Apr
24

Funday Friday

This drug may work, then it won’t…testing is ramping up, then it isn’t…we’re going to open up!…then we’re not.

I’m as frustrated and tired of this mess as you are. So, time to bring some joy into the world…

You think you have it rough?

This is Suzie, one of our two Newfoundlands, exhausted after a tough morning cleaning dishes.

And here she is trying to wake my wonderful bride…Deb’s not having it.

Finally, for my friends and colleagues in Florida, California, and other points south – rejoice – you aren’t  here in New York’s Finger Lakes…this was yesterday.

But don’t lose hope…there’s this…


Apr
23

COVID19’s impact on workers’ comp – claim type

While we’re still wrapping our heads around COVID19, it is increasingly clear the pandemic will have implications for the workers’ comp industry that are deep and broad.

Perhaps the most important is the change in claim type.

Historically, 95% of workers’ comp claims were injury-related.

That’s about to change.

While still in flux, the number of states where workers in specific industries that contract COVID19 will be covered by workers’ compensation has hit the double digits, with more considering legislation every day.

Multiple states including IL, CA, KY, AL, WI, MN, NY, NJ, UT, PA, and OH have either adopted broader interpretations of presumption via executive order or legislation or are considering pending legislation. First responders, health care workers, employees of grocery stores and child care centers are examples of workers whose COVID19 infections may be presumed to be occupationally-based (different states include different professions).

Couple that with a national infection count that will almost certainly increase as testing finally appears to be ramping up, and the result will be a lot more disease-based claims.

At the same time, the national shut-down is drastically reducing the number of new injury-based claims – while keeping past claims open longer than normal because patients can’t access care, have their cases adjudicated and/or don’t have jobs to return to.

Everything claims-related has been oriented around injuries; claims intake, medical guidelines, investigation and compensability determination, network physicians and ancillary providers, clinical oversight, bill review, disability rating and determination.

With COVID19 claims certain to become more and more prevalent, the entire workers’ comp ecosystem will have to adapt, and do so rapidly.

Meanwhile, employers and insurers must find ways to get current patients into providers to get treated, get evaluated, and get better. While many have begun to adopt telemedicine, those efforts must be exponentially increased.

With the dramatic drop-off in new injuries, payers should be using claims staff’s down time to connect patients with providers, get telerehab started, schedule appointments out in the future so their patients are first in line when in-person care is back on line.

What does this mean for you?

Seven weeks into this, it’s time to plan for the new reality.


Apr
22

COVID19 Update – what we KNOW now

Social distancing works.  Hydroxychloroquine doesn’t. Remdesivir might.  A lot of “tests” may be wrong…Just because you’ve had COVID you may not be immune to future infection.  And COVID19 may lead to long term health problems.

Social distancing works. 

A study showed social distancing significantly reduces infection risk:

estimated that current social distancing measures will reduce the average contact rate among individuals by 38% “Social distancing saves lives but comes at large costs to society due to reduced economic activity… the economic benefits of lives saved substantially outweigh the value of the projected losses to the U.S. economy.”

Hydroxychloroquine and variations thereof are no cure.

It’s becoming increasingly clear that Hydroxychloroquine and its various versions are no COVID19 cure. One study (that has NOT been peer-reviewed) showed more veterans with COVID19 that took the drug died than those that didn’t. Another study found no difference in outcomes for patients that took the drug and those that didn’t. The drug can have deadly side effects. [my March 27 post has a lengthy and citation-filled discussion of the drug and the faulty “research” used to promote it]

Remdesivir

Preliminary data from an analysis of multiple studies shows 2/3rds of patients with severe COVID19 treated with anti-viral drug Remdesivir had “promising” outcomes.

One study in Chicago had positive results as researchers saw “high fevers fall “quite quickly” in remdesivir-treated patients and patients weaning “off ventilators a day after starting therapy.”

This is PRELIMINARY; much work still needs to be done. Additional clinical trials are underway, with one posting results by the end of this month.

Remdesivir is an injectable and to date has only been administered in hospitals.

If you’ve had COVID, are you immune?

We do NOT know. There is no evidence that those who have contracted the disease have immunity from a subsequent infection.  Serology tests look for antibodies in the blood, proteins whose function is to find and kill coronaviruses.

Usually those who have had a disease gain some immunity; that’s the idea behind vaccines. However, there is a report out of China that some patients previously infected tested positive after they were ostensibly “cured”.

There are concerns that tests are inaccurate, that they may show false positives (you aren’t infected but the test results say you are) and false negatives (you are infected, but the test results show you aren’t).

One theory is the antibody tests are hitting on non-COVID19 viruses (like those that cause the common cold) and thus giving false results.

Long term health issues associated with COVID19

There’s growing evidence that people with severe cases of COVID19 may have long-term pulmonary deficits due to compromised lungs.  The most vulnerable are – as you’d expect – older folks, those with pre-existing conditions, and compromised immune systems

A study out of China found about a third of patients that had recovered from severe COVID19 had brain stem issues that manifested as dizziness, headache, seizures and other issues.

Another study found that a fifth of severe COVID19 patients had significant heart issues. Blood clots are also a common problem, one that can be deadly.

PTSD and other mental health problems are also reported – no surprise there.

There have been reports of significant kidney problems, however an earlier study in China found no acute (short term) kidney damage.

What’s clear is we are just starting to grasp the potential long-term health effects of COVID19 – and we will learn a lot more in the coming months.

There is a lot of mis- and dis-information out there, from “cures” to the assertion that 5G towers cause COVID19 to Chinese claims that COVID is a U.S.-caused disease to “evidence” that the virus escaped from a Chinese bio-research lab to ridiculous claims by “scientists’ that all the health problems are caused by an overactive immune system.

This is exactly why one needs to be very careful when reading about drugs, cures, tests, results, and infection rates...almost no one had heard of COVID just 120 days ago, all research is just getting started, and we are all learning as we go. And fear-mongers and charlatans love a crisis and get off on scaring people while they get their 15 minutes of fame.

Oh, and YouTube is NOT a reliable or credible primary source for scientific information.


Apr
20

Are you paying too much for drugs, Part Two

The good news – most workers’ comp payers have seen their drug costs steadily decline steadily.

The bad – many are still paying too much due to poor contract terms.

One of the issues is a failure to update generic drug pricing tables; in several recent PBM assessments the PBM has apparently failed to update pricing tables. The result – the insurer, employer, or TPA is charged what the drug cost as much as 12 months ago. Because generic drug prices continually decrease, the insurer, employer or TPA is paying more than they should.

Meanwhile, the PBM is paying the pharmacy today’s price – which is almost always less than it cost a year ago.

The net  – the PBM makes a bigger profit because it is “buying low and selling high.”

While the “fix” is obvious – ensure contractual terms require updates to pricing are timely – there’s a much bigger issue.

This is just one reason many work comp insurers and employers pay too much for drugs. Pharmacy pricing is opaque at best, requiring a lot of experience and expertise to make sure you’re paying only what you should, updating generic pricing schedules is only one issue.

What does this mean for you?

Are you paying what you should?


Apr
17

Friday catch-up

Happy Friday to all – here’s the non-COVID news of note from the week.

The brilliant minds at WCRI aren’t slacking while WFH (working from home).  Their latest is the 20th edition of the CompScope state-specific reports detailing the performance of 18 state workers’ compensation systems. Free to members…

Also, download a free copy of WCRI’s report on medical prices for services paid in 36 states.

NCCI’s annual meeting is still on for May 12; it kicks off virtually at 1 pm eastern. This is a must-attend for all looking for the latest intel on all things workers’ comp.

Good news and helpful stuff

Gotta love the State Fund of California – the Fund is contributing $25 million to each of two programs ($50 million in total):

  • one for essential workers who contract COVID-19 or are ordered to self-isolate due to a potential exposure. The fund will provide assistance with wage replacement up to 6 weeks and assist any worker without health coverage with uncovered medical costs.
  • the other is for qualified policyholders, it will help defray the costs of safety-related expenses, planned or already incurred, related to protecting their workforces from COVID-19. Get info here – it is first come, first served.

If you are stressed a bit more than usual these days, spend a few minutes with Carisk’s David Vittoria – a wonderfully compassionate speaker – today or early next week by signing up here. (I work with Carisk).

If you’re not entirely comfortable working remote and want to be more effective in those Zoom meetings, here’s some very useful advice. Spoiler alert – we’re all on TV now, and the camera is the key.

For those new to WFH, some useful tips from the Harvard Business Review will help you manage the back-and-forth between work and non-work time; HBR says:

  • plan your day
  • prioritize what’s most important and stick to the list
  • have transition time in the morning to get going, and in the pm to wind down.

If you miss people – I certainly do! – here’s a wonderful piece on how neighbors can connect and stay connected, regardless of how long we’re “apart”.

Finally, JAMA’s allowing free access to a summary of all the drugs currently being evaluated as potential treatment for COVID19. Hat tip to WaPo for the head’s up. [The link is a more readable summary of the JAMA piece.]


Apr
16

COVID19 – how does it do its damage?

This week we’re attempting to figure out how much of an impact COVID19 will have on the country in general and workers’ comp in specific. That requires:

  • estimating the number of people infected;
  • determining how deadly it is;
  • assessing our ability to contain it;
  • evaluating other health effects of the disease; and
  • knowing if and where and how much liability will be assigned to workers’ comp.
This last is best left for later; there are obvious implications for workers’ compensation, however until there’s more clarity around the industry’s liability for COVID19 we won’t be able to even guess what that liability ultimately might be. Of note, several states have asserted WC will be presumed responsible for patients working in pubic safety, healthcare, and some retail establishments who become infected with coronavirus.
The work comp COVID19 coverage situation is fluid and evolving rapidly; Nancy Grover’s piece in workerscompensation.com provides excellent insights on the current status of state coverage from knowledgeable professionals and is well worth a read.  I’m sure Nancy and her experts will keep us informed.

Health effects

Big caveat here – as one of the articles cited below notes and as is true for pretty much everything you read about COVID19 (including this post), physicians interviewed “are speculating with much less data than is normally needed to reach solid clinical conclusions.” COVID19 is so new and so little is known that there’s very little credible research. What we’re relying on are ‘reports from the battlefield”, information from the front lines that’s coming in real time, not careful, methodological, rigorous research using controls.

Another caveat, from the LATimes –

Patients with disorders that affect the heart, liver, blood and lungs face a higher risk of becoming very sick with COVID-19 in the first place. That makes it difficult to distinguish COVID-19 after-effects from the problems that made patients vulnerable to begin with — especially so early in the game.

But for now, this is all we have. The faster we collect and assimilate information, the more able we will be to respond quickly and with the right solutions.

Broadly speaking, the physiological effects seem to vary widely between victims; women seem to fend off the virus better then men; and people with pre-existing conditions, especially hypertension, appear to be at particularly high risk. The recovery process, which at first seemed pretty straightforward (lungs get better after intubation) even for those on ventilators, appears to be more complicated and take longer than originally thought.

We are only now seeing indications that COVID19 may have long-term health effects, and its reach extends beyond just the lungs.  From an extensive piece this morning in the Washington Post:

coronavirus kills by inflaming and clogging the tiny air sacs in the lungs…clinicians around the world are seeing evidence that suggests the virus also may be causing heart inflammation, acute kidney disease, neurological malfunction, blood clots, intestinal damage and liver problems.

One study indicated some patients with relatively mild cases appeared to have significant warning signs of long-term health effects – in this instance impaired liver function.  Another study noted cardiac issues post-discharge, and a nephrologist at Yale’s School of Medicine reported that almost half of “the people hospitalized because of covid-19 have blood or protein in their urine, indicating early damage to their kidneys…”

How can this be happening?
The coronavirus attacks by attaching to the ACE2 receptor on cell surfaces. These receptors are on cells in the lungs and other organs as well. From the WaPo:
there is increasing suspicion that it is using the same doorway [ACE2 receptors] to enter other cells. The gastrointestinal tract, for instance, contains 100 times more of these receptors than other parts of the body, and its surface area is enormous.
In particularly bad cases, severe inflammation can occur, causing significant problems throughout the body. This has its own set of challenges as it appears to be driven by a hyper-active immune response. There appear to be some treatment approaches that are having positive results using lessons learned from prior viral outbreaks.
Again, this is so new that many treatments are being developed and tried on the fly as doctors scramble to learn what works and what doesn’t on which kind of patients exhibiting what signs and symptoms.
What does this mean for you?
As awful as this is, the more cases that physicians encounter, the greater the knowledge gained.
With much of our medical establishment and resident brain power focused on COVID19 and caring for its victims, things will improve.

Apr
14

COVID19 – what’s the real death count?

As of this morning 23,459 US deaths have been attributed to COVID19.

That number is almost certainly too low.

The words “have been attributed” were carefully chosen – note I did NOT write “COVID19 killed 23,459 people” or “23,459 people died of COVID19 or “there were 23,459 COVID19 deaths.”

Briefly, that’s because:

a) patients presenting at a hospital with breathing problems, a fever, and a bad headache are often not tested as COVID19 is assumed;

b) severe COVID cases typically lead to heart attack, Acute or Severe Respiratory Distress Syndrome or other problems, and the cause of death [more on this below] may be attributed to a heart attack/ARDS/SRDS and not to COVID;

c) many hospitalized victims also have other health problems; diabetes, high blood pressure, asthma, COPD, cardiac issues.  These co-morbidities greatly increase the risk of death and, absent a positive test for COVID19, may be given as the cause of death; and

d) cause of death (COD) can be a judgment call, and multiple CODs can be reported on the “death certificate”.

Here are the facts.

The CDC finally published guidelines for assigning cause of death for COVID19 earlier this month. Needless to say, a lot of people had died from COVID19 before these guidelines came out, so that’s issue One; Issue Two – as noted above, there can be multiple “causes of death”.

For physicians confronted with a deceased patient, determining and assigning a  cause or causes of death is often complicated and uncertain. For example, COVID19 leads to much greater stress on the heart as it tries to pump more blood to get more oxygen out of damaged lungs. According to the CDC, when that old, tired, sick heart gives out:

The immediate cause of death [in this case the heart attack], which is the disease or condition that directly preceded death and is not necessarily the underlying cause of death (UCOD) [in this case COVID19], should be reported on line a.  The conditions that led to the immediate cause of death  should be reported in a logical sequence in terms of time and etiology below it [on the cause of death statement]. [italics added]

Last week, CDC spokesman Scott Pauley said, “It’s likely that COVID-19 related deaths may not be included on a death certificate [italics added] or COVID-19 might be a factor related to an individual’s death but not the main cause.”

Issue Three – no test, no diagnosis (in some cases) From ABCNews last week

“There is no swabbing of deceased individuals anymore and unless the medical examiner has knowledge of a confirmed coronavirus test, then they aren’t being marked down as having coronavirus,” said [New York City Councilman Mark] Levine, whose committee has oversight for the Office of the Chief Medical Examiner.

Issue Four – A related issue is most of the victims of COVID19 are elderly; older people who contract COVID19 are much more likely to die than younger folk.

Of course, older people have more health problems than younger folks, so there are more “potential” causes of death – cancer, heart disease, stroke, hypertension, COPD, kidney failure and the like. Thus there are more opportunities for the pathologist to attribute non-COVID causes as one of the causes of death – which would further skew the numbers.

There are compelling data from New York City indicating COVID19 may be involved in many more deaths than have been attributed to the virus;

The FDNY reported a nearly 400 percent increase in “cardiac arrest” home deaths in late March and early April, [emphasis added] a spike that officials say is almost certainly driven by COVID-19, whether they were formally diagnosed or not.

Between March 20 and April 5, the department recorded nearly 2,200 such deaths, versus 450 in the same period last year,

Then there’s the issue (Five, to those still counting) that there are a LOT of “extra” deaths that can’t be directly tied to COVID19 as that specific cause of death, however these “extra deaths” happened during the COVID19 crisis.

This from Judy Melinek M.D., a forensic pathologist:

To quote Dr. Ed Donoghue, a forensic pathology colleague at the Georgia Bureau of Investigation, “No matter how these deaths are currently being attributed, after this pandemic terminates, an excellent approximation of the true fatality rate of COVID-19 deaths can be made by the calculation of the excess mortality for the period. This calculation was very helpful during the 1995 Chicago heat wave. Almost certainly, because of the scarcity of testing and other reasons, we will find that the number of COVID-19 deaths has been grossly underestimated.”

Okay, counterclaims.  There are any number of specious claims about rampant over-counting of deaths as COVID; I have yet to see any from any credible source backed by credible data. This is perhaps the best overall discussion of claims that COVID deaths are overcounted; it is thorough and detailed.

Here are just a couple debunked claims…

For those interested – The international picture

From the BBC – “it might seem simple enough: if a patient dies while infected with Covid-19, they died of Covid-19.” Perhaps – but they may have died from a car accident, or might have an underlying health condition such as COPD or asthma or heart disease. The UK counts ANYONE who dies and has tested positive for COVID as a COVID death. Even if they died in a car accident.

A related issue – reports from Italy indicate there are a lot more people dying of all causes than usual, and many of those “extra” deaths aren’t attributed to COVID. “Only 12 per cent of death certificates have shown a direct causality from coronavirus,” said the scientific adviser to Italy’s minister of health last week. [source here]

What does this mean for you?

Two things:

We do not KNOW how many deaths are directly or indirectly due to COVID19.  But medical experts, physicians, epidemiologists, and medical examiners believe it is significantly higher than the published total.

There are truckloads of BS on the interwebs about COVID; ignore anything not based on solid research from credible people with scientific and/or clinical training and experience.


Apr
13

COVID infections – what’s the real number?

Ten days ago I wrote:

Ignore anyone who says there will be this many infections and this many deaths – their “models” are based on data that is likely wildly inaccurate and [based on] assumptions that differ wildly.

Not much has changed.

Today we’ll dive into “official” infection rates and why they may be way less than the actual infection rates. (for those wanting a lot more detail, try this.)

How many of us are infected?

According to testing results, in the US about 550,000 people have tested positive for coronavirus.  However, some researchers suggest as many of 12 million may have been infected, with the vast majority showing no or mild symptoms. (original source is Reason magazine, an avowedly libertarian publication)

DO NOT take that as gospel or dismiss it outright; the researchers relied on data from testing from China as well as other sources; some have questioned the reliability of data and testing kits from China. Other scientists have employed mathematical modeling to calculate actual infection rates; their findings indicate we’re identifying about 2/3rds of COVID19 cases.

Remember, all projections rely on data that are woefully inadequate. Reality is we do NOT know how many of us are infected, because here in the US (and in many other countries) the rollout and ramp up of testing has been far too slow. As you can see, after an initial increase, in the US we’ve been averaging less than 150,000 tests per day for more than two weeks.

data from CovidTracking project; source here (btw, this is a highly credible entity with full transparency re data sources)

From the research reported by Reason:

Credible research indicates Insufficient and delayed testing may explain…Germany, which has detected an estimated 15.6% of infections compared to only 3.5% in Italy or 1.7% in Spain. Detection rates [the percentage of people who are actually infected that are tested and counted as infected] are even lower in the United States (1.6%) and the United Kingdom (1.2%)…As of March 31, [research article authors] Vollmer and Bommer calculate confirmed cases represented just 3.5 percent of infections in Italy, 2.6 percent in France, 1.7 percent in Spain, 1.6 percent in the United States, and 1.2 percent in the U.K. [emphasis added]

In other words, the true number of infections was between 29 and 83 times as high as the official tallies in those countries [emphasis added]

The countries with the highest estimated detection rates were South Korea (nearly 50 percent), Norway (38 percent), Japan (25 percent), and Germany (16 percent)…The estimated prevalence of infection ranged from 0.1 percent in India and Japan to more than 13 percent in Turkey; it was 3.6 percent in the United States.[emphasis added]

To be clear, the researchers made several assumptions, some based on other researchers’ work. And, Vollmer and Bommer’s findings are quite different from Rao and Krantz’s.

What does this mean for you?

Net – we do not KNOW how Americans are infected…but it is definitely more than a half-million.

We will not KNOW until testing using a statistically-credible sample size and methodology has been done and reported.

 


Apr
10

COVID, small business, and workers’ comp

The small business sector is in deep trouble – with big implications for workers’ comp – starting with what looks like an 8% decrease in monthly premiums and equivalents due to massive layoffs and business closures.

Without immediate funding from the SBA’s $350 billion Paycheck Protection Program (PPP) and Economic Injury Disaster-Relief Loans (EIDL), many small businesses will disappear. Work comp premium payments will dry up and jobs for laid-off, injured and sick workers will too.

Here are the implications for workers’ comp; details on why small business is in deep trouble follow.

My best estimate is annual premiums and equivalents will be down about 10% by the end of April. Here’s the math:

In December of 2019 average annual income was $48,700. Workers’ comp insurance costs on average $1.30 per $100 of payroll for a total of $633.41 per year or $52.71 per month.

Businesses with less than 500 workers account for about 60 million jobs (I know, 499 workers is a pretty big “small” business, but that is how many entities categorize “small); credible sources estimate we’ll lose somewhere around 12.3 million small business jobs.

note this includes ALL jobs, not just small employers

Multiplying the average payroll cost of workers’ comp by the average monthly wage, then by the number of layoffs adds up to a loss of about $650 million in workers’ comp premiums every month, or roughly $50 million for every million jobs lost.

NASI reports total premiums and equivalents were just over $97 billion in 2017; that equates to about $8 billion per month.

Given earlier job losses coupled with yesterday’s announcement, my best guess is we will be down somewhere around a billion dollars in premium and equivalents by the end of the month.

The small business support situation

Okay, now for the current status of aid for small businesses.

Hundreds of billions of dollars have been earmarked to help businesses stay afloat, and more billions are on the way. That’s great – but only if those dollars actually get into businesses’ bank accounts. So far, that has not gone well.

Business owners were told Small Business Administration (SBA) dollars would be flowing in “days” and depending on their need and the size of their business, they could get loans and grants up to $2 million.

The programs are a clustermess.

Business owners are getting conflicting answers from the SBA – when they get any answers at all. If anything, lenders are worse off, unable to get clear guidance from the SBA. Grant amounts under the Economic Injury Disaster-Relief Loans (EIDL)’s Advance program have been reduced to a maximum of $10,000 – or less (depending on which official you listen to). Banks are already running out of SBA money, making business survival dependent on how fast you get to the front of the line.

Initial loans have also been capped – at a maximum of $15,000. And applications for long-term loans under the Paycheck Protection Program (PPP) are also in limbo, with applicants desperately hoping they’ll get relief before it’s too late.  Many business owners have heard nothing about their applications for grants and loans despite hours stuck on hold. I

It’s easy – but wrong – to point the finger at incompetent government bureaucrats or lenders.

The SBA’s is woefully understaffed, its computer systems haven’t been updated for decades, and went without an official leader for nine months, a permanent leader appointed just three months ago. Neglected for far too long, the SBA just isn’t ready or able to do what needs to be done.

I provide that detail so we’ll understand that things are not going to improve quickly – and improvements will be scattered and spotty.

Implications

Fewer jobs = less payroll, fewer premium dollars for insurers, fewer claims for service entities, less medical care for providers, and less income for others in the workers’ comp ecosystem.

 

 


Apr
8

COVID’s impact on workers’ compensation, Part 4

Monday I finished a survey of 16 payers, getting their views and perspectives on a variety of COVID-related issues germane to workers’ compensation. The genesis for the survey was several conversations I had with work comp execs two weeks ago; all were struggling to figure out what the impact would be, how to adapt their organizations to deal with COVID, how to set priorities and a host of other questions.

It became apparent that some were much further along in one area and hadn’t thought of other issues. Ideally the survey will help us learn from each other, accelerate adoption of approaches/policies/ideas that work, and shorten the learning curve.

Here are the top takeaways; note that only respondents receive the detailed survey report.

  • Claim volumes have dropped about 25% on average, with very different decreases depending on the type of employer involved.
  • Tele-medicine in all its versions is exploding as employers seek ways to continue current claimants’ treatment and triage new claims quickly.
  • Unlike injuries, respondents’ take is the vast majority of COVID claims will resolve quickly, with most patients recovering with minimal need for care.
  • However, there’s a growing concern that some patients may have lasting lung damage and other trauma as well as potential cognitive deficits. This could trigger a whole host of future issues and complications.

A couple more complicated findings bear discussion.

Illness v Injury

Several respondents noted that the industry is struggling to shift from injury-caused claims to disease-caused claims. Historically the vast majority of claims have been injuries – trauma, repetitive motion, burns, slip-and-falls and the like. These are (mostly) relatively straightforward to investigate.

Not so with disease. Where did the exposure occur? Could the patient have been exposed outside the workplace? What do the state laws and regulations say? Where is the burden of proof; claimant or employer, and what constitutes “proof” of occupational exposure?

Needless to say, this is a dynamic situation that’s going to evolve over time.

Which brings up point two…

Multiple respondents noted that what they do now may/will have a big impact on how these claims are adjudicated and if/how responsibility is assigned down the road.

Workers’ comp payers are making decisions on the fly, decisions that in times past would have been deliberated, researched, considered, and reviewed by attorneys, committees, boards, and executives.

There’s no time for that now.

That is causing a lot of stress, angst and worry as individuals are forced to figure out what to do in a situation no one ever encountered before, considered, or even thought remotely possible. Decisions on everything from:

  • questions to ask on intake to
  • whether or not to authorize COVID testing to
  • what constitutes occupational exposure to
  • a payer’s potential liability if it rejects a COVID claim

and many others are being made every day by hundreds of workers’ comp professionals who are mostly flying blind.

When the crisis has passed, executives, Boards, regulators and other leaders should not fault front-line staff and their managers for decisions made and actions taken while in crisis mode.

I want to thank the professionals who took time out of their very busy day to share their knowledge and experience with others. We aren’t publishing their names or their organizations’; you know who you are and I deeply appreciate your willingness to share your hard-earned and hugely valuable knowledge with others.

As with all of our surveys, only respondents get a detailed survey report; that’s only fair as they volunteered their time and expertise and this is the only way we can thank them and encourage others to follow their lead.

I will be conducting a follow-up survey in a few weeks; if you are interested in participating please let me know in the comment area below (all comments are moderated, so your information will not be published)

What does this mean for you?

We are learning a lot every day, including how to adapt to a really difficult situation. Don’t be too hard on yourself.