Showing posts with label injured workers. Show all posts
Showing posts with label injured workers. Show all posts

Friday, February 8, 2013

EAPs: Workers' Comp Payment for Psychological Harm On the March

Run, don't walk to the press release machine to announce to the world how effective employee assistance programs (EAPs) can be in helping employees who have been exposed to critical incidents and as a result helping mitigate posttraumatic stress effects and workers' compensation costs!

The restrictions on paying for psychological harm and emotional stress associated with critical incidents injuries has re-awakened in the aftermath of the Newton, Connecticut child mass shooting episode. The rationale driving the legislative reviews and arguing for paying workers for psychological harm is the 20 first-responders who have still not made it back to work because of posttraumatic stress or emotional harm. And other states are reviewing their workers' comp laws as well.

I don't see the discussion in the mainstream media about the value of EAPs, but you and I both know that EAP involvement can mitigate traumatic stress and lead to possibly less impact on first responders and therefore help to avoid Workers' Compensation payouts or at least reduce or minimize them.

This saves companies money. EAPA, now is your time to get to the New York Times and offer an interview or send a press lease enmass to respectable news outlets.

How many of these first responders are alcoholic or drug addicted persons in or out of former recovery? An EAP referral would find out. Isn't it possible that addictive relapse is involved in some of these cases? Who is going to assess that? There are a whole host of issues here to discuss as well. What is the role of the family members of first responders since this incident? How are they helping or hurting the goal of getting these employees back to work. Is it really necessary to head immediately to the legislative office to start sending these employees a paycheck? Perhaps, but what about a half-way stop with solid EAP promotion and involvement in these cases. I do not pretend to know how what is taking place in Newton with EAPs and those workers. However, I do know nationwide that many first responders do not access decent EAPs, and that loss of EAP access is growing since 1985. And with it opportunities to reduce workers' compensation costs are also being thrown out with the bath water.

We know EAPs can save money, but we also know they have been run over by a Mack Truck in the past 20 years and replaced almost universally with diminished service models that everyone knows will not penetrate and proactively pursue reaching these at-risk workers. Other employees nationwide face the same  circumstances. Want to save money? Don't fix what ain't broke. Stop the hand-wringing--EAPs are right in front of you.

Just sayin'!

Monday, November 2, 2009

Workers' Comp: Getting the EAP Involved

Most organizations of any appreciable size pay workers' compensation premiums, and for the biggest companies, they are self-insured. Companies want to keep their premiums as low and self-insureds try to reduce their costs, as well.

A CT-EAP (CT=Core Technology) can play a major cost-beneficial role in helping achieve these goals, but it takes education of human resource managers and those who control referrals after injury to pull the EAP into the picture.

This is a utilization improvement link EAPs.

Research supports the argument that empathic contact and support for injured employees received from the organization, plays a role in helping employees return to work more quickly. This saves money, and therefore a rationale exists to include the EAP in the continuum of care after injuries occur. Beyond coordinating the nuts and bolts of medical service and follow-up, figure out how to get your EAP into the care huddle and you will increase your EAP's utilization and influence by offering employees support for issues that nearly always associate themselves with injury and recovery.

Workers' comp claims are higher for addicts—five times that of non-addicted workers-is the commonly cited figure. NIAAA includes this in much of its literature, so there isn’t much argument about its validity. But this only a small piece of the EAP rationale. There is much more that EAPs can do vis-a-vis Workers' Comp.

While there has been solid promotion of EAPs using this alcoholic employee angle as a rationale to promote them, EAPs can also help injured workers no matter what the cause—alcohol, drugs, stress, absent mindedness, back luck, or mental distraction of any kind. After the injury occurs, employees often need support they aren't getting, and the EAP can fill the void.

Unfortunately NIAAA, and many other stakeholder organizations have not promoted EAPs in this way. If they had done so over the past 25 years, EAPs would be in a completely different place in their evolution. They would be household terms, and your mother would still not be calling an EAP an EPA.

Hundreds of property casualty insurers would be acquiring EAPs by now I think if this linkage were more well established. The direct role of EAPs in the workers comp cost-containment fight would have been identified and popularized.

Post-injury, some of the needs employee have to arrange are home health aides, companionship services, shopping assistance, transportation, and an empathic listening ear. Many injured workers need financial counseling and problem-solving for family problems and communication issues. EAPs are particularly adept at arranging the coordination of services or offer emotional support, and it is here they have no occupational match by another profession in the workplace. Few HR managers understand how to quickly obtain the resources above, and even fewer are want to get involved with these issues.

Workers' comp managed care firms can partner with EAPs for the intervention opportunities that exist with worker injuries. But they are not like to take the first step.

Work toward having your HR representatives or managed care companies that process workers' comp claims include EAP literature, the things EAPs can do, and other types of very direct communication with injured workers. Encourage the referral of the injured worker to the EAP for an assessment after the medical crisis and acute care period ends.

You will add points to your utilization rate by way of these referrals and improve your value as a service to employees and the organization's bottom line.