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	<title>California Business Property Insurance Brief</title>
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	<description>Property Insurance Coverage News</description>
	<lastBuildDate>Tue, 21 Feb 2012 19:34:32 +0000</lastBuildDate>
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		<title>Dr. Paul Volkman: The People&#8217;s Pusher</title>
		<link>http://www.cabusinessproperty.com/84/dr-paul-volkman-the-peoples-pusher/</link>
		<comments>http://www.cabusinessproperty.com/84/dr-paul-volkman-the-peoples-pusher/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 19:34:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

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		<description><![CDATA[Dr. Paul Volkman specialized in mitigation of pain. Did he ever. From 2003 to 2005 he was the most prolific prescriber of Oxycodone and related opioids in the entire country. He was recently sentenced to four life terms in prison for the deaths of four patients. There were eight additional overdose deaths associated with his [...]]]></description>
			<content:encoded><![CDATA[<p>Dr. Paul Volkman specialized in mitigation of pain. Did he ever. From 2003 to 2005 he was the most prolific prescriber of Oxycodone and related opioids <em>in the entire country</em>. He was recently <a href="http://www.huffingtonpost.com/2012/02/14/paul-volkman-chicago-doct_n_1276865.html">sentenced to four life terms in prison</a> for the deaths of four patients. There were eight additional overdose deaths associated with his practice, but these lacked enough evidence to prosecute. Patients came from hundreds of miles away and were charged $125 to $200 in cash for visits to see a doctor. Volkman&#8217;s distribution system had a devastating effect on southern Ohio, where he based his practice.</p>
<p>Prosecutors said Volkman rarely, if ever, counseled patients on alternate treatments for pain, such as physical therapy, surgery or addiction counseling. Volkman denied the allegations and said he always acted in good faith. A month before his conviction, he dismissed his attorneys and defended himself. His skills as an attorney appear to be totally in sync with his skills as a physician. </p>
<p><strong>Street Creds and Credentials</strong><br />
Volkman went to work at the Tri-State Health Care and Pain Management clinic in southern Ohio in 2003. The clinic was operated by Denise Huffman and her daughter Alice Huffman Ball, who have  pled guilty to one count of operating Tri-State as a business whose primary goal was the illegal distribution of prescription drugs. Denise has been sentenced to 12 plus years in prison; her daughter is serving five years. Both testified against Volkman, as did a horde of witnesses including pharmacists, police investigators, clinic employees and patients who received pills from Volkman.</p>
<p>What is striking about this case is the harsh sentencing. Four life terms is the kind of sentence you rarely see applied to white collar criminals; Volkman was sentenced as if he were a run-of-the-mill (pun intended) drug kingpin, which, minor differences aside, he was. </p>
<p>Through the wonders of the internet, we learn that Volkman had <a href="http://www.healthgrades.com/physician/dr-paul-volkman-xqr2f">a three star rating</a> from his patients and <a href="http://www.workerscompinsider.com/cgi-bin/mtos/mt.cgi">earned his medical degree</a> at the University of Chicago Pritzger School of Medicine in 1974, followed by a residency at Duke Medical Center. After that, well, something went terribly wrong. Nonetheless, with his impressive creds, he&#8217;s sure to be a very popular man for the rest of his highly circumscribed life. </p>
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		<title>North Carolina Workers Compensation Medical Fee Disputes</title>
		<link>http://www.cabusinessproperty.com/85/north-carolina-workers-compensation-medical-fee-disputes/</link>
		<comments>http://www.cabusinessproperty.com/85/north-carolina-workers-compensation-medical-fee-disputes/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 17:51:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

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		<description><![CDATA[The procedure for Workers Comp medical provider fee disputes has changed. &#160;You can find the link here or the new rules are published below. &#160; You will need &#160;PDF reader to view the document. &#160;You can also print this blog post. &#160;I tried to make the new rules as readable as possible. &#160;Some web browsers [...]]]></description>
			<content:encoded><![CDATA[<div dir="ltr"><span>The procedure for Workers Comp medical provider fee disputes has changed. &nbsp;You can find the link <a href="http://www.ic.nc.gov/ncic/pages/MedProvDRP.pdf" target="_blank">here </a>or the new rules are published below. &nbsp; You will need &nbsp;PDF reader to view the document. &nbsp;You can also print this blog post. &nbsp;I tried to make the new rules as readable as possible. &nbsp;Some web browsers may change or scramble it.</span><br /><span><br /></span><br /><span>My main concern is the 20 day deadline for the 26I response by a carrier, TPA, or employer. &nbsp;Is the 20 days from receipt or when the dispute was mailed by the provider? </span><br /><span><br /></span><br /><span><br /></span><br /><span>Procedure for Medical Provider Fee Dispute Resolution&nbsp;Pursuant to N.C. GEN. STAT. §97-26(i)</span><br /><span><br /></span><br /><span>1.<b> <u>Direct Inquiry</u></b></span><br /><span>A Medical Provider may submit an Industrial Commission Form 26I: Medical Provider&nbsp;Dispute Resolution Questionnaire directly to the employer or carrier believed to be liable for&nbsp;unpaid medical fees.</span><br /><span><br /></span><br /><span>&nbsp; &nbsp; a. The Medical Provider will be responsible for obtaining directly from the&nbsp;</span><span>injured employee information regarding the identity of the employer liable&nbsp;</span><span>for the injury.</span><br /><span><br /></span><br /><span>&nbsp; &nbsp; b. The Medical Provider may obtain contact information for an employer, or&nbsp;</span><span>for the workers’ compensation insurance carrier for a particular employer&nbsp;</span><span>on a particular injury date, by means of the Workers’ Compensation Name&nbsp;</span><span>Search System on the Industrial Commission website.</span><br /><span><br /></span><br /><span>&nbsp; &nbsp; c. If the Medical Provider is unable to obtain the necessary employer or&nbsp;</span><span>carrier contact information through the Workers’ Compensation Name&nbsp;</span><span>Search System, the Medical Provider may contact the Medical Fees&nbsp;</span><span>Section of the Industrial Commission for assistance in obtaining that&nbsp;</span><span>carrier contact information.</span><br /><span>&nbsp; &nbsp; &nbsp; &nbsp;i. The assistance provided by the Medical Fees Section will be</span><br /><span>limited to providing employer contact information and to assisting</span><br /><span>the Medical Provider in identifying the workers’ compensation</span><br /><span>insurance carrier associated with a particular employer on a&nbsp;</span><span>particular date.</span><br /><span>&nbsp; &nbsp; &nbsp; &nbsp;ii. The Medical Fees Section will not share with the Medical Provider</span><br /><span>any information related to any specific claim before the Industrial</span><br /><span>Commission.</span><br /><span>&nbsp; &nbsp; &nbsp; &nbsp;iii. The Medical Fees Section will not directly facilitate or otherwise</span><br /><span>be involved in any communication between the Medical Provider&nbsp;</span><span>and any employer or workers’ compensation insurance carrier at&nbsp;</span><span>this stage in the process.</span><br /><span><br /></span><br /><span>2. <u><b>Informal Dispute Resolution Process</b></u></span><br /><span>If the employer or carrier does not respond to the <b>Form 26I Questionnaire within 20 days, or&nbsp;responds by denying liability for the unpaid medical fees</b>, the Medical Provider may submit a&nbsp;written request for assistance to the Medical Fees Section of the Industrial Commission.&nbsp;The written request for assistance must be accompanied by a copy of the Form 26I Questionnaire&nbsp;submitted by the Medical Provider, including all accompanying materials, and any response&nbsp;received by the Medical Provider from the employer or carrier contacted. Upon receipt of the&nbsp;written request for assistance meeting the above requirements, the Medical Fees Section will&nbsp;initiate an informal dispute resolution process between the Medical Provider and the employer or&nbsp;carrier identified on the Form 26I Questionnaire.</span><br /><span><br /></span><br /><span>3. <u><b>Limited Intervention</b></u></span><br /><span>If informal dispute resolution does not resolve the dispute to the Medical Provider’s satisfaction,&nbsp;the Medical Provider may request limited intervention in an existing claim before the Industrial&nbsp;Commission by filing a formal Motion to Intervene with the Executive Secretary’s Office. The&nbsp;motion will be granted only if (a) a claim related to the medical fees in dispute has been filed&nbsp;before the Industrial Commission, and (b) liability for the underlying injury in the claim has not&nbsp;been denied or has been adjudicated in the employee’s favor.</span><br /><span><br /></span><br /><span>The Motion to Intervene must include the following:</span><br /><span>a. IC file number, if known.</span><br /><span>b. Employee’s name, address, and SSN (last four digits only).</span><br /><span>c. Date of injury and a brief description of the workplace injury, including the&nbsp;</span><span>body parts known to be affected.</span><br /><span>d. Itemized list of the medical fees in dispute, including CPT codes relating&nbsp;</span><span>specific charges to the Workers’ Compensation Medical Fee Schedule, and&nbsp;</span><span>explanations directly relating each charge to the employee’s workplace injury.</span><br /><span>e. Copy of the Form 26I Medical Provider Dispute Resolution Questionnaire&nbsp;</span><span>submitted by the Medical Provider, including all accompanying materials, and&nbsp;</span><span>any response received back by the Medical Provider from the employer or&nbsp;</span><span>carrier contacted.</span><br /><span>f. Copy of the written request for assistance submitted to the Medical Fees&nbsp;</span><span>Section.</span><br /><span>g. Copy of the written summary by the Medical Fees Section of the informal&nbsp;</span><span>resolution process and outcome.</span><br /><span>h. Sworn affidavit by the Medical Provider that:</span><br /><span>&nbsp; &nbsp;i. The Medical Provider has treated the employee,</span><br /><span>&nbsp; &nbsp;ii. The medical fees itemized by the Medical Provider are current and unpaid,&nbsp;</span><span>and</span><br /><span>&nbsp; &nbsp;iii. The Medical Provider reasonably believes that the employer or carrier named&nbsp;on the Form 26I Questionnaire is obligated to pay the fees under the Workers’&nbsp;Compensation Act.</span><br /><span>i. Certification of service upon both the employee and the employer or carrier&nbsp;</span><span>named on the Form 26I Questionnaire.</span><br /><span><br /></span><br /><span>4. <u><b>Request for Review by the Full Commission of a Denial by the Executive Secretary</b></u></span><br /><span>If the Medical Provider’s request to intervene is denied by the Executive Secretary, the Medical&nbsp;Provider may request the Full Commission’s administrative review of the Executive Secretary’s&nbsp;Order, by filing such written request with the Dockets Section within 10 days of receipt of the&nbsp;Executive Secretary’s Order denying the intervention.&nbsp;The request for review by the Full Commission must be served on all parties and must be&nbsp;accompanied by a statement of facts necessary to an understanding of the issue; a statement of&nbsp;</span><span>the relief sought; copies of the motion to intervene with all attachments as required by Section 3&nbsp;of this procedure which were submitted for consideration by the Executive Secretary; and a&nbsp;copy of the Order denying the motion to intervene.</span><br /><span>Within 10 days after service of the request for review by the Full Commission, any other party to&nbsp;the case may file a response with supporting affidavits or related portions of the file that were not&nbsp;submitted with the request for review by the Full Commission.</span><br /><span><br /></span><br /><span>A determination will be made by the Full Commission on the basis of the request for review, any&nbsp;response, and any supporting documents. No briefs or oral argument will be received or allowed&nbsp;</span><span>unless ordered by the Industrial Commission upon its own motion.</span><br /><span><br /></span><br /><span>5. <u><b>Discovery and File Requests</b></u></span><br /><span>If the Medical Provider is allowed to intervene, the Medical Provider shall have limited access&nbsp;only to those elements of the claim file related to the medical fee dispute, in accordance with the&nbsp;non-public nature of the claim file under N.C. GEN. STAT. § 97-92(b). Requests for information&nbsp;from the Industrial Commission file related to the medical fee dispute must be in writing and&nbsp;</span><span>directed to the Claims Section of the Industrial Commission and accompanied by the Executive&nbsp;Secretary’s Order allowing the Medical Provider to intervene. Discovery, as to the matters&nbsp;related to the medical fee dispute, may be conducted by the Medical Provider once the Medical&nbsp;Provider has been allowed to intervene.</span><br /><span><br /></span><br /><span>6.<u> <b>Request for Hearing</b></u></span><br /><span>An intervening Medical Provider may request a hearing before the Industrial Commission on the&nbsp;fee dispute by filing an Industrial Commission Form 33I: Intervenor’s Request that Claim be&nbsp;Assigned for Hearing along with a $200.00 filing fee. The Form 33I will be handled in the&nbsp;same manner as a Form 33 Request for Hearing, including referral to mediation through the&nbsp;Mediation Section.</span><br /><span><br /></span><br /><span>Upon resolution of the fee dispute, whether by agreement of the parties or decision of the&nbsp;Industrial Commission, the Medical Provider will be dismissed from the claim. Thereafter, the&nbsp;only standing the Medical Provider will retain in the claim following an Order</span></div>
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		<title>Fatigue Risk Same As Alcohol Risk &#8211; Shocker</title>
		<link>http://www.cabusinessproperty.com/83/fatigue-risk-same-as-alcohol-risk-shocker/</link>
		<comments>http://www.cabusinessproperty.com/83/fatigue-risk-same-as-alcohol-risk-shocker/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 16:50:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

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		<description><![CDATA[There were many questions, comments, and web traffic on this blog from the post last week on Fatigue Risk Management.  I thought research on Google would aid me in finding some other material.

I came across an interesting study on the effects of fatigue as compared to alcohol consumption.  I thought there would only [...]]]></description>
			<content:encoded><![CDATA[<p>There were many questions, comments, and web traffic on this blog from the post last week on Fatigue <a href="http://blogs.cutcompcosts.com/2012/02/fatigue-risk-management-cutting-edge-or.html">Risk Management</a>.  I thought research on Google would aid me in finding some other material.
<div></div>
<div>I came across an interesting study on the effects of fatigue as compared to alcohol consumption.  I thought there would only be an inference that fatigue and alcohol consumption would be related from a Risk Management viewpoint.  I was shocked to find a study that was actually able to equate a period of time with a level of alcohol consumption.  See the <a href="http://www.fatiguescience.com/assets/pdf/Alcohol-Fatigue.pdf">study here</a>.    </div>
<div></div>
<div>This should be an eye-opener for Risk Managers from all types of industry and governmental organizations.  The study was performed in Australia in 1997.  The website lists different conclusions on relating fatigue vs. alcohol risks.  <b>The main conclusion was there is no difference in motor skills between someone with a Blood Alcohol Content (BAC) of .1% and sleep deprivation for 24 hours.  </b></div>
<div><b><br /></b></div>
<div>I am assuming they did not use .08% as a marker as the overall BAC for a DUI was .1% at the time.  There is a chart on the page that would <b>show a .08% alcohol equivalent at 20 &#8211; 21 hours </b>without sleep.  As mentioned my last post on this subject, there can be a cumulative effect for sleep deprivation where even shorter amounts of deprivation in succession would add up to result in the same effect.  The last post also pointed out that there are other things that enhance fatigue as an additive effect to lack of sleep. </div>
<div></div>
<div>I think this area will have a revival of sorts as Risk Managers look to reduce Workers Comp accidents in the future.  <i> I doubt any Safety Departments or Risk Managers would let someone work on a job with a .08% alcohol level = 20 hours without sleep. </i></div>
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		<title>Health Wonks, drug epidemic, ACA mandate, exploding hog farms &amp; more</title>
		<link>http://www.cabusinessproperty.com/82/health-wonks-drug-epidemic-aca-mandate-exploding-hog-farms-more/</link>
		<comments>http://www.cabusinessproperty.com/82/health-wonks-drug-epidemic-aca-mandate-exploding-hog-farms-more/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 17:33:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

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		<description><![CDATA[Health Wonk Review &#8211; Jason Shafrin has posted the Health Wonk Review: More than Birth Control Pills edition at Healthcare Economist. And there is indeed much more than birth control in this issue: politics, health care reform, the Affordable Care Act, and a grab bag of other timely topics. Check it out! 
CDC calls prescription [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Health Wonk Review</strong> &#8211; Jason Shafrin has posted the <a href="http://healthcare-economist.com/2012/02/16/health-wonk-review-more-than-birth-control-pills/">Health Wonk Review: More than Birth Control Pills</a> edition at <em>Healthcare Economist</em>. And there is indeed much more than birth control in this issue: politics, health care reform, the Affordable Care Act, and a grab bag of other timely topics. Check it out! </p>
<p><strong>CDC calls prescription drug problem &#8220;epidemic&#8221;</strong> &#8211; The <a href="http://www.riskandinsurance.com/story.jsp?storyId=533344978">CDC weighs in on the prescription drug abuse problem</a>, calling it &#8220;epidemic&#8221; and &#8220;the fastest growing drug problem in the United States.&#8221; <em>Risk &amp; Insurance</em> offers a concise summary. And on the same theme is a story about how <a href="http://www.riskandinsurance.com/story.jsp?storyId=533345199">New Jersey has implemented a Prescription Drug Monitoring Program</a>. <i>&#8220;In unveiling the program last month, state officials related that one patient obtained more than 2,500 doses of oxycodone and methadone in a four-week period. The patient presented what are now believed to be forged prescriptions to three pharmacies on 14 separate occasions, spread out his visits among the pharmacies, and paid sometimes with cash and sometimes by insurance.&#8221;</i></p>
<p><strong>Affordable Care Act: What if&#8230;</strong> &#8211; What if the Supreme Court overturns the mandate? At <em>Managed Care Matters</em>, Joe Paduda looks at <a href="http://www.joepaduda.com/archives/002251.html">what the repeal of the mandate would mean for workers comp</a>. </p>
<p><strong>Marijuana &amp; impairment</strong> Roberto Ceniceros recently discussed the issue of <a href="http://www.businessinsurance.com/article/20120206/BLOGS02/120209942?tags=|92">marijuana use and impairment</a>. He cites a recent Louisiana appeals-court ruling that upheld benefits for an injured worker who showed positive in a post-injury test for consumption of marijuana and a prescription drug.</p>
<p><strong>Emerging Risks: Exploding Hog Farms</strong> &#8211; Hog farmers take note: the <em>Minnesota Daily</em> covers <a href="http://www.mndaily.com/2012/02/07/exploding-hog-barns-beckon-u-researchers">reports of a mysterious foam that has caused Midwest swine barns to unexpectedly explode</a>. The foam can build up to heights of four feet on manure pits. <i>&#8220;The foam traps gases like methane and  when a spark ignites it  causes an explosion. About a half dozen barns in the Midwest have exploded since the foam was discovered in 2009. / In mid-September 2011, a barn in Iowa was added to the growing number of barns taken down by the foam. In the explosion, 1,500 pigs were lost, and one worker was injured.&#8221;</i></p>
<p><strong>Contractors in conflict zones</strong> &#8211; At <em>Risk Management Monitor</em>, Jared Wade discusses <a href="http://www.riskmanagementmonitor.com/contractor-deaths-in-afghanistan-illustrate-the-grave-risks-for-those-operating-in-conflict-zones/">contractor deaths in Afghanistan</a> as reported in a recent <em>New York Times</em> article. He notes that, &#8220;In 2011, for the first time, there were more civilian contractors working for U.S. companies that died in Afghanistan than there were U.S. soldiers.&#8221; He follows up with excerpts and links to a prior <em>Risk Management</em> story on working in the world&#8217;s most dangerous locations </p>
<p><strong>Economy &amp; Insurance</strong> &#8211; Global financial woes will not derail the economy, according to Robert Hartwig, President and Economist at the Insurance Information Institute, who has been a reliable forecaster and source of information on both the overall economy and the impact on the insurance industry. He sees opportunities for insurers beyond waiting for rate increases. Read more in Chad Hemenway&#8217;s story at <em>Propertycasualty360</em>: <a href="http://www.propertycasualty360.com/2012/02/13/hartwig-us-insurers-should-look-at-new-trajectory?ref=hp">Hartwig: U.S. Insurers Should Look at &#8216;New Trajectory of Growth&#8217;</a> </p>
<p><strong>Aging &amp; Construction Work</strong> &#8211; The Center for Construction Research and Training analyzed 100,000 workers comp construction industry claims for the<br />
state of Colorado to understand the relationship between the claimant<br />
age and costs by the causes and natures of injuries and illnesses. Consistent with other aging studies, the report says &#8220;Older construction workers filed a small percentage of the total workers&#8217; compensation claims; however, when they did file a claim the associated costs were greater.&#8221; Review the key findings: <a href="http://www.cpwr.com/Key%20Findings/RosecranceAgingWorkers2012%20KEY%20FINDINGS.pdf">The Role of Age on the Cause, Type, Nature and Cost of Construction Injuries</a> (PDF)</p>
<p><strong>News briefs</strong> </p>
<ul type="square">
<li><a href="http://drwes.blogspot.com/2012/01/some-downsides-of-social-media-for.html">Some Downsides of Social Media for Doctors</a></li>
<li><a href="http://daviddepaolo.blogspot.com/2012/02/would-you-get-married-to-avoid.html">Would You Get Married to Avoid a Deposition? A Case Study&#8230;</li>
<li><a href="http://www.lexisnexis.com/community/workerscompensationlaw/blogs/workerscompensationlawblog/archive/2012/02/12/workplace-violence-fatal-shooting-at-dental-office-was-not-sufficiently-connected-to-employment.aspx">Workplace Violence: Fatal Shooting at Dental Office Was Not Sufficiently Connected to Employment</li>
<li><a href="http://www.cdc.gov/features/heartmonth/">Be one in a million this American Heart Month</a></li>
<li><a href="http://www.nytimes.com/2012/02/13/nyregion/nyc-police-seek-medical-data-for-links-to-9-11-work.html?_r=1">Police Union Seeks Data for Cancer Links to 9/11</a></li>
<li><a href="http://well.blogs.nytimes.com/2012/02/15/how-1-minute-intervals-can-improve-our-health/">How 1-Minute Intervals Can Improve Your Health</a></li>
<li><a href="http://www.hrwebcafe.com/2012/02/how_healthy_are_your_employees_1.html">How healthy are your employees? Track via your state&#8217;s Well-Being Index</a></li>
<li><a href="http://safetydailyadvisor.blr.com/archive/2012/02/16/safety_management_off_site_employees_part_2.aspx">Safety Precautions for Solo Workers</a></li>
</ul>



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		<title>Fatigue Risk Management &#8211; Cutting Edge (Or Is It?)</title>
		<link>http://www.cabusinessproperty.com/81/fatigue-risk-management-cutting-edge-or-is-it/</link>
		<comments>http://www.cabusinessproperty.com/81/fatigue-risk-management-cutting-edge-or-is-it/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 16:19:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

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		<description><![CDATA[
One of the best studies I have seen in quite some time on workplace Risk Management was a recently published analysis on Fatigue Risk Management (FRM) &#8211; see this article.    It is from the American College of Occupational and Environmental Medicine. 

The subject is not cutting edge.   Every Risk Manager [...]]]></description>
			<content:encoded><![CDATA[<div dir="ltr">
<div>One of the best studies I have seen in quite some time on workplace Risk Management was a recently published analysis on Fatigue Risk Management (FRM) &#8211; <a href="http://www.acoem.org/uploadedFiles/Public_Affairs/Policies_And_Position_Statements/Fatigue%20Risk%20Management%20in%20the%20Workplace.pdf">see this article</a>.    It is from the <a href="http://www.acoem.org/">American College of Occupational and Environmental Medicine</a>. </p>
</div>
<div>The subject is not cutting edge.   Every Risk Manager know that as fatigue rises, so does the accident rate.   The key points of the study are:</p>
</div>
<div></div>
<div>• Fatigue is related to duration of sleep and timing (circadian rhythm) of sleep.<br />• Inadequate sleep is correlated with a variety of adverse medical outcomes.<br />• Various shift work schedules can affect both the duration and the timing of sleep.<br />• Inadequate duration of sleep is correlated with injury rate.</p>
</div>
<div></div>
<div>The study goes on to point out the differences between <i>fatigue and sleepiness</i>. When the term fatigue is used, many think of it as the same as sleepiness, but these are actually two different (although related) states. Sleepiness is the tendency to fall asleep; fatigue is the body’s response to sleep loss or to prolonged physical or mental exertion.</div>
<div>Fatigue may be reduced by sedentary&nbsp;activity or rest without sleeping,whereas subjective&nbsp;sleepiness and the propensity for sleep&nbsp;are often exacerbated by sedentary activity or&nbsp;rest.1 Sleep propensity can be accompanied&nbsp;by decreased alertness which then leads to&nbsp;decreased attention to detail, impaired judgment,<br />and slowed response time. This can&nbsp;affect productivity, safety, and overall health</p>
<p>Table 1 lists several factors that can lead to fatigue&nbsp;and increased sleep propensity and that&nbsp;affect the resultant degree of impairment.&nbsp;Fatigue and decreased alertness resulting&nbsp;from insufficient or poor quality sleep can&nbsp;have several safety-related consequences, including&nbsp;slowed reaction time, reduced vigilance,&nbsp;reduced decision-making ability, poor&nbsp;judgment, distraction during complex tasks,&nbsp;and loss of awareness in critical situations.</p>
<p>Sleep deprivation has long been recognized&nbsp;as an unmet public health challenge. Many&nbsp;individuals believe they adapt to chronic&nbsp;sleep loss or that recovery requires only a single&nbsp;extended sleep episode,<b> but studies have&nbsp;shown that this is not the case. &nbsp;</b></p>
<p>Table 5 near the end of the study has a great checklist for fatigue. &nbsp;I think we will all see fatigue become a very hot risk management and claims item over the next few years. </p>
</div>
</div>
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		<title>Virginia Has High Medical Costs Per Claim</title>
		<link>http://www.cabusinessproperty.com/80/virginia-has-high-medical-costs-per-claim/</link>
		<comments>http://www.cabusinessproperty.com/80/virginia-has-high-medical-costs-per-claim/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 07:42:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

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		<description><![CDATA[A recent study by WCRI indicates that the state of Virginia has one of the higher medical costs per Workers Compensation lost time claim.  WCRI&#8217;s recent study included 16 states.  Virginia&#8217;s average medical cost per claim was 22% higher than the median state.

The reason for the high medical costs may be attributed to [...]]]></description>
			<content:encoded><![CDATA[<p>A recent study by <a href="http://www.wcrinet.org/">WCRI</a> indicates that the state of Virginia has one of the higher medical costs per Workers Compensation lost time claim.  WCRI&#8217;s recent study included 16 states.  Virginia&#8217;s average medical cost per claim was 22% higher than the median state.
<div></div>
<div>The reason for the high medical costs may be attributed to the fact that Virginia does not have a fee schedule.  I am not inferring that any state without a fee schedule will have a high level of medical costs.   In October 2009, I <a href="http://blogs.cutcompcosts.com/2009/10/states-without-workers-compensation.html">compared other states </a>that did not have fee schedule and found them to be much more expensive than states with fee schedules.   Tennessee reduced its medical costs significantly by adding in a <a href="http://blogs.cutcompcosts.com/2009/10/workers-comp-health-costs-were-recently.html">Workers Comp medical fee schedule</a>.  </div>
<div></div>
<div>I thought I would research Virginia&#8217;s medical costs even further.  According to the <a href="http://www.ncci.com">NCCI</a> in April 2011, Virginia&#8217;s  medical costs were 23% higher than any of the states in the same region.  The comparison by NCCI included Kentucky, Maryland, DC,  and North Carolina.  </div>
<div></div>
<div>I would have to agree with the WCRI&#8217;s overall conclusion -over time trends in medical prices are lower in states with fee schedules.  I hope that Virginia will in the future follow Tennessee&#8217;s lead and enact a fee schedule.   The results will be positive. </div>
<div></div>
<div>There is an old and unfounded rumor that any state that enacts a fee schedule will cause a reduction in the availability of medical care for Workers Compensation claims.  I have never seen this occur in any of  my research. </div>
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		<title>A Window Into Fraud</title>
		<link>http://www.cabusinessproperty.com/79/a-window-into-fraud/</link>
		<comments>http://www.cabusinessproperty.com/79/a-window-into-fraud/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 16:41:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

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		<description><![CDATA[A couple of years ago we blogged the performance incentive program at Smurfit-Stone Container Corporation in California. The performance numbers were stellar, but not necessarily because the work was performed safely. Instead, the company conspired with local medical providers to secure limited treatment outside of the workers comp system. Two supervisors pled no contest in [...]]]></description>
			<content:encoded><![CDATA[<p>A couple of years ago we <a href="http://www.workerscompinsider.com/2010/03/performance-dis.html">blogged the performance incentive program</a> at Smurfit-Stone Container Corporation in California. The performance numbers were stellar, but not necessarily because the work was performed safely. Instead, the company conspired with local medical providers to secure limited treatment <em>outside </em>of the workers comp system. Two supervisors pled no contest in conspiring to deny comp benefits to injured workers.</p>
<p>With the recent <a href="http://www.montereyherald.com/crime/ci_19914977">conviction of chiropractor Robert Schreiner,</a> we see into the black box of the conspiracy. Workers complaining of work-related problems were referred to doctors like Schreiner &#8211; giving rise, alas, to a new and ominous definition of <em>provider network</em>. In one instance a worker complained about a neck and shoulder injury. Schreiner denied that the problem was work related, saying that it was caused by carrying a back pack as a child. He provided a handful of treatments and then encouraged the worker to file the claim under his health plan to continue treatments. When the worker persisted and filed a comp claim, he was fired. </p>
<p>Schreiner is headed to jail to serve a mostly symbolic sentence of 30 days, to be followed by three years of probation. Perhaps he can provide some adjustments to his fellow inmates. Confined spaces sure can mess up the spine.</p>
<p><strong>Faking Safety</strong><br />
<a href="http://investor.smurfit.com/phoenix.zhtml?c=75794&amp;p=irol-newsArticle&amp;ID=1518827&amp;highlight=">Smurfit-Stone was bought out</a> last year by RockTenn. You can still read about the company in Wikipedia. Here is the (unattributed) description of the company&#8217;s safety program:</p>
<blockquote><p>Smurfit-Stone has been an industry leader in safety performance since 2001 [NOTE: the conspiracy to under-report claims began in 1999!]. In 2007, Smurfit-Stone&#8217;s U.S. operations had an OSHA recordable case rate of 1.05, the best in company and industry history. This represents an 84 percent improvement in the company&#8217;s recordable case rate since the implementation of Smurfit-Stone&#8217;s SAFE process in 1995.The SAFE process, which stands for Smurfit-Stone Accident-Free Environment, promotes five core beliefs:<br />
 1.All injuries are preventable<br />
 2.Safety is everyone&#8217;s responsibility<br />
 3.Working safely is a condition of employment<br />
 4.Training employees to work safely is essential<br />
 5.Safety is good business</p></blockquote>
<p>As litigation has proven, Smurfit-Stone&#8217;s low OSHA case rate has less to do with safety than with a conspiracy to under-report claims. Perhaps the SAFE program stood for something else: Screw All Forsaken Employees. Aggressive safety goals are a good business practice; circumventing the workers comp system is not just a bad practice, it&#8217;s illegal. Just ask Robert Schreiber.</p>



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		<title>Opioid Abuse In Workers Compensation</title>
		<link>http://www.cabusinessproperty.com/78/opioid-abuse-in-workers-compensation/</link>
		<comments>http://www.cabusinessproperty.com/78/opioid-abuse-in-workers-compensation/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 15:00:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

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		<description><![CDATA[This subject has been covered very well in Mark Wall&#8217;s Group on LinkedIn &#8211; Work Comp Analysis Group.  If you are a member of LinkedIn, I highly recommend joining the group.  I cannot link directly to the group as it is password protected. 

 
Opioid abuse in Workers Compensation is a growing problem. [...]]]></description>
			<content:encoded><![CDATA[<div>This subject has been covered very well in Mark Wall&#8217;s Group on LinkedIn &#8211; Work Comp Analysis Group.  If you are a member of LinkedIn, I highly recommend joining the group.  I cannot link directly to the group as it is password protected. </div>
<div></div>
<div> </div>
<div><a href="http://en.wikipedia.org/wiki/Opioid">Opioid</a> abuse in Workers Compensation is a growing problem.  It is more of a societal problem than just Workers Comp.   Last night, I was watching a program on NatGeo called Pill Nation.  It was mortifying as I was shocked at how out of control the pharmaceutical management system has become over the last few years.  </div>
<div></div>
<div> </div>
<div>There is a short clip of one of the Oxycontin addicts. Brace yourself if you want to watch it <a href="http://video.nationalgeographic.com/video/national-geographic-channel/shows/drugs-inc/ngc-oxy-addiction/">here</a>.  The clip is a little unsettling.  The show will be on a few times until Sunday.  It is worth watching.  I do not usually recommend watching any TV shows.  This is an exception.  </div>
<div></div>
<div> </div>
<div>The bottom line of what I saw was that Oxycontin abuse is running amok in Florida as there is no system in place that tracks the prescribing of narcotics.   Until legislation is put in place that will stem the abuse, Florida will be the source for illegal Oxycontin for years to come.   </div>
<div></div>
<div> </div>
<div>The one narcotic that seems to be the most abused on the claims that I have seen is Vicodin.  I posted in Mark&#8217;s group a few weeks ago on Vicodin abuse level.  I know of a pharmacist that works the night shift in the northeastern US.   The Vicodin users line up a few minutes before midnight so that when the abuser&#8217;s RX rolls over into another 30 days, they are at the counter at that moment.  There have been two robberies at the store where she works &#8211; both for Oxycontin &#8211; but<b> no cash was taken</b>.   </div>
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		<title>&quot;An unprotected trench is an open grave&quot;</title>
		<link>http://www.cabusinessproperty.com/77/an-unprotected-trench-is-an-open-grave/</link>
		<comments>http://www.cabusinessproperty.com/77/an-unprotected-trench-is-an-open-grave/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 13:22:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

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		<description><![CDATA[A little more than a week ago, family members and coworkers watched helplessly as 39-year old Raul Zapata was buried alive when a wall of dirt fell on him at a residential construction worksite in Milpitas, California. Zapata was working in a 12-foot deep ditch, the foundation of a 5,800 square foot home in a [...]]]></description>
			<content:encoded><![CDATA[<p>A little more than a week ago, family members and coworkers watched helplessly as 39-year old <a href="http://abclocal.go.com/kgo/story?section=news/local/south_bay&amp;id=8526092">Raul Zapata was buried alive</a> when a wall of dirt fell on him at a residential construction worksite in Milpitas, California. Zapata was working in a 12-foot deep ditch, the foundation of a 5,800 square foot home in a gated community. The cave in was extensive enough that it took two days to rescue his body. Zapata and his coworkers should not have been working at all that day because three days prior, the city had issued a stop work order to the construction company, U.S. Sino Investments Inc. The order was issued after a city building inspector determined that the ditch was a safety hazard due to a lack of adequate shoring to prevent a cave-in.</p>
<p>To add insult to injury, the employer <a href="http://www.nbcbayarea.com/news/local/Contractors-License-Suspended-After-Carpenter-Killed-in-Milpitas-138688274.html">did not have workers&#8217; comp insurance</a>. They also <a href="http://www.mercurynews.com/bay-area-news/ci_19869077">lacked a permit</a>, a state requirement for any projects deeper than five feet. In a case of closing the barn door, the Contractors State License Board has since suspended U.S.-Sino Investment&#8217;s general building contractor license for this failure.  The flouting of the stop work order, the failure to get a trenching permit and the failure to carry workers comp coverage &#8211; these are not unsurprising accompaniments to trenching fatalities. Fatalities are often preceded by multiple citations or warnings and violators are often serial violators. It&#8217;s not uncommon for OSHA to issue <a href="http://ohsonline.com/articles/2012/01/27/169000-fine-issued-to-conn-contractor-for-cavein-hazards.aspx">mulitple &#8220;willful&#8221; citations related to trenching failures</a>. OSHA defines a willful violation as one &#8220;committed with an intentional disregard of, or plain indifference to&#8221; OSHA requirements, the highest level of citation, carrying fines of $5,000 to $70,000 per incident. </p>
<p>Two workers a month are buried alive in trench collapses. Most of these tragedies are avoidable simply by following OSHA standards, which mandate that all excavations 5 feet or deeper be protected against collapse. It&#8217;s a stroke of luck that no other workers were killed at the Milpitas site &#8211; it&#8217;s not uncommon for rescuers to rush to the aid of a victim and become entrapped themselves when an a secondary collapse occurs. <a href="http://enr.construction.com/features/bizlabor/archives/041122d-1.asp">Trench rescues require speed, precision, and expertise</a>. </p>
<p>To help curtail fatalities that OSHA describes as &#8220;entirely preventable,&#8221; in October they released new <a href="http://ehstoday.com/construction/news/OSHA-trenching-safety-guidance-1005/">trenching safety guidance</a>, including the following safety materials: </p>
<p>Fact sheet: <a href="http://www.osha.gov/OshDoc/data_Hurricane_Facts/trench_excavation_fs.pdf">Trenching and Excavation</a> (PDF)<br />
Quick Card: <a href="http://www.osha.gov/Publications/trench/trench_safety_tips_card.pdf">Working Safely in Trenches</a> (PDF)<br />
Poster: <a href="http://www.osha.gov/Publications/trench/3215_trench_poster_eng.pdf">An unprotected trench is an early grave</a> (PDF)</p>
<p><strong>Other resources</strong>:<br />
<a href="http://www.trenchsafety.org/">Trench safety</a> &#8211; an eleven-lesson tutorial based on the latest OSHA requirements for construction excavation safety.<br />
<a href="http://www.osha.gov/SLTC/confinedspaces/">OSHA &#8211; Confined Space</a><br />
<a href="http://www.air-spade.com/Library/Fire-Chief-Article.pdf">Constructing a better trench rescue</a> (PDF)</p>



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		<title>A Great Charity That Costs Nothing to Donate</title>
		<link>http://www.cabusinessproperty.com/76/a-great-charity-that-costs-nothing-to-donate/</link>
		<comments>http://www.cabusinessproperty.com/76/a-great-charity-that-costs-nothing-to-donate/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 17:53:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Insurance]]></category>

		<guid isPermaLink="false">http://www.cabusinessproperty.com/76/a-great-charity-that-costs-nothing-to-donate/</guid>
		<description><![CDATA[I rarely recommend companies or any type of charitable organization. &#160;This is an interesting organization that donates rice for each correct answer to a vocabulary quiz. &#160;Free Rice&#160;is a very legit organization. &#160;How often can you feed the hungry by answering questions? &#160;
Their website covers how they are funded -
The rice is paid for by [...]]]></description>
			<content:encoded><![CDATA[<div dir="ltr">I rarely recommend companies or any type of charitable organization. &nbsp;This is an interesting organization that donates rice for each correct answer to a vocabulary quiz. &nbsp;<a href="http://www.freerice.com/" target="_blank">Free Rice</a>&nbsp;is a very legit organization. &nbsp;How often can you feed the hungry by answering questions? &nbsp;</p>
<p>Their website covers how they are funded -</p>
<p><span>The rice is paid for by the sponsors whose names you see on the bottom of your screen when you enter a correct answer. These sponsors support both learning (free education for everyone) and reducing hunger (free rice for the hungry). We thank these sponsors for their generous participation at Freerice.</span><br /><span><br /></span>
<div><span><span>You can change the subject if you get bored with the vocabulary test. &nbsp; Even if you miss a question, you can still earn rice for the hungry. &nbsp; I hope that you give it a try. &nbsp;&nbsp;</span></span></div>
</div>
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