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National Workers Compensation & Disability Program

National Workers Compensation & Disability Program

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Michigan Self-Insurers' Association - www.michselfinsurers.org
MSIA 2011 Spring Conference Presentation

National Workers Compensation & Disability Program
Ray Gagne Presentation
www.Fit2wrk.com
Michigan Self-Insurers' Association - www.michselfinsurers.org
MSIA 2011 Spring Conference Presentation

National Workers Compensation & Disability Program
Ray Gagne Presentation
www.Fit2wrk.com

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Published by: Michigan Self-Insurers' Association on Jun 11, 2011
Copyright:Traditional Copyright: All rights reserved

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06/13/2011

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An Integrated Approach«
It is no mystery that there are significant costs and loss time associated with softtissue injuries in the workplace. Sprains and strains account for 
41percent
of allworkplace injuries and illnessesrequiring days away from work.The musculoskeletaldisorders or MSD¶s as they are called in the Industry, aredifficult to assess and ultimately are handled differently by providers across thecountry. With little standardization and consistency of care delivery, the outcomesare varied from one provider to the next.The solution is the development of anintegrated approach that manages and reduces risk throughout the continuum of care.
 
S
tatistics
1
. Employees out of work for more than
12
weeks with a work-related injury
havelessthana50percentchanceofreturningtowork
.
(HartfordStudy)
2
. Musculoskeletal disorders (MSDs) cost the U.S. economy between $
13
and $
15
billionannually ending in a total cost of employee disability which adds up to 6.
3%
of totalUnited States payroll
(Watson Wyatt Worldwide and the Washington Business Group on Health,
2001
).
3
. An employee who files a WorkerCompensation(WC) claim for lost time
is twice aslikely
to file another WC within
3
years4.
2
6
%
of employees with a prior WC claim who remained employed with the sameemployer are
more likely to file another claim
with employer 
5
. The
2
nd claim filed for this employee has more than a
50%
chance of being a back injury6. Over the past three years, workers' compensation costs have increased an average of 
50
percent and currently account for $.67 of every dollar spent on casualty insurance. Average Industry wide costs per type of injury are as follows;
Upper Extremity 
:
The average days lost for an upper extremity injury is 6
1
 with an average cost of $
1
4,7
00
Back :
The average days lost to a back injury is
32
with a cost for one of between $
18
,9
00
and $
2
4,9
00
 

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