"Recent research from the HSE (1) confirms QBE’s long held view that the burden of musculoskeletal disorders (MSDs) to employers is significant, with the highest cost relating to time lost from work. It is no coincidence that financial losses associated with extended lost time often make up the largest component of high-value personal injury claims, offering a component of the business case and a logical rationale for promoting proactive rehabilitation and absence management. We acknowledge the vital importance of ensuring early and appropriate intervention for those who experience MSDs, particularly where this has the potential to escalate into extended absence. In meeting this objective, the role of the case manager is pivotal in liaising between affected individuals and the organisation to facilitate a successful return to work – a point echoed within the HSE report. "
QBE INSURANCE ISSUES FORUM MAY 2007 1 OVERVIEW Recent research from the HSE (1) confirms QBE’s long- held view that the burden of musculoskeletal disorders (MSDs) to employers is significant, with the highest cost relating to time lost from work. It is no coincidence that financial losses associated with extended lost time often make up the largest component of high-value personal injury claims, offering a component of the business case and a logical rationale for promoting proactive rehabilitation and absence management. We acknowledge the vital importance of ensuring early and appropriate intervention for those who experience MSDs, particularly where this has the potential to escalate into extended absence. In meeting this objective, the role of the case manager is pivotal in liaising between affected individuals and the organisation to facilitate a successful return to work – a point echoed within the HSE report. REHABILITATION AND ACTIVE CASE MANAGEMENT OF MSDS
Transcript
QBE INSURANCEISSUES FORUMMAY 2007
1
OVERVIEWRecent research from the HSE (1) confirms QBE’s long-held view that the burden of musculoskeletal disorders(MSDs) to employers is significant, with the highestcost relating to time lost from work.
It is no coincidence that financial losses associated withextended lost time often make up the largestcomponent of high-value personal injury claims,offering a component of the business case and alogical rationale for promoting proactive rehabilitationand absence management.
We acknowledge the vital importance of ensuring earlyand appropriate intervention for those who experienceMSDs, particularly where this has the potential toescalate into extended absence.
In meeting this objective, the role of the case manageris pivotal in liaising between affected individuals andthe organisation to facilitate a successful return to work– a point echoed within the HSE report.
REHABILITATION AND ACTIVE CASEMANAGEMENT OF MSDS
2
PRO ACTIVE CASE MANAGEMENTEmployers are increasingly recognising the business case for pro-active risk management strategies to protect thehealth and wellbeing of their biggest asset – their employees. Those seeking to implement a successfulprogramme/system of case management need to consider the framework for the successful operation of such aprogramme, recognising the need for senior management commitment and liaison between relevant functionssuch as HR, H&S and front line management. This also requires defined roles, ownership and competenciesthroughout the management tiers.
Active case management is described as the goal–orientated approach to achieving specific work retention andreturn to work outcomes, where the case manager facilitates and integrates clinical and occupational managementwith the needs of the individual to ensure an appropriate and timely return to work.
An early return to work can be achieved by dispellingsome of the myths surrounding the subject, for example:
■ The employee should be 100% fit before returning
■ Returning to work increases the risk of re-injury
■ It is the healthcare provider’s responsibility, not theemployer’s, to get the employee back to work
■ A returning employee should be given ‘light duties’
■ A GP’s sick note means an employee cannot work
■ Those with pain want to stay off work as long as possible
■ The employer should not contact an individual who is absent.
Many of the factors influencing the adoption of costeffective case management and rehabilitationapproaches rest with employers and theirfinanciers/commissioners of healthcare. It is often easierto integrate these practices into large and medium-sizedworkplaces, but the same principles apply equally tosmall businesses.
3
THE ROLE OF THE CASE MANAGER
Key components of successful and cost-effective casemanagement include:
■ One case manager assigned to each employee
■ The case manager facilitates sustainable return towork by recognising and addressing any personaland occupational obstacles. In this context, the‘independence’ of the case manager to theorganisation and their ability to mediate can beadvantageous where the employee for example,‘blames’ their employer for their injury or illness.
■ The case manager interfaces with healthcareservices
■ The case manager monitors all aspects oftreatment – appropriateness, timeliness,adherence, outcome and cost
■ The case manager liaises directly with theemployer and negotiates transitional workarrangements, for example, with the line manager or OH Advisor.
The role of the case manager may be taken by anoccupational health professional or the employer. Insimple cases the employer may be able to manage thecase effectively, though for more complex cases whichare typically of longer duration, an experienced injurycase manager may be better suited to assist with theemployee’s rehabilitation.
It is also apparent that key individuals should havedefined roles and objectives. Consequently, theemployer needs to set out who does what, when andwhy? In brief, this should address:
■ Identify the key personnel who will be involved
■ Clarify their roles and responsibilities
■ Communicate clearly with all concerned
■ Provide early access to advice for those that experience MSD’s
■ Ensure appropriate treatment is identified and provided
■ Assess whether changes to the work-place are required.
If a member of staff is absent from work, employers should:
■ Keep in contact
■ Agree goals for a return-to-work plan
■ Address obstacles that may delay the employee’sreturn to work
■ Ensure that rehabilitation is focussed on work tasks
■ Monitor and review the employee’s progressagainst the return to work plan and make anynecessary changes.
4
CONCLUSIONQBE has, for many years, championed rehabilitation and absence management. Working alongside our clients andtheir Occupational Health providers, we offer a dovetailed Injury Management support service; ensuring earlyintervention for injured employees is secured with the express purpose of promoting a timely return to work.
Additionally, we provide access to highly skilled and experienced case managers who can work alongside, andenhance, our clients’ in-house functions by supporting Occupational Health staff in returning employees to the workplace.
FURTHER INFORMATION(1) HSE Research Report 493 (RR493) – ‘The costs and benefits of active case management and rehabilitationfor musculoskeletal disorders’.
This guidance has been incorporated into a model of best practice for use by UK organisations In addition the reportprovides employers with guidance on the elements that ought to be included within a policy for managing MSDs
For further information, visit: http://www.hse.gov.uk/RESEARCH/rrhtm/rr493.htm
For further advice or guidance on how we can support your initiatives to improve Rehabilitation, CaseManagement or Absence Management, please contact a member of the QBE Rehabilitation or Liability RiskManagement Teams, or other regular QBE contact.
www.QBEeurope.com/lrm
QBE European Operations is a trading name of QBE Insurance (Europe) Limited, no.01761561 ('QIEL'), QBE Underwriting Limited, no. 01035198 ('QUL'), QBE Management Services (UK) Limited, no. 03153567 ('QMSUK') and QBE Underwriting Services (UK) Limited, no. 02262145 ('QSUK'), whose registered offices are at Plantation Place, 30 Fenchurch Street, London, EC3M 3BD. All four companies are incorporated in England and Wales. QIEL and QUL are authorised and regulated by the Financial Services Authority. QUL is a Lloyd's managing agent. QMSUK and QSUK are both Appointed Representatives of QIEL and QUL.
QBE European Operations Plantation Place
30 Fenchurch Street London
EC3M 3BD
tel +44 (0)20 7105 4000 fax +44 (0)20 7105 4019
Dear reader Thank you for taking the trouble to read this publication.
QBE Risk Management believe that best practice organisations are those where senior individuals facilitate and engage in the processes of sensible risk management. We make this document available to all interest parties in an effort to share knowledge and promote good practise.
Our services are available only to clients insured by QBE in Europe. Our insurance products are sold through insurance brokers. We cannot offer advisory services to anyone else, however we would be delighted to hear if you have found this document useful or believe there are risk management issues that do not receive appropriate attention in the media.
Regards QBE Risk Management Team email: [email protected] www.QBEeurope.com/RM
Disclaimer This document has been produced by QBE Insurance (Europe) Limited (“QIEL”). QIEL is a company member of the QBE Insurance Group.
Readership of this Forum does not create an insurer-client, advisor-client, or other business or legal relationship.
This Forum provides information about the law to help you understand and manage risk within your organisation. Legal information is not the same as legal advice.
This Forum does not purport to provide a definitive statement of the law and is not intended to replace, nor may it be relied upon as a substitute for specific legal or other professional advice.
QIEL has acted in good faith to provide an accurate Forum. However, QIEL and the QBE Group do not make any warranties or representations of any kind about the contents of this Forum, the accuracy or timeliness of its contents, or the information or explanations (if any) given.
QIEL and the QBE Group do not have any duty to you, whether in contract, tort, under statute or otherwise with respect to or in connection with this Forum or the information contained within it. QIEL and the QBE Group have no obligation to update this report or any information contained within it.
To the fullest extent permitted by law, QIEL and the QBE Group disclaim any responsibility or liability for any loss or damage suffered or cost incurred by you or by any other person arising out of or in connection with your or any other person’s reliance on this Report or on the information contained within it and for any omissions or inaccuracies.
