that builds engagement.
Leaders in insurance, benefits, transportation, and operations—this series is for you.
Follow us on X @HumacultureInc. and LinkedIn. Share with colleagues facing these challenges.
Ready to explore how the Humaculture Topological Model applies at your Organization? Contact us for a review of your Organization or program performance.
Read Part 1 today. Join us Thursdays.
Steve Cyboran – [email protected]
Wes Rogers – [email protected]
Caroline Cyboran – [email protected]
#ChronicHealth #OrganizationalResilience #Humaculture #HARS™ #CreatedValue
Grocery Industry HR Survey 2025: Key Insights for Regional Retailers
Posted by Humaculture®
September 18, 2025
With grocery prices up ~25% since 2020 and labor shortages intensifying, regional grocers need innovative workforce strategies to stay competitive. At Humaculture®, we’re excited to launch the Grocery Industry HR Survey 2025, designed to deliver actionable insights for regional grocery stores facing grocery HR challenges like turnover, rising costs, and policy shifts.
Why Participate in the Grocery Industry HR Survey?
The Grocery Industry HR & Benefits Survey uncovers correlations between HR practices, total rewards, and outcomes like employee retention, productivity, and labor cost management. By joining, you’ll gain:
- Exclusive Benchmarking: Compare your practices to industry trends.
- Actionable Insights: Address labor shortages in the grocery industry and optimize employee retention in grocery stores.
- Industry Leadership: Contribute to a report shaping grocery industry benefits trends.
Watch a replay of our Grocery Industry HR Survey 2025 Webinar to learn more.
Take the Grocery Industry HR Survey 2025 now.
Addressing Grocery HR Challenges in 2025
Regional grocers face unique pressures:
- Economic Shifts: New tariffs and inflation increase costs.
- Labor Shortages: Immigration policies risk short-term workforce gaps, raising labor costs.
- Competition: Big-box stores and discounters challenge market share.
- Consumer Trends: Private-label products hold over 20% market share with near-universal adoption, demanding agility.
Our survey explores regional grocery workforce strategies for:
- Attracting and Retaining Talent: Competitive compensation and benefits.
- Boosting Productivity: Training and workplace culture initiatives.
- Managing Costs: Balancing wages with operational efficiency.
Learn how our total rewards philosophy leads success in a grocery setting.
Engaging with the Grocery Industry
Humaculture® is committed to driving industry-wide impact by sharing insights at key grocery events where HR and workforce topics take center stage:
- Grocery Impact 2025 (November 5-7, Orlando): Focused on “The Power of People,” featuring sessions on leadership, talent development, and innovative HR strategies.
- Groceryshop 2025 (September 28–October 1, Las Vegas): A hub for grocery innovation, including discussions on tech-driven workforce solutions and supply chain impacts on labor.
These events align with 2025 HR trends like skills-based hiring, AI integration, and financial wellness programs—key areas our survey addresses. Join us to spark conversations on empowering regional grocers.
Survey Highlights
- Quick and Confidential: 25-30 minutes, anonymized responses.
- Comprehensive: Covers compensation, training, culture, and grocery industry benefits trends.
- Incentives:
- Executive summary and benchmarking report.
- Recognition in an upcoming Humaculture® whitepaper.
- Personalized report via a follow-up meeting.
Join Us to Shape Grocery HR
Take the Grocery Industry HR Survey 2025 and share on LinkedIn or X with #GroceryHR to drive industry change. For questions, contact any of our team members:
| Steve Cyboran | CEO, Consulting Actuary, Chief Behavioral Officer |
| Wes Rogers | President, Humaculturist® |
| Paula Labian | Former CHRO, HAC/Whole Foods |
| Marc Jones | Former CEO, HAC |
| Sam Martin | Former CEO, A&P, SVP Operations, Wild Oats Market |
FAQ: Grocery Industry HR Survey 2025
- What is the Grocery Industry HR Survey?
A 25-30 minute survey addressing grocery HR challenges like turnover, labor costs, and benefits for regional grocers. - How can regional grocers benefit?
Gain benchmarking data and actionable insights for employee retention in grocery stores. - Is it confidential?
Yes, responses are anonymized, ensuring candid feedback.
Humaculture® is a registered trademark of Humaculture, Inc.
People Development: A Humaculture® Perspective Series
People Development Overview
In this webinar series, we explored ways organizations can rethink the traditional performance management and people development processes to make them more meaningful, impactful, and aligned with the organizational vision and strategy – focusing employees and leaders on what is truly important.
Successful horticulturists recognize the overwhelmingly positive impact of pruning. Pruning is the process of removing branches that:
- Are not supporting the desired shape of the plant the horticulturist seeks,
- Take energy from the plant that reduce productivity,
- Shade or otherwise interfere with the productivity of the other branches.
Effective pruning allows the plant to focus its energies in the most effective and productive areas. People, like plants, often expend energy and time in areas that distract them from achieving their highest and greatest purpose and contributions. In any organization, it is important to help employees remove or overcome the impediments that hold them back, and focus on the areas and interests that will really help them achieve their goals, as well as the strategic priorities of the organization. This series highlights several ways organizations can be innovative and more effective than traditional “performance management.”
The topics from the series include:
| Performance Management: Walking the Garden |
| The shift from Managing to Facilitating Growth |
| Shaping Talent for Success: Pruning the Vines |
| Capabilities: Prune to Encourage Growth |
| Career Planning: Effective Pruning Bears Fruit |
| Employee Development |
| Manager Development |
| Leadership Development |
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. To that end, our team of consultants, including actuaries, clinicians, behavioral health, pharmacy, and legal resources are available to guide you through the compliance process. Please contact us.
Hidden Opportunities, A Strategic Compliance Series
Hidden Opportunities Overview
In this webinar series we explore ways organizations can go beyond basic compliance and improve their “organizational soil” through a strategic response to the No Surprises Act and the Transparency in Coverage regulations. Our goal is to help organizations create a competitive advantage. Does it make sense to expend limited resources to merely comply with the law and regulations, or is there a way to strategically “design the compliance away” while differentiating the employee value proposition?
For example, a knowledgeable horticulturist may use the high temperatures of the summer season, which are a normal part of the environment just as law and regulation are a normal part of the business environment, to solarize the soil. This is a low cost and simple process of spreading a plastic sheet over an area of soil to trap and intensify the sun’s energy. It is a process that works well to destroy weed seeds and pathogens. Similarly, a knowledgeable Humaculturist® can employ techniques to leverage laws and regulations to strategically improve the organization. This webinar series seeks to identify some of these techniques.
The topics from the series include:
| Hidden Opportunities: No Surprises Act |
| Surpassing Mere Compliance – Including Reference Based Pricing |
| Preserving the Harvest…Leveraging HSAs |
| Hidden Opportunities: Transparency |
| A “Dope” Response to Pharmacy Transparency |
| Mental Health Parity…A Lucid Approach |
| Pest Management, Minimizing Plan Losses through Fee Disclosure |
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes experts in organization design, actuarial science, clinical, and legal can guide the process to achieve optimal behavior. Please contact us.
Trends in Diabetes and Excess Mortality – CEO Interview
Read about Humaculture’s CEO’s, Steve Cyboran, ASA, MAAA, FCA, CEBS, interview with Life Annuity Specialist featured in Diabetes is Killing More Americans Than Ever Before. Steve explains the trends in diabetes over the last 40 years. The rate of diabetes almost quadrupled from around 3% in the 1980s to 11.3% in 2023. Deteriorating health is a contributing factor to the trends in diabetes, which leads to elevated health costs, disability rates, and mortality.
The good news is that there is quite a bit insurance carriers and employers can do to stem the tide and help People become healthier to the benefit of the insured and the Organization’s bottom line. Contact us to discuss how.
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
Optimal Behaviors: Making Optimal Behavior the Natural Choice
Optimal Behaviors Overview
Watch this webinar series to see how we explore ways organizations can incorporate research-based, practical approaches to create the conditions where Optimal Behaviors are the natural choice. Optimal Behaviors are those that are the most beneficial to the individual as well as the organization.
Horticulturists consider the impact of the conditions in which plants are grown (e.g., climate, soil structure, space and fertility, arrangement, companion planting). Growth and productivity improve when the context of each dimension is appropriately addressed. Expertise from fields like botany and soil sciences provide the successful horticulturist with the information to do their jobs well.
Similarly, Humaculturists® consider the Seven Dimensions of Humaculture® to employ knowledge solidly “rooted” in science for the best results. Behavioral Research Applied Technology Laboratory (BRATLAB), Virtuositeam’s research arm, set out to answer some crucial questions related to understanding changes in behavior and habit creation:
- Which habits really matter, and to what degree, to the three biggest hidden drivers of sustained performance at work, human health, happiness, and security?
- How do we support people to practice these habits in a way that they experience as easy and natural, and that leaves them feeling highly engaged with their employer?
Four Powers Model of Change
The result: the Four Powers Model of Change. This model helps organizations create a thriving culture by leveraging this key distinction: how people THINK they behave and make decisions, versus how they ACTUALLY behave and make decisions. Four Powers is based on behavioral theories and validated research, behavioral research laboratories, and BRATLAB’s own extensive field testing. BRATLAB looked across industries to find the influence techniques that have been successfully used for years to shape employee and customer behavior.
The topics from the series include:
- Introduction: “Creating the Conditions for Optimal Behavior”
- Spaces Context: “Grow a Willow in a Desert? The importance of Spaces”
- Context of the Self: “The Complexity of Each Person”
- Systems Context: “The Systems that Govern Behavior”
- Social Context: “How People Influence Each Other”
- Harvest Time: “Reaping the Fruit of Optimal Behaviors”
Prior Series
- Hidden Opportunities, A Strategic Compliance Series
- People Development: A Humaculture® Perspective Series
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes experts in organization design, actuarial science, clinical, and legal can guide the process to achieve optimal behavior. Please contact us.
Webinar Replay: Harvest Time: “Reaping the Fruit of Optimal Behaviors”
Watch a replay of the sixth and final webinar in Humaculture, Inc.’s “Optimal Behavior: Making Optimal Behavior the Natural Choice” to learn why and how to apply the four Contexts and four Powers of behavior change through a review of a case example.
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant
- Wes Rogers, Humaculturist® and strategy consultant
- Colin Bullen, ASA, behavior change actuary
- Hanlie van Wyk, behavior change consultant
Objective
In this sixth and final session in our series on Optimal Behavior, we explore how to apply all the learning from the previous five webinars to reap a bountiful harvest produced by desired behaviors. To reliably achieve sustained Optimal Behavior, we consider all four Contexts – Spaces, Self, Systems, and Social. We do this by applying the Four Powers – the Powers to grow capability, inspire motivation, overcome barriers, and resist temptation – to align the influences acting on People toward supporting the change to Optimal Behavior. We will demonstrate the process of adjusting the Powers within the Contexts and the practical steps to take using a case study in the retail sector. We wrap up with the virtuous cycle that is the Change Ecosystem, showing how to reinforce Optimal Behaviors and ensure those behaviors stick. At the end of this webinar, attendees will understand how the Powers and Contexts come together to create the Four Powers behavior change framework and how that framework can be applied in practice.
“In the final analysis, change sticks when it becomes the way we do things around here.” – John P Kotter
Harvest Time Key Takeaways
Join us to learn how to apply the Four Powers model of change to reap the following fruits:
- Confident and capable People
- Inspired workplace
- Agile workforce
- People armored against distractions
Watch
Watch the Optimal Behavior: Harvest Time: “Reaping the Fruit of Optimal Behaviors” via Rumble or YouTube.

Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
Harvest Time: “Reaping the Fruit of Optimal Behaviors”
Join us on Thursday, July 18, 2024 from 10:30 to 11:00 CDT (4:30 to 5:00 BST) for the sixth webinar in Humaculture, Inc.’s “Optimal Behavior: Making Optimal Behavior the Natural Choice.” You will learn why and how to apply the four Contexts and four Powers of behavior change through a review of a case example.
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant
- Wes Rogers, Humaculturist® and strategy consultant
- Colin Bullen, ASA, behavior change actuary
- Hanlie van Wyk, behavior change consultant
Objective
In this sixth and final session in our series on Optimal Behavior, we explore how to apply all the learning from the previous five webinars to reap a bountiful harvest produced by desired behaviors. To reliably achieve sustained Optimal Behavior, we consider all four Contexts – Spaces, Self, Systems, and Social. We do this by applying the Four Powers – the Powers to grow capability, inspire motivation, overcome barriers, and resist temptation – to align the influences acting on People toward supporting the change to Optimal Behavior. We will demonstrate the process of adjusting the Powers within the Contexts and the practical steps to take using a case study in the retail sector. We wrap up with the virtuous cycle that is the Change Ecosystem, showing how to reinforce Optimal Behaviors and ensure those behaviors stick. At the end of this webinar, attendees will understand how the Powers and Contexts come together to create the Four Powers behavior change framework and how that framework can be applied in practice.
“In the final analysis, change sticks when it becomes the way we do things around here.” – John P Kotter
Harvest Time Key Takeaways
Join us to learn how to apply the Four Powers model of change to reap the following fruits:
- Confident and capable People
- Inspired workplace
- Agile workforce
- People armored against distractions
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
