Thursday, December 16, 2010

Maknig to mayn tipos? Myabe ur teh boz

Undoubtedly one of the big differences between life today and in our Paleolithic past is the level of stress that modern humans face on a daily basis. Much stress happens at work, which is very different from what our Paleolithic ancestors would call work. Modern office work, in particular, would probably be seen as a form of slavery by our Paleolithic ancestors.

Some recent research suggests that organizational power distance is a big factor in work-related stress. Power distance is essentially the degree to which bosses and subordinates accept wide differences in organizational power between them (Hofstede, 2001).

(Source: talentedapps.wordpress.com)

I have been studying the topic of information overload for a while. It is a fascinating topic. People who experience it have the impression that they have more information to process than they can handle. They also experience significant stress as a result of it, and both the quality of their work and their productivity goes down.

Recently some colleagues and I conducted a study that included employees from companies in New Zealand, Spain, and the USA (Kock, Del Aguila-Obra & Padilla-Meléndez, 2009). These are countries whose organizations typically display significant differences in power distance. We found something unexpected. Information overload was much more strongly associated with power distance than with the actual amount of information employees had to process on a daily basis.

While looking for explanations to this paradoxical finding, I recalled an interview I gave way back in 2001 to the Philadelphia Inquirer, commenting on research by Dr. David A. Owens. His research uncovered an interesting phenomenon. The higher up in the organizational pecking order one was, the less the person was concerned about typos on emails to subordinates.

There is also some cool research by Carlson & Davis (1998) suggesting that bosses tend to pick the communication media that are the most convenient for them, and don’t care much about convenience for the subordinates. One example would be calling a subordinate on the phone to assign a task, and then demanding a detailed follow-up report by email.

As a side note, writing a reasonably sized email takes a lot longer than conveying the same ideas over the phone or face-to-face (Kock, 2005). To be more precise, it takes about 10 times longer when the word count is over 250 and the ideas being conveyed are somewhat complex. For very short messages, a written medium like email is fairly convenient, and the amount of time to convey ideas may be even shorter than by using the phone or doing it face-to-face.

So a picture started to emerge. Bosses choose the communication media that are convenient for them when dealing with subordinates. If the media are written, they don’t care about typos at all. The subordinates use the media that are imposed on them, and if the media are written they certainly don’t want something with typos coming from them to reach their bosses. It would make them look bad.

The final result is this. Subordinates experience significant information overload, particularly in high power distance organizations. They also experience significant stress. Work quality and productivity goes down, and they get even more stressed. They get fat, or sickly thin. Their health deteriorates. Eventually they get fired, which doesn’t help a bit.

What should you do, if you are not the boss? Here are some suggestions:

- Try to tactfully avoid letting communication media being imposed on you all the time by your boss (and others). Explicitly state, in a polite way, the media that would be most convenient for you in various circusmtances, both as a receiver and sender. Generally, media that support oral speech are better for discussing complex ideas. Written media are better for short exchanges. Want an evolutionary reason for that? As you wish: Kock (2004).

- Discuss the ideas in this post with your boss; assuming that the person cares. Perhaps there is something that can be done to reduce power distance, for example. Making the work environment more democratic seems to help in some cases.

- And ... dot’n wrory soo mach aobut tipos ... which could be extrapolated to: don’t sweat the small stuff. Most bosses really care about results, and will gladly take an email with some typos telling them that a new customer signed a contract. They will not be as happy with an email telling them the opposite, no matter how well written it is.

Otherwise, your organizational demise may come sooner than you think.

References

Carlson, P.J., & Davis, G.B. (1998). An investigation of media selection among directors and managers: From "self" to "other" orientation. MIS Quarterly, 22(3), 335-362.

Hofstede, G. (2001). Culture’s consequences: Comparing values, behaviors, institutions, and organizations across nations. Thousand Oaks, CA: Sage.

Kock, N. (2004). The psychobiological model: Towards a new theory of computer-mediated communication based on Darwinian evolution. Organization Science, 15(3), 327-348.

Kock, N. (2005). Business process improvement through e-collaboration: Knowledge sharing through the use of virtual groups. Hershey, PA: Idea Group Publishing.

Kock, N., Del Aguila-Obra, A.R., & Padilla-Meléndez, A. (2009). The information overload paradox: A structural equation modeling analysis of data from New Zealand, Spain and the U.S.A. Journal of Global Information Management, 17(3), 1-17.

Wednesday, December 15, 2010

Individual plan open enrollment for kids ends Dec. 15

If you want to buy an individual health plan for your child this year, or add your child to your individual plan, or if you’re an emancipated minor looking for an individual health plan, the 2010 open enrollment ends today. Kids still can get coverage through the Washington Health Insurance Pool and, if they qualify, from the Pre-existing Condition Insurance Plan.

We'll announce enrollment options for 2011 in the next few weeks.

New consumer protections under the Affordable Care Act prevent all health plans from discriminating against children because of a pre-existing condition. However, special enrollment periods are allowed. Washington state’s 2010 individual plan open-enrollment period was Nov. 1-Dec.15. During this time, children under age 19 could enroll in an individual health plan without having to take a health screen.

Insurance Commissioner Mike Kreidler created the special open enrollment period through a rule. After today, children under age 19 can get coverage through the Washington State Health Insurance Pool (WSHIP), or if they qualify, through the new Pre-existing Condition Insurance Plan (PCIP-WA). To enroll in PCIP-WA, you must have been uninsured for at least six months and have a pre-existing medical condition. There are some exceptions where parents can apply for coverage anytime in the individual market, such as the birth or adoption of a child or if a child or the parent:

■is no longer eligible for a state program.
■loses coverage due to a divorce.
■loses employer-sponsored coverage.
■moves and their plan is not available in where they live.

If you have questions about how to find health insurance or if you need help understanding your rights, call us at 1-800-562-6900 or read our health insurance page.

Tuesday, December 14, 2010

Wind damage and insurance

High winds swept through western Washington last night, with peaks of 70 mph in Hoquiam, 62 at Alki Point, 54 at McChord Field and 43 in Puyallup. (Here's a National Weather Service map of the winds and list of other cities' wind speeds.)

Power was knocked out for thousands of people, according to the Seattle Times, and there were downed trees throughout the area: 3 trees fell on one brick home in Seattle, a falling tree killed a woman in her mobile home in Kitsap County, and firefighters in Snohomish County freed a man trapped in his home by a fallen tree.

All of which brings us back to a frequent topic this time of year: winter storms and insurance. We've posted a long list of questions and answers online, including things like:

-Is your car covered if tree limbs fall on it?
-Will insurance pay to clean up all that tree debris in your yard? (Sorry; no.)
-What if your boat in the marina sank in the high winds?
-What if the power surge killed your TV?

...and much, much more. Take a look, and if you have questions or are having trouble getting a claim paid -- and you're a Washingtonian -- call us at 1-800-562-6900. We're the state agency that regulates insurance in Washington state; we'll try our best to help you.

Monday, December 13, 2010

Flooding and insurance: What to do

We're starting to get calls and emails from folks who sustained flood damage from this weekend's heavy rains. Here's some advice about what you can do if you're trying to clean up:

-Document the loss. Take photos, notes, video, etc.
-Contact your insurer as soon as possible. Be aware that standard homeowners coverage does not cover flood damage. But you may have flood coverage without knowing it -- in flood-prone areas, it's often required in order to qualify for a mortgage.
-Mitigate the damage as best you can. Get furniture and belongings up out of the water if possible. Shovel or squeegee mud and water out. Start drying things out.
-Create a paper trail. If you rent a pump, save the receipts. If your electrical system's damaged and you have to move to a motel temporarily, save those receipts.
-Where practical, avoid throwing out damaged items. The adjuster may want to see them.

Also: Standard flood coverage generally doesn't cover basement improvements, like finished walls or floors, or furniture or personal belongings in a basement. It does, however, cover essential equipment like your furnace and water heater.