Archive for the ‘Industry Events’ Category

Workers’ Compensation Performance Measurement: Keep The Bull’s Eye Simple

Wednesday, May 17th, 2017

For the last decade, injury frequency has been trending steadily lower. There are a number of reasons for this: automation, loss of manufacturing jobs, better safety engineering, etc. Injury severity, however, has not followed suit despite technological gains in claim administration and medical management and an ever so slow move to the use of predictive analytics.

This creates challenges for employers, especially of the small and middle market variety, and, to a certain degree, even for a few national, enterprise accounts who find themselves pretty much where they were ten years ago in terms of style and policy with respect to workers’ compensation. One reason for this is the deep rooted legacy mentality and resistance to change of many insurers and Third Party Administrators. In many ways, these organizations remind me of flies circling around a light in a lampshade, mistaking movement for progress.

However, employers still foot the bill and are still in command. Keeping in mind that the workplace is the best place to control workers’ compensation costs, employers still need to build and maintain solid programs to prevent and contain loss. Case in point is Bob Oberosler, Vice President of Loss Prevention for Rite Aid, a national pharmacy chain. At the New Jersey Self Insurers Association’s Annual Meeting a couple of weeks ago, he described his company’s work to craft a forward thinking loss prevention and workers’ compensation management program and communicate it to employees who are far and wide, indeed. But before that could happen, Mr. Oberosler said, he faced an even more daunting task – getting management’s commitment and buy-in to the effort. The good news is this happened and Rite Aid has been enjoying some spectacular results because of it.

This got me thinking. In order to sustain C-Suite commitment, a risk manager, or Loss Prevention VP, such as Bob Oberosler, needs to provide the Leadership team a steady, easily understandable Performance Measurement Results Dashboard. So, what should be the characteristics of such a Dashboard?

Performance measurement should have four characteristics: It should be simple, it should be meaningful, it should be consistent and it should be continuous.

By simple, I mean easily and quickly understood by senior management. Meaningful means that it should sit in senior management’s sweet spot; it should be something that is anticipated and valued by leaders. It should be consistent, because those leaders, once trained to view performance in one way, do not appreciate abrupt course changes. And to be effective over the long term, it has to be a continuous and routine process. The mantra should be: What is consistently well-measured is highly valued.

With this framework in mind, I usually recommend that monthly or quarterly reports to senior management measure two things religiously: Incurred losses per full time equivalent employee (and this should be done by department, division and company) and incurred losses per every hundred dollars of payroll (again, split out by department, division and company). Before any measurement occurs, however, management should settle on targets, which should be a bit of a stretch, but attainable. And target selections should be set against actual performance in the prior three or four years. For instance, if costs per FTE have been in the $200 to $300 range in the last few years, a good target would be a reduction of 30% to 40% in the current year.

Senior managers have finite attention spans. Therefore, workers’ compensation performance measurement should fit on one page, a Scorecard that senior management can assimilate in no more than a few minutes. If the information is pithy enough, that’s as long as it should take, but it should also lead to fruitful discussion about management actions to enhance performance, discussion that comes out of knowledge.

There are many other solid and valuable workers’ compensation metrics, but, in Lynch Ryan’s experience, these two are the ones that senior managers appreciate the most.

All of this assumes, of course, that, as at Rite Aid,  a serious and ongoing safety, workers’ compensation and injury management program is humming along and that all parts of the organization have been trained in how to keep it that way.

Update On Medical Marijuana

Friday, March 3rd, 2017

Yesterday, while attending WCRI’s Annual Conference in Boston, we wrote about the National Academy of Sciences (NAS) new research results concerning the effectiveness of  medical marijuana (cannabis) in the treatment of chronic pain. The NAS research concluded there is “conclusive support” that cannabis is effective with respect to chronic pain. A number of states are allowing cannabis to be employed in this regard.

However, marijuana is federally illegal in any usage, medical or otherwise.

We learn today from the Boston Globe that a bill was introduced in the US House of Representatives by Virginia Representative Thomas Garrett yesterday to remedy this situation. From the Globe’s story:

A freshman Republican representative from Virginia introduced legislation this week that would end the federal prohibition on marijuana use and allow states to fully set their own course on marijuana policy.

The bill seeks to remove marijuana from the federal Controlled Substances Act and resolve the existing conflict between federal and state laws over medical or recreational use of the drug. It would not legalize the sale and use of marijuana in all 50 states — it would simply allow states to make their own decisions on marijuana policy without the threat of federal interference.

‘‘Virginia is more than capable of handling its own marijuana policy, as are states such as Colorado or California,’’ Representative Thomas Garrett said in a statement. Neither recreational or medical uses of marijuana are allowed in Virginia.

Senator Bernie Sanders introduced a similar bill last year, but no one would co-sponsor it, and it never even got a hearing. Garrett, however, has four co-sponsors already.

We will continue to watch this.

A Conversation With WCRI’s John Ruser, Ph.D.

Monday, January 30th, 2017

As I write this, we are 34 days from this year’s not-to-be-missed Workers’ Compensation Research Institute’s Annual Conference. It all happens at the Westin Copley Place on March 2 and 3 in the greatest city in America. That would be Boston (sorry New York, Chicago, LA and all the rest of you).

This is always one of the top conferences in the nation, jam packed with enough data to satisfy any green-eye-shaded, algorithm loving, analytic modeler.

As you might imagine, this year’s agenda will include a bit of crystal ball gazing with respect to the future of American health care. I discussed that and other conference topics recently with Dr. John Ruser, WCRI’s President and CEO, at the Institute’s Cambridge, MA, offices.

This is Dr. Ruser’s first full year at the WCRI helm. About a year ago he succeeded Dr. Richard Victor, WCRI’s founder and iconic long time leader. Ruser, a perceptive intellectual, realized he had big shoes to fill, so he told me his goal for the first year was “stability.” He wanted a “steady transition.” That’s one goal he can check off as done. No staff left and they all continued to do significant research, much of which will be on display at the upcoming conference in the world’s greatest city.

WCRI’s research can impact policy. For example, in early December, 2016, Massachusetts Governor Charley Baker unveiled the Commonwealth’s new pilot program to help injured workers with opioid addiction. This from the Worcester Telegram:

The two-year pilot program is designed for people with settled workers’ compensation cases who are being treated with opioid medication, but whose insurance company seeks to stop payment for the opioid. Such cases, Gov. Charlie Baker said, can take up to a year to come to a resolution, and all the while the worker is prescribed opioids

 “Injured workers in Massachusetts receive 10 percent more prescriptions for opioids on average than 25 other states that were studied in a two-year study done by the Workers’ Compensation Research Institute (emphasis added), and Massachusetts led the studied states with the percentage of pain medications that were written for Oxycodone and nearly half of all prescriptions stronger than schedule II opioids,” Baker said. “There’s more we can do to help injured workers with settled workers’ compensation claims get appropriate treatment for pain management.”

Going forward, Ruser knows it’s time for him to begin making his mark at WCRI. This former Bureau of Labor Statistics executive wants to “increase WCRI’s reach.” He’s commissioned the building of a new website with the aim of “producing a much better search engine,” which will allow for “easier access to the Institute’s work.” I asked him what that really meant? He said he realizes that the work is scientific in nature, but that doesn’t mean it has to be obscure. He’s looking for plain english with a more “pithy” language style for Abstracts and Research Briefs. Doing so will allow WCRI to reach more stakeholders. A worthy goal, and we wish him luck.

John Ruser emphasized this year’s conference will tend to focus on three main questions:

  • What impact will the 2016 election have on healthcare (ACA, Medicare, etc.), labor and the workforce, and workers’ compensation?
  • Is the workers’ compensation system still fulfilling its mission or does it need revisiting?
  • With opioid use decreasing, what alternatives exist to treat pain?

The conference’s agenda is interesting, for sure, but for my money I’m eager to attend the first and last sessions. The opening session is on “The Impact of the 2016 Election,” and the presenters are former U.S. Representative Henry Waxman and former U.S. Senator Tom Coburn. I think that’s where the crystal ball gazing happens. We all know workers’ compensation is the tiny caboose at the end of the great big health care train. It remains to be seen whether the former Senator and former Representative will get deep into the weeds of what the coming blow up of the Affordable Care Act will do to that little caboose. A year from now we’ll see how prescient Waxman and Coburn have been.

But on to the final session. Last year, at this time, the workers’ compensation industry was rocked by a series of articles by ProPublica’s Michael Grabell and NPR’s Howard Berkes. Grabell lifted some ugly stones and rather unpleasant things crawled out. The industry lashed back. Perhaps the most reasoned comment was from Dr. Victor at the 2016 conference when he said, “Using anecdotes isn’t the best way to analyze an entire national system.”

The last session is at 10:35 AM on Friday morning (don’t leave early). This is the first session’s complement and is likely to get into some of the Grabell/Berkes territory.  “Appraising the “Grand Bargain” in 2017″ has four wonderful presenters, all of whom I admire. Professor Emily Spieler, Northeastern University School of Law, Dr. David Deitz, Principal, David Deitz & Associates, Dr. David Michaels, Former Assistant Secretary of Labor for Occupational Safety and Health (OSHA) and Bruce Wood, of the American Insurance Association are going to take a hard look at workers’ compensation in the here and now. Their comments should bookend nicely with those of Henry Waxman and Tom Coburn.

As we were winding up our talk I asked John Ruser what he hoped would be the biggest takeaway for attendees. “Honestly,” he said, “I want everyone to come out feeling they’ve learned something, something important.” Amen to that.

This year’s conference promises to be well-attended, but if you’re going (and you should be going), you might want to book your hotel now. WCRI has reserved a block of rooms at a special rate of $246 per night. They will go fast. You can register here.

I hope to see you soon in the Milky Way’s greatest city.

Go Pats!

 

A Pleasant Way To Do Real Good

Wednesday, September 14th, 2016

Today we’re participating and helping out at the Central New Jersey Claims Association’s annual golf event. We’re at Mercer Oaks Municipal Golf Course in Windsor Township. There are seventeen foursomes roaming the links trying not to hurt themselves or anyone else.

The proceeds of the event go to Kids’ Chance of New Jersey, a wonderful organization providing scholarships to children of workers who have been “seriously, catastrophically or fatally injured in a work-related injury.” The three New Jersey claims associations, led by the Central (you guessed it – the others are North and South), are deeply serious about helping these children.

The New Jersey chapter of Kids’ Chance was formed in 2012 when the Central Association awarded its first scholarship. This year the number rose to 15 and totaled $125,000.

Right now, one of the early scholarship recipients, Scott Kwiatek, whose Dad was killed in a workplace explosion when Scott was two months old, is running a putting contest a stone’s throw from where I write this. This is what Scott says about his scholarship:

“Before receiving the … Kids’ Chance of New Jersey scholarship, I could only afford to go to a community college. This award has truly changed my life, because now I am able to attend my dream college, the New Jersey Institute of Technology, to pursue a career in Civil Engineering. Words cannot express how grateful I am.”

Claims adjusters sometimes have to deal with awful stuff, workers who are profoundly injured, sometimes killed. Every once in a while they get to see tragedy up close and personal, families devastated by the loss of a parent due to a workplace injury. That sort of thing is difficult to deal with; it can harden a person. It’s gratifying, indeed, to see this group of adjuster professionals giving so much of themselves (and having a good time doing it!) to help children victimized so early in life.

 

April 28: Workers Memorial Day

Thursday, April 28th, 2016

Each year, April 28 is designated as Worker Memorial Day, a day to mourn the dead and recommit to safety in the workplace. Despite progress in reducing on-the-job deaths, 13 workers are killed at work every day, with many more suffering grievous and life-changing injuries. Here are some sites and resources commemorating the day.

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OSHA: Workers Memorial Day

Workers’ Memorial Day is observed every year on April 28. It is a day to honor those workers who have died on the job, to acknowledge the grievous suffering experienced by families and communities, and to recommit ourselves to the fight for safe and healthful workplaces for all workers. It is also the day OSHA was established in 1971. Under the Occupational Safety and Health Act of 1970, employers are responsible for providing safe and healthful workplaces for their workers. OSHA’s role is to ensure these conditions for America’s working men and women by setting and enforcing standards, and providing training, education and assistance.

OSHA provides a clickable map to find activities near you.

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AFL-CIO: Workers Memorial Day

From this year’s  fact sheet:

This year marks the 45th anniversary of the effective date of the Occupational Safety and Health Act and the creation of the Occupational Safety and Health Administration (OSHA). The Act — which guarantees every American worker a safe and healthful working environment — created the Occupational Safety and Health Administration (OSHA) to set and enforce standards and the National Institute for Occupational Safety and Health (NIOSH) to conduct research and investigations. This year also marks the 47th anniversary of the Coal Mine Health and Safety Act, and 39th anniversary of the Federal Mine Safety and Health Act.

But despite the progress:

The Occupational Safety and Health Act is 45 years old, and is out of date. Millions of workers lack coverage, penalties are weak and worker and union  rights are very limited.

Thousands of workers still face retaliation by their employers each year for raising job safety concerns or reporting injuries —fired or harassed simply because they want a safe place to work. The OSH Act’s whistleblower and anti-retaliation provisions are too weak to provide adequate protection to workers who try to exercise their legal rights

In 2014, nearly 4,700workers were killed on-the-job by traumatic injuries and an estimated 50,000 – 60,000 died from occupational diseases. On an average day, more than 10,000 workers are injured or become ill because of workplace hazards, and 150 workers lose their lives as a result of workplace injuries and diseases.

See events listed by AFL-CIO, as well as this year’s fact sheet.

Other resources

 

John Geaney: Setting A High Bar For New Jersey’s Bar

Thursday, April 14th, 2016

John Geaney’s been a friend for years. And why not? He’s a Holy Cross and Boston College Law School grad, as well as a Red Sox fan. So, in a way we’re Boston Brothers.

But that’s not important. What is important is that John Geaney is recognized as the pre-eminent New Jersey attorney focusing on workers’ compensation. He heads the workers’ compensation practice for Capehart Scatchard, one of New Jersey’s foremost law firms. There are nearly 40 attorneys in John’s practice department.

John is the author of “Geaney’s New Jersey Workers’ Compensation Manual for Practitioners, Adjusters, and Employers,” and updates it annually. If you have anything to do with workers’ compensation in New Jersey, you need to have John Geaney’s Manual.

In addition to representing a great number of New Jersey’s premier employers, writing a Lexis Nexis Top Blog (a really good one!) and creating the aforementioned Manual, John, teaming with Millennium Seminars, puts on three seminars each year for New Jersey professionals specializing in workers’ compensation.

I’m writing this from today’s seminar in Mount Laurel. I’m attending with Richard Filippone and Mary Ann Kezmarsky, founders of Work Comp Psych Net, a seminar exhibitor and a Lynch Ryan client.

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There more than 100 New Jersey workers’ comp pros here, and all of them are highly engaged. Moreover, Geaney’s seminars are always fully subscribed. Attendees keep coming back, and that doesn’t happen by chance. Geaney is charismatic on the podium. The presenters are interesting, articulate and well-regarded. It’s considered a high compliment to be invited to present here.

Around the nation, most states have one, perhaps two, people who set the professional standard for everyone else in their state. In New Jersey, that person is John Geaney.

 

Some Final Thoughts Following WCRI’s Annual Conference

Wednesday, March 16th, 2016

 

This year’s conference was an interesting blend of hard data and subjective debate.

On the hard data side we learned the preliminary results of some studies addressing what most in the business consider to be the key issues of the day, and they are all medical (a position with which I do not agree, but, admittedly, I am a minority of one). Some of the studies produced  results that validated what I like to think of as the “Duh!” conclusions. These are conclusions that seem totally logical and predictable, conclusions reached by mere intuition. Trouble is, policy, at least good policy, should be based on verifiable evidence, the kind that these “Duh!” studies produce, and not by intuition.

For example, workers’ compensation pays providers better than group health, in some states way better. So, it is logical and intuitive to believe that providers in those way better states would categorize soft tissue injuries as work-related rather than group health if given the chance. And, what do you know? Preliminary results from one of the studies put “You betcha” to that one.

So, cost shifting happens, and now we have proof, proof that policymakers can cite as they suggest system improvements.

Subjective debate was alive and well in the two Opt-Out panels. There were eight panel presenters, and only one of them, Elizabeth Bailey, from Waffle House, Inc., produced any data. As I wrote during the conference, Ms. Bailey presented data on cost savings Waffle House achieved since Opting-Out of Texas workers’ compensation in 2002. The savings were impressive, indeed, but, as attendees pointed out during the question period, Waffle House has made other workers’ compensation, safety and employee involvement improvements since Opting-Out, so it’s hard to say just how much Opting-Out has contributed to the cost savings. In other words, Waffle House’s cost savings may be nothing more than a painted hook on which Opt-Out enthusiasts want to hang their collective hats. More study is needed. Let’s hope it happens.

And let us not forget Bob Hartwig, the illustrious outgoing President of III, the Insurance Information Institute. Dr. Hartwig, who delivers presentations at Gatling gun speed, spoke on the Sharing Economy, or, as Hilary Clinton calls it, the Gig Economy. His formidable presentation was entertaining, educational and scary all at the same time.

For me, three things are memorable from the presentation:

  1. The Gig economy is bigger than anyone thinks, and is growing swiftly. And, as you might imagine, Millennials are deep into it. This is a movement that has the power to change an economic system.
  2. Hartwig suggested that the days of AI, Artificial Intelligence, taking over America’s jobs are farther in the distance than have been predicted by AI experts. His position is one with which I, respectfully, disagree. I think we’re closer to a cataclysmic shift than he believes. To put a point to that, Gary Anderberg, Senior VP of Analytics for Gallagher Bassett, suggested, no, pronounced, during the question period that all of the WCRI attendees could be replaced given today’s Watson-like technology. That’s heady stuff.
  3. I got to ask the last question of Dr. Hartwig, and it was this: “To what degree do you believe the Gig Economy correlates to the relative stagnation in hourly wages over the last 40 years?” His reply? “Good question. A lot.”

Bob Hartwig now moves to a professorship at the University of South Carolina, and the students in the Finance Department have no idea what is about to hit them. I predict his classes will be over-subscribed from the get-go.

Hope to see you at next year’s WCRI conference, March 2nd and 3rd in Boston.

 

Fresh Health Wonk Review posted at Health Business Blog; WCRI recap

Friday, March 11th, 2016

Grab a coffee and head over to David Williams’ Health Business Blog for this week’s dose of health wonkery:  Health Wonk Review: Tales of the Trump. And while there, don’t miss David’s 11th blog birthday roundup of best posts from the prior year.

Tom Lynch is at WCRI conference yesterday and today – you can see some of his recaps here on the blog. Part 1, Part 2 and Part 3

If you didn’t make it to the conference, no worries. You can follow along with a list of people who are live tweeting the conference.

Other folks blogging the WCRI conference

WCRI: Day One, Part Three: The 2nd Opt-Out Session

Thursday, March 10th, 2016

Bruce Wood, of the American Insurance Association, led off the second Opt-Out session by reminding participants that the 1972 National Commission “considered and rejected employer or employee choice of benefit plans.” So, right away we knew where Mr. Wood was heading. He boarded the Trey Gillespie train and left the station smartly. His conclusions:

  • Opt-Out raises fundamental issues of public policy that policymakers have failed to consider;
  • Opt-Out lacks an organizing principle that reflects acceptable social policy; and,
  • Opt-Out is flawed and should not be enacted.

You know where Mr. Wood stands.

The second presenter was Elizabeth Bailey, VP of Workers’ Compensation & Safety for Waffle House, Inc. Waffle House, headquartered in Georgia,  is in a number of states, Texas being one of them. The company has been a Texas Non-Subscriber (it’s Opted-Out) since 2002, and, according to Ms. Bailey, has enjoyed spectacular results ever since. Such as:

  • Within one year, claims cost per restaurant dropped 57%;
  • Indemnity claims went from 15.03% of total claims to 3.23%;and,
  • Indemnity costs declined 99%

Wow!

Ms. Bailey described how Waffle House has increased its safety and health efforts while providing equivalent benefits as those required by the workers’ compensation statute. The company’s economic results are certainly stellar, but at what cost to employees? We were left wondering. However, as David Deitz pointed out in the question period, Ms. Bailey was the only Opt-out presenter who “presented” any data.

 

The third presenter, Alan Pierce, is a Massachusetts plaintiffs attorney, but that doesn’t begin to describe his standing in the legal community. He is one of the nation’s foremost advocates for injured workers and is the past chair of the Workers’ Compensation Section of the American Bar Association and the Massachusetts Bar Association. As expected, he offered an eloquent precis suggesting that workers’ compensation is not a benefit, but rather an employee right. He, too, cited the 1972 National Commission pointing out that most of its recommendations have never been adopted. Mr. Pierce is always interesting.

The last presented was Oklahoma Insurance Department Chief of Staff James Mills. I was somewhat surprised to hear him defend the Oklahoma Opt-Out statute. Essentially, Attorney Mills said that he was open to any program or law that might have the chance of benefiting both employers and employees and likened the statute, which had 57 legislative authors, to some other ideas that needed time to grow and prosper. Who knows? Maybe that’s what will happen to Opt-Out.

But I wouldn’t hold my breath waiting for that to happen.

Artificial Intelligence: Change On A Monumental Scale

Monday, February 29th, 2016

This morning, Joe Paduda, at Managed Care Matters, did the workers’ compensation community a service with his blog post What Job?, in which he writes about the likely prospect of many jobs disappearing due to Artificial Intelligence (AI).

AI is permeating every industry. For example, watch Motoman’s nearly human-free plant in Sweden as robots assemble, package, shrink wrap and ship thousands of Ikea bookcases, or a BMW plant in Germany as robots build the i3 electric car from scratch and with amazing precision, or CNN as its reporters show how Google’s driverless cars are navigating California and three other states.

This is one of the defining issues of our time, and one in which I am profoundly interested. I suggest it is not hyperbole to predict that we are on the verge of an epochal change, something like a kind of mass extinction, and what’s going extinct is an enormous number of jobs. This change might be even more significant than humanity’s evolution from an agrarian to an industrial economy.

Mr. Paduda cites the the Frey and Osborne paper from Oxford University’s Oxford Martin School that suggests up to 47% of jobs run the risk of going the way of the Woolly Mammoth by 2025. The paper is highly controversial and its conclusions have been hotly debated. Even so, the most conservative naysayers agree that the figure is at least 16% (but that figure doesn’t take into account the jobs that the AI revolution will create, estimated at about 9%, for a net job loss of 7%). So, you can see there’s a huge difference of opinion. Regardless, millions of jobs will be lost. Add into that mix the following, and you have a wicked brew for the future:

  • The rise of the Millennials, whose cultural and social thinking, as well as their total buy-in to AI technological development, is nearly diametrically opposed to today’s economic leaders, the Baby Boomers, who are now exiting the work force at the rate of one every seven seconds;
  • Rapidly increasing economic inequality throughout the workforce. For example, consider that since 1973 inflation has grown 533%, while hourly wages for non-farm US Production and Non-Supervisory employees, measured in constant 1984 dollars, have risen a whopping 4%;
  • Put that beside the Disappearing Act of US labor unions. Whatever you think of them, unions were good at negotiating hourly wages and other benefits like health care. But with only 6.7% of the private sector unionized today, that doesn’t happen anymore, so we’re left with a near total change in how we pay for health care today, as well as what we get for it, compared with how we paid and what we got for it in 1973. For example, we now have $2,000 (or more) deductibles, significant increases in employee premium contributions, the gold medal for the highest cost for health care in the developed world, way-over-the-top histrionics surrounding the Affordable Care Act, etc. You get the picture.
  • The increasing need for both cognitive and social skills in entrance level jobs on track for middle class wages (presuming there is a middle class). See The Increasing Complementarity of Cognitive and Social Skills, by Catherine J. Weinberger, University of California, Santa Barbara.
  • The continued accuracy of the 1965 technological development prediction, known as Moore’s Law. Simply stated, Gordon Moore, the founder of Intel, predicted that computing power would approximately double every two years, and it has – since 1965. Moore has recently revised his prediction to two and a half years through the next decade.
  • Finally, the rise of what can be called the “intellectual” robots as exemplified by IBM’s Watson, which, in addition to handily beating all-time champion Ken Jennings at Jeopardy, is already doing a better job of reading XRays, CT Scans and MRIs than human radiologists. And here’s something to ponder along that line: Many agree that a workers’ compensation claims adjuster with a lost time caseload of 100 to 125 claims has the ideal caseload (a few nights ago at a Central New Jersey Claims Association meeting I was talking with a motivated and energetic workers’ comp claims adjuster for a company that shall go nameless – but it’s respected and well-known – who told me she’s carrying 180, and that’s the norm for her group). How would Watson do on that? Watson, a machine that sounds like the Hal 9000, never sleeps and could analyze thousands, maybe more, of lost time claims a second. IBM says that human involvement with Watson is critically important, but how many people does that mean? After the initial intake with the claimant, how much claim management could shift to Watson? You may not agree, but it seems to me that more than a few workers’ comp claims adjusters may soon begin to resemble that long-gone Woolly Mammoth.

I’ll leave you with a question: Do you think it would have been appropriate if this subject had made it onto the agenda for the upcoming WCRI Annual Conference in Boston, March 10 and 11? Regardless of your answer, I’ll be there and will be happy to dive deep into the AI crease with any interested attendees.

Hope to see you there.