Posts Tagged ‘New York’

A killer edition of Health Wonk Review & other noteworthy news

Thursday, June 10th, 2010

Our Boston neighbor Tinker Ready hosts this week’s edition of Health Wonk Review at Boston Health News and it’s a killer edition – check it out.
Awkward – Making the web circuits, many have been posting about the Bollywood safety dance video by Transocean’s CEO. We encourage CEOs and senior managers to ensure that safety is top company priority – so on the one hand, we applaud the attempt. But in light of the recent explosion that resulted in 11 deaths, this video is ironic and embarrassing. This, coupled with the recent news that the company’s disaster response plan was riddled with egregious errors leaves one to think that BP’s risk management efforts were not as substantive as they might have appeared on the surface. The folks over at Risk Management Monitor have been posting about various aspects of the BP story. Jared Wade gives us the rundown on BP’s pattern of neglect and corner cutting as well as an infographics style rundown on the spill. Also, if you haven’t seen the wildly popular fake BP PR Twitter account, it might give you a chuckle if you are into black humor. BP is not amused by the parody.
Truck drivers & sleep apnea – A study on sleep apnea and truck drivers that was recently published in the Journal of Occupational and Environmental Medicine found that treatment for sleep apnea led to more than $6,000 in total health plan and disability cost savings per treated driver. “On average, researchers found that for treated drivers, health plan costs decreased an average of $2,700 in the first year and another $3,100 in the second year compared to no change for untreated drivers. The treated drivers also missed fewer workdays (average 4.4 days in the first year) and had lower short-term disability costs ($528 over two years).”
Battle of the pharma giants – Joe Paduda keeps an eye on the Caremark vs Walmart pharma fight and offers informed commentary about what’s going on.
No go in Ohio for Noe – The Ohio Supreme Court has rejected Thomas Noe’s request for an appeal of his convictions. You may recall that Noe got in trouble for the theft of $13 million from $50 million that he invested in rare-coins and beanie babies for the Ohio Bureau of Workers’ Compensation. His capers were a contributing factor in bringing down Governor Taft and various other state officials. Stories like this don’t surface often in workers comp – we have quite an archive from the early days of the scandal through conviction and the early days of the appeal.
Octomom settles WC claim – From California comes the news that Nadya Suleman (aka “Octomom”) settled her workers comp lawsuit for $23,120. The injury occurred more than a decade ago. See my colleague’s prior post: Comp as Enabler: The Nadya Suleman Story
Tooting our own horn – thanks to Evan Carmichael for including Workers Comp Insider in his listing of theTop 50 HR Blogs: 2010 – it’s a good list and worth checking out. EvanCarmichael.com is a good resource for entrepreneurs and small businesses.
Also, our post on N.Y.’s domestic workers bill of rights was reprinted at Today’s Workplace, an excellent group blog on issues of workplace rights and employment law sponsored by Workplace Fairness, a non-profit organization helping to preserve and promote employee rights. Both resources are well worth your attention.

NY’s Domestic Worker Bill of Rights

Monday, June 7th, 2010

In the 1930s, when the Fair Labor Standards Act (FLSA) and the National Labor Relations Act (NLRA) passed, these two laws offered labor protections to workers nationwide – with the exception of two large segments of the work population: domestic workers and agricultural workers. These groups were excluded in the interests of political expediency since a large proportion of both groups were comprised of blacks and women, two populations that weren’t generally afforded full rights in many public and social arenas at the time.
With the 33-28 vote passage of the New York State Domestic Workers’ Bill of Rights in the Senate, New York is likely to become the first state in the union to remedy that. The Bill is not yet final law – first, the Senate bill needs to be reconciled with the bill passed by the state Assembly and then Governor Patterson must sign it.
Bill Number S2311D would “… amend the labor law, the executive law and the workers’ compensation law, in relation to establishing regulations regarding employment of domestic workers including hours of labor, wages and employment contracts.” The purpose of the bill is stated as being to: “… provide domestic workers with a Domestic Workers’ Bill of Rights which would set out the responsibilities of employers and employees as well as rules for paid holidays, paid vacations and standard overtime.”
It’s estimated that there are about 200,00 domestic workers in New York, 93% of which are women and 95% of which are people of color. Because the Bill covers all domestic workers – both legal and illegal – it’s been fairly controversial. Opponents decry the increase in regulation, which some say will result in fewer jobs. Many opponents also bridle against any protection for illegal workers, feeling that offers a legitimacy. Proponents say that it will go a long way to regulating an industry that has no standards or oversight and afford basic worker rights to a largely ignored worker population. Many of those in favor of the bill also think that shedding light on some of unregulated business segments which have historically been magnets for undocumented workers will be an important step in coming to grips with the hiring of illegal workers.
In a column in the New York Daily News, Albor Ruiz notes the irony that although we trust these domestic workers with our children, our elderly parents and our homes, they are among the most exploited of society’s laborers. He cites a study by Domestic Workers United and DataCenter, which found that, “…26% of domestic workers make less than the poverty line or the minimum wage rate. Also, 33% say they have been abused verbally or physically, and half report working overtime but not being paid for it. Health insurance from their employer is a rare luxury – only 10% get it.”
From our viewpoint, we think all employers have the responsibility to provide a fair and safe workplace for all employees, regardless of the work population involved – legal, illegal, here in the US, or offshore in other countries. It’s simply the right thing to do. But for those who don’t share this value, it generally makes sense from a cost perspective, too. In our experience, doing the right thing by employees is less costly in the long run.
Related:
Domestic workers and workers’ compensation requirements by state

Trusts in Trouble

Friday, May 7th, 2010

We recently blogged the collapse of the self-insurance trust market in New York. When CRM Holdings, a Bermuda based operator of self insurance groups (SIGs), folded like a house of cards, the New York comp board went after the healthy SIGs to cover CRM’s liabilities. They hit these innocent folks with a whopping $11 million assessment. As a result, a number of SIGs abandoned the New York market, only to learn two years later that the comp board’s assessments were illegal. Oh, well. It seemed like a good idea at the time.
Now we move a few miles to the east and find a similar situation brewing in Connecticut. Municipal Interlocal Risk Management Agency (MIRMA) has been writing comp policies for municipalities since 2002. The great thing about comp is that it’s so easy: offer coverage at rates lower than competitors, collect the premiums and pay the claims as they come in. Unfortunately, the premiums MIRMA has been collecting are not covering the claims generated by the insured municipalities. So MIRMA is in the uncomfortable position of trying to collect additional funds from cash-strapped municipalities. For example, North Branford owes $600,000, Westbrook owes $158,000; and Killingworth owes $71,188. In these trying times, that’s not exactly chump change.
The legislature passed a bill to give the municipalities more time to come up with the money. The bill would have amended the amount MIRMA was required to keep in its reserves, and thereby allow the towns to pay the amounts they owe, interest free, over four years. Governor Jodi Rell is not buying that approach; she vetoed the bill. The governor issued a statement:

MIRMA has been undercapitalized since its creation. Although it has been given several years to remedy its financial situation, it has failed to do so. Now, providers are not being paid and injured workers are at risk of not being treated. MIRMA can no longer exist in its current state of outright capital inadequacy.

The governor went on to state that MIRMA stopped paying workers’ compensation claims simply because it does not have the money to pay, which is “wholly unacceptable.” She wrote that MIRMA’s deficit has grown by more than 300 percent in the last six years, and is predicted to reach well over $15 million by 2013. That might seem small by CRM standards – their deficit was upwards of $50 million – but then again, Connecticut is a lot smaller than New York.
Untrustworthy Trusts
The governor has ordered a complete review of MIRMA’s finances. I could write the report without even looking at the books. In their effort to build market share, MIRMA underpriced their policies. They probably spent a lot on marketing and frills. To balance the books, they under-reserved claims, hoping to cover the cash short-fall by building market share. It worked until it didn’t. Now they have run out of money, so they cannot pay the claims. If the auditors have a sense of history, they will conclude that MIRMA operates like a subsidiary of CRM.
NOTE: CRM, still operating in California, appears to be on the ropes.
Connecticut’s short term solution – requiring the insured municipalities to come up with the money – is fair, if hardly feasible. At least Connecticut is not going to penalize the municipalities who declined to participate in what appears to be MIRMA’s modified Ponzi scheme. That’s good. But it remains to be seen how cash-strapped municipalities – already facing substantial budget cuts – are going to come up with these substantial sums of money.
When it comes to self-insurance trusts in the Empire and Nutmeg states, it’s time to put away the beer kegs and cancel the golf outing: the party is over.

Health Wonk Review and other noteworthy news briefs

Thursday, March 18th, 2010

It’s Health Wonk review week, and Minna Jung serves up the March Madness of both the basketball court and the health care reform process in this week’s Health Wonk Review. Visit this week’s post at the Robert Wood Johnson Foundation’s blog The Users’ Guide to the Health Reform Galaxy.
Employer trends

  • Laura Petrecca of USA Today writes that employers are increasingly using technology to track and monitor employees. They do so for a variety of reasons, including monitoring to ensure productivity; to ensure that trade secrets are protected, and to ensure maintenance of professional and lawsuit-proof workplaces. Next month, the U.S. Supreme Court will hear a case that will explore privacy rights for employees when using employer-supplied devices. View some of the tech monitoring techniques that are being used.
  • NPR has been running a series on work-life balance and the increasing number of employers who are turning to flexible work schedules. You can read more about it at HR Web Cafe: Work-Life Balance and Flex Work.
  • Employee compensation costs – Private industry employers spent an average of $27.42 per hour worked for total employee compensation in December 2009 (PDF), according to a report issued last week by the Bureau of Labor Statistics. Wages and salaries accounted for 70.8% of these costs, while benefits accounted for 29.2%. Of the benefits, 8.2% were for the cost of legally mandated benefits.

CT crackdown – Connecticut employers take note – Attorney General Richard Blumenthal is planning a crackdown on workers that are misclassified as independent contractors. “Among the commission’s recommendations: increase the penalty from $300 per violation to $300 a day per violation, strengthen criminal sanctions against misclassification and jointly investigate misclassification complaints with other state agencies.”
Immigrant workers – In light of a recent Iowa Supreme Court ruling in a case involving a nonresident alien, Roberto Ceniceros posts about immigrant workers and benefit complexities. To stay current on other related issues, we refer you to Peter Rousmaniere’s Working Immigrants.
Toxic chemicalsThe Environment News Service writes that the Obama administration is giving mixed signals on right-to-know for toxic chemicals. On the one hand, to increase transparency, the EPA is providing free web access to the Toxic Substances Control Act Chemical Substance Inventory. This is the first time that employers will have access to thousands of industrial chemicals in the agency’s database. But in a move that seems at odds with the administration’s stated commitment to transparency, OSHA is proposing a reduction in the hazard warning information that chemical manufacturers must provide to workers, customers and other users. OSHA denies that it is weakening protections, and according to the article, claims that it is “merely trying to conform with global labeling rules and that manufacturers often disagree with the cancer hazard evaluations and other advisory information.”
Medical marijuana – We suspect we’ll be seeing more stories like this: Walmart fires Michigan man for using medical marijuana.The store fired 2008 “Associate of the Year” Joseph Casias when he failed a drug test. Casias has sinus cancer and a brain tumor and has an authorized medical marijuana card. He uses marijuana to control pain at night, but claims that he is never under the influence at work. (See our past posts on this topic: The current buzz on medical marijuana and the workplace and One toke over the line.)
Kemper runoff – Hard to believe that it’s been six years, but the Kemper runoff saga is nearing conclusion, according to Business Insurance. Some call this “one of the most successful runoffs in history,” but not all agree. Some are waiting for liquidation to see if they will fare better than the reported 25 cents to 50 cents on the dollar that claims are being settled at:

“A decision to wait for liquidation or settle beforehand should depend on a cost benefit analysis that includes evaluating whether state guaranty funds for workers compensation claims are likely to pay for the majority of a policyholder’s claims, several experts said.

Workers comp claims account for the largest portion of Kemper’s outstanding liabilities, totaling about $600 million, Ms. Veed said.

But some states have net-worth exclusions, which eliminate guaranty fund coverage for companies above certain net worth levels, which range from $10 million to $50 million depending on the state, several sources said.”

Cavalcade of Risk #100 (!) and other news of note

Wednesday, March 10th, 2010

Is the 100th time the charm? Cavalcade of Risk celebrates its centesimal issue today – that’s a lot of risk coverage! Our host for this landmark issue is Russell Hutchinson of moneyblog – tip of the hat to him for a good issue. And kudos to Cavalcade founder and visionary, Hank Stern of InsureBlog.
Chronic Pain – a few weeks ago, we brought you one approach to chronic pain management. In Risk and Insurance, Peter Rousmaniere discusses the CT Workers’ Compensation Trust approach to chronic pain. This self-insurance pool of 390 healthcare employers introduced a a five-pronged program in 2009, which Rousmaniere outlines. He challenges readers to “consider how many of the five you or your vendors apply.”
Uncovered in Georgia – a loophole left 88 injured workers without workers’ comp coverage on the recent failure of Atlanta-based workers’ compensation insurer Southeastern U.S. Insurance (SEUS) Inc. Normally, the state’s insolvency pool would serve as a safety net for failed insurers, but up until a law change in 2008, captive insurers were not covered by this pool. While SEUS had converted from captive to become a traditional insurer, 88 workers claims predated the conversion and are responsible for their According to the article, “Eight of those workers have catastrophic injuries and will need lifetime care. One has medical needs exceeding $45,000 a month.”

“Twelve other firms that operated under rules that exempted the failed company’s clients from drawing from an insolvency pool still do business in the state. And while they all now pay into that pool, 10 have claims predating the 2008 change in the law that required them to do so.
If any fail, workers with active pre-2008 claims could find themselves in a similar bind. State insurance regulators say they don’t know how many people ultimately could fall in that category. But they say they don’t think any of the 12 companies is in danger of failing.”

Mad as a hatter – On the recent release of Tim Burton’s Alice in Wonderland, the CDC reminds us that the phrase “mad as a hatter” originated from on-the-job mercury poisoning. To shape felt hats, hat makers used a solution of mercuric nitrate and, as a result, often suffered from agitation, tremors, slurred speech and other neurological symptoms – thus, “mad as a hatter.” Hat manufacturers used mercury until 1941. Mercury is still used in many industries and the CDC article has some interesting statistics, as well as a page devoted to recommendations, reports, and other resources for preventing hazardous exposures to mercury on the job.
Fatal Injury mapping – via Occupational Health & Safety, we learn that OSHA has introduced a new fatal injury mapping module, which “…allows users to create customized, color-coded maps of injury-related death rates throughout the United States. It defines injury-related deaths according to intent (e.g., unintentional, homicide, suicide) and mechanism of injury (e.g., motor-vehicle traffic, fall, fire or burn, poisoning, cut).” CDC’s Fatal Injury Mapping Module. Other data and statistics are also available from CDC’s WISQARSTM (Web-based Injury Statistics Query and Reporting System), an interactive database system that provides customized reports of injury-related data.
NY crane deaths followup – Liz Borowski of The Pump Handle offers and update on the 2008 crane NY crane disasters. The owner of the city’s largest construction crane company is expected to be indicted for manslaughter in the death of two workers in one of the incidents. She also updates status on OSHA’s crane & derrick rule.
Legislator, heal thyself – More than 70% of congressional offices violate OSHA safety standards – but the good news is that violations have dropped. “The number of Occupational Safety and Health Administration (OSHA) violations found in each office has significantly decreased over the years as well — from an average of about 8.15 violations per office in 2007 to an average of 1.75 hazards in each office this year.” (via Advanced Safety and Health)
March is workplace eye wellness monthReliable Plant offers some tips on eye and face protection. Other resources: OSHA Eye and Face Protection; NIOSH: Eye Safety; National Safety Council: Protecting Your Eyes from Injury; Healthy Vision 2010: Occupational Eye Injuries
Briefs

Joint and Several Bust

Monday, December 14th, 2009

Back in June we blogged the failure of several self-insurance groups (SIGs) in New York, all run by Compensation Risk Managers (CRM). There was bad news all around: participants in CRM SIGs were suddenly without coverage; and participants in other (non-CRM) SIGs were hit with a huge surcharge to make up the deficits created by CRM’s deficient management. Now the proverbial “other shoe” (presumably a Gucci) has dropped, directly on the heads of CRM managers: the company has been indicted by Attorney General Andrew Cuomo for fraud and sued by the state comp board. CRM is having what appears to be a well deserved, terrible, horrible, no good, very bad week.
In their own defense, CRM asserts that problems are industry wide:

According to the WCB’s website, of the 65 self insurance workers compensation trusts authorized by the WCB and subject to its oversight and regulation, as of November 2009, 32 were either insolvent, being terminated or were underfunded, 13 had been voluntarily terminated and only 20 were operating with no fiscal issues and no regulatory restriction. Compensation Risk Managers managed 8 of these 65 trusts. The Company believes that an industry-wide problem exists and that the WCB has unfairly singled the Company out. The Company intends to defend the WCB litigation vigorously and prove that the WCB’s unsubstantiated allegations are utterly without merit.

In other words: don’t hold us accountable for something everyone is doing.
Well, maybe other SIGs are in bad shape, but CRM is under fire for operating the insurance equivalent of a Ponzi scheme: the indictment charges that they deliberately under-reserved claims, leading to under-stated losses. The resulting “healthy” loss ratios became the basis for under-pricing the rest of the market, which led to increased membership in their self-insurance groups. The new premiums helped CRM keep up with increasing payments. It all came crashing down when insufficient reserves ran out and payments exceeded available cash. Heck, the experts at Madoff Consulting guaranteed that it would work… right up until the moment it didn’t.
Joint and Several Liability
Most people buy insurance with stand-alone policies. Each company is the master of its own fate. If the company performs well, they benefit from lower premiums. If losses are high, the experience rating process leads to higher premiums. As long as the carrier remains solvent (not a given these days), there are no big problems.
Self-insurance groups are different. They involve a much higher level of trust (and risk): not only are you accountable for your own losses; you are on the hook for the losses of other group members. A SIG is only as strong as its weakest member. Indeed, SIG participants in New York discovered that they were on the hook for losses in other SIGs, through a painful surcharge imposed by the comp board.
This brings to mind the response of the immortal Groucho Marx to an invitation to join an exclusive club: “I don’t want to belong to any club that will accept me as a member.” That’s just the kind of thinking that might have helped the unfortunate companies who find themselves swinging in the wind at the end of CRM’s tattered rope.

Turkey Shoot

Thursday, December 3rd, 2009

William Wehnke, 51, claims to have spotted a wild turkey in his field in rural Annsville, New York (population 3,000). He took aim and fired at the turkey and managed to hit Matthew Brady, a workers comp investigator, who happened to be crouching in the field, dressed in camouflage. Brady was apparently performing surveillance on Wehnke, who is collecting workers comp benefits for an unspecified injury. Whatever his disability, Wehnke is obviously capable of operating a shotgun.
Local authorities are not buying Wehnke’s story about the turkey. He’s been arraigned on a three-count grand jury indictment that includes felony second-degree assault and unlawful manner of taking. He is even charged with using inappropriate ammunition for hunting turkeys. Wehnke is in a lot of trouble for his little turkey shoot.
Investigator Brady was hit in the side, back and legs. He underwent surgery and presumably filed his own workers comp claim for what is surely a work-related – if highly unusual – disability.
Images – Lasting and Otherwise
I could not help but think of the other Mathew (sic) Brady, the 19th century photographer whose iconic images of the Civil War still resonate with us. As pathetic as investigator Brady’s situation is, his earlier namesake fared even worse. After the Civil War, Mathew Brady found that war-weary Americans had little interest in purchasing photographs of the bloody conflict. Having risked his fortune on his Civil War enterprise, Brady lost the gamble and fell into bankruptcy. His negatives were neglected until 1875, when Congress purchased the entire archive for $25,000, which might sound like a lot, but was not even enough to cover Brady’s debts. He died in 1896, penniless and unappreciated. In his final years, Brady said, “No one will ever know what I went through to secure those negatives. The world can never appreciate it. It changed the whole course of my life.”
The world may ultimately take little note of the suffering of the other Matthew Brady, wounded as he crouched in that desolate Annsville field. His life, too, has been significantly changed. But he at least will benefit from the wonders of modern medicine and the cushion of weekly indemnity, until he once again pursues his craft as a comp investigator. But the next time he is asked to don camouflage, he just might want to take a pass.

9-11 Workers Compensation – Report on 45,000 World Trade Center Cases

Friday, September 25th, 2009

In September, the New York State Workers’ Compensation Board released a 59-page report on World Trade Center Cases in the New York Workers’ Compensation System (PDF), along with a reminder that the clock is ticking for rescue and clean-up workers to register service. The registration deadline is September 11, 2010. Registering puts a stake in the ground to preserve the right to benefits should they be needed at a future time.
The data is a significant historical record and analysis of the largest single workers compensation event in insurance history. Report findings are limited to claims covered under the New York State Workers’ Compensation Law so do not include police, fire, or sanitation workers, federal employees, out-of-state employees, and people who were not working.
For a sample of the report, here is an executive summary of the 9-11 Workers Comp report taken from a press release issued with the study:

Among All Cases
The Board has 13,676 workers’ compensation cases resulting from the World Trade Center disaster. This study focuses on the 11,627 cases where there is comprehensive claim data. More than half the cases were for victims of the attacks, and about 40 percent were for rescue, recovery and clean-up workers. In 5,220 cases, the Board received an initial filing but no medical evidence supporting the claim, or the worker did not pursue the claim (by filing information or attending a hearing). The Board is actively contacting those workers, to determine why they did not pursue their claims. Carriers disputed 40 percent of World Trade Center cases, more than twice the rate of other claims. Three-quarters of all cases were filed before 2004. Only 4 percent of cases have open issues.
Death Cases
There are 2,064 death claims; 2,058 were for people killed in the attacks. The Board has just three death cases for rescue, recovery and clean-up workers. There were three other fatalities, as well. Fifty-two domestic partners of victims received a death benefit, under special provisions of a 2002 law.
Rescue, Recovery and Clean-up Cases
In 4,670 claims, rescue, recovery and clean-up workers received benefits. Nearly 90 percent of these cases are for respiratory system diseases. The Board has received 39,151 WTC-12 forms since 2006. On a WTC-12, the filer states he or she performed rescue, recovery and clean-up efforts for the World Trade Center, in an area south of Canal St.; at Fresh Kills Landfill; on the barges, the piers, and at the morgues. While not a claim, it preserves the right to future benefits, should one ever need them. Gov. Paterson signed legislation last year extending the deadline to Sept. 11, 2010, for World Trade Center workers and volunteers to file a WTC-12. Since beginning a national publicity campaign in June 2008, the rate of filings has increased more than tenfold.

Thumbs Down on New York Texting Ban?

Tuesday, September 1st, 2009

As a follow up to Julie Ferguson’s gruesome imagery from Monday’s blog, we find Clyde Haberman’s entertaining piece in the New York Times about the state’s new statute outlawing texting. As of November 1, it will be illegal for anyone to drive and text in the Empire State. Haberman goes on to write:

If any law may be described as a no-brainer, this one is it. You have to be certifiable to think that you can stare at a small screen and thumb-type on a tiny keyboard for five or six seconds while going 65 miles an hour, and not be a potential threat to everyone in your path. In the opinion of many safety experts, self-deluding multitaskers have had their way long enough. It’s time for some multi-tsking to rein them in.

Bravo, Clyde! But Haberman goes on to say that the new law is pretty toothless. “It doesn’t throw the book at texters so much as it tosses a few pages in their direction.” (Shades of Keith Olbermann?)
The problem is in enforcement. The new statute will only receive “secondary” enforcement, which means that a fine may be imposed only if the police find some other violation, such as speeding or running a red light. Beyond that, the maximum penalty is only $150. That’s chump change for the high rolling multi-taskers who clog New York’s multitudinous arteries.
Live Free and Die?
Haberman interviews Judith Lee Stone, president of Advocates for Highway and Auto Safety, a Washington lobbying group. She says “secondary enforcement is not OK, and there’s no reason for it.”
The good folks in New York like to creep up on enforcement. When they first initiated a seat belt law, they began with secondary enforcement and eventually moved to primary status. All states now require seatbelts, with the notable exception of New Hampshire, which exempts adults over 18 from the mandate.
“It must be that “Live Free or Die” spirit,” Haberman quips.
To which Stone responds, “Live free and die, I’d say.”
The low budget ($20,000) video was produced by the Chief Constable of the tiny town of Gwent in SE Wales UK. The video has become a You-Tube sensation. The Insider humbly suggests that New York legislators check it out and then revisit the enforcement section of the new law. No one wants to suffer injury or even death just because some twit can’t wait to for the proper time to communicate something that, in the scheme of things, most certainly can wait.

News roundup: Health Wonk Review, WC recovery, fatalities, joint & several, AIG and web tools

Friday, August 21st, 2009

Things are sure getting ugly out there in the national debate on health policy. Read what the health policy wonks in the blogosphere have to say about all this – a fresh Health Wonk Review is posted over at David Williams Health Business Blog.
The recovery and WC – Joe Paduda offers an excellent analysis of the likely impact of economic recovery on various segments of the workers comp industry in his post The recovery is coming – what does that mean for work comp? He offers a word of caution for employers: as hiring increases, so too will injuries. “The good folks at the NCCI have looked at the impact of economic recoveries on workers comp, finding “Job creation is related to an increase in the proportion of workers who are inexperienced in their current job and, hence, more likely to sustain a workplace injury.”
Work fatalities down, suicides up – The good news: “A total of 5,071 fatal work injuries were recorded in the U.S. in 2008, down about 10 percent from a total of 5,657 fatal work injuries reported for 2007, according to preliminary government figures.” However, some of the drop is attributed to the economy and a decline in the number of hours worked. Researchers also think that numbers may be lagging since budget constraints at reporting agencies may have delayed classifying cases. One of the most troubling parts of the report is that workplace suicides were up 28 percent to a series high of 251 cases in 2008 – “…the highest number ever reported by the fatality census. Suicides among protective service occupations rose from 14 in 2007 to 25 in 2008.” Read more about the report in Insurance Journal’s story, Fatal Work Injuries Dropped 10% in 2008; Down 20% in Construction.
Joint and Several Liability in action – Roberto Ceniceros blogs about the hefty bills that some New York employers are facing after the demise of self-insured trusts (aka SIGs) in his post Self insuring comp claims has its risks. About 1,789 will be footing about $133 million in unfunded workers comp claims – an average of about $74,000 per employer.
AIG wins one – An NCCI suit alleging that AIG has been shortchanging state workers comp pools for 35 years was dismissed by a federal judge yesterday, but the suit was dismissed on a legal technicality, with no ruling on the actual charges.
Web tools – here are a few good web tools we’ve come across in our travels:
Choose the Best Search for Your Information Need – a guide to some specialty search engines
Wordnik – An ongoing project devoted to discovering all the words and everything about them. We’re liking this, and also recommend our long-term favorite word tool, OneLook.
Meeting ticker – log the number of attendees, enter the average hourly rate, and start your engines. You’ll be surprised to learn how much meetings cost!
ParkWhiz – find and reserve parking before you get there. Enter a date, time & address and get nearby parking garages, rate comparisons, and distance from your destination.
Down for everyone of just me? – enter the address of a website to see if the site is having a widespread problem or if the problem with the page is on your end. It’s surprisingly useful!