workcover is so stressful it is linked to poorer health

workcover-stress-claims

As we recently discussed in our article “Injured workers who have drawn out workcover cases recover more slowly“, a new study suggests that the stress from being on workcover, including engaging a personal injury lawyer, could be linked to a poorer recovery.

Those who litigate (i.e. frequent disputes, common law etc.) also tend to have much worse long term health outcomes than those who don’t. Whilst any injured worker who has been on the adversarial workcover system would be able to tell you that, it seems researchers from Stanford University studying our workcover (and TAC) claim history found that the stress of filing a workcover (or TAC)  claim may actually increase the severity of disability over the long term. We’re pretty confident their results are indeed correct, but -importantly- this formal study should give those in the workcover industry another reason to look at their highly adversarial and protracted procedures and processes, as they may be costing them much more than they think!

Workcover is so stressful it is linked to poorer health

workcover-stress-claims

Stress of filing injury claims linked to poorer health later

Based on article in Reuters 12 Feb 2014

A recent survey of Australian workcover and accident (TAC) victims found that claims stress often comes from confusion about the process, delays and related medical assessments.

Those who were most stressed by filing a claim tended to have higher levels of disability years later.

Study author David M. Studdert of Stanford University in California said past studies have compared people who filed for compensation to people who did not, but those groups might have different types of injuries to begin with.

Another aspect to consider is that people who file claims have an incentive to exaggerate their symptoms to receive more compensation for longer.

“The novelty of this study was to look within a group of claimants to test whether those who reported experiencing the most stress also had the slowest recoveries,” Studdert said. “They did.”

He and his colleagues polled a random selection of more than 1,000 patients hospitalized in Australia for injuries between 2004 and 2006. Six years later, 332 of the patients who had filed for workers’ compensation or another accident claim told the researchers how stressful the process had been. Claims can take four to five years to conclude, Studdert noted.

A third of the claimants reported high stress from understanding the claims process and another third were stressed by delays in that process. A slightly smaller proportion said repeated medical evaluations and concern for the amount of money they would receive were sources of stress.

Negative attitudes from doctors, friends, family or colleagues, on the other hand, did not seem to be common sources of stress.

People with the most stress tended to score higher on a disability scale and have higher levels of anxiety and depression and lower quality of life, the researchers reported in JAMA Psychiatry.

“While it’s intuitive that the compensation process is going to be stressful for some claimants, what is less clear is whether that stress has a substantial impact on recovery many years after the injury,” Studdert said. “We were surprised by the size of the compensation effects on outcomes like level of disability and quality of life – they were fairly strong,” he told Reuters Health.

When the researchers took into account that some patients seemed to be more vulnerable to stress from the start, the link between claims stress and long-term recovery was similar but not as strong.

“There is much debate at the moment about the role of ‘systems,’ in this case ‘compensation systems’ on health outcomes,” said Michele Sterling, who studies injuries and rehabilitation at the University of Queensland in Herston, Australia. She was not involved with the current study.

“If it can be established which parts of the process cause stress and/or poor outcomes or recovery then the system could look at targeting these specific areas and improve them,” Sterling told Reuters Health. “Some insurance regulators are already trying to do this in some areas.”

This study deals with severe injuries that require hospitalization, and her own research focuses on more minor injuries, she noted, but the relationship between stress and health is likely the same, she said.

She has found that post-traumatic stress symptoms predict poor recovery, and that could be worsened by stresses in the claims system, she said.

It is still worthwhile for patients who have sustained a serious injury to file a claim, Studdert said.

“Compensation serves an important function, especially for people who must drop out of the workforce for a period of time,” he said. “The financial support can be critical.”

“Our study joins many others that show the rate of mental health problems among people who are injured is astonishingly high,” he said, adding that medical systems are excellent at treating physical injuries but not as good at treating mental conditions.

“I think the point that needs to be made is that those managing these systems, insurers or workers’ compensation boards, or no fault automobile compensation schemes, should realize that they are undermining their own mission of getting workers back on their feet if the process is unnecessarily stressful,” said Katherine Lippel, who studies occupational health and safety law at the University of Ottawa in Ontario, Canada and was not involved in the study.

The authors suggest that compensation schemes could be redesigned to get the process over with quicker and make it easier for patients to understand, which could alleviate some sources of stress.

SOURCE: bit.ly/1boZNiZ JAMA Psychiatry, online February 12, 2014.

This study (funded by workcover and TAC) should give those in the workcover industry another reason to look at their (highly adversarial and protracted) procedures and processes, as they may be costing them much more than they think!

As noted above, Studdert and his fellow researchers recommend that programmes such as workcover could be redesigned to respond faster and make it easier for patients (injured workers) to understand.

Surprise, surprise… ! We can’t help but wonder if those working in the workcover industry (i.e case managers, insurers) are really not aware that their very expensive (yes!) and misguided attempts at controlling costs have no ramifications on the injured worker? Delaying vital medical treatment (and like), delaying claim approval, any other form of approval, be it for an MRI, surgery, home help, psychology treatment etc, putting the injured worker through conciliation after conciliation, IME after IME… Helloo? Are these morons that far removed from reality? Do they live on another planet? Don’t they see that any unnecessary delay causes enormous stress and pressure on someone that has been injured and is worried sick about their condition and the impact it has on their lives, incl financially? Don’t they keep a running balance sheet and see how much they actually spend in order to attempt to deny a perfectly legitimate benefit? $800-$1000 per IME, $5000 flat fee for a medical panel, about $2000 for a conciliation… Easily K10 wasted on for example $500 worth of home help!

We were also  struck by one study quote : “A slightly smaller proportion said repeated medical evaluations and concern for the amount of money they would receive were sources of stress.” While the researchers repeated medical evaluations (as in IMEs)  as a point of stress, they also implied that injured workers did not focus on the quality of care or restoration of function. Instead, they focused, at least to these researchers’ questions, on the amount of money they would receive. This is utter crap! We ask, how on earth is the injured worker to focus on their recovery when every step is barricaded? Our own treating specialist’s opinions are routinely questioned, case managers play God, and we’re sent to countless known hired guns for “assessment”. Requests for surgery, medical treatment, physio, psychology, home help etc are routinely denied and the injured worker (and his/her treaters) are left to fight for every scrap. It is extremely difficult to get better within this adversarial system! And no, injured workers don’t so much care about money (compensation) but start to become obsessed by how much medical and like services they can obtain, so they can get better!

As we’ve mentioned several times before workcover should not be called workcover or workers compensation, but work recovery or workers compensation recovery. Case managers should perhaps be replaced by skilled and trained “recovery specialists”, who would work together with the injured worker and his / her treaters with one goal, namely restoring whatever function possible to the injured workers’ lives.  This would inevitably also greatly improve our return to work rates! Point being those managing our workcover (and TAC) systems should indeed realise that they are undermining their own mission of getting injured workers back on their feet if the process is unnecessarily stressful.

Surely many insurers and their employees (i.e. case managers) have known for decades that denial, delay and complexity (i.e. disputes, bureaucracy, IMEs etc) have been working against the yielding of better results/outcomes for injured workers?! If not, well now they have a formal study that gives a bit of definition to what’s causing all the insults to injured workers.

The workcover drawn-out, bureaucratic and highly adversarial “processes” are simply unnecessarily stressful to injured workers.

The evidence is mounting that workcover insurers’ obsession about cost control (on every claim) and fraud (oh yes… off to my soapbox again…) is simply not working and not giving way to the results the workcover system origninally intended.

It is the workcover insurers (and their employees) who now need to fix this problem, and stop aggravating it. And that, folks, must surely be  a very stressful thought to workcover et al!

 

[Post dictated by WCV and manually transcribed on behalf of WCV]



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5 Responses to “workcover is so stressful it is linked to poorer health”

  1. I Am finding it very difficult to understand why workcover doesnt help or listen to me etc. I have been to conciliation 4 times, twice over a wage rise of $8.00 per week & twice to inform them that the date of injury was 12 march 2007 not 22 feb 2007…. Yes ive been on workcover that long (7yrs)& take pain killers etc & have bad P.T.S.D. I had a lawyer but after 3 years they signed out of my case as i was hurt at work in QLD but live in victoria. I was a strong Re-fit supermarket Senior supervisor & worked alot of hours. (I did 5 store in queensland changing bi-lo to coles) I have 3 adult kids but at the time my oldest had turned 18 on 12 MARCH 2007. I was assulted by a shelf worker that afternoon. Filled out incident report etc, i had cuts on my eye etc & they have not even thought about my body with broken ribs, collapsed lung, brain drain, kids or how i now live.. I wont go out unless i must etc.. Ive read alot of the compensation reports youve done but why have i fallen through the cracks in life? im wondering why im alone with this i suppose. thanks

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    • Hi Judy,

      Firstly, I am so sorry you are going through such a horrible time with workcover.

      Like you and many others, I have had a similar experiences and treatment by workcover, their insurers and their lawyers.

      I imagine that you employer is self-insured (if a major supermarket major) – and therefore world have total access to every aspect of your work history.

      As I found myself, if your injury has a psychological component, particularly PTSD, they will fight you every inch of the way. PTSD is an emotional roller coaster itself and being ignored or harassed or bullied by workcover only exasperates your symptoms.

      Why won’t they help you? Well, in brutal terms, treatment is costly and depending on your psychological vulnerabilities, may need to continue indefinitely.

      The usual deal is to keep the pressure on and hope you will walk away. Trust me, I believe you can only start to make improvements in how to better manage your symptoms once you are out of the workcover system.

      Have you been assessed for WPI for your physical and psychological injuries? By truly independent IMEs, not the hacks your employer will send you to. Without a WPI you have nothing to bargain with or put pressure back onto the employer to try to reach a settlement.

      The is no such thing a fair and reasonable settlement in the workcover system. If, for example, you are assessed (permanent impairment) as unlikely to return to the workforce, then, I would imagine that the employer would be fairly keen to settle. However, you would be doing well to get a settlement that is 30%-40% of what you would have been entitled to, if you choose to stay in the system.

      Talk to your psych and your GP and discuss some options.

      Moving interstate does not affect the conduct of your claim in Qld – it will cost you travel and accommodation expenses and that is not reimbursable.

      Again, talk to your accountant, as travelling interstate for workcover (your employment) could be tax deductible as the travel expenses were necessary to maintain your workcover benefits.

      Good luck.

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  2. I have a psych & dr that i see every 2 weeks.. I believe it makes my life worse having to explain the same pain & sadness for 7 years… when is this going to stop? Are they just gunna keep paying me a small amount cause im on a disability centrelink pay? I find it difficult to hear i might be an amputee as a rib near shoulder blade was removed & my shoulder gets stuck… All the xrays in the world & nerve tests, p.t.s.d etc are all proven but yet i live poorer than my adult kids who get more income per week than me on centrelink.. when i read how ppl get a pay out for falling on a floor or falling off a chair & they get a payout it actually makes me feel useless & very ignored. How long will they keep me on workcover? i was a re-fit supervisor to change stores etc.. I had Muscles etc & i worked hard. My wage slips were not coles as they employed a company to fix the stores. that company folded & ran to U.S.A 2 weeks after i was assulted by a guy at work… Im thinking reading these (payout stories) are making me feel the anger i get cause i can never work again… p.s… I never lived in Q.L.D to work, i was their for 5 weeks to do 4 stores as i was a senior supervisor etc, then i was to fly home. Im thinking reading all this payout stuff is really sad especially when ppl battle like me & get treated like a hot potato. Anyway.. Thanks for showing me everyone is different & a 38kg depressed & always in pain person doesnt even get help. (Other than the dr giving me oxy pain killers, tem tabs, antibiotics, diaz, puffers,etc) I now have osteo as ive been idle so long. im in my 40’s & the guy who bashed me doesnt even know what he has done to my family or me.. Im a single mum. Ive had no help.. Redundancy??????

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    • Weren’t charges pressed?
      You shouldn’t have to live like that Judy, sometimes fronting your GP can make a difference. Tell him/her your not happy with how things are, and is there anything else you can do or someone else you can see to move on from this….
      It doesn’t matter where the firm is that hired you, you are covered by workcover.
      My ex has moved to QLD to be with his family, after doing his shoulder, and he is paid to travel to Melbourne for appointments and his accommodation.
      Also seek out a pain clinic. or get a referral to one…. they have all sorts of ways of helping….

      All the best with it all

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  3. Its not bad enough that we are injured, it is also filling out the forms and then jumping through hoops. Its not that we want to claim, but if you don’t how can one afford the medical bills…
    I sought legal advice, only after I started getting the run around, I even did my first conciliation by myself…
    They say that as I have legal representation, that I now have a poor outcome, have to laugh at that… I felt I was going crazy before getting the help. At least now if things get too much I can hand it off to the solicitor…
    I get severe headaches, often can’t think clearly, my dominant arm is wasting and regardless of how much I use it, it keeps getting weaker. I don’t whinge all the time about the pain, but am made to feel that I am nothing but when I see an IME…
    More stressors…
    For any of you that are on Anti depressants…. Ask your Dr about Valdoxyn… you do need liver function tests done regularly but I have felt heaps better since being on it…. It is costly, even on PBS its around $50 for 4 weeks (28 tablets), I sleep better, and am not so drowsy during the day, I also have a clear mind and am no longer foggy. A great move forward.

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