Til deaf do us part... Some thoughts on work-related hearing loss claims
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- Charlotte Georgia Black
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1 Til deaf do us part... Some thoughts on work-related hearing loss claims Julie Evans, Peter McCourt & Andrew Higgins The views expressed in this presentation are our own and do not necessarily represent those of the organisations for which we work
2 What is noise induced hearing loss? Partial or complete loss of hearing due to exposure to loud noise Typically over a period of time Effects are permanent A.k.a. Industrial deafness, etc Covered by all workers compensation schemes in Australia and NZ
3 Why should you care? Hearing loss claim only represent about 5% of claim numbers..and a smaller proportion of costs But they have unique features and present a challenge for both claims managers and actuaries
4 12,000 10,000 8,000 6,000 4,000 2, and the volume is unpredictable Victoria Hearing Loss claims 2008/ / / / / / / / / / / / / / / / / / / / / / / /08 report year
5 What is it that makes hearing loss claims different? #1 Benefit profile #2 Deeming an injury date #3 The reporting tail #4 The age profile #5 Influence of provider behaviour #6 Specific legislative response #7 Assessment issues
6 Typically... #1 Benefit profile involve no lost time receive a modest statutory lump sum may also have entitlement to hearing aids In Vic, around 60-70% of claims that receive a statutory lump sum also receive a hearing aid with some associated costs (impairment assessment, aid fitting and adjustment costs, replacement hearing aids)
7 #1 Stark difference in profile Victoria General claims mix of payments Victoria Hearing Loss claims mix of payments Common Law 22% Weekly 36% Impairments 54% All Other 15% Impairments 6% Medical 21% All Other 8% Hearing Aids 38%
8 #1 - Entitlement Levels $175,000 Impairment entitlement level by NAL hearing loss % Entitlement level $150,000 $125,000 $100,000 $75,000 $50,000 $25,000 $0 total deafness 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% NAL hearing loss % Victoria NSW WA QLD
9 #1 Implications for reserving Separate analysis often warranted Victoria: Maims Lodgements 2,500 2,000 1,500 1, / / / / / / / /09 report year General (LHS) Hearing Loss (RHS)
10 ... and it s not just the lump sums Hearing aids can be periodic (albeit with gaps in between) Long tail Take-up rate for replacements may increase ageing population improved devices, and new technology growing acceptance?
11 #2 Deeming an injury date Issue for gradual onset generally Two examples of approaches in use: Victoria: last day of applicable employment, or, if still so employed, date of claim New Zealand: (typically) the date treatment was first sought Difficulties from potential mismatch between timing of exposure and claim
12 #3 - The reporting tail Example: Impairment lodgements in Vic; 1998/99 injury year Historical lodgements Injury year ending June Dec-99 Dec-00 Dec-01 Dec-02 Dec-03 Dec-04 Dec-05 Dec-06 Dec-07 Dec-08 Lodgement quarter General (LHS) Hearing Loss (RHS) 0
13 #3 - The reporting tail Confuses reporting trends when not examined separately IBNR implications Issue for gradual onset generally
14 #4 - The age profile Victoria General claims Victoria Hearing Loss claims <35 14% 35 to 44 22% 45 to 54 33% 55 to 64 47% >=65 34% >=65 6% 55 to 64 25% 45 to 54 14%
15 #5 Influence of provider behaviour Example: Both NSW an Vic experienced a surge in HL claims in the mid 1990s NSW Hearing NSW Loss Hearing claims Loss claim 12,000 12,000 Victoria Hearing Loss claims 10,000 10,000 8,000 8,000 6,000 6,000 4,000 4,000 2,000 2, / / / / / /9 1985/ / / / / / / / / / report year report year report year
16 #5 The Buble effect
17 #6 Specific legislative responses Legislation often includes explicit reference to, and provisions for, hearing loss If HL is modelled separately, changes to legislation much easier to handle
18 12,000 10,000 8,000 6,000 4,000 2,000 0 #6 Example: New South Wales NSW Hearing Loss claims 6% threshold introduced A number of changes incl. move to WPI 1991/ / / / / / / / / / / / / / / / /08 report year
19 2007/ /09 12,000 10,000 8,000 6,000 4,000 2,000 0 #6 Example: Victoria Victoria Hearing Loss claims 7% threshold introduced threshold incr. from 7% to 10% 2006/ / / / / / / / / / / / / / / / / / / / /06 report year 1985/86
20 #6 Thresholds for lump sums Victoria NSW Queensland WA NZ 10% NAL hearing loss 6% NAL hearing loss 5% NAL hearing loss Requires at least 5 years employment in noisy industries. 10% NAL hearing loss. Compensation cannot be claimed after a worker turns % hearing loss as per AMA4 Must be lodged within 12 months of retirement. Must be lodged within 12 months of retirement.
21 #6 Example: Overlay WA age restriction on Vic data WorkSafe Victoria hearing loss claims reports at June ,000 1,800 1,600 1,400 1,200 1, Financial reporting year claimants <65 years claimants >65 years
22 #7 - Hearing Loss Assessment Hearing test Assesses both functional and measurable hearing loss Limitations of most common form of testing (pure tone audiometry)
23 ... and cause not always clear Asymmetry Age-related Noise notch But what sort of noise? * Source: Thorne, 2006
24 Some final thoughts This is not just a problem of the past
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