worksite wellness programs role in workers’ compensation
TRANSCRIPT
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
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