Amina Aitsi-Selmi University College London, UCL Honorary Clinical Senior Lecturer, Epidemiology and Public Health Department Dr Amina Aitsi-Selmi studied Medicine and Social Anthropology at the University of Cambridge, during which time she spent some time exploring the Cuban public health system and reported this in the journal Public Health. She is a public health doctor and academic specialising in health inequalities, and has also worked in Sudan (on a humanitarian

Nicholas Fitzkee Mississippi State University Associate Professor in the Department of Chemistry Dr. Nicholas Fitzkee is an associate professor in the Department of Chemistry at Mississippi State University. He earned his Ph.D. in Biophysics from Johns Hopkins University with Dr. George Rose, and he completed a postdoc at the National Institutes of Health with Dr. Ad Bax. Dr. Fitzkee is broadly interested in using NMR spectroscopy to study the

Inge Vanderreken inge.vanderreken@allenovery.com Allen & Overy belgium Partner Inge specialises in the full range of law involving employment, employee benefits and incentives. Being an active member of Allen & Overy’s Global Employment & Benefits Group, she regularly advises on multi-jurisdictional employment matters. A strong focus of her work is the advice on matters in relation with restructurings, outsourcings and HR-compliance with whistleblowing currently being a key topic. She has

Markulf Behrendt markulf.behrendt@allenovery.com Allen & Overy Hamburg, Germany Partner, Global Head of Employment & Benefits Markulf’s combination of extensive experience in employment law, regular advice to leading B2C companies on complex proceedings, and his lecturing and speaking engagements on human resources issues, keep him at the cutting edge of his field. He holds several key management roles such as Global Head of Employment & Benefits and Co-head of the

Camille Wattrelos camille.wattrelos@allenovery.com Allen & Overy France Employment & Benefits Associate Camille Wattrelos is an associate in the Paris employment law department. She advises French and foreign companies on labour, employment and social security law issues, including employee representative bodies, working time, international mobility and savings schemes. She also provides assistance to clients in relation to restructurings as well as on litigation matters. Having studied law in Paris and

The heart rate monitor built into the new Apple Watch has sparked sharp debate over its risks and benefits, even though the feature was cleared by the Food and Drug Administration. But out of the spotlight, the FDA has been doing away with regulatory action altogether on many diagnostic health apps targeting consumers, seeking to accelerate digital health adoption by defining many of these as “low risk” medical devices.

Claire Toumieux claire.toumieux@allenovery.com Allen & Overy France Employment & Benefits Partner Claire Toumieux heads the Paris employment law department. She advises businesses seeking to define, implement and/or improve their human resource management strategies. She has built up a strong reputation in assisting corporate groups, both listed and unlisted, and investment funds through strategic operations such as mergers and acquisitions, collective bargaining agreements and reorganisations. She also represents them both

It was March 2014 when I received a phone call as I was working in my office. The person on the other end introduced herself as Dr. Linda Houston-Feenstra, chief cardiac nurse of Loma Linda University SACHS Heart Clinic. She said that she has heard about my work on persuasive technology, in particular how it can influence attitude or behaviour change in people. She wanted me to assist her with her heartfailure patients.

Wearing a fitness tracking device could earn you cash from your health insurance company. At first, this sounds lucrative for the people who participate, and good for the companies, who want healthier insurance customers. But it’s not quite so simple.

Grief can seem desolate for those in the thick of it who often feel unable to imagine a way out of their suffering. But, as time passes, the pain usually dampens or becomes more fleeting.

Research suggests that around 70% of people will experience an illogical sense of being a phoney at work at some point in their careers. It’s called the impostor phenomenon (also known, erroneously, as a syndrome). These impostor feelings typically manifest as a fear of failure, fear of success, a sometimes obsessive need for perfection, and an inability to accept praise and achievement. The phenomenon is also characterised by a genuine belief that at some point you, as the “impostor”, are going to be found out for being a fake in your role.

Every surface we touch has its own unique chemical properties. It’s because of these properties that some materials stick to surfaces, while others slide off. For a person, a sticky surface may be a minor annoyance, but for a bacterial cell, surface attachment can be a matter of life and death. Bacteria have evolved their own surfaces to be sticky, like Velcro.

With large international companies managing and financing their group-wide risks centrally, there is a pressing need for a central risk management tool. Captive concepts, which have been around for many years, answer this need and have become very popular in risk management.

Whistleblowers have been making headlines almost every month this past year – and this follows a string of scandals such as LuxLeaks, Panama and the Paradise Papers as well as Dieselgate and Cambridge Analytica, which have exposed the limited assistance available for people seeking to expose wrongful corporate behaviour in the public interest. Only 10 EU member states have comprehensive legislation in place, with others offering partial protection at most. At EU level, there are some existing instruments in place that provide for whistleblower protection, but these have varying levels of detail and remain predominantly limited to financial services, transport safety and environmental protection.

After 60 years of fierce debate, France has finally decided to reform its income tax system and to shift the burden of income tax collection from the State to employers, thus aligning itself with all other EU Member States and most western countries which deduct income tax under a Pay As You Earn (PAYE) system. As of 1 January 2019, employers will be compelled to collect income tax through deducting it from their employees’ salaries and to pay it to the French Tax Department.

Global Benefits Vision: Hello Wendy – please tell us about your background and your career to date. Wendy Liu: I am an actuary by background, and I started my career in consulting before joining Zurich. The majority of my career has been related to global employee benefits. I began on the U.S. domestic side, expanded to international benefits and now am based in Europe covering global benefits.

In the December 2018 issue The “Macron” French Tax Reforms – Claire Toumieux, Camille Wattrelos EU Commission Propose Directive to Protect Whistle Blowers – Markulf Behrendt, Inge Vanderreken Fighting Infection-Causing Biofilms – Nicholas Fitzkee Toxic Workplaces Are Feeding the Impostor Phenomenon – Amina Aitsi-Selmi, Theresa Simpkin The Five Stages of Grief Don’t Come in Fixed Steps – Nick Haslam Could Your Fitbit Data Be Used to Deny Health Insurance? – Andrew Boyd Why Health Apps Are Like the Wild West – Michael L. Millenson Can Persuasive Technology Change Behavior? – Samir Chatterjee Wendy Liu, Zurich Global Employee Benefits Services – Interview How an E.B. Captive Can Help HR – Paul Woehrmann, Reto Heini

French insurer Apicil in December 2018 launched an EUR 10 million insurtech fund along with private equity firm Odysseus Alternative Ventures (OAV). The fund will invest in European startups “seeking to develop new technologies, new business models and new forms of delivery for the insurance sector”. APICIL Group is France’s 4th largest provider of occupational health, life, and retirement plans. OAV is the private equity and venture capital arm

Andy Stocker in December 2018 became Head of Employee Benefits Gulf at MetLife, based in Dubai. He has spent his entire career at MetLife, where he previously was Head of distribution, MetLife Global Employee Benefits and Maxis GBN; Vice President and head of distribution for MetLife Global Employee Benefits; head of Global Relationship Management; and Regional director of Employee Benefit sales, based in Dallas, Texas. He holds a Bachelor

Swiss Re in December 2018 appointed Paul Murray as Global Head of Life and Health, based in London, UK. He succeeds Swiss Re’s CEO of reinsurance for the EMEA region, Russell Higginbotham. Murray previously was global chief pricing officer for the L&H business; head of Swiss Re’s global L&H Products Center; managing director, Life & Health Products, Asia; managing director, Life & Health Products, UK, Ireland and Africa; director,

In the December 2018 issue The “Macron” French Tax Reforms – Claire Toumieux, Camille Wattrelos EU Commission Propose Directive to Protect Whistle Blowers – Markulf Behrendt, Inge Vanderreken Fighting Infection-Causing Biofilms – Nicholas Fitzkee Toxic Workplaces Are Feeding the Impostor Phenomenon – Amina Aitsi-Selmi, Theresa Simpkin The Five Stages of Grief Don’t Come in Fixed Steps – Nick Haslam Big Data and Health Insurance Could Your Fitbit Data Be

French regulator ACPR in November 2018 gave its final approval to the merger between Malakoff Médéric and Humanis, effective January 1, 2019. Both companies are paritarian institutions and offer supplementary pensions and life and health insurance. The new leadership team announced in December 2018 includes: Thomas Saunier, CEO Michel Estimbre, Deputy CEO, in charge of supplementary pensions, Human Resources, IT, underwriting, and operations; Christophe Scherrer, Deputy CEO, in charge

Aon in December 2018 released a paper, The Contemporary Drivers of Mental Health, detailing factors driving poor employee mental health in the UK. Debt, separation and bullying are the personal issues of most concern to employers when it comes to employee mental health, according to a poll of employers. Of the 92 employers surveyed, 39 stated that money and debt were their biggest concerns for employee mental health, 27

Global employee benefits network IBN (International Benefits Network) in December 2018 expanded its network of independent employee benefit consulting firms into Africa by adding RCL as member for Kenya, Tanzania and Uganda. Founded in 2014 and based in Kenya, RCL is an actuarial consultancy firm which provides actuarial, financial modeling and risk management advice to governments and governmental organizations, public and private pension scheme trustees and sponsors, (re)insurance companies, not-for-profit

The Organization for Economic Co-operation and Development (OECD) in November 2018 released the 2018 edition of Health at a Glance: Europe. This report is led by the European Commission and designed to assist member states in improving the health of their citizens and the performance of their health systems. The report cites “two overarching trends [that] warrant special mention”: [T]he steady increase in life expectancy has slowed considerably in

Generali in November 2018 launched Generali Global Pension (GGP), a global business unit dedicated to pensions. The initiative is in line with Generali’s strategic targets of “consolidating its global leadership in Employee Benefits, and accelerating the growth of its asset management business.” GGP will provide multinational corporations with pensions de-risking solutions and cross-border plans. It will also create an additional distribution channel for Generali’s multi-boutique asset-management platform and develop

Accounting standard setting body IASB (International Accounting Standards Board) in November 2018 decided to defer the effective date for International Financial Reporting Standard (IFRS) 17 – Insurance Contracts – to January 1, 2022. IFRS 17 deals with the recognition of income arising from insurance contracts and its presentation in annual accounts. At the same time, the temporary exemption to IFRS 9 that was included in IFRS 4 also was