worksite wellness programs role in workers’ compensation

Worksite Wellness Programs Role In Workers’ Compensation Presenter: Karen Curran, Pinnacol Assurance

Agenda

• About Pinnacol Assurance • The Perfect Storm • Research • Reinventing Risk Management • Discussion

• Only Colorado • Only workers’ comp • Approximately 56,000

policyholders, ranging in size from one to several thousand employees

• Cover almost 1,000,000 Colorado employees

About Pinnacol Assurance

Aging Population

Increasing Health Issues

Changing Roles

Employers • Worksite

programs and incentives assistance

• Best practices

• Encouragement and program updates

Employees • Health Risk

Assessment

• Unlimited health coaching by phone

• Access to online tools

Reports • Initial trend

report, used as baseline

• Annual trend reports

Health Risk Management Program

Health Risk Management Program

Do healthier employees have fewer accidents?

Do healthier employees have

less severe accidents?

Can we improve

productivity?

Research Advisory Council • University of Colorado School of Public

Health • John Hopkins University/Truven

Analytics • Integrated Benefits Institute • Segue Consulting

Research Being Presented Today • Understand the predictive relationship between

employee health risk factors and workers’ compensation claims

• Examine claims initially reported within one year after completing a baseline Health Risk Assessment (HRA)

Methods Overview • Health Risk Assessment (HRA) data

• ~17,000 HRAs • 314 companies • Multiple industries

• Workers’ compensation data (2005-2010) • Descriptive statistics - all variables • Logistic regression and generalized linear

models

What types of health conditions and behaviors are associated with future workers’ compensation claims?

Lifestyle and Psychosocial Risks Associated with Claims Risk Factors Incidence Cost

Seat belt use X

Tobacco: Second hand smoke X

Tobacco: Current use X

Poor sleep X

Financial stress X

Drinking and driving X X

Health Risks Associated with Claims

Risk Factors Incidence Cost

Arthritis X

Abnormal BMI X

No dental exam X

Diabetes X X

Digestive disorder X

Chronic fatigue X X

Health Risk Management Program:

ROI Analysis

What impact does HRM have on

employee health and productivity?

What is the ROI for an employer

investing in worksite wellness?

Methodology • Pre- and post-test prospective study design • Cohort population with two years of data • HRA as measurement tool to track 10 modifiable

health risks • Truven Health Analytics ROI model using HERO data

set

High Stress

High Alcohol Consumption

Annual Percentage Point Changes

Obesity

0 -1 -2 -3 -4 -5 -6

No Program (Expected) With Program (Actual)

High Blood Glucose

High Total Cholesterol

High Blood Pressure

Poor Nutrition/Eating Habits

Physical Inactivity

Tobacco Use

Depression +1

Estimating the Return on Investment From Health Risk Management Program Offered to Small Colorado-Bases Employer – 2014 Journal of Occupational and Environmental Medicine

For every $1 invested in our workplace wellness program

There’s a medical and productivity savings of $2

$2

Health Risk Calculator

Reinventing Workers’ Comp

• Informs safety

• Predictive modeling of claims severity

• Injured worker care management protocols

• Claims reserving

• Client and injured worker satisfaction

Wellness + Safety = Synergy of the programs

Discussion