Rehabilitation at QBE and wider.. Adam Shelverton Senior - - PowerPoint PPT Presentation

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November 2015

Rehabilitation – at QBE and wider…..

Adam Shelverton Senior Rehabilitation Consultant, QBE

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Agenda

• QBE Rehabilitation
• Emerging Risks

IOSH Rail

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What does the industry expect?

Return to work ratio*

*Wadell and Burton (2003) “Is work good for you?” 6 months absence 12 months absence 24 months absence

50%

10%

30%

IOSH Rail

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Early Intervention is…….

IOSH Rail

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QBE Return/QBE Return+ Supports Strategy for Early Notification

Early Capture Standard QBE approach All Policyholders Eligible QBE Return

Making People and Business Healthy

Early Capture Policyholder Review & Questionnaire Bespoke Rehabilitation Services QBE Return+

Making People and Business Healthy

IOSH Rail

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QBE Return

Making People and Business Healthy

The Detail

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QBE Return Easy as 1,2,3

IOSH Rail

3 1 2

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QBE Return 3 Easy Stages

MINOR MODERATE MAJOR CAT

1 2 3

IOSH Rail

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• Reduced loss of earnings

equals on average £1,107 per claim*

• 18% faster return to work**
• Proven policyholder hidden

cost savings

• Claims Prevention or Claims

Management

Benefits of Rehabilitation

* Based on policyholder and QBE analysis 2010/2015 data ** Based on QBE Data (2010/2015) against the Medical Disability Advisor: MSD cases, Moderate Manual Labour category.

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Post claim rehabilitation services

MINOR Services include:

• Treatment
• nly
• Treatment

Scoping

• Telephonic

Triage MODERATE Services include:

• Telephonic

Triage Assessment and treatment MAJOR Services include:

• Bespoke

triage and case management CAT Services include:

• Bespoke

Face to face assessment and case management

IOSH Rail

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Emerging Risks: The Ageing Workforce

IOSH Rail

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Have we got our heads in the sand?

• According to the latest Office for

national statistics report*, there are currently 1.13 million workers in the UK, aged 65 or

• ver, compared to 874,000 in

2011 when the DRA was finally phased out.

*Office of National statistics: UK labour market, January 2015

• Average age of retirement

predicted to be 67 for all in 2028.

• State pension??

IOSH Rail

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Pushing the limits of Longevity (World)

IOSH Rail

Year Developments Life expectancy at birth 1925

• Changes in health such as clean water and

better sewage and waste disposal curb

• utbreaks that were lethal to children
• 1948 – 13 year Old Sylvia Diggery treated

1955

• Vaccines for smallpox, diptheria, polio and other

contagious viruses

1985

• Public health campaigns on heart health and the

dangers of smoking reduce heart disease deaths

2015

• Improved drugs, diagnostic tests, surgeries,

disease treatments and other medical advances

2045

• Regenerative medicine may interrupt ageing?

If not conservative estimates put life expectancy at 81 (high obesity rates offsetting other gains)

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Population Pyramids

A move from this to this……. But why?

IOSH Rail

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The realities of ageing

• Muscle power, lung function, eyesight and hearing loss occurs as we

age

• Decline in Cognitive performance
• Bone mass reduces at a rate of 1% a year at 30.
• Heart – Starting at 20-30 peak aerobic capacity drops by about 10%

per decade. What’s being OLD?

• When your address book has mostly names that start with Dr
• When everything hurts and what doesn't hurt doesn't work.

IOSH Rail

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The realities of ageing - continued

• Little conclusive evidence that
• lder workers have an increased

risk of occupational accidents.

• Accidents involving older workers

are more likely to result in serious injuries, permanent disabilities or death.

• Recuperation following an injury

may take longer also if there are pre-existing / degenerative conditions.

IOSH Rail

Accident prevention is the way forward. Employers would do well to conduct health, safety and risk management audits specific to older workers to ensure their working environment is as safe as possible.

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QBE Research

QBE commissioned research amongst senior HR decision makers in November 2014. The Results

• 60% of HR decision makers did not know the number of their

company’s employees who were above the state pension age.

• 68% said their business did not monitor the cause and/or rate of

absence specifically among older workers

• 62% of respondents did not conduct specific health and safety/risk

management audits.

• 72% were not accessing the suitability of existing occupational health

and rehabilitation programmes and 74% were not reviewing flexible working practices.

IOSH Rail

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What can employers do?

IOSH Rail

1. Risk Management 2. Healthcare services 3. Prevailing Attitudes (Increased Diversity = Increased productivity) 4. Training 5. Working Practices

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The future – Trading retirement?

Increased health and improved function in later life. New models of working longer

• Parents spend more time with young children
• Sabbaticals
• Gap years

IOSH Rail

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Emerging Risks: Obesity “It’s the new smoking”

IOSH Rail

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Obesity – The Basics

BMI

• Body mass index (BMI) is used to

calculate whether a person is underweight, a healthy weight,

• verweight or obese for their

height.

• The calculation divides the adult's

weight in kilograms by their height in metres squared.

• Obesity alone – defined as a

body mass index (BMI) of 30 or more, while overweight is BMI of

• ver 25

IOSH Rail

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Guess The BMI?

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BMI Chris Robshaw 31.1 Usain Bolt 24.9 Chris Froome 19.5

Borderline Overweight (0.1) Obese Borderline Underweight (0.6)

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Obesity – A Cause for concern

• Growing problem with no signs
• f plateau.
• Obesity rates in the UK are the

highest in Europe.

• 20% of the population are now
• bese.
• Costs to the UK economy

exceed £5 billion per year

IOSH Rail

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Obesity and accidents

Accidents

• Obese workers are more likely to injure themselves.
• Obese males are 9% more likely to submit personal injuries
• Obese females are 9.7% more likely to submit personal injuries
• Falls account for 30% of personal injuries

Injuries

• Increased risk of fractures, trauma injuries, sprain and strains
• Increased risk of Type 2 diabetes
• Increased risk of heart disease / cancer / Osteoarthritis
• Increased recovery rates

IOSH Rail

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Obesity

Will it be a disability? http://www.theguardian.com/society/2014/dec/18/obesity-can-be- disability-eu-court-rules Employers fear obesity

• Many employers avoid acting, fearing that if they address obesity, workers

will complain that their employers unfairly target people who are overweight.

• BUT…. Obesity costs!!!!
• Employers have to find a balanced, considerate way to address this issue.
• Currently, only 29% of employers offer advice to employees about healthy

eating.

IOSH Rail

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Shift work – A new risk

There is early research to indicate there could be a correlation between shift work and the incidence of diabetes. This research has indicated shift work resulted in a 9% increase risk of

• diabetes. 37% increase for men alone.

What do you think are the reasons behind this rise? Could this be the new source of disease claims to overtake HAVS and deafness?

IOSH Rail

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What can employers do?

“The most effective way to approach weight problem in the workplace, is to include healthy eating and exercise as part of an overall workplace wellness initiative.”

• Beate O’Neill- Head of wellness consulting for Punter Southall Health & Protection Consulting

Workplace Initiatives

• Exercise initiatives. Cycle to work schemes, Gym discounts, Shower facilities
• Prevent shift working or remove rotating shifts.
• Encourage people to take a full lunch break.
• Employee challenges eg. Most steps in a week
• Out of work clubs eg. Sports teams
• As part of rounded wellbeing package eg advice health eating / exercise etc

IOSH Rail

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Questions and answers

Adam Shelverton, Senior Rehabilitation Consultant, QBE

IOSH Rail