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Towers Watson
Benefits in Russia: Current Trends and Outlook for 2013
A presentation on IGP Lunch ?n? Learn
by George Belyankin
11 October 2012
© 2012 Towers Watson. All rights reserved.
Global breadth and depth: Towers Watson Offices
Our 14,000 associates in 36 countries work together to deliver
the perspectives that give your organization a clear path forward
In addition, through a
global network of incountry experts we are able
to provide compensation,
benefit and employment
practices for over 100
countries
TOWERS WATSON OFFICES IN 36 COUNTRIES
ASIA-PACIFIC ? Australia ? Greater China ? India ? Indonesia ? Japan
Malaysia ? Philippines ? Singapore ? South Korea ? Taiwan ? Thailand ? Vietnam
EUROPE ? Austria ? Belgium ? France ? Germany ? Ireland ? Italy
Netherlands ? Portugal ? Russia ? Spain ? Sweden ? Switzerland ? Turkey
United Arab Emirates ? United Kingdom
LATIN AMERICA ? Argentina ? Brazil ? Chile ? Colombia ? Mexico ? Uruguay
NORTH AMERICA ? Bermuda ? Canada ? United States
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© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
Our expertise
How we can help you:
improve performance through effective people, risk and financial management
Mergers and Acquisitions: From target evaluation to integration implementation
Benefits
Talent and Rewards
Risk and Financial Services
? Retirement
? Executive Compensation
? Insurance Consulting
? Health and Group Benefits
? Talent Management
? Investment Services
? Technology and
Administration Solutions
? Rewards
? Reinsurance Brokerage
? Communication and
Change Management
? Financial Modeling
Software
? Employee Surveys
? Risk Management
? International Consulting
? Global Data Services
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© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
Retirement ? growing benefits in Russia
?
?
?
Around 20% (TWDS General Industry
Report Russia 2011) of large local and
multinational
companies
provide
supplementary pension benefits.
Percentage of companies providing
pension plans in Russia
25%
20%
On average about 80% of retirement
benefit arrangements are based on annual
salary (usually base salary).
15%
Two thirds of employers are contributing
5% of base salary or below and about one
third between 5% and 10% of base salary.
5%
10%
0%
2005
2006
2007
2008
2009
2010
2011
?
Typical employer contribution rate is around 6% for general management and about
4,5% for other employees.
?
About 60% of companies require an employee contribution which is on average
around 3%.
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© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
Insuring employees? life
Percentage of companies providing long
term permanent death benefits in Russia
80%
?
?
More than 70% (TWDS General Industry
Report Russia 2011) of large local and
multinational companies provide their
employees with death benefits.
Most surveyed companies provide death
benefits in the form of lump sum.
75%
70%
65%
60%
55%
50%
2008
3x
4x
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2010
2011
?
Two thirds of employers provide death
benefit equal to 2 times annual salaries.
?
In about 13% (TWDS General Industry
Report Russia 2011) of cases such a
benefit is paid in the event of
work/business travel accident only.
1x
2x
2009
5
© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
Care about disabled
?
?
Percentage of companies providing long
term permanent disability benefits in Russia
Around 50% (TWDS General Industry
Report Russia 2011) of large local and
multinational companies provide long term
permanent disability benefits.
Most
surveyed
companies
provide
disability benefit in the form of a lump sum
but the share of companies providing
disability pensions is increasing.
60%
50%
40%
30%
20%
10%
0%
2008
93,20%
100%
88,70%
2010
40%
2011
20%
3,40%
5,20%
3,40%
6,20%
0%
Pension Only
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Lump Sum
2010
2011
?
About 30% (TWDS General Industry
Report Russia 2011) of surveyed
companies provide a lump sum of once
times annual salary, 50% 2 times, 20%
3 times and more.
?
There is a tendency of moving from 2
times annual salaries to one times.
80%
60%
2009
Combination of
Pension and
Lump Sum
6
© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
Hot off the press. Preliminary BDS 2012 results
Life Insurance
Satisfied with coverage
Hospitalization
Considering enhancing
coverage
12%
20%
11%
Yes
88%
No
18%
Yes
Yes
No
89%
80%
Accidental Death
Satisfied with coverage
14%
Yes
87%
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No
Satisfied with coverage
No
82%
Considering enhancing
coverage
19%
22%
Yes
86%
No
Yes
Critical Illness
Considering enhancing
coverage
13%
Considering enhancing
coverage
Satisfied with coverage
No
Yes
Yes
78%
No
81%
No
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© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
Healthcare. Deep dive into structure
Preliminary results
?
Almost 100% of employers in
Russia (BDS Report Russia 2012)
provide private medical insurance.
Prevalence of healthcare
services
Clinical/ Outpatient
98%
Hospitalization
97%
Dental
94%
Maternity
39%
0%
50%
100%
Employee
Category
Top-3
Policlinics
Top-3
Dental Clinics
Technical and
business support
1. ОАО ?Лечебный центр?
1. ООО ?ДентаВита Сеть?
2. ФГЛПУ "Поликлиника ?2
Минэкономразвития России?
2. ?Центр Эстетической Стоматологии
3. ?Нормодент?
3. ОАО "Моситалмед?
Top management
1. ФГУП "МЕДИНЦЕНТР" Глав УпДК при
МИД РФФГУ
1. ООО ?ДентаВита Сеть?
2. ОАО "Моситалмед?
3. ?Нормодент?
2. ?Центр Эстетической Стоматологии?
3. ОАО ?Лечебный центр?
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© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
Flexible benefits ? growing in popularity
(TWDS General Industry Report Russia 2011)
Percentage of companies providing flexible
benefits in Russia
10%
8%
6%
4%
2%
0%
2009
2010
2011
2012
?
Flexible benefits plan or cafeteria approach is a new opportunity in Russia.
The number of companies operating such a plan is significantly increased
over the last 4 years.
?
Presently this is the preserve of small companies managing it via spread
sheets or larger companies who have the in-house administration capability.
Third party suppliers remain limited.
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© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
New working world
(BDS Report Russia 2012)
Flexible working arrangements
30%
70%
Yes
No
Documented in a formal policy
40%
60%
Yes
No
?
Flexible working arrangements are provided by around 50% of High Tech
sector companies and by nearly 30% of Pharmaceutical companies.
?
Frequently flexible working arrangements take the form of flexible working
hours, for example 8 a.m. ? 5 p.m., 9 a.m. ? 6 p.m., 10 a.m. ? 7 p.m.
?
Some companies allow employees to use a flexible working schedule for a
fixed number of days during the business week; sometimes flexible working
hours are implemented during certain periods of the year.
?
Growing number of companies providing working from home arrangements.
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© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
KEY TRENDS
?
?
?
Retirement
Flexible benefits
Flexible working arrangements
GLOBAL WORKFORCE STUDY
Confidence in financial resources to live comfortably in retirement
Russia
12%
72%
16%
Favorable
Global
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45%
30%
25%
Mixed
Unfavorable
11
© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
Contact Information
?
George Belyankin
Phone +7 495 221 4968 (Moscow)
george.belyankin@towerswatson.com
?
Alexandra Ivanova
Phone +7 495 221 4968 (Moscow)
sasha.ivanova@towerswatson.com
?
Maria Malinina
Phone +7 495 221 4968 (Moscow)
maria.malinina@towerswatson.com
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© 2012 Towers Watson. All rights reserved. Proprietary and Confidential. For Towers Watson and Towers Watson client use only.
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