Your workers’ underlying health can greatly affect the amount of time they are off the job recovering from a workplace injury.
Employees with pre-existing health issues like hypertension, obesity and mental health spend 60% more time recovering from workplace injuries than healthy workers, according to a study by Newport Beach, CA-based Harbor Health Systems.
These underlying health issues affect the cost of claims, increase temporary total disability (TTD) days, recidivism (aggravating of the original injury), and lead to more litigation and surgery, according to the industrial injury clinic’s analysis of 7,000 injured worker cases it handled.
The longer it takes for a worker to recover and return to work, the more expensive the claim becomes, which can affect the employer’s future workers’ comp premiums.
The findings illustrate the importance of trying to keep your employees healthy through wellness programs and access to health insurance to control their conditions.
The study looked at seven comorbidities:
Tobacco use, and
Multiple comorbidities (more than one of the above)
The two comorbidities that have the greatest impact are multiple comorbidities and obesity, followed by addiction, mental health and hypertension, with diabetes and tobacco having the lowest impact.
Relationships between comorbidities — such as the link between obesity and diabetes – can exacerbate complications and health risks. The age of the injured worker is another factor that is associated with comorbidities and can complicate the management of a claim.
Duration and cost
For claims involving multiple comorbidities, claim duration increased by 76%.
For claims involving addiction, duration increased 67%.
For claims involving obese individuals, duration increased 55%.
For claims with multiple comorbidities, total incurred costs rose by 341%.
Claims in all the comorbidity groups had significantly higher TTD days compared to the control group.
TTD days increased by 285% for multiple comorbidities claims, and 274% for addiction-related claims.
Litigation rates for claims with multiple comorbidities are 147% higher compared to claims with no comorbidities.
Litigation rates for claims of injured workers with an addiction are 224% higher.
Litigation rates for claims of injured workers with mental health issues are 248% higher.
You can encourage your employees to improve their health through company wellness plans and ensure that they have access to health insurance to treat their medical issues.
Claims management experts say that insurance company adjusters need to intervene early in cases for injured workers with these comorbidities.
BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists (we cover the tri-state area) that represent 50+ companies and all the BEST general & umbrella liability programs! We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health. We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are there and will help you!
BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help! We have special programs for: Auto Service, Contractors, Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.
BGES Group offers all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care. When was the last time you got a complete check up for all your coverage needs? We are extremely caring and would love the chance to help you with your personal insurance needs.
BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!
Go read our “Google Reviews” and see what people have to say about us! That can give you the comfort level needed to contact us.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.