Increased Opioids From Workers Comp Delayed Medical Treatment – WCRI
A recent WCRI (Workers Comp Research Institute) webinar showed that workers comp delayed medical treatment results in a higher level and longer treatment with opioids. The chart below from the presentation says it all. I will explain what the chart meant to me and why I pulled this one out of the many great tables and charts that WCRI presented with this presentation.
Two of my favorite WCRI researchers presented their findings in this webinar.
The study identifies what best predicts which patients are more likely to develop longer-term opioid use, given what is known early in the claim about the worker, nature of the injury, and nature of the medical care. These findings can help policymakers and stakeholders in targeting policies and programs aimed at reducing inappropriate longer-term use of opioids.
Workers Comp Delayed Medical Treatment = 400% Increased Claim Cost
I have studied this statistic over my 30+ year insurance career. Any delayed workers comp medical treatment costs you 400% more on average. The delayed medical treatment usually comes from a delayed first report of injury to an employer’s carrier or TPA. The delayed reporting adds in another 400% – so now the claim is now costing 800% more.
Let us look at one of the components that cause the 400% – 800% increase in claim costs. Please click on the below thumbnail if the resolution is low.
What I surmised from this one chart is that the likelihood of the first physician office visit delay results in much higher and much longer treatment with opioids. A chart paints a thousand words.
Two Keys Deal With Delayed Medical Treatment
In 1988, I wrote my first article on Workers Comp. The article is the bedrock of the CutCompCosts website.
The four keys back in the horse and buggy days were:
- Immediate First Report Filing
- Immediate Medical Treatment to Doctor Network
- Return to Work including modified duty < important term to save premium
- Employee Treatment By Employer After Return to Work
Follow the previous link to see more articles on the keys. I used to call them secrets.
Workers Comp Delayed Medical Treatment Violates the Keys
I enjoy when the rating bureaus and research organizations such as WCRI agree with what I have found to be true in my career. Before I finished this article, I emailed an agent-client where the lag time of a leasing company was less than two days.
I had told him that his insured client has no delayed workers comp medical treatment. The insured reports claims on average in less than two calendar days with immediate medical treatment. The insurance industry calls it lag time.
Their Experience Mod has dropped from 1.4 to 1.07, saving them 33%+ in premiums.
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