Rehabilitation – at QBE and wider….. Adam Shelverton Senior Rehabilitation Consultant, QBE November 2015 0
Agenda • QBE Rehabilitation • Emerging Risks 1 1 IOSH Rail
What does the industry expect? Return to work ratio* 50% 30% 10% 6 months absence 12 months 24 months absence absence *Wadell and Burton (2003) “Is work good for you?” 2 IOSH Rail
Early Intervention is……. 3 3 IOSH Rail
QBE Return/QBE Return+ Supports Strategy for Early Notification QBE Return+ QBE Return Making People and Business Making People and Early Capture Early Capture Healthy Business Healthy Policyholder Standard QBE Review & approach Questionnaire Bespoke All Policyholders Rehabilitation Eligible Services 4 4 IOSH Rail
QBE Return Making People and Business Healthy The Detail 5
QBE Return Easy as 1,2,3 1 2 3 6 6 IOSH Rail
QBE Return 3 Easy Stages 1 2 3 MINOR MODERATE MAJOR CAT 7 7 IOSH Rail
Benefits of Rehabilitation • 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 * 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 . 8
Post claim rehabilitation services MINOR MODERATE MAJOR CAT Services include : Services Services • Treatment include : Services include : only • Telephonic include : • Bespoke • Treatment • Bespoke Triage Face to face Scoping Assessment triage and assessment • Telephonic and case and case Triage treatment management management 9 9 IOSH Rail
Emerging Risks: The Ageing Workforce 10 10 IOSH Rail
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 over, 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?? 11 11 IOSH Rail
Pushing the limits of Longevity (World) Year Developments Life expectancy at birth • 1925 Changes in health such as clean water and better sewage and waste disposal curb outbreaks 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 • Improved drugs, diagnostic tests, surgeries, 2015 disease treatments and other medical advances • Regenerative medicine may interrupt ageing? 2045 If not conservative estimates put life expectancy at 81 (high obesity rates offsetting other gains) 12 12 IOSH Rail
Population Pyramids A move from this to this……. But why? 13 13 IOSH Rail
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. 14 14 IOSH Rail
The realities of ageing - continued • Little conclusive evidence that older 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. 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. 15 15 IOSH Rail
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. 16 16 IOSH Rail
What can employers do? 1. Risk Management 2. Healthcare services 3. Prevailing Attitudes (Increased Diversity = Increased productivity) 4. Training 5. Working Practices 17 17 IOSH Rail
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 18 18 IOSH Rail
Emerging Risks: Obesity “It’s the new smoking” 19 IOSH Rail
Obesity – The Basics BMI • Body mass index (BMI) is used to calculate whether a person is underweight, a healthy weight, overweight 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 over 25 20 20 IOSH Rail
Guess The BMI? BMI Obese 31.1 Chris Robshaw 24.9 Borderline Overweight (0.1) Usain Bolt 19.5 Borderline Underweight (0.6) Chris Froome 21 21 IOSH Rail
Obesity – A Cause for concern • Growing problem with no signs of plateau. • Obesity rates in the UK are the highest in Europe. • 20% of the population are now obese. • Costs to the UK economy exceed £5 billion per year 22 22 IOSH Rail
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 23 23 IOSH Rail
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. 24 24 IOSH Rail
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? 25 25 IOSH Rail
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 26 26 IOSH Rail
Questions and answers Adam Shelverton, Senior Rehabilitation Consultant, QBE 27 IOSH Rail
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