Feb 24

Healing Yourself After Injury, Illness, or Surgery

During the year or two after surgery or treatment for a serious medical problem, many people find they need help to feel better emotionally and physically but don’t know where to turn. In You Can Heal Yourself (St. Martin’s Paperbacks, 2012), Dr. Julie Silver, assistant professor of physical medicine and rehabilitation at Harvard Medical School and chief editor of books at Harvard Health Publications (which publishes Harvard Women’s Health Watch), details practical steps you can take for optimal healing. Her recommendations are based on research and, says Dr. Silver, “years of listening to my patients tell me what helps them and what doesn’t.” We talked to her about some of the ideas behind You Can Heal Yourself.

Why did you write this book?

When I was in my 30s, I was diagnosed with breast cancer and went through treatment and was really sick. When I was done with treatment, I was told to go back to work, but I was too sick to go back to work. At the time, cancer rehabilitation wasn’t an option where I’d been treated, and I had to figure out how to heal myself. One of the biggest obstacles is that it can take a long time. Insurance doesn’t always pay for treatments, and there aren’t always enough resources. So people really are left to heal on their own.

You say “cancer rehabilitation.” What is that?

For every serious illness or injury except cancer, people are offered rehabilitation medicine interventions — physical therapy, for example — provided by board-certified and licensed professionals and covered by insurance companies. But if you ask most cancer survivors if they were ever offered rehabilitation, if there was ever a team that got together to help them recover, the answer for the most part is, no, they figured it out on their own. So there’s this huge gap in cancer care.

So what does cancer rehab look like?

It looks like a lot of other rehabilitation. Let’s say someone has had a stroke. You wouldn’t say, “Well, go to a yoga class or to an exercise class!” So we’re talking about physiatrists [physicians who use nonsurgical approaches to reduce pain and improve function], physical therapists, occupational therapists, speech and language pathologists, and other rehab professionals. For example, research has shown that people with head and neck cancer often stop driving during treatment and never start driving again. That’s usually because they have range-of-motion issues in the neck. They can’t turn their heads, they can’t work, they can’t be out in the community. But from a rehabilitation medicine point of view, that’s a very simple fix. There are a lot of interventions to help with that.

You talk about “the Healing Zone.” What is that?

That’s a place where you’re recovering [from illness, surgery, or treatment] and you can work toward healing goals. But it’s also a place where people can get stuck and not heal as well as possible, instead accepting a higher level of pain, fatigue, disability, or emotional distress than they need to. In cancer, there’s this saying, “Accept the new normal.” And what I always say is, “Don’t accept a new normal too soon.”

You say the first step is to listen to your healing voice. How do you recognize it?

Most of us learn not to pay too much attention to every ache and pain and change, lest we become hypochondriacs. And it’s a good strategy. You can’t be constantly focusing on every little aspect of how your body feels. But when you’re trying to heal, you have to start paying attention. You need to start saying, “Okay, what is my body really telling me, and how do I need to work with it?” Fatigue is a good example. When am I tired? Am I tired first thing in the morning? If so, there’s a good chance I didn’t sleep well last night, because sleep should restore me. If I feel great in the morning but hit a low point midday, what was my diet like? Did I really nourish my body to feel good midday? The same goes for pain. Where is it? What does it feel like? What makes it better, what makes it worse, how long does it last, and so on. In the book, I tell people to keep a three-day log of activities and when they have pain and fatigue — the two main symptoms that keep people from functioning as well as possible. It gives them so much insight and really helps them figure things out.

What are the biggest obstacles people face as they heal?

One of the biggest obstacles is understanding that you need to set aside time and energy for healing. I ask people, “What are your most important healing goals?” And they’ll say, “I’d like to be able to walk a mile,” or “I want to lose 10 pounds,” or “I want to sleep through the night.” Then I’ll ask, “What three things did you do last week to accomplish your most important healing goals?” And they start laughing. They realize there’s a mismatch between their to-do list and the things that are most important to them. It’s true for everyone. We say something is really important to us, but along come chores, errands, work, and other things — and all of a sudden, we haven’t done anything about our most important goals.

How do you make time for healing?

You can take a rehab approach, which is short-term and long-term goals. What can I accomplish today or in a week? What can I accomplish in a month or two? Just try to achieve those goals. You may fall short. And that’s also important, to understand that just because you don’t reach a goal doesn’t mean it’s a failure. It just means you need to reset that goal or re-evaluate or change it.

What do you say to encourage people to keep trying?

I share with them how healing works. It doesn’t work in a linear way, where you’re sick, and then better, better, better, done. There are lots of zigs and zags, where you get better — two steps forward, one step back — or you plateau. Healing plateaus and setbacks are totally normal and expected. Health care providers understand that, but patients get upset because they may not see how well they’re doing. All they see is this setback or that plateau. Sometimes you can’t see your progress, it can be so subtle. But then you need to look back and ask, “Where was I a month ago?” Short-term successes lead to long-term success. When you can change the conversation from failure to success, it’s huge in terms of an understanding and commitment to doing more.

Feb 24

NYC man guilty of assault in subway-train injury

NEW YORK — A man accused of shoving a woman into the side of a moving New York City subway train has been convicted of assault.

Jose Rojas’ (ROH’-hahs) was acquitted Friday of attempted murder.

The prosecution had alleged that Rojas walked up to victim Ute (OO’-tah) Linhart on a subway platform and pushed her into a train as it rushed into a station in August 2010.

Both sides said Rojas was drunk from downing beers after work.

The defense said Rojas stumbled into Linhart.

The impact hurled the German-born Linhart back toward the platform. She suffered broken ribs and other injuries.

Rojas faces up to 25 years in prison. His sentencing is set for March 16.

 

Feb 24

Lawmakers put changes to workers’ comp on ice, mostly

PHOENIX — State lawmakers are tinkering with the way workers’ compensation operates, but some of the more drastic proposed changes to the system have been put on the back burner, at least for now.

State Rep. Karen Fann, R-Prescott, knew she was facing an uphill battle in passing legislation designed to streamline workers’ compensation, but she decided to push the programs anyway because she says the system needs reform.

The first-term lawmaker said the ideas in her package of three bills heard earlier this month in the House Banking and Insurance Committee have been proposed in past years. However, each time legislators examined the types of reforms she is looking for — including cutting down on workers’ compensation fraud, allowing state and municipal governments to enter into agreements with directed care medical provider networks, and making sure the system covers only “evidence-based medicine” — the proposals were kicked down the road.

But Mike Colletto, director of legislative affairs with the Professional Firefighters of Arizona, said the reforms haven’t been implemented before because they’re bad policy. He has been involved in stakeholder’s meetings on proposed workers’ compensation legislation since the 1980s and opposed the efforts.

“There have often been stakeholders meetings in the past and the Legislature chose not to move forward with it because they saw the reasons not to,” Colletto said. “That’s the reason that it gets so-called kicked down the road, because once they fully reviewed the ins and outs of this complex system, they saw the balance of rights and responsibilities they chose not to move forward.”

Even other Republicans said the sponsor put a lot on her plate with the highly technical, big-change bills.

“Representative Fann, boy, you really know how to bite off a big apple, that’s for sure,” said Rep. Carl Seel, R-Phoenix, during a Banking and Insurance meeting Feb. 6.

One bill (HB 2368) tries to combat fraud in the workers’ compensation system by authorizing insurance carriers and employers processing a workers’ compensation claim access to contribution and wage reports to verify income.

The bill also increases payout for an unemployed person seeking benefits by implementing a modified index for calculating average monthly wages, and allows an injured employee to pursue remedy against the person who further aggravated the employee’s previously accepted industrial injury.

Supporters say the system contains no fraud prevention method now, and allowing insurers and employers to access outside information regarding employment and income will allow them to better combat fraudulent claims. The modified index, supporters say, is a more stable way to calculate wages that doesn’t dip and soar with employment shifts.

The bill was the only one of the three to make it out of the committee, and it now awaits a full vote by the House. Before becoming law, the bill would also need approval from U.S. Department of Labor to allow insurers and employers to access wage reports.

Under another bill (HB 2365) workers’ compensation providers would have to use American College of Occupational and Environmental Medicine’s (ACOEM) occupational medicine practice guidelines to establish evidence-based treatment practices for workers’ compensation cases.

Dr. Mitchell Lichton, a hand surgeon, told the committee that he looked at the ACOEM’s book, and looked up the section about his practice. While it might be good for a new doctor as a guideline, he said it simply isn’t extensive enough as a list of accepted treatment.

“They have here 20 hand wrist and form disorders, of which they will tell you how to treat,” he said. “Instead of going to 11 years of school after high school, I could have learned those 20 and probably been pretty good at it. There’s a lot more than that.”

The third bill (HB 2367) proposed the biggest changes in workers’ compensation and would allow state and municipal governments to enter into medical care networks to provide their workers’ compensation coverage. If the employer decided to use a medical care network, workers would have their option of doctors limited to doctors within that network.

The Arizona Chamber of Commerce and Industry supported the bills, and its lobbyist, Marc Osborn, said allowing state and municipal governments to use medical care networks for workers’ compensation will make the system easier and cheaper, and will allow employers to drive down rates.

“The whole idea is you can provide care in a much more streamlined, cost effective way,” Osborn said. “On behalf of the privately insured, we’ve seen huge benefits. Things like being able to get our employees into a physician in a much quicker manner, which means their injuries get taken quicker, which means they get back to work, and we’re able to negotiate aggressive rates with those providers.”

Detractors agree the networks will drive down costs, but they say the savings will come at the expense of workers, who will have limited options in their doctors and who will use workers’ compensation less.

“I’ve heard today this is going to drive down costs,” said Barry Aarons, a lobbyist for the Arizona Association of Chiropractic and the Injured Workers Pharmacy. “Oh yeah, it’s going to drive down costs — it’s going to drive down costs by driving down utilization. That’s the only way that they have to drive down costs.”

Aarons said the measures are too draconian and he likened using these bills to try to cut down on excesses in workers’ compensation to trying to kill a mouse with a gun meant for an elephant – “You’re going to succeed in killing the mouse,” he said. “But you’re going to have an awful lot of collateral damage on the side.”

Opponents also argue that the proposed changes would constitute a reduction of benefits, which the state constitution says would require voter approval through a referenda.

Article 18, Section 8 of the Arizona Constitution, which established the workers’ compensation system, reads: “The percentages and amounts of compensation provided in house bill no. 227 enacted by the seventh legislature of the state of Arizona, shall never be reduced nor any industry included within the provision of said house bill no. 227 eliminated except by initiated or referred measure as provided by this Constitution.”

Rep. Debbie McCune Davis, D-Phoenix, worried the legislation would make it harder for rural Arizonans to get access to treatment in areas where networks aren’t as robust as they are in bigger cities.

Committee chair Rep. Nancy McLain, R-Bullhead City, was concerned the legislation did not provide an opt out option for employees, as she is required to do with the employees of her janitorial service company.

Because of these concerns and more, Fann decided to ask the committee to hold the last two bills, and they have not had a hearing since. Opponents of the bills plan to keep a lookout for similar proposals to surface in the Senate.

Feb 24

Workers’ comp ‘tax’ an increasing burden

A state surcharge paid by employers to fund New York’s workers’ compensation system is the highest in the nation, putting municipalities under the new tax cap between a rock and a hard place, a new study concludes.

The Workers’ Compensation Policy Institute on Wednesday announced its findings: that a surcharge paid by all employers in addition to their insurance premiums is roughly five times higher than the national average.

And, the institute says, much of that has happened in just the last two years, when the “tax” known as an assessment on insurance premiums was raised by 10.4 percent and 27 percent, respectively.

“This tax burdens all employers — and municipal employers feel this mandate especially acutely as they struggle to provide essential services and contain taxes,” Paul Jahn, executive director of the institute, said.

Workers’ compensation insurance is mandatory in New York — where there is no cap on individual claims — meaning the state system is sometimes described as a “risk pool” for businesses who don’t deal with a private insurer. All employers, however, pay the surcharge.

Thirty-two other states impose a similar “tax” with an average surcharge hovering around 4 percent.

In New York state, that percentage is 20.2 percent.

The next highest state tax can be found in Minnesota, at just 8.9 percent.

“The assessments that we pay to the state are based on our self-funded claims, and that has been going up exorbitantly,” City of Tonawanda Treasurer Joe Hogenkamp said.

But, he said, thanks to a little luck, the city’s current number of open claims is small. He said it hasn’t allowed the state payments to exceed past highs, and despite budget constraints, workers’ compensation costs aren’t currently to blame for any budget gaps.

“A lot of it is luck,” he said.

The city had 27 open claims at the end of 2010, though just eight actually occurred that year, as the number of claims is an evolving list year to year.

To get an idea of that, that means the city is self funded and pays out of pocket for comp claims up to a point, before insurance takes over. The stop loss figure varies, but is roughly a little more than $200,000,  Hogenkamp said.

Of the 27 open claims in 2010 (which simply indicate an injury not a loss of manpower) the city’s insurance carrier valued them at a net $851,000.

As an example of the budgetary impact, he said the city that year budgeted $725,000 to maintain adequate reserves to pay for current and future workers’ comp claims.

Around the same time, in 2011, the city paid a total of $30,000 in state assessments into the system — a number that today would increase along with percentage increases in the state’s assessment rate.

If the city is hit with a high number of claims, the figure could quickly come to impact year to year budgets in a big way, especially since a new state law largely bans tax levy increases of more than 2 percent to otherwise backfill the potential costs.

“New York’s municipalities now find themselves caught between a rock and a hard place,” reads a statement accompanying the latest report by the policy institute. “Their ability to raise revenues is constrained by the 2 percent cap on property tax … the additional increase of the hidden tax on workers’ compensation premiums complicates an already difficult situation and cannot be sustained long term.”

Over in the private sector, North Tonawanda’s Taylor Devices, a publicly traded firm manufacturing all manner of industrial shock absorbers, has had its run-ins with a workers’ compensation system that’s failed in recent years.

While the company, according to President and CEO Doug Taylor, has a favorable claim history, it was forced to settle for a large sum in 2008, after an Albany-based cooperative insurance carrier they had been using went belly up.

Such insurers acting in cooperation with one another had been recommended by the state to companies looking for an answer to high state premiums, but have been the subject of justifiable criticism in recent years, in some cases for  being underfunded and risky.

When the insurance cooperative went bankrupt, companies like Taylor were left to settle or hold the bag — potentially for millions in unpaid claims not even related to the company — since a “joint and several” stipulation of the policy required them to inherit liability for all of the carrier’s clients in the event they went under.

Taylor said since then, his company has secured a dedicated, private policy covering workers’ compensation, but that many new businesses without a demonstrated claim history or businesses with a large claim history may be forced to use the more expensive state system.

Such private insurers are increasingly hard to find in New York, he said. But, Taylor’s Chief Financial Officer Mark McDonough said if enough employers have since found similar dedicated, private policies, it could at least partially explain the state’s explosion in assessment surcharges.

Feb 22

Comp awarded when worker’s bulky brace blocks vision, causes fall

In Indiana, a subsequent injury resulting from a worker’s blocked vision due to his wearing a bulky medical device for his compensable injury can be compensable.

Case name: Moorehead Electric Co., Inc. v. Payne, No. 93A02-1105-EX-457 (Ind. Ct. App. 12/29/11).

Ruling: The Indiana Court of Appeals held that a worker was entitled to benefits for the reinjury of his shoulder.

 

What it means: In Indiana, a subsequent injury resulting from a worker’s blocked vision due to his wearing a bulky medical device for his compensable injury can be compensable.

Summary: A worker injured his shoulder during the course of his employment for an electric company. The company provided him with benefits and authorized two surgeries. The worker was instructed to wear a bulky shoulder brace 24 hours per day. The worker was attending a wedding reception when an individual carrying a rod with a large bag walked toward him and wedged himself between the worker and his wife. To avoid being struck by the rod and bag, the worker stepped to the right. His foot hit a raised grate surrounding the base of a tree, causing him to fall and reinjure his shoulder. The worker’s shoulder brace blocked his view of his foot and the raised grate on the sidewalk. The worker had a third shoulder surgery. The company refused to pay workers’ compensation benefits for the third surgery and additional disability benefits. The Indiana Court of Appeals held that the worker was entitled to benefits.

The parties did not dispute that the worker’s initial shoulder injury arose out of and in the course of his employment. The company argued that the causal connection between the original work accident and the second incident was broken by an intervening act of the individual forcing the worker to quickly move out of the way to avoid being struck by the individual and the rod and bag he was carrying. The court disagreed, finding that the reinjury was a proximate cause of the original injury.

The court found that the worker’s ability to walk was impeded by the bulky shoulder brace he was required to wear. The brace contributed to his fall. The court also concluded that the worker was not negligent when he stepped to the side to remove himself from the individual’s path.

Read more at the WorkersComp Forum homepage.

 

Feb 22

Can Workers Comp. Board leave Albany?

A sharp reader pointed out a potential problem in the state’s plan to relocate the Workers Compensation Board from its offices on Park Street in Albany to 328 State Street in Schenectady: the law dictates that its “principal office” must be in Albany.

Here’s the relevant section of law:

§  146.  Offices of the board. The principal office of the board shall
  be in the city of Albany.  There shall be also an office in the city  of
  New  York  and  at  such  other  place  or places in the state as may be
  required properly and conveniently  to  transact  the  business  of  the
  board.  The  board may meet and exercise any or all of its powers at any
  place in the state.

The e-mail from WCB Executive Director Jeffrey Fenster announcing the change to employees makes note of this, saying the Board “will continue to maintain a presence in the City of Albany.” But a paragraph earlier in that missive, which we posted yesterday, Fenster describes a move of WCB’s “primary administrative offices” to Schenectady. I’m unclear how this will be reconciled, and exactly what the “presence” will entail. For example, whether Fenster will remain in Albany.

Fenster referred a call to his spokesman, who e-mailed this statement in Fenster’s name, and wouldn’t elaborate further about that “presence.”

“Any move being considered by the Board is in compliance with existing law and regulations,” Fenster said. (Phew.) “Further, any move will result in significant cost savings to the state. Additional details will be provided in the future when the move is finalized.”

Feb 10

Torn ACL bad news for Ballard

NEW ROCHELLE, NY — Jake Ballard was hoping it wasn’t serious when he went down with a left knee injury in the fourth quarter of the Super Bowl.

After the 21-17 win, he was initially encouraged to hear that the feeling was he injured his meniscus.

But after undergoing an MRI, the tight end got much worse news with a torn ACL.

“I was pretty surprised,” Ballard said after an autograph signing for Steiner Sports. “[After] the MRI, the doc came in with a look on his face and I just knew it wasn’t my meniscus. So it was pretty frustrating.”

General manager Jerry Reese said Ballard and tight end Travis Beckum will likely start the 2012 season on the physically unable to perform list. Beckum tore his ACL in the Super Bowl as well.

“Six-to-eight months and they’re going to try and make it for the beginning of the season but if not a good chance at PUP,” Ballard said of an optimistic timetable for recovery. “I definitely don’t want to go out there too early and hurt it again so if I get eight, nine months to prepare, I’m fine with that.”

Clint Sintim came back too early and he might not have been ready and he hurt it again,” Ballard added of the linebacker who tore his ACL in the preseason after tearing his ACL in December of 2010. “So we’re going to play it by ear and I’m going to bust my butt to try and make it by the beginning of the season.”

Both Beckum and Ballard will undergo surgery on Feb. 21. It was a bittersweet ending to a breakout season for Ballard. He emerged as Eli Manning’s top tight end, replacing Kevin Boss.

But Ballard injured his right PCL late in the season and fought through it in the playoffs.

Tearing his ACL in the fourth quarter of the Super Bowl was painful in more ways than one.

“It’s the biggest game of anyone’s life,” said Ballard, an exclusive rights free agent who will re-sign with the team. “To get hurt in it and can’t contribute in the end when the game’s on the line, it’s like a nightmare. But they came through in the end and we still got that ring.”

Ballard tried to get back into the game and attempted to run on the knee on the sideline before falling in pain.

“Probably the worst pain I’ve ever had in my life,” he said. “But what was I going to do? Not try to go back in?”

Feb 10

Cop’s worker compensation claim sparks RTM debate

The Representative Town Meeting voted by a two-thirds majority Tuesday to settle a worker’s compensation claim of about $35,000 with police Officer Michael Gudzik. That margin, however, belied many RTM members’ dissatisfaction with the processing of the claim.

Gudzik filed a hypertension-related claim with the Police Department in June 2011, an application that was supposed to be forwarded directly to the office of Town Attorney Ira Bloom. But the claim was delivered to Bloom after the state-mandated deadline had passed for the town to contest the claim.

Under state law, the town would not have been able to appeal the claim even if it had been processed expeditiously. Gudzik was guaranteed the worker’s compensation claim because he had fulfilled several criteria, including filing a written notice with the Police Department within a year of the start of his hypertension and obtaining a physician’s diagnosis of his condition.

Several RTM members expressed frustration about the tardiness of processing the claim and the town’s decision not to seek a second opinion on Gudzik’s condition.

“Anyone watching this tonight, hearing that somebody in the Police Department sat on a letter or didn’t forward a letter on a claim, and then the town didn’t even get a second opinion by a doctor, we look like a bunch of fools, quite frankly,” said John McCarthy, District 9. “This is a black eye for the town of Westport.”

Other RTM members had a different view.

“This is a glitch. It’s not a black mark on the town of Westport,” said Richard Lowenstein, District 5. “Something happened, and I’m confident it won’t happen again.”

In an interview Wednesday with the Westport News, Bloom described the tardy filing of Gudzik’s claim as an “administrative mistake.” The failure, he added, is the first time that a town employee worker’s compensation claim had not been delivered on time to his office during his tenure.

“At worst, this was an inadvertent mix-up,” said Police Chief Dale Call. “We know what the process is, and we’re committed to following that process.”

Call, who was sworn in as chief last October, was deputy chief when Gudzik filed his claim and was not involved in the initial processing of the case.

Gudzik was the town’s fourth highest-paid municipal employee last year with total compensation of approximately $143,000. He is still an active member of the Police Department.

The $35,000 settlement reached by the town and Gudzik’s lawyer on the worker’s compensation claim was based on the determination by Gudzik’s doctor that the police officer had suffered between 5 and 9 percent heart impairment because of his hypertension.

While the town normally seeks an independent medical exam for employees’ hypertension claims, it did not ask Gudzik to undergo further medical review because it judged its settlement with him to be an equitable resolution, Bloom said.

The RTM voted 24-4, with one abstention, to approve Gudzik’s claim. Many RTM members, however, called for changes to the town’s review process of worker’s compensation cases.

“I think we definitely need a policy in place to ensure that all hypertension cases regardless of the dollar amount be reviewed by a medical professional representing the town,” said Allen Bomes, District 7.

Bloom said he would consider RTM members’ request.

“You don’t want to be wasteful about expenses associated with these cases,” he added, “but they have a legitimate point that we’ll certainly review on our end.”

Feb 07

Knicks F Anthony out with groin injury

GREENBURGH, N.Y. – (AP) — The New York Knicks say they expect Carmelo Anthony to miss a week or two with a strained right groin.

Anthony was hurt Monday, leaving after six minutes of a 99-88 victory over Utah and continuing an injury-plagued season.

Anthony has missed three games with various ankle, wrist and hand injuries and shot poorly in a handful of others while playing through the pain.

The All-Star forward leads the Knicks with 22.3 points per game.

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Feb 07

Amaxx Details 2012 Workers Compensation Management Program Updates

Workers’  Compensation Costs Can Be Reduced by Implementing Operational Best Practices: Learn How With This New Guidebook.
A company that wants to implement a new workers’ compensation program or revamp an existing system will find this book helpful. Maybe your company has recently expanded and you realize the need to train a workers’ compensation manager or regional coordinators how to hold down compensation costs. Whatever your need, here is the answer: Workers’ Compensation Management Program: Reduce Workers’ Comp Costs 20%-50%.
Used by more than 150 firms across the country, this is THE book to help every employer’ develop a more effective workers’ compensation program with to reduce workers’ compensation costs. It is based on field research and decades of experience in workers’ compensation from all aspects of the business. Best practices are described in detail for each person in the injury process
This easy-to-read manual has been updated for 2012. It now includes:
An index for quick topic look-up so you can view a term or a procedure and see all relevant references.
NEW – Workers Compensation Basics
Purpose of Workers Compensation
Who Pays for Workers Compensation?
Parties Involved in Workers Compensation
Benefits for the Employer
Independent Contractors
Benefits for the Employee
Injuries Covered
Types of Workers Compensation
How Losses are Categorized
How Losses are Reported
Calculating Your Premium
How Mod Effects Your Premium
Good/Bad Mod Example
Five Ways to Reduce Your Mod
NEW – Fundamentals of Cost Containment
Reasons Workers Compensation Costs are High
Who is in Charge?
Work Ability Form Properties
Who is Responsible for Managing Workers Compensation Claims?
Who is Responsible for Managing Workers Compensation Process?
Hidden (Indirect) Costs of Workers Compensation
Additional Costs
Calculating WC Costs
External Obstacles to Cost Control
Internal Obstacles to Cost Control
NEW – Working with Your Adjusters or TPA
Account Handling Instructions
MD Participation
NEW- Reporting a Claim
Critical Issues
Essential Intake Considerations
Nurse Triage
NEW- Directing Medical Care
Occupational Health Clinics
Remote Health Services
Directing Medical Care in California
NEW- Return to Work
What to Include in a Transitional Duty Policy
Non-Profit, Volunteer or Charitable Positions
Employees Who Never Return to Work
Coordinating WC with Federal and State Leave Statutes
NEW – Other Indemnity Cost Containment Services
Telephonic Disability Intervention
NEW – Medical Cost Containment
URAC Certification
Mental Health RNs
Chronic Pain Programs
An Aging Workforce
At Home Recovery Services
Medical Fee Schedules
Fee Schedule Coding
ICD-9 and CPT Codes

NEW- Physical Therapy and Physical Rehabilitation

Differences between Physical Rehabilitation Programs
Pharmacy Benefits Management Program
Authorized Drug Formulary
Toxicology Screening
NEW – Fighting Fraud and Abuse
Medical Terminology Used to Identify Malingering
Reviewing Investigation Reports and Videos
Avoid good Day/Bad Day Syndrome
NEW – Claims Resolution and Settlements
Conditional Payment and Final Demand
Pharmacy Component of MSA
California Settlement Process
A 183-page guide covering how to assess your workers compensation program, design program materials, roll out a program to the organization, and monitor and manage the program once implemented.
Written by a national expert on workers compensation cost containment with over 25 years experience helping companies reduce their losses 20% to 50%.
T. Ronca, a workers’ compensation defense attorney from Long Island, NY, said the book is an invaluable desk reference. “It is one of the tools that should never be out of reach for a risk manager. Direct employer involvement with claims in the first weeks is the difference between success and failure. This manual will guide the conscientious employer through the pitfalls,” Ronca said.
What’s more, the book can be delivered with your company logo on the cover and a full-color ad for your company on the back cover.Take it out to the field. Text tabs are available to put on each chapter and it is ready to go as your company training manual. All you will have to do is customize the Training Agenda that is in Part I of the book.

Included in the manual are topics such as: Return to work and transitional duty, claim reporting, employee communications, controlling fraud and abuse, directing medical care, medical cost containment solutions, post injury response procedures, reporting procedures, working with your carrier and third party administrator. There is information about physical therapy, pharmacy benefits management programs, training supervisors and gaining management commitment. It also contains concepts of claim settlement and resolution as well as safety and loss control. New areas are identified above.
There are 5 sample worksheets in the manual to help organize an efficient workers’ compensation program. These include: timetable for implementation, the injury coordinator job description, and several sample roll-out letters. We recently received a terrific phone call from a third-party administration firm saying how the manual provided an organized way to train clients at loss prevention and has helped their clients put “layers of better WC management” in place. Everyone benefited.
One large distribution firm wrote to us to say the chapter on safety and loss control led to a company-wide safety change that only cost a few hundred dollars but prevented a specific type of injury that had been draining its budget, says Rebecca Shafer, Esq., President of Amaxx Risk Solution, Inc. who authors the book. Shafer is a national expert on workers’ compensation cost containment with more than 25 years of industry experience helping many companies reduce their losses 20-50%.
When you order your copy of Manage your Workers’ Compensation Program from Advisen at http://corner.advisen.com/wcbooks, the 183-page guidebook shows how to assess your program, design program materials, roll-out a program to the organization, and monitor and manage the program once implemented.
The workbook is also available with a customized front and back cover for bulk purchases. Discounted rates apply to bulk orders.
One company said, “After reading the manual, we took a look at past workers comp practices and saw that every department did things differently. Manage Your Workers’’ Compensation Program 2012 gave us the guidance we needed to standardize our workers’ compensation programs across the country. It was like a pre-prepared lesson plan,” according to the risk manager.
A regional hospital in North Dakota wrote that, “Our small company expanded rapidly and we actually didn’t have any official workers’ compensation program in place. This manual gave us step-by-step procedures from the first meetings with management to monitoring the final program. Buying and reading the book was almost like hiring another employee – one who was an expert in workers’ compensation.”
Who Uses the Workers’ Compensation Book?
Risk Managers and Workers’ Comp Managers find it useful learning about the cost containment niche and use it for themselves and to bringing new team members up to speed very quickly. The book becomes a “lesson plan” tool.
Safety Directors use the book to train supervisors in workers’ compensation claims management. They learn more about their area of responsibility — post loss cost containment — adding to their overall knowledge. The also learn what to do after an injury and what steps are supposed to take place during the first 24 hours.
Brokers use it for prospects, as well as, to learn about specific aspects of cost containment, passing their knowledge on to their clients. For example, when discussing how to develop a return-to-work program and a client asks about, “off-site return-to-work programs,” the broker quickly finds the relevant section in the book, reviews it and passes the answer on to the client, along with a copy of the cost containment book with the broker’s logo.
Adjusters use the book to gain a better understanding of the employer’s perspective. Adjusters also want to learn more about cost containment to add to their overall workers’ compensation knowledge in order to grow their careers and stay abreast of new services.
Account Producers give the book to prospects during formal presentations to illustrate their company is on top of the workers’ compensation industry. The book makes an excellent client gift.
Vendors such as doctors, physical therapy networks, occupational clinics and medical management firms learn how their service might fit into the workers’ compensation marketplace, what is important to employers, and what they look for in medical services to enable the vendors to enter the workers’ compensation marketplace.
The manual is a cost-cutting tool to learn more about systematic and operational techniques for reducing workers compensation costs.
Author Rebecca Shafer, JD, President of Amaxx Risk Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker, and publisher. Her expertise is working with employers to reduce workers compensation costs, and her clients include airlines, healthcare, printing/publishing, pharmaceuticals, retail, hospitality, and manufacturing. She is the author of the #1 selling book on cost containment, Workers Compensation Management Program: Reduce Costs 20% to 50%. Contact: RShafer@ReduceYourWorkersComp.com.
2012 NEW WORKERS COMP MANAGEMENT GUIDEBOOK:  www.WCManual.com
WORK COMP CALCULATOR:  www.LowerWC.com/calculator.php
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2012 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact us at: Info@ReduceYourWorkersComp.com.

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