Pam Palmquist, MOSERS Brian Kost, The Standard

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1 Re-Imagine Your Workplace.. With Workplace Possibilities Pam Palmquist, MOSERS Brian Kost, The Standard 1 Agenda Why Managing Absence and Disability is Important Value of an Integrated Absence/Disability Management Program Role and Importance of the Workplace Possibilities Consultant Data How to Initiate the Process Missouri State Employees Retirement System: Stay at Work 2 Total Cost of Absence Total cost of absence has only recently been the subject of research and surveys Total cost of absence = direct cost + indirect costs o Direct cost = $ paid to employee to be absent o Indirect costs = All other workplace costs due to absence Direct cost of extended disability absences may be 0.6%* of payroll Total cost of extended disability absences are 1.3** to 4.7* X direct costs * Source: Kronos/Mercer Survey Report on The Total Financial Impact of Employee Absences, ** Source: Measuring the Effects of Work Loss on Productivity with Team Production, Health Economics,

2 Indirect Costs of Absence 4 The Direct Cost of Absence 5 The Total Cost of Absence 6 2

Possibilities Consultant Definition: A disability

3 Traditional Disability Management Programs 7 Integrated Disability Management Model 8 Workplace Possibilities Consultant Definition: A disability management expert that is a nurse or vocational specialist. 9 3

4 Workplace Possibilities Consultant Consultant Goals Decrease employee absence Increase employee productivity o SAW prevents productivity loss incurred through absences o Earlier RTW improves productivity of workplace Increase employee utilization of health management programs Improve employee satisfaction/ engagement Reduce workload on HR Help decrease direct, indirect and total costs of absence/disability 10 Workplace Possibilities Consultant Key Responsibilities Conduct RTW, stay-at-work (SAW) and ergonomic interventions Connect employees to employer s health management programs Consult on accommodation/ada issues Coordinate with HR and Supervisors to arrange transitional duties Contact employees treating physicians (when appropriate) o To obtain buy in for SAW or RTW 11 Comparing Workplace Possibilities with Non-Workplace Possibilities Workplace Possibilities Disability Duration versus Disability Duration Without Workplace Possibilities Average Duration without WPP= 52 days Average Duration with WPP = 43 days HEART MENTAL PHYSICAL BACK NECK BONE-JOINT-MISC FRACTURES RESPIRATORY CIRCULATORY NERVOUS NERVOUS NO WPP WPP

5 Structure of Absence & Disability Plan Generous Vacation/Sick leave plans Vacation all full-time employees accrue annual leave. Sick leave all full-time employees earn 10 hours for each calendar month of service. There is no maximum accrual for sick leave. LTD Automatic enrollment - 90 day waiting period or exhaustion of sick leave (whichever is greater), 60% benefit. 13 Usage of Absence & Disability Plans Sick leave usage for state employees LTD claim incidence rate: 6/1000 (in 2011) Does not include IBNR Open LTD claims: From all years: 984 From 2011: The Way It Was Our LTD contract offered a Reasonable Accommodations Expense Benefit. Reimbursed employer up to $25,000 for modifications made to employees workstations, etc. Not highly utilized. Beginning to see an increase in LTD claims for employees. 15 5

Recent Experience LTD Claims for 2008 2010 16 The Way It Is Now have on-site consultants. Awareness of consultant has drastically increased utilization. Recently featured in our HR Update.

6 Recent Experience LTD Claims for The Way It Is Now have on-site consultants. Awareness of consultant has drastically increased utilization. Recently featured in our HR Update. Very well received by employees, managers and supervisors. Concerns Workplace Possibilities is being used in lieu of ADA Accommodations There have been 113 requests; 80 honored o Cost of accommodations: $226,220. Had we prevented 80 LTD claims we would have limited our liability by $1,920, (80 claims x $24, average cost) Estimated 8.5:1 ROI Estimate 3 out of 4 would benefit from the service and of those 70% would have become an LTD claim without SAW services.75 x (Confidence Level) Estimated 4.5:1 ROI = net savings of about $790,

How to Start the Process Only available to employees who qualify for LTD coverage (if employee is within 6 months of the 1st eligible date to retire, not eligible for the SAW program).

Not necessary if employee has completed paperwork for an ADA accommodation.

7 How to Start the Process Only available to employees who qualify for LTD coverage (if employee is within 6 months of the 1st eligible date to retire, not eligible for the SAW program). Stay-At-Work form - completed by the employee Please also provide work address Step 1 - Medical Records Step 2 - Letter from employee describing symptoms, etc. Not necessary if employee has completed paperwork for an ADA accommodation. 19 How to Start the Process Step 3 - Signed Release All information to be faxed to: Attention: Debbi Cross, MOSERS SAW/State of Missouri 20 Success Story #1 Occupation: Senior Office Support Assistant Condition: Left ankle fracture; left knee degenerative arthritis, rheumatoid arthritis; fibromyalgia; bilateral wrist pain Barriers: Non-healing ankle fracture and non-weight bearing per MD Intervention: SAW services Accommodation: Lightweight/portable scooter for mobility; ergonomic furniture/equipment, worked with facilities and agency regarding parking of scooter and handicap parking Outcome: SAW Costs: $4,

8 Success Story #2 Occupation: Child Support Specialist Condition: Hearing related condition and severe shoulder pain Barriers: Complete hearing loss and loss of balance. Unable to perform phone work, an essential job function. Intervention: Coordination of services with employee, employer ADA coordinator and appropriate vendors. Accommodation: Ergonomic chair, fully adjustable keyboard tray, document holder, facilitated transfer of CapTel phone to fulfill essential job function of phone work. Outcome: SAW Costs: $4, Success Story #3 Occupation: Eligibility Specialist Condition: Carpal tunnel syndrome & bilateral shoulder pain Barriers: Pain and swelling of fingers and wrist of right hand with typing and performing other essential job tasks. Intervention: SAW services Accommodation: Ergonomic keyboard & gel palm rest, ergonomic chair, adjustable keyboard tray, articulating monitor arm and document holder. Outcome: SAW Costs: $3, Questions/Contact Us Pam Palmquist, CGBA Benefit Supervisor, MOSERS or Debbi Cross, CPDM, CEES Workplace Possibilities Coordinator or 24 8

How To Help Your Health Care Costs Through Health Care Management

How To Help Your Health Care Costs Through Health Care Management Workplace Possibilities SM Short-Term Disability: The Window Of Opportunity Workplace Possibilities, by The Standard July 2013 Standard Insurance Company Introduction This fifth installment in Standard