January 2024 Newsletter – MTI America
ClaimsPulse

January 2024 Newsletter

January 2024 Newsletter

ClaimsPulse360

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Issue: January 2024
HealthLink360 Newsletter

The media is buzzing with agreement about the remarkable growth and substantial success in the workers' compensation sector. A gentle nudge to all the college students out there seeking career opportunities—this could be a promising field for you! According to the article, workers' compensation coverage, which provides support to employees in case of on-the-job injuries, has remained affordable for companies and is expected to stay that way this year. Overall, businesses can breathe a sigh of relief when it comes to workers' comp. However, there are a few factors to consider, such as changes in legislation and the potential for more severe workplace injuries. Let's dive into the details!

  • Some challenges have surfaced in certain states, including mental injuries in the list of compensable claims and an increase in serious injuries.

  • The workers' comp sector has been a standout performer in the property/casualty market, helping insurance companies balance out the more demanding aspects of their business. The industry is projected to report a profit for the 10th consecutive year, resulting in reduced costs for companies.

  • However, there are some concerns that experts are monitoring. Laws are evolving, particularly about mental injuries, and there is also an increased focus on workplace violence. Some regions even discuss providing mental health coverage for all employees who experience challenging or hazardous situations at work. Comprehensive data on the costs associated with mental injuries is somewhat limited due to the recent nature of these changes.

  • It has been observed that medical costs are decreasing at a different rate than other prices. Although there are some regulations in place to curb costs for most injuries, there is a growing concern that catastrophic injuries may become more frequent. These types of injuries require specialized care and treatment, which can be costly.
 
Thought Leadership
Nikki Jackson, MBA, CPCU, ARM, CDMS
Vice President of Strategy & Marketing

US DOL: Final Rule on Worker Classification Announced

I received a question on this from a claims adjuster who primarily manages workers' compensation claims for a construction company. Sharing my oversimplified response.

You know how sometimes people work for a company as employees, and other times they work independently, like doing freelance or contract work? Well, the U.S. Department of Labor just made some new rules to help everyone understand when someone should be considered an employee or an independent contractor.

It's important because being classified as an employee or an independent contractor affects things like how much money you get paid and what rights and protections you have at work (workers' compensation laws typically cover employees but not independent contractors. If the new rules lead to more workers being classified as employees, it means a broader group of individuals would be eligible for workers' compensation benefits). The government wants to make sure that workers are treated fairly, and companies follow the rules.

The new rules basically say when deciding if someone is an employee or independent contractor, you have to look at a bunch of things. Like, if the person can make or lose money from their work, how much they've invested in it, how long they're planning to work with the company, how much control the company has over their work, whether their work is really important for the company, and their level of skill and independence.

This helps prevent companies from treating workers unfairly by calling them independent contractors when they should be employees. The government believes if workers are misclassified, they might not get paid enough or receive the rights and protections they deserve. When thinking about the types of companies, my mind immediately goes to gig economy platforms, construction and trades, tech and startups, healthcare, and transportation, but there are many others.

They also got rid of a rule from 2021 that they didn't think was quite right. The new rules are based on what courts have been saying for a long time about whether someone is an employee or an independent contractor. It's kind of like making sure everyone plays by the same rules. So, no more loopholes for companies trying to be the cool kid who bends the rules – everyone's in the same sandbox now.

It will be interesting to see how this unfolds. The changes in rules might lead to legal challenges or disputes as employers and workers adapt to the new criteria (for those of us in workerscompensation, we know employers are required to provide workers' compensation for their employees. If more workers are classified as employees under the new rules, employers may see an increase in insurance costs as they expand coverage to a larger workforce). Clarifications and legal precedents that emerge from these challenges could further shape how workers' compensation laws are applied in cases involving employee classification.

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Uncovering the Most Common Upper Extremity Nerve Entrapment

For many bustling through the daily grind, the risk of injury often lies in actions performed repeatedly. In our latest webinar on January 25th, we carefully dissected the challenges workers face when these repetitive tasks lead to upper extremity injuries. During this discussion, we explored two prevalent injuries of the upper extremity. Read More >>

Better Together: Blended Transportation Programs

Have you seen an increase in the number of missed, claims-related appointments lately? If so, you are not alone. There are thousands of missed, claims-related appointments each year. Read More >>

 

Stay Sane in the Claims Game
The Ultimate Health Update for Professionals

Desk Stretches to Help De-Stress at Work

As claims professionals, your day involves crucial tasks, from handling complex claims to navigating legal intricacies. With such a demanding workload, stress can often become an unwelcome companion at your desk. However, stress doesn't just take a toll on your mental well-being; it can also manifest physically, leading to issues like muscle tension, headaches, and poor posture. To combat this, incorporating desk stretches into your work routine can offer much-needed relief and help you power through your day with greater ease and comfort. 

The Benefits of Desk Stretches 

  •  Improved Blood Circulation: Often, long periods of sitting lead to decreased blood flow. Gentle stretching boosts circulation, delivering essential nutrients to muscles and removing metabolic waste.
  • Reduced Muscle Tension: Stretching relaxes muscles, reducing the tension that can build up from repetitive tasks, contributing to aches and cramps and potentially preventing work-related injuries.
  • Increased Flexibility and Range of Motion: Keeping your body supple with regular stretching can contribute to better overall flexibility, which is crucial for maintaining good posture and preventing musculoskeletal issues.

Stretches for Neck and Shoulders

Sitting at a desk often means hours of neck and shoulder strain. These simple stretches can ease the tension:

  • Neck Rolls: Gently roll your neck from one side to the other, holding each position for a few seconds. Avoid pushing your head backward, as this can compress the cervical spine.
  • Shoulder Shrugs: On an inhale, raise your shoulders up toward your ears for a few seconds, then release with a big exhale. Using your hands or light weights, this can be done with or without added resistance.
  • Upper Trapezius Stretch: Place one hand under your thigh, and with the opposite hand, gently guide your head to the side until a comfortable stretch is felt along the neck and shoulder. Hold for several seconds, then switch sides.

Stretches for Arms and Wrists

We often experience wrist discomfort from typing and gripping. Try these stretches to alleviate pressure in the arms and wrists:

  • Wrist Flexion and Extension: Extend your arm out in front of you with the palm facing away. Gently use the other hand to pull the fingers toward the body to stretch the wrist. Hold, then flip the hand and gently press the fingers downward for the opposite stretch.
  •  Arm Circles: Standing or seated, extend your arms to the sides. Make small backward circles with your arms, gradually increasing the size. This loosens up the shoulders and can also prevent or reduce pain from long hours at a computer.
  • Fist Clench and Release: Clench your fists and hold for five seconds, then release fully. Spread your fingers as wide as possible, hold for a few seconds, then clench again. This exercise maintains good circulation and can relieve tension.

Stretches for Back and Lower Body

Sitting is also hard on the lower back and legs. These stretches can ease tightness:

  • Seated Spinal Twist: Sit up tall and hold the back of your chair with one hand. Place the other hand on the outside of the opposite thigh. Use your body twist to deepen the stretch, looking over your shoulder if comfortable.
  • Hip Flexor Stretch: Stand up and take one big step backward. Lower your back knee to the ground and gently push your hips forward to feel a deep stretch in the front of your hip. This is an excellent stretch for when you need to head to the printer or take a bathroom break, and it also opens up the front of the body, which can tend to get tight with prolonged sitting.
  • Hamstring Stretch: While seated, extend one leg with your heel on the ground and gently lean forward, hinging at the hips, until you feel a stretch down the back of your leg. Simply fold your body forward, reaching toward your toes if you can.
 

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